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Strategies for Collecting a Commercial Debt

Steps to Take When a Client or Customer Fails to Pay When you run a small business, it's almost inevitable that you'll have to spend some time chasing payments from customers or clients. Here are some strategies to help improve your chances of collecting that commercial debt: Notify the debtor as soon as payment is late—If you expect payment … [Read more...]

The Penalties for Driving While Intoxicated in New Jersey

What to Expect When You've Been Charged with a DWI in New Jersey In New Jersey, as in most states, if you are pulled over by police and a blood alcohol test is administered, you can be arrested and charged with driving under the influence if your blood alcohol content (BAC) is .08 or higher. You don't need to be on the road, and can even be … [Read more...]

Happy 4th of July 2019

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How Does a Bankruptcy Filing Affect a Co-Signer on a Debt?

Often, when you're having financial struggles, you can obtain some credit and secure some needed items by getting a friend or family member to co-sign for a debt. But what are the consequences for the co-signer if your financial situation doesn't improve and you decide to file for bankruptcy protection? A bankruptcy filing generally has no impact … [Read more...]

Extinguishing Credit Card Debt in Bankruptcy

Avoiding the Presumption for Fraud for Credit Card Purchases If you're seeking bankruptcy protection because your credit card debt has become unmanageable—you're not alone. It's one of the most common reasons consumers file for Chapter 7 bankruptcy protection. In addition, because credit card debt is considered unsecured, you can discharge … [Read more...]

Common Causes of Pedestrian Accidents

The Centers for Disease Control (CDC) estimates that more than 350 pedestrians require emergency medical care every day after being struck by a car, and that an average of 16 pedestrians are killed daily across the United States. The causes of these very serious accidents are varied: Turns into crosswalks—the most frequent situation leading to a … [Read more...]

Insurance Coverage after a Pedestrian Accident

How Does an Injured Pedestrian Cover Medical Expenses? When you have been injured as a pedestrian because of the carelessness or negligence of a motorist, chances are strong that your injuries will be serious, requiring hospitalization and even long-term physical therapy or rehabilitation. In the immediate aftermath of the accident, you'll likely … [Read more...]

Affirmative Defenses to Allegations of Breach of Contract

If you're in business, you have regular exposure to contracts, both written and oral. You may also have the experience of dealing with situations where a party has failed to meet obligations under an agreement. Though the breach of a contract can often be the basis for legal action, there are certain "affirmative defenses" that can be raised, which … [Read more...]

Understanding Wrongful Discharge

When Is Termination of Employment Illegal? Your job is one of the most important parts of your life. It brings self-esteem and provides you with the resources to take of yourself and your loved ones. Few things can be more devastating than getting fired. When that happens, one of the first questions you need to ask is "was the termination … [Read more...]

Common Defenses to the Enforceability of a Contract

In an earlier blog, we identified the specific elements of a valid and enforceable contract: An agreement Supported by consideration Voluntarily entered into By persons with contractual capacity With a subject matter that is legal Let's look a little closer at the defenses you can raise to the enforceability of a … [Read more...]