With universal health care bringing health insurance to the public’s attention in more ways than ever before, people are looking to medical discount card programs to help ease the burden of expensive health insurance costs.

A Medical Discount Card Program is similar to a dental or vision or prescription discount card, but promise discounts on a broader array of health care needs. A medical discount card program can be used for doctor visits, hospitalizations, laboratory testing, and other health care services.

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TASC Supports New Mandates on Debt Restructuring Firms

Lawyers for the FTC have succeeded in arguing for several new restrictions on debt settlement companies, culminating in a new policy making legislation coming from the government.

Starting on October 27, 2010, for-profit companies that sell debt relief services over the telephone may no longer charge a fee before they settle or reduce a customer’s credit card or other unsecured debt.

In addition, the lawyers have successfully argued for mandated enhanced disclosure requirements. These are modeled on current and proposed standards from the industry’s leading trade association, TASC (The Association of Settlement Companies). TASC already offered guidance and regulations for debt restructuring companies, something I talked about in my earlier post: What to Look for in a Trustworthy Debt Settlement Company. before FTC lawyers and legislators got involved.

TASC originally opposed one key part of the proposed legislation: the prohibition of debt settlement companies from accepting fees from a consumer for debt settlement services prior to the actual settlement of the consumer’s debt.

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Approximately 46 million people are uninsured in the United States and are greatly in need of affordable comprehensive medical care. The new health bill that was passed into legislation by the Obama Administration in March of 2010 is the most far-reaching health regulation since the creation of Medicare and Medicaid. Of the 46 million who are uninsured in the United States, five groups could benefit the most from affordable health insurance. By 2019, the new health bill aims to expand health insurance to these five groups of Americans and to nearly 32 million people.

Five Groups of Americans who could Benefit the Most from Affordable Comprehensive Medical Care

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Tips to Finding the Best Personal Injury Lawyer

If you or someone you know has been injuredthen you are going to want to hire the best personal injury lawyer to take on your case.Finding the right personal injury lawyer to handle your case can be a difficult task. That is why we’ve put together some tips to help you choose the best personal injury lawyer for your specific needs.

Selecting the Best Personal Injury Lawyer

  1. Contact the American Bar Association – Go online to the ABA website for a referral list of the best personal injury lawyers in your area.
  2. Get Recommendations – Talk to friends and family members if they know a good lawyer. A friend’s recommendation is very valuable because you know you can trust their opinion.
  3. Ask for Referrals­– While friends are great for a recommendation, your current lawyer can also refer you to colleagues and lawyers that specialize in personal injury cases.
  4. Search Online – Once you’ve got a list of personal injury lawyers, go online and look up any information about the lawyer or their law firm. Do they appear to have expertise in the field? Does their website have any information that is helpful to you?
  5. Interview Several Lawyers –After you’ve done your research and narrowed down your list, set up appointments with the remaining lawyers, and ask them about their experience, your specific case and what he or she recommends. Make sure you would get along with the lawyer before hiring them.

Finding the best personal injury lawyer to handle your case may take some time and research, but with sensitive cases like these, you will want to take your time and make sure you have the best fit for you.

Joshua Just, an attorney in New York City, has over 20 years of experience as a lawyer, which gives him unique insight to many legal matters.

If you are planning to file for Chapter 7, first consider the pros and cons of retaining a bankruptcy attorney and going through with it. Take a look at this list of the pros and cons of bankruptcy and decide what is the right move for you in your current financial situation.

The Pros of Bankruptcy:

Hiring a bankruptcy attorney can be a debt management tool to help solve your financial problems.

  1. Fresh Financial Start – The biggest advantage of having a bankruptcy attorney file your claim is obviously the hope of obtaining a fresh financial start once your debts have been discharged.
  2. Automatic Stay on Debts – Creditors must stop their collections efforts when you file for bankruptcy. All collection actions from creditors will be stopped including: foreclosures, repossessions, and garnishments. If they haven’t, contact your bankruptcy attorney immediately to bring the matter in front of a judge.
  3. Protection of Essential Property­– In most states, your home, car and other essentials are exempt so your bankruptcy attorney will ensure you do not wind up homeless or unable to get around.

The Cons of Bankruptcy:

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Deciding Whether or Not You Need a Lawyer

In many cases knowing when you need a lawyer is a no brainer, such as when you are being sued or if you’ve been arrested. However, there are other legal matters in which you will to need a lawyer that are not as obvious. From real estate transactions to child support cases, there are many circumstances in which you should seek advice or expertise from a lawyer. The following are just a few of the common legal matters that should be discussed with or handled by a lawyer.

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Before choosing an attorney and signing a retainer, it is important that you make a list of questions for a lawyer.The answers to these questions will help you determine who is the best attorney to handle your specific case. An experienced attorney who has the means and resources to commit to you and your needs is crucial for resolving any legal matter. Every case is unique so the answers to these questions for a lawyer will vary depending on the legal matter. Know before you interview a prospective lawyer what your needs are and what you require from your attorney.

Questions for a Lawyer

The following are some of the top questions for a lawyer that you should ask before you put him or her on retainer:

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For lawyers, the mystification regarding the laws surrounding lawyer referral fees can be a common complaint.  As I mentioned in an earlier article, only lawyers can receive referral fees.  Many attorneys think this is an outdated practice, as it completely goes against how most other businesses operate. Giving someone an incentive to help you bring in new business should not be considered a crime. And yet, referral fees to non-lawyers is considered attorney misconduct. Today I ask you – should it be?

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Whether you are a renter, a first time buyer or an empty nester searching for your retirement home, green real estate – an increasing trend in the real estate market – can save you money in the long run. While green real estate might cost you more upfront, you will certainly see a return on your investment with your reduced monthly bills. From community gardens to solar chimneys to geothermal heat and cooling systems, there are many ways in which your green real estate will help save the environment and your wallet.

Three Ways Green Real Estate Can Cut Down on Your Monthly Bills

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Photo By UmjaneDoan

The decision on what kind of law to specialize is likely causing a great deal of stress to those students on the verge of entering law school. While the majority will decide to be the kinds of lawyers that work on standard law specialties like construction or will and trusts, others will choose to take a bit braver route. These kinds of lawyers – those who choose to take part in newer and innovative fields – are the kinds of lawyers that are the ones will become leaders as they advance in their fields. What kind of fields offers countless opportunities to set precedence and assist in changing the way we function? Fields like health care, energy solutions, and insurance offer this and so much more.

Emerging Kinds of Lawyers: Insurance

With the law changing so rapidly, countless new kinds of law are coming into existence and evolving so much, that most law firms can’t keep up.

A recent article in The Washington Post highlighted one law firm that is able to though. DC law firm Arent Fox has successfully positioned itself as a leader in the insurance market by expanding their insurance and reinsurance unit in New York.

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