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Articles About Consumer Legal Matters

Six Reasons Why Hiring A Real Estate Attorney Is Very Important

It’s always a good idea to involve a real estate attorney when you’re buying or selling a home. If you’re not aware of that just yet, you’re going to know why soon enough.

One of the main reasons is to help with the meticulous closing process in general. Each one of those 50 pages you have to sign stands for a reason why you want legal representation. In all seriousness, you might not have to sign 50 pages, but that’s probably not too much of an exaggeration.
real-estate-lawyerWhile the closing process, in general, is reason enough to have a real estate attorney on your side, think about alternative financing solutions and what they call for. Have you ever owner financed a home? Maybe you’ve purchased one using owner financing. When you do this, you want a lawyer to make sure everything is drawn up appropriately, and you’re protected by the agreement. Both sides want this, both the seller and the buyer.

I purchased a vacation property using owner financing, and while I and the other party are close friends, we still did everything through an attorney. You’re not just protecting yourself when it comes to doing business with other people, but you want everything legally and in the books correctly. The papers that the lawyer drew up along with my title to the property is what I keep in a big blue folder proving that I own the condo once it’s paid off.

If you’ve been considering whether or not you need a real estate lawyer during the buying or selling process, ask yourself a different question. Ask yourself why you wouldn’t want to use one. The only thing I can think of is the associated costs. However, there are different ways to handle these costs, and once you know this, that becomes yet another reason why you should go ahead and hire one. The reasons for hiring an attorney are much greater than any reasons you can come up with not to hire one.

People even try to get away with not having an agent these days. Even for a vacation property that was owner financed, I had both an agent and a lawyer. I needed the agent to be my eyes and ears because I was in a different state. If you don’t have reason enough for a real estate attorney right now, there are plenty more reasons why you should hire one. Don’t even think about making such a major purchase decision without one.

Building Codes For Replacement Impact Windows Installation

impact-windows-installationBuilding codes are part of the law within any jurisdiction where they have been enacted. Contractors must adhere to the rules when constructing a new residential building or remodel an old house. Building codes vary significantly across different states depending on how the standards for public health, safety, and general welfare requirements are determined. Building permits must be obtained for window replacements on any existing openings. Even if you want to install replacement windows yourself, you must familiarize yourself with the building codes of your state.

Different states may change their building codes from time to time to meet new standards. When that happens, sometimes there could be cost implications that contractors and household owners must clearly understand. For instance, the State of Florida introduced a new building code back in the early 2000s. Impact resistant windows became a requirement, and that significantly increased the budgets most homeowners had to set aside even for remodeling projects. Windows that would usually cost around $3,000 went beyond $15,000. Now the Florida building code in place, the 5th edition of 2014, introduces new energy requirements as far as storm windows are concerned. Similar changes of building codes have taken place in many other states across the country.

Despite the challenges that homeowners and contractors face when building codes in their states change, it’s always important to get the most accurate interpretations of the rules related to the installations of hurricane windows and even doors. That makes it easier to do the installations much faster and safely.

Although many people still think building codes are meant to frustrate them, it’s important to appreciate the fact that they are designed to provide protection against various dangers. High impact windows can protect your property from damages that could be caused by storms and hurricanes. It is therefore in the best interest of every homeowner and contractor to understand building codes, not only to avoid being on the wrong side of the law but also to be safe and save more.

Warranty Laws – Know Your Additional Rights On Your Appliance Service

warranty-lawsIf you are like most consumers, you may not be aware of all the extra rights you have under federal or state warranty laws of your home appliances. If you realize that a residential refrigerator you purchased from a retailer is defective, even if that is after the expiry of the express warranty, you may still be entitled to get an appliance service, replacement, or full refund of your money. Such additional rights often apply within a reasonable period of using the product in your house, if the product is priced over $15 and if repeated attempts to repair it have not been successful.

For instance, if the written warranty of a household appliance like your refrigerator has already expired, but there is clearly a problem that makes it not to function properly, you will need to check out if your state laws protect you as far as implied warranties are concerned. Most state laws grant this automatic protection, and it is usually unwritten. Some companies may try to negate implied warranties using disclaimers or in some rare cases stating that they sell the product “as is” or “with all faults”. About 11 states prohibit selling products “as is”, not unless strict requirements are followed, including stating exactly what the product faults are.

Over the period any written warranty or contract for appliance technician service remains in effect, a company may be prohibited under certain state laws not to disclaim implied warranties. States laws that offer strong consumer protection may also allow you to claim incidental damages. These may occur, for instance, if your defective refrigerator ruins the food stored inside. There are many other types of protections you could consider taking advantage of to get service from appliance repairman, replacements or refunds. Of course, these protections cover a wide variety of products and not just appliances. Credit card warranties and chargebacks, lemon laws, recalls and even goodwill programs that some companies may offer, all could give you additional protection. Extended warranties or appliance repair contracts may not be useful because their costs are often higher than what you are likely to pay for the services of a refrigerator service technician if any faults occur at all.

How To File A Successful Claim For Auto Accident Injury 101

bus-72213_640If you just figured in a car accident, you should know that it’s not necessary for you to hire an attorney. You can successfully file a claim all by yourself and not have to share your claim with a lawyer. In this article, we are going to tell me exactly how to do just that. But first, let’s ask, do you have what it takes to successfully make a claim? Are you able to stand up for yourself while treating others with respect? If the answer is yes, read on.

It all starts with you assessing your case, that is, if it would be more practical for you to make a claim by yourself or if you will need to have a lawyer. You know you need a lawyer if your injuries were severe,  to be hospitalized, and your car was badly damaged in the accident. But if your injuries were minor and there was only a minor dent in your car, we are pretty sure that the driver on the other side of your case would be more than willing to give you money to cover the damages and a little extra for the inconvenience.

How do you make a claim?  You need to send a demand letter to the other party. Before sending that demand letter, however, make sure that you have the documents necessary to prove you have been on the receiving end of an accident. You also need to prove that the other person was at fault. That said, before writing even one word on that demand letter, make sure that you go to the hospital immediately after the accident and get a medical exam. If it’s your car that has damage, make sure to take pictures. Use any insurance that you have to pay for treatments and to fix your car. Attach a copy of your claim in your demand letter as a supporting document.

It will be to your advantage if you document your case as thoroughly as possible. Whatever you do, do not post like your accident on social media because if the other person gets wind of it, that you post could be used against you. Remember that insurance companies are run by people, and they will be willing to help you if you are professional and at the same time assertive about your case.

The Advantages & Disadvantages Of Elder Care Laws

There are many laws that are in place to protect seniors that are utilizing the many different areas of elder care such as:

  • In-home care supervision
  • Hospices
  • Nursing homes
  • Assisted Living Facilities
  • Convalescent Homes

The main purpose of these different laws, regulations, rules and licenses is to protect our senior citizens from being abused, which seems to be happening on an increased basis year after year. If any of the elder care facilities violate any of the laws, they could possibly lose their licensing. While we definitely need the laws in place, as there are many benefits to having them, there is also one disadvantage and that is, with all the different types of regulations, they are increasing the cost of elder care for senior citizens.

So what is happening all too often is that many consumers are emptying their savings and retirement accounts to try and afford the cost of health care that they need. Now, once they run out of funds, then they turn to their State or the Federal Government and apply for long term care and other health care benefits. When this happens, then the taxpayers now have to foot the bill. Between bureaucracy, regulations and runaway costs, the services that are available to the elderly are being affected drastically and since there is such a high demand for senior care and such a low supply to service this demand, the prices are increasing.

Other factors that are raising health care cost for seniors are:

  • Litigations
  • Fines
  • Lawsuits

Depending on the state you live in, some assisted living homes are now required to have a licensed nurse on staff 24 hours per day so that they stay compliant with the laws. With more and more baby boomers reaching retirement age, which is the biggest generation in United States history and a shortage of nurses, the problem is just seeming to get worst.  Go here to learn more about Assisted Living In Fort Lauderdale.