Legal Tips to Avoid Paying Back Credit Card Debt

paydebtOne of the legal tips to avoid paying back credit card debts stars with outright stop payment. As you read and learn more you will realise there are ways through which one can avail legal tips to avoid paying back credit card debts.

As we go on using credit card for our daily expenditure, we don’t realise how deep we have gone into the debt trap. It is only when we start defaulting on repayment that we realise, how difficult it is to come out of credit card debt. If recession has made the matters worse than it is recession which also helped elimination of debt in the easiest possible way.

There was time when the easiest legal tip to avoid paying back credit card debt was declaring bankrupt. When debtors failed to repay the money borrowed they simply declared them self bankrupt. But in modern times when credit histories of debtors are easily transferable, it is wise to carry a clean credit history for future transaction. So it is not wise to call oneself bankrupt. Instead one should try to clear all his debt with possible legal help and move forward.

As we realise that there are legal tips to avoid paying back credit card debt, next thing to do is find out what are those. As per experts the best possible legal option is to take help of debt Relief Company. The company make such an arrangement with bank that a debtor doesn’t have to pay full amount that he owes but only what is left after negotiation. How much amount to pay or how much waiver to avail is entirely dependent on the relief company’s expert negotiation skills.

Many a times a settlement company had succeeded in availing discounts as big as 70%. Whatever left is then paid on easy monthly instalment during a period of 1 to 2 year time. Such arrangements are absolutely legal with no hidden conditions. The most important point to be taken care of is that not all the debt relief companies are legal. There are cases of fraud and bogus company posing as genuine and duping innocent debtors.

Therefore, one of the most important legal tips to avoid paying back credit card debt is to find and hire a debt relief company of repute, a debt settlement company which has a history of successful track record. There are many such companies which one can select through internet.

Getting out of debt through a debt settlement process is currently very popular but you need to know where to locate the best performing programs in order to get the best deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.


Legal Tips Every Medical Practice

There are several federal and state laws governing the provision of health care in the US. Medical practices that are unaware of the legal implications of these laws are at a distinct disadvantage, because it limits their ability to fully comply with legal and ethical issues. In this regard, there are some important legal tips that every medical practice should be aware of, as it relates to matters such as entity formation, patient care, and compliance with Medicare and Medicaid (Medi-Cal for California).

Entity Formation

Medical practitioners should ensure that proprietorships are in keeping with relevant statues and regulations. Health care providers desiring to form their own medical entity should be careful to comply with licensing and permit requirements, as well as other laws governing the formation of medical practices. In particular, they should scrutinize the specific laws that stipulate the permissible ownership and management structure. In some states like California, there are restrictions on the entities that certain categories of health care providers can operate.

Ensure Compliance with State and Federal Health Laws

The privacy and security of medical records are safeguarded by federal and state health care laws. The Health Information Portability and Accountability Act (HIPAA), is a federal law that recognizes the sensitivity of patient medical records. HIPAA has therefor instituted a number of checks and balances to prevent those records from being used improperly. HIPAA defines identifiable health information that can be transmitted as protected health information (PHI), which must be secured.

Medical practices and providers are obliged to comply with HIPAA, and therefore need to set up a compliance unit with staff that is fully aware of compliance related policies. The compliance unit will be able to prevent violations of law. California also has several state laws that medical practices must adhere to, relating to the protection and security of health information. Medical providers often need legal assistance to help negotiate the web of regulations that are out there.

Dealing with issues of non-payment by insurance companies

At some point in their existence medical practices are going to be confronted with the troublesome issue of nonpayment by insurance companies. They are therefore advised to be proactive and not sit back when independent practice associations (IPAs), fail to make good on payment. ‘Slow payment’ often results in ‘no-payment,’ therefore physicians ought to persistently follow-up the IPAs for payment, as soon as there is any delay. They should also seek legal assistance where necessary.

Avoiding Medicare Overpayment issues

Billing errors can lead to serious consequences for a medical practice, so it’s important to avoid Medicare overpayment issues. Physicians should therefore ensure that their billing system is accurate, and services are being billed correctly. It’s often advisable to seek the assistance of health care attorneys in this regard, as they are well placed to provide the necessary guidance and oversight.

In the event that an overpayment is made, the medical provider should promptly make a report as stipulated by the Affordable Care Act. Under the Affordable Care Act, physicians are required to report any payment violation within 60 days. Failure to do so can result in them being held liable under the False Claims Act.

Dealing with dual eligible patients

In California this relates to patients that have both Medi-Care and Medi-Cal. Patients that fall in this category may be eligible for Cal MediConnect. Cal MediConnect was implemented to streamline the provision of health care for dual eligible beneficiaries, and forms a part of the wider Coordinated Care Initiative (CCI).

Physicians need to understand the registration process, as well as the implications that will ensue for their medical practice, as a result of the Cal MediConnect program. In particular, they should have a good understanding of issues relating to enrollment and billing, as well as the how they will be impacted if patients opt out of MediConnect.

In California, the statutes and regulations regarding medical practices are varied, and very often health care providers are unaware of the legal nuances that can affect their practices. However, by retaining the services of an experienced healthcare attorney, they can gain a better understanding of the health care laws.


Legal Tips For Home Owners

legalPersonal home is just like a heaven in the world. Having your personal home is like a dream come true but there are many complexities and legalities associated with it.

It is in the best interest of you to complete all legal formalities before and after purchasing the house. These legal procedures can save you from much bigger problems and tensions. Some of the important legal tips for home owner that you must take care of are given below:

Documents Verification

Verification of documents is one of the critical issues in purchasing your personal home. You must verify all the related legal documents of the property. It is advised that you should perform this verification process either yourself or through some legal firm.

You must also check that there should be no financial liability over this property. If you are buying this house on behalf of actual owner, then you must verify the validity of his / her power of attorney.


This is the first step which you have to take before purchasing your desired house. You should advertise in local newspapers about your intentions to purchase the specific house. The advertisement should clearly state that if somebody has any legal right over this property, he / she can contact you within the given time frame.

Proper Documentation

It is your most important duty to prepare all concerned legal documents which are compulsory to prove your ownership. This documentation may include preparation of lease agreements, registry papers, transfer deeds, sale deeds, no objection certificate, non encumbrance certificate and the clearance from all utility departments like electricity, gas, water and sewerage.

Mode of Payment

It is considered a good deed in favour of you to make all the payment of your new home through bank. This will make a proof of your payment about the purchased property.


Now you have become the owner of your personal home so it is your responsibility to register your home with all concerned governments departments. You may register this property to cantonment board, Municipal Corporation, local government department of land, union council or any other institution.

Utility Connection

It is a better approach to have all utility connections on your personal name. If you have purchased an already built house then you should transfer all connections to your name by giving application of transfer. If you have built a new house yourself then apply for the new connections on your name.

Issuance of Power Of Attorney

You should not issue any kind of power of attorney to anyone for any purpose. If you are willing to transfer your share to your family or anyone else then it is advised to do it with your will papers rather than issuing the power of attorney.


It very important to get insurance policy for your home as it will insure your home from any accident like theft, fire, earthquake or any sort of natural disaster.

Some people are against the insurance policy of houses. They are unaware of the terms and conditions of the policies and assume it as wastage of money. However the fact is that if you adopt right policy then it is in your best interest of you as you can claim for the damages caused to your home in case of any disaster.

Rent Agreements

There can be the case when you are not interested in living in your own house and want some portion of it to be rented out or have a paying guest in your home. In such scenarios it is advisable to make proper agreement / deed about the rent and other related terms and conditions. Also you should check and verify the character of your tenants.


Pre-Paid Legal Services Review

In this Pre-Paid Legal Services review, I will be offering information pertaining to the history of this company, the legal services that they provide to their members, and the business opportunity that they offer. Does Pre-Paid Legal Services offer the best home based business for you and your family? Lets begin my Pre-Paid Legal Services review.

Previously known as The Sportsman’s Motor Club, Pre-Paid Legal Services was founded by Harland Stonecipher in 1972. Pre-Paid Legal offers legal expense plans for a low monthly fee of $26 per month or lower, depending on the level of legal representation or services you desire. The services that they offer will benefit individuals, families, and businesses alike.

Similar to the way that health insurance companies have contracts with local health care providers, Pre-Paid Legal has contracts with provider law firms. If you need legal assistance, you just simply call your provider law firm on your membership card.

To become an Independent Associate, the cost to do so is $72. For this price, you will be provided with sales aids and business materials, certified field training, and home office support among many others to assist you with achieving a successful start in your new business.

As an Associate, you will be provided with 3 ways that you can make money with Pre-Paid Legal. These include:

1. You will receive immediate compensation as you successfully sell any of their legal plans such as Individual Memberships, Employee Benefit Memberships, Business Plans, Commercial Drivers Legal Plans, and Law Officers Legal Plans to name a few.

2. You will receive override commissions when members of your downline enroll new Pre-Paid Legal Members and new Associates.

3. You will receive a residual income stream on your personal membership sales, as well as sales achieved through your organization for as long as they remain in effect.

In my opinion, Pre-Paid Legal Services is a very legitimate company. Many times when someone needs the legal advice of an attorney, they do not bother to enlist their help, because of the cost associated with doing so. This company has positioned themselves to help a multitude of families and businesses at a price that is affordable to just about anyone. You will need to keep in mind that this is a business that will encourage you to prospect amongst family and friends to achieve success. With that being said, Pre-Paid Legal Services is a very legitimate opportunity that offers the tools and support for your success.

As always, I wish you success in your search for a home based business for you and your family.

Dave Fennell is an Investment Advisor who is transitioning into a Home Based Business in Internet Marketing. He specializes in Article Marketing, Blogging, Social Network Marketing, Video Marketing, and many other Top Online Marketing Strategies.