If you’re interested in purchasing a home, but your credit isn’t quite up to par for a traditional mortgage, you may be considering a land contract or rent-to-own arrangement as a viable alternative. These arrangements can provide many benefits to both buyer and seller — however, because they can be more complex than traditional mortgages, you may want to seek legal advice from professionals like Heil & Saylor before embarking on this transaction. Read on to learn more about land contracts and what you should know before signing one.
What is a land contract?
A land contract differs substantially from a traditional mortgage, but still allows you to obtain full ownership of your home after spending a specified period of time making regular monthly payments.
Unlike a traditional mortgage, in which you purchase the home from a seller using funds from a third party bank, a land contract involves only two parties — the buyer and seller. When you sign the contract, the seller will agree to finance the property on your behalf — and instead of paying a bank, each month you’ll pay the seller the agreed-upon price. After you’ve made all payments required under the contract, the seller will give you the deed to the home.
When can you seek a land contract?
In general, land contracts are used for home purchases when either the borrower or the home itself does not qualify for a traditional mortgage. For example, in some areas it can be difficult to take out a mortgage for a mobile home, or for raw land that is not zoned for residential or commercial use. In these situations, the seller may be willing to carry financing on the home in exchange for regular monthly payments.
Many buyers also seek a land contract if they’re currently renting a home and the owner indicates his or her wish to sell. By agreeing to a land contract, the owner can continue to receive regular monthly payments without going through the hassle of transferring ownership of the property.
What should you keep in mind during a land contract transaction?
Land contracts can be riskier for the buyer than a traditional mortgage. If the property is subject to an underlying mortgage in the seller’s name, you have few legal protections if the seller fails to pay the mortgage payment (even if you’re making timely contract payments yourself).
These contracts can also present problems if you’re having trouble making payments yourself. Rather than having the seller go through the foreclosure process and its related consumer protections, you’ll instead be subject to an eviction — with a much shorter timeline and fewer opportunities to repay any deficiency and reinstate your mortgage.
Before signing a land contract, be sure to have an attorney look over the agreement to ensure that you’re adequately protected in case things go awry.Learn More
If you have been in a vehicle accident that resulted in damage to your vehicle, it is usually other drivers involved that are involved in your personal injury claim. However, when it is due to bad road conditions, there is more to think about. In order to file a claim, you need to know who is liable, whether filing against vehicle damage or because you suffered bodily injury. Here is more information about accidents due to road conditions and how to decide who is liable for them.
Deciding Who is Liable
In many cases, the local government is actually responsible, since they should be maintaining the roads. If the accident was due to road conditions that could have been prevented with regular maintenance, such as oil and chip problems, shoulder drop-off that wasn’t properly labeled, or potholes in the road, you may have a chance. However, the county, state, or city government must deem that the roads were not reasonably safe.
This is where this type of claim can get tricky. The government is not responsible for every accident caused by road conditions. The government is allowed a decent amount of time to improve road conditions when they become aware of them. If they are within their own reasonable amount of time for repairing the roads, and you get into an accident during this time, they might not be liable.
On the other hand, if the government was fully aware of the dangerous road conditions and failed to make the proper repairs, then you might have a case.
Filing a Claim for Poor Road Conditions
When it comes to filing your claim, you need to know everything you can about the road conditions and how it caused your accident. This will include the name of the road, what direction you were driving, where the poor road condition is located, how and why it caused your accident, and any physical characteristics you remember. Make note of the road conditions, whether you got into an accident due to a deep pothole or because the asphalt was in poor condition and with the rain, it make it impossible to drive on without getting into an accident.
To file a claim, you also need to narrow down who is liable. This means deciding what government will be responsible for maintaining that road. If you check in with your local county commissioners’ office, they should be able to tell you if the road was the city or county’s responsibility. Make sure you fill out the right paperwork and file your claim on time, otherwise it might be denied with no appeal.
Providing Documentation for Proof
The most difficult part of this type of personal injury case is that it can be hard to prove. You need to be able to prove that the government was aware of the road conditions and that it was dangerous, and that they refused to repair it within the designated time. This involves the government actually admitting that they were aware of it. If you are having problems with it, you can check recent survey records, which show surveys conducted on road conditions. If someone noticed the poor road conditions during an inspection, you can use that in your case.
Get a personal injury attorney to help you gather documentation and proof, and complete filing your claim. To learn more, contact the experts at Stapleton Law Offices.Learn More
You may have some mixed emotions if you are a custodial parent receiving child support from the other parent, and you hear that your ex has become so disabled they are no longer able to work at a regular job. Even though you may be sad about the news, you may also be concerned about your children’s welfare. If you are relying on child support to help care of the children’s basic needs, it is important to know what your rights and responsibilities are in this situation.
Modifications to Child Support Payments
A person who has become disabled does not get a free pass to quit paying child support. They are still required to make the payments as ordered by the court, and they must go back to court to get the amount lowered if needed. Depending on the state you live in, the judge will look at the disabled person’s current income, and may also consider yours at the same time. If there is a significant decrease in your ex’s income, the child support may be modified to reflect this.
Sources of Income for Disabled
A newly disabled person may start receiving income and assistance in the following ways:
A judge will count LTD and SSDI payments as income when considering a modification petition since these types of income have been made possible due to an employed (or self-employed) person’s benefits or earning record.
However, if your ex has been approved to receive SSDI payments, then any of their minor dependents would also be eligible for auxiliary benefits through the Social Security Administration. In this case, you would receive payments directly from the government to use in behalf of the children, but your ex’s child support requirement can be modified to reflect this.
If your ex receives a settlement due to a personal injury or worker’s comp claim, this will also be considered income, but assistance from federal, state welfare programs and SSI (supplemental security income) are not considered income and would not be used when determining child support or modification.
Ways to Collect
If your ex applies for SSDI payments, they should also include their dependents as part of their claim. If approved, you will start receiving the auxiliary payments directly from the SSA to use for their benefit and you may receive a percentage of your ex’s SSDI monthly payments also, especially if they owe a significant amount in child support. If you have been receiving any sort of state assistance for the children such as SNAP benefits or Medicaid, the state will likely be involved in helping you get your child support payments and back payments.
If you haven’t been receiving any public assistance, you may need to consult with an attorney from a place like Garrett & Silvey Law Firm for help to get a judgment against your former spouse for back support and to enforce the court ordered payments. The judge could order a percentage of any worker’s comp or personal injury claims be paid to you.Learn More
If you and your spouse have made the mutual decision to end your marriage, you may be wondering whether it’s necessary to have your decision (and any resulting split of assets and debts) ratified by a court. If you and your spouse agree on the terms of your divorce, it may seem unnecessarily stressful or costly to have to file official documents and go before a judge. Fortunately, there are ways for you to avoid seeing the inside of a courtroom while still ensuring that your divorce follows the proper legal channels. Read on to learn more about out-of-court divorces.
Are court divorces necessary?
Some legislators in Minnesota are attempting to streamline the divorce process by allowing individuals to legally separate on their own, without ever requiring their divorce agreement or property settlement to be reviewed and approved by a judge. However, this legislation is unusual — and some even say unconstitutional.
Currently, to obtain a legal divorce in any U.S. state, you’ll need to have the terms of your divorce officially sanctioned by a court. The U.S. Constitution and most state constitutions give courts the sole authority over family law issues, such as divorce and child custody. Unless these courts eschew their own duties, it is unlikely that the legislature will be able to create an alternative divorce process.
What are your present options if you’d like to divorce outside the court process?
This doesn’t mean that you’ll have to go through a lengthy, messy trial. In many cases, you and your spouse may be able to hammer out your agreement with the assistance of an attorney. If there are no disagreements about how the divorce or asset division should be handled, you and your spouse may even be able to use the same attorney. This attorney will draw up your proposed agreement and submit it to the judge for approval.
Unless the agreement is fundamentally unfair, it will likely be approved by the judge — without ever requiring you to step foot into a courtroom. Your attorney should be able to anticipate any questions the judge may have about your agreement, and will incorporate the answers to these questions within the body of the agreement.
This streamlined process is especially useful in cases involving minor children. If you and your spouse agree on a fair division of custody and child support, you’ll not only save thousands in legal fees, you’ll avoid a long process of hearings, fact-gathering sessions, and unnecessary stress. For more information, contact a family law expert like Law Offices of Lynda Latta, LLC.Learn More
Between 200,000 and 400,000 people die each year from medical malpractice in the United States. Medical malpractice is defined as either an action or an omission by medical professionals that lead to permanent damage or even death. Medical malpractice often leads to the victim suing someone in the healthcare field. There are some defined reasons to sue for malpractice. If you think you (or a family member) have a medical malpractice case on your hands, it is a good idea to know what these reasons are.
Negligent Prescription of Medication or Medical Devices
If a healthcare provider prescribes medication or medical devices that cause injury to the patient due to a doctor’s mistake, there is a strong possibility the patient can file a lawsuit. Manufacturers of medications and medical devices spell out the proper usage of products. If the manufacturer warns against the use of the product in situations similar to the patient’s situation and the doctor prescribes the product while blatantly ignoring protocol, this can lead to serious damage to the patient. In this example, the victim can file a malpractice suit against their healthcare provider.
Before an operation, doctors are required by law to explain all risks of the procedure to the patient. This is so that the patient can give informed consent saying that they understand what is happening and what may occur if things go wrong. If the surgery goes badly and the patient ends up debilitated in some way, they cannot sue the doctor. However, if the surgeon failed to disclose all the things that could go wrong, the victim may certainly be able to sue for malpractice.
“Res Ipsa Loquitur” or The Thing Speaks for Itself
In these types of cases, res ipsa loquitur, is pretty simple. The idea is that what happens speaks for itself. It is so obvious, there is no defense for what happened. In most cases, this type of malpractice is proven by items left behind during surgery. The old wives’ tales about a doctor sewing a patient back up and forgetting to remove a clamp, a glove, or even a watch. This mistake is easily proven by an x-ray showing the item that is still in the person’s body.
Medical malpractice lawsuits can be difficult to prove. However, with a good lawyer and strong evidence of damages caused, victims can win their cases. In all cases, harm must have been caused by a negligent doctor. Without that harm, there is simply no lawsuit.Learn More
No parent likes to think that he or she will die and leave behind children that are too young to care for themselves, but it does happen. When both you and your spouse die suddenly, do you know where your children will go? It is a very sad, confusing and scary time for children, and you want yours to be in good hands. They can be, if you “will” them to someone else’s care. However, there is a right way and a wrong way to go about it. A family lawyer can help you establish post-mortem guardianship of your surviving children the right way.
First, Find One or Two People to Be Guardians
You want to find a guardian or couple of guardians who are good with children, share your ideals and parenting styles and who already know your children very well. Do not leave your children with a distant cousin or a family friend whom your children have only met once or twice. Once you have selected the most appropriate candidates, you will have to get their permission to be your children’s guardians. A lawyer will not make it legal and binding if your chosen candidates do not fully agree to take the position. If you have extended family willing to take your children in, they still have to make it legal and binding.
Next, Sit Down with the Lawyer
Although those you have chosen to be guardians do not have to be at the initial meeting with the lawyer, it is better for everyone if they are. They will be responsible for your children completely, in the event of you and your partner’s untimely demises. Therefore, they may want to contribute stipulations to the legal guardianship contract or just be present to hear what your stipulations are. Once the lawyer has drawn up the guardianship papers, then you, your partner, and your selected guardians all have to sign the document in the presence of the lawyer.
Why You Involve Family Law and Not Wills and Probate Law
Willing children to another adult is considered slavery. Ergo, you cannot “will” your children to their emergency guardians and cannot consult with a wills and probate lawyer. Because your children would become part of their guardians’ families, you have to go through a family lawyer, like those at Woehrle Franklin Dahlberg Jones PLLC, to designate guardians in the even that you and your partner are no longer living.Learn More
If you get hurt on the job or become ill and are no longer able to work, there are a number of insurance benefits that may be available to you. You will either be entitled to worker’s compensation or disability insurance. How do you know which one you are entitled to?
Disability insurance helps you if you become ill or are injured, but the medical problems are not work-related. This type of insurance will usually pay you benefits weekly. The insurance company pays out these benefits to you for a temporary, predetermined amount of time.
These types of insurance companies will pay you a portion of what you typically earn if you are incapacitated and can’t perform your duties at work. You would have had to set up a disability insurance plan with your employer and made payments towards the plan in order to have the option of this benefit.
All employers must carry worker’s compensation insurance to protect their employees for injuries and accidents that happen in their place of business. If you are injured at work or by a work-related activity, your employer must legally pay for any medical bills and lost wages that you might incur.
Worker’s compensation is intended to provide benefits for you if you are injured or if some illness is caused by the work environment. If you become permanently or temporarily disabled do to work, they may also pay for your medical bills as well.
Some Insurance Companies Will Pay You Both
There are certain situations the can occur that you may be able to collect both disability insurance benefits, as well as worker’s compensation benefits. If you are hurt at work and that has caused some type of cumulative effect on your health or if a previous work related injury continues to get worse, you can file for both disability and worker’s compensation insurance benefits.
Successfully Report Your Claim
If you are injured on the job, it is important to report it to your employers as soon as possible. Then, your employer will contact their insurance company to pay for you medical bills and any other benefits you may be entitled to. Resources like Prediletto, Halpin, Scharnikow & Nelson, P.S. are also available to help ensure the paperwork of your claim best describes your current situation.
What if Your Employer Refuses to File a Claim?
Sometimes employers or insurance companies may try to dispute your claim for worker’s compensation or disability insurance. A worker’s compensation lawyer can help you file your claim. State disability programs may pay out until your case resolved. Then, your workers compensation benefits will pay back the state organization.Learn More