Court Reporter Firms – A Most Valuable Resource For Small Law Firms

It would seem that law firms would have no problem hiring the best court reporters. But that’s often not the case, especially for smaller law firms that don’t have a human resources department. Although smaller firms know what they want in a reporter, finding the time and resources to determine whether a reporter meets their qualifications can prove difficult, and usually results in their using one of two methods to find the right reporters: seeking professional references from other law firms that require litigation services, or seeking reporters through the aid of court reporter firms. While professional referrals can be helpful to finding top rate reporters, seeking a reporter through court reporter firms is usually the better option for two reasons: many reporting firms offer additional litigation services associated with court reporting, and contacting a reporting firm is the best way to choose from the largest number of qualified candidates.

In some cases, court reporter firms that offer additional legal services are contacted to secure these services alone. But the most common reasons that law firms turn to reporting firms is for assistance with depositions reporting, which begins with hiring the right reporter for a company’s type of depositions. In terms of deposition type, the first selection criterion is whether a law firm conducts video or non-video depositions. In today’s legal scene, the assumption that a reporter has experience in video depositions is automatic. But insuring that the experience exists through a reporting agency is the safest bet. The next selection criterion is whether a reporter has experience with a law firm’s case area. For example, a health law firm would be wise to hire a reporter that has training and experience in medical terminology. The third selection criterion is what type of reporting technology is desired, such as digital reporting, voice writing, real time reporting, etc.

The three selection criteria mentioned above are the basic building blocks for choosing the right court reporter. But there’s also a fourth selection criterion that isn’t as straightforward as the rest: determining whether a reporter has the right personality. From a distance, a court reporter’s personality would seem to be one of the last things that determined his or her court reporting ability, as a reporter’s job doesn’t involve interacting with attorneys or deponents during the reporting process. However, there are various instances of poor transcript quality and even emotional reactions from reporters due their previously unnoticed personality flaws. While the majority of reporters are professional enough to handle circumstantial feelings of boredom, bias, unexpected anger, etc., some reporters aren’t as adaptable. To avoid such reporters, reputable court reporter firms evaluate their candidates’ personality in addition to their credentials and work experience.

Consumer Law Report Blasts For-Profit Colleges for Private-Label Student Loans

A new report issued in January by the National Consumer Law Center accuses for-profit colleges of saddling their students with unregulated private-label student loans that force these students into high interest rates, excessive debt, and predatory lending terms that make it difficult for these students to succeed.

The report, entitled “Piling It On: The Growth of Proprietary School Loans and the Consequences for Students,” discusses the boom over the past three years in private student loan programs offered directly by schools rather than by third-party lenders. These institutional loans are offered by so-called “proprietary schools” – for-profit colleges, career schools, and vocational training programs.

Federal vs. Private Education Loans

Most loans for students will be one of two types: government-funded federal student loans, guaranteed and overseen by the U.S. Department of Education; or non-federal private student loans, issued by banks, credit unions, and other private-sector lenders. (Some students may also be able to take advantage of state-funded college loans available in some states for resident students.)

Private student loans, unlike federal undergraduate loans, are credit-based loans, requiring the student borrower to have adequate credit history and income, or else a creditworthy co-signer.

The Beginnings of Proprietary School Loans

Following the financial crisis in 2008 that was spurred, in part, by the lax lending practices that drove the subprime mortgage boom, lenders across all industries instituted more stringent credit requirements for private consumer loans and lines of credit.

Many private student loan companies stopped offering their loans to students who attend for-profit colleges, as these students have historically had weaker credit profiles and higher default rates than students at nonprofit colleges and universities.

These moves made it difficult for proprietary schools to comply with federal financial aid regulations that require colleges and universities to receive at least 10 percent of their revenue from sources other than federal student aid.

To compensate for the withdrawal of private student loan companies from their campuses, some for-profit colleges began to offer proprietary school loans to their students. Proprietary school loans are essentially private-label student loans, issued and funded by the school itself rather than by a third-party lender.

Proprietary Loans as Default Traps

The NCLC report charges that these proprietary school loans contain predatory lending terms, charge high interest rates and large loan origination fees, and have low underwriting standards, which allow students with poor credit histories and insufficient income to borrow significant sums of money that they’re in little position to be able to repay.

In addition, these proprietary loans often require students to make payments while they’re still in school, and the loans can carry very sensitive default provisions. A single late payment can result in a loan default, along with the student’s expulsion from the academic program. Several for-profit schools will withhold transcripts from borrowers whose proprietary loans are in default, making it nearly impossible for these students to resume their studies elsewhere without starting over.

The NCLC report notes that more than half of proprietary college loans go into default and are never repaid.

Recommendations for Reform

Currently, consumers are afforded few protections from proprietary lenders. Proprietary school loans aren’t subject to the federal oversight that regulates credit products originated by most banks and credit unions.

Moreover, some proprietary schools claim that their private student loans aren’t “loans” at all, but rather a form of “consumer financing” – a distinction, NCLC charges, that’s “presumably an effort to evade disclosure requirements such as the federal Truth in Lending Act” as well as a semantic maneuver meant to skirt state banking regulations.

The authors of the NCLC report make a series of recommendations for reforming proprietary school loans. The recommendations advocate for tough federal oversight of both proprietary and private student loans.

Among the NCLC’s favored reforms are requirements that private student loan companies and proprietary lenders adhere to federal truth-in-lending laws; regulations that prohibit proprietary loans from counting toward a school’s required percentage of non-federal revenue; implementing tracking of private and proprietary loan debt and default rates in the National Student Loan Data System, which currently tracks only federal education loans; and centralized oversight to ensure that for-profit schools can’t disguise their true default rates on their private-label student loans.

Other proposed reforms the NCLC supports include modification of federal bankruptcy laws and expansion of federal college loan debt relief programs.

The NCLC argues for a modification of current bankruptcy laws that would allow student borrowers to discharge onerous student loan debts in a bankruptcy petition without having to meet the current, nearly-impossible-to-satisfy “undue hardship” tests. Amidst more relaxed bankruptcy rules and strengthened non-bankruptcy alternatives, the NCLC maintains, fewer borrowers would find themselves hopelessly mired in student loan debt.

Arizona Lawyers Are Regarded As Some of the Best Lawyers in America

In case you are caught in some legal case in Arizona the best option would be to hire the services of an Arizona lawyer since he would know the court system of the state of Arizona in the best possible manner.

In case you are caught in some bankruptcy case in Arizona as per the law of Arizona you can file for bankruptcy which prevents all the creditors from claiming debt from you until and unless the matter gets sorted out as per the law of Arizona. In order to file for bankruptcy one must collect all financial information related to them and you could file for bankruptcy yourself or through a lawyer. The best option would be to hire for services of a bankruptcy lawyer.

Get in touch with the Arizona State Bar Association legal referral service to get a referral or research on the internet or search through yellow pages for information on Arizona bankruptcy lawyers

You can even search through various Arizona lawyers’ directories to get information on various lawyers by going through their database. You can get information regarding lawyers related to Immigration Law, Family Law, Personal Injury, Bankruptcy, Business Law and Criminal Law.

In case you are caught in some legal issues related to taxes in Arizona opt for the services of Arizona attorney as they have to obtain specialized certificate from the Arizona Board of Legal Specialization therefore you know that you have the got a knowledgeable person to deal with your case.

So in case you reside in the state of Arizona and are looking forward to seek the services of an Arizona lawyer it would be a good option to check up with your friends or relatives or peruse the internet for information related to the lawyer. Keep in mind that lawyers from Arizona are regarded as one of the best lawyers in America.

Personal Injury 101: The Lawyer’s Role

Personal injury lawyers are like dentists: they figure in a lot of jokes, but when you need one, there’s no substitute. Whether it’s a motor vehicle accident, a slip-and-fall in a store or mall, an illness or injury caused by a product, or a piano falling from the fourteenth floor, an attorney specializing in personal injury represents the injured party.

FACTS ABOUT PERSONAL INJURY LAW
When dealing with injury law, a lawyer has some obligations to the client. He must keep his finances and bank accounts completely separate from those related to the case. For example, if opposing counsel (the lawyers on the other side) pay a lawyer $15.00 to copy some records, she cannot put that $15.00 in her pocket. That would be called “commingling” and it is against the law.

Attorney-client privilege is also crucial in injury law. This is another term for confidentiality, just as you expect from a doctor. If you tell your lawyer a fact that might damage your case, he cannot reveal that fact to anyone, whether in public or private.

You must have documented physical, mental, or financial injuries, or you do not have a case.

Once a client has signed with a lawyer, a formal Complaint is filed with the court, outlining what has happened, who is responsible and why. The Complaint also provides a dollar amount to settle the case. To arrive at this figure, the attorney or her staff will research the injuring party, determine how much insurance coverage they have, and tally up your “specials,” or medical bills, directly relating to the accident.

There’s no cost to hire a personal injury lawyer, and the client does not pay a fee until the case is settled to everyone’s satisfaction.

CHOOSING THE RIGHT ATTORNEY
Your personal injury lawyer should be sober and serious. He should keep regular hours and return phone calls promptly. She should answer all your questions and translate the complex jargon known as “legalese” into everyday English. Rude, bullying lawyers may be fun on TV, but in real life a client deserves and should demand professional appearance, demeanor, and respect from an attorney.

TECHNOLOGY & THE LAW
The rise of technology has had an impact on law and the way it is practiced. Your attorney may choose to communicate via e-mail or text messaging. She may maintain a web site or a social-media page that provides information or serves as a forum. It’s wise to ask attorneys how technology impacts their practice and what, if anything, you need to know to keep track of your case.

Every moment of the day and night, an accident happens to someone somewhere. When you have been injured, talk to several lawyers, get recommendations, and choose the one who seems most interested in you and most knowledgeable about your situation. Suing someone is never pleasant, but the process does not have to be a nightmare, if you hire a competent, pleasant, and smart personal injury attorney.

Need a Divorce Lawyer? Tips for Choosing the Best Lawyer

Going through a divorce can be a very difficult process. Some divorces are quick; others require court and lawyers. If you happen to be in the latter category, you need a good lawyer. Choosing a lawyer is one of the most important things that you can do in your divorce. Here are three tips in choosing the best lawyer. The tips are: do your research, cost of the lawyer does not equal the level of service, do not be afraid to fire your lawyer.

Your lawyer is going to be the person who files all the papers and represents you in front of the judge. Ask friends and family for referrals to a lawyer. Make sure you ask what you liked about the lawyer and what you did not like about the lawyer. Before you sign any retainer agreements, interview them. When you make your appointment make sure that you ask if there are any consultation fees. You do not want any surprises.

Once you gather your information, you want weigh the costs versus the services. Each lawyer charges for different things. Some charge by the minute; some charge by 8th of the hour. You want to know if the lawyer charges for postage or hand-delivering documents. Do not forget that this is additional to the court fees. You want a lawyer who you feel comfortable with, who listens to your needs, and communicates well. Remember this person needs to represents your interests to the best of his or her ability. The cost he or she charges does not accurately reflect the service you are going to receive. For example, you can go with the biggest named law firm and have the worse lawyer on your team.

If you have chosen your lawyer and he or she is not representing you well in your case, you can fire your lawyer. Remember you want the best lawyer possible. Communication is very important in this situation. Before you fire your old lawyer, make sure that you have already obtained a new one. The new lawyer will send a discharge letter to the lawyer and file it with the court. The old lawyer will still charge you for time for discussing the case with the new lawyer and preparing your file for transfer. If you owe the old lawyer money, it will delay the release of your file to the new lawyer.

Even though it is a process, changing lawyers still can be done. That is why the first two tips are the most important. The average divorce takes a year. You want to have the best person representing you. If you choose the wrong lawyer, you could be paying for years for your mistake.