Hopefully you have never received a call from a debt collector about a delinquent debt. However, the fact is that millions of Americans have delinquent debt and interactions with debt collectors are part of their daily routine. Whether that debt stems from student loans, unpaid medical bills or credit cards, the calls from debt collectors will start coming eventually. Whether you are one of the people currently dealing with these calls or not, it is important that you understand what conduct is prohibited under the Federal Debt Collection Practices Act (“FDCPA”).
If you have driven on Buffalo’s I-190 in recent weeks, you probably are familiar with the Department of Health’s new billboard campaign to promote New York’s “Good Samaritan Law.”
“DBA” stands for “Doing Business As”, and can be abbreviated DBA, dba, d.b.a. or d/b/a. It is also known as an assumed name, fictitious name, or trade name. An individual or a business entity can obtain one or more DBAs.
National Healthcare Decisions Day is Saturday, April 16, 2016. The theme for 2016 is “It Always Seems Too Early, Until It’s Too Late.”
Over 100 million American adults have not designated an agent to make medical decisions nor documented the type of medical care they desire. Although it is a difficult issue to address, it is important for all adults to consider who is best-suited to make medical decisions for them the event they become too ill to convey their wishes personally.
When you are taking steps toward establishing your estate plan and getting your documents in order to protect against future uncertainty, there are several items to consider. As part of your plan you will choose agents to act in your place for health care decisions (Health Care Proxy) and legal or financial decisions (Power of Attorney) which need to be made if you are alive but unable to make the decisions for yourself.
Author Erik Qualman once said, “[t]he power of social media is it forces necessary change.”
While some might differ in opinion as to the use of the word “necessary” in the aforementioned quote, the fact that technology has changed the world is undeniable. With the explosive growth of social media, lawyers and clients are impacted by the evolving nature of discoverable evidence in a civil lawsuit.
Effective estate planning may reduce estate taxes, which will benefit you and your family financially. In the face of ever-changing tax laws, there is growing concern about how to best protect assets and secure them for future generations.
Anticipating your potential estate tax liability is a great place to start planning. Estate taxes are due within nine months after the date of death. Therefore, advance planning is key to addressing tax liability.
Are you interested in buying a foreclosed property? Not only should you enlist the help of a real estate agent who has a background in buying and selling these types of properties, but you should also plan to consult with a real estate attorney who understands foreclosure laws and regulations—they are tricky and vary from state to state.
You need to purchase optional SUM insurance on your auto liability policy to protect you from drivers who do not carry enough insurance. New York law requires that you have auto liability insurance coverage. The minimum amount of liability coverage is:
- $10,000 for property damage for a single accident
- $25,000 for bodily injury and $50,000 for death for a person involved in an accident
- $50,000 for bodily injury and $100,000 for death for two or more people in an accident
In New York, the biological father of child born out of wedlock has the right to be notified of an adoption. However, only under certain circumstances will his consent to said adoption be required. Generally, a biological father’s consent must be obtained if the following circumstances hold true: