Debt collectors can sometimes act like hound dogs sometimes; like they can literally be relentless in their attempt to try and force you to pay back the loan you took. Sometimes, they just go too far. And you will never find any shortage of people complaining of debt collectors knowing on their doors at odd hours or blowing up their phones for their loans to be repaid.

But many states have already put and enforced strict laws on debt collectors already regarding issues of abuse or harassments to the borrowers. Some states are even trying to enforce new rules to try and make some of these protections even stronger, which, in all fairness, is what everyone needs. This article will attempt to explain how this will happen.

1. Collectors have to get it right

Recent research by the CFPB found that in the past year alone, about 1 of every 3 contacted customers who were contacted by the creditors or credit collection agencies were asked to pay back the amount they borrowed. Only that the amount which was being requested from them was totally wrong. Often a time, you find that many debts are usually sold with inaccurate, incomplete, or inaccurate information about the borrower and even the borrowed amount. And here is where the problem begins.

A new law would require that all debt collectors scrub the data they have about their borrowers and the borrowed amount and ensure that they collect and store only the correct information and only contact their customers after they have acquired the correct information about them and the amount they owe.

2. Collectors can’t call and call and call

What is it with all the calling every two minutes? Like most sane people will get the message you are trying to communicate the first time you call. So why keep buzzing their phone calls? Luckily, the CFPB’s proposal will also prevent debt collectors from attempting to call their customers more than six times per week. At least, this will save people all the stresses which most debt collectors put people through.

The new limits should also allow the borrowers to stop their creditors from calling them on particular phone lines, while at work and even during certain hours.

3. Debts would now be easier to dispute

This new proposal will also require that debt collectors include more specific information in their agreement forms about the debts plus the initial notices that they send to their consumers. The good news about this proposal is that it will also put some power in the customer’s hands, especially when it comes to defending themselves against any harassments or scams from the debt collectors. This new proposal would also allow the borrowers to verbally question the validity of the debts at any time. The borrowers will also have rights to demand the collection agencies to re-check their files to ensure that they have accurate information.

4. Debt should be documented on demand

The debt collectors would also be required to provide a full debt report to the borrower if, in any case, there is any dispute arising about the debt. This will put the debt on pause as both parties attempt to come to agreements on the debt amount and any agreements and forms that may be leading to the dispute. In most cases, you find that innocent consumers end up being hounded by debt collectors over debts that they don’t owe or even know nothing about.

5. Disputes can’t be shipped away

In cases where a debt collector decides to transfer any debt without responding to any disputed on the debts, then the next collector has no rights, whatsoever, to collect the debt. Not until the dispute has been resolved by the previous debt collector.

These new proposals are meant to protect both the debt collectors and the customers. Consulting with Northcash about your privileges as a debtor will give you all the important information you need to know when getting credit.

And, in as much as debt collection plays a significant role in the economy, it can also end up exposing innocent consumers to unnecessary abuses.

Sometimes even all the riches in the world, the fame, kids, lifestyle, and even amazing careers don’t cut it when it comes to living happily with your spouse. Other people may look at your life and see nothing but paradise, luxury lifestyle and all. What they may not know is what lies underneath all that glamor. Talking to a family lawyer about a possible separation is very normal.

Most instances, you find that families end up divorcing because of a marriage went wrong. It is possible for you to get your frustrated relationship back on track if both of you put an effort to do so. And that’s why it is vital that you recognize the signs while it’s still early enough.

Here are nine signs your marriage might be heading towards the divorce way.

1. You are not happy

Many at times, this is the first obvious sign in any marriage that ultimately leads to a divorce if left unchecked. This is not one of those times when you argue over something small and get angry with each other. It’s plain unhappiness no matter what you or your partner do to try and bring some joy and spice up the relationship. It may be because your partner is unreliable, hostile most of the time or even shutdown. Maybe you feel your partner is no longer as responsive as before. All these are signs of unhappiness.

2. Most of your interactions aren’t positive

The interaction ration of happy couples is around 20:1 which means 20 positive interactions to only one negative one, a study by John Gottman, a marriage counselor. And that, of a near-divorcing couple is 8:1. So, if you notice you have more negative than positive interactions for a period of time then something is going terribly wrong.

3. Looking for reasons to avoid your partner

So, you have just gotten home from work and decide to wait in the car instead of going in the house simply to try and avoid your partner a little while longer. Or maybe you prefer your friends’ company to that of your spouse.

4. Your family or friends urging you to end the relationship

At times you find your family and friends urging you to break off the relationship, claiming you’d be better off. Sometimes, it may be in your best interest to listen to them. Those closest to you will always only want the nest for you.

5. You have a gut feeling you need to get out

Your gut instinct may be talking to you urging you to get out and do it fast. Maybe something is about to do gown and you feel you’re no longer safe around your partner.

6. You live like roommates

It gets to that point where you and your partner even sleep in separate rooms. You don’t care to check with your partner even after long trips or stuff like that.

7. Everything is hard

You realize that nearly every interaction you have with each other feels like work, like a chore. Everything feels difficult and dramatic. Your conversations with one another are either heated, provocative, or painful.

8. One or both of you have changed priorities or values

Your priorities or values all over sudden change and you both want totally different things both in and out of the relationship.

9. A sudden change in behavior

You suddenly realize that your spouse has suddenly dropped lots of weight or even suddenly takes a renewed interest in their appearance. Maybe they suddenly start spending a lot of time from home, sometimes even sleeping out. Maybe they start wanting lots of more sex or even ignoring you altogether. Something is amiss.

So, one thing you need to know before you begin reading through the article is that the Canadian courtrooms and U.S. courtrooms are usually totally different; at least they are like the American television courtrooms you always see being televised. In fact, it is absolutely nothing like that and part of the reason why is due to the different types of legal systems between the two countries. The differences are also evident when you talk to the medical malpractice lawyers Toronto.

There are vast numbers of differences between the legal systems of Canada and USA but you will still notice that a few of these legal systems are quite similar and also contribute to some of the reasons why the compensation rates of most plaintiffs are usually very low. In fact, your chances of winning a medical malpractice claim in Canada is so difficult that sometimes the doctors and nurses who actually cause these negligent acts walk away scot-free. This article has attempted to try and explain some of the differences in the two countries’ legal systems.

1. Low compensations for any pain and sufferings in Canada

Back in 1978, the Canadian Supreme Court declared an inflation-adjusted cap on the total amount that any plaintiffs involved in medical malpractice claims could be compensated. And as of 2015, the maximum compensation that the Canadian supreme court has allowed for any plaintiff who has suffered pain and suffering as a result of the defendant’s negligence in a medical malpractice claim to be awarded is about $350,000. And this is constant no matter how catastrophic the damage might have been.

In the New York state alone, back in 2011, up to ten cases that filed cases involving medical malpractices were awarded well more than $3,500,000 for the pain and suffering the plaintiff went through. But you will find that most of the US states are now starting to put limits on these claims now as well and you may be surprised that some of these limits are even lower than that of Canada.

2. Socialized medicine will lower the plaintiff’s future costs

This means that the plaintiffs are usually awarded for any other medical expense costs that they always end up paying in the future as well. But this is not the same in Canada, where the defendants don’t need to pay the plaintiffs for any provincially-funded health care costs like physician appointments or hospital in-patient appointments. In the US, the defendants may sometimes be required to pay for any of the future costs incurred by the plaintiffs as a result of the injuries that were caused by the defendant’s negligence when handling the plaintiff in medical malpractice claims.

3. Jury awards are usually similar in Canada

In Canada, all juries that award compensations to the plaintiffs in cases where the decision is in the plaintiff’s favor need to explain their decisions in detail and in written forms and are usually bound by the evidence they are presented as well as any other decisions that were made in the previous cases. The Canadian courts don’t function like this as you will realize that most of the money they compensate the plaintiff are always from the tax-funded programs which are another reason why the compensations are usually not as high.

4. Punitive damages are rare in Canada

The legal system usually aims to compensate the victims of negligence in such cases and not to punish the defendants. The compensation is usually aimed at ensuring the victim can return back to the way his/her life was before the injury occurred from the negligence and this is also another reason why the punitive cases are less common in Canada than they are in the USA.

Medical malpractice occurs within the health care profession more often than many would like to believe, unfortunately. Such a personal injury case occurs when a doctor or another health care professionals makes a mistake during their diagnosis or treatment of any type of ailment that leads to more concerns or damages to the individual. Some mistakes may occur, but those can be rectified in the long run. Malpractice is the only feasible option when something goes so wrong that it requires more surgery, medicine, or treatment in order to effectively heal or work with. This is a massive inconvenience for most people, especially an injured individual who is out of work. The first step should be looking into medical malpractice lawyers Toronto.

1. Your Lawyer’s Research

In order to prove medical malpractice took place and there is a court case involved, your attorney will want to perform a bit of research of their own. This will usually involve a few questions that you must answer, including whether or not there was a doctor-patient relationship involved, how the doctor may have treated you while on the premises, and whether or not any damages stemmed from the doctor’s decision or mistake. These are all considered malpractice.

To define medical malpractice, the lawyer will need to receive full answers for every question mentioned above to determine the case is viable or not. Such cases usually hinge on whether or not the doctor breached the standard of care for their patients.

2. Questions to Ask

As mentioned before, your first step should be to contact a personal injury lawyer as soon as possible. If you believe you were the victim of medical malpractice, speaking with a professional attorney immediately will be truly beneficial to all involved.

To start, you should have a few questions to ask your attorney so you may fully understand the situation on hand. Keep payment off your mind, as most personal injury attorneys won’t charge you for their services or representation straight off the bat. They will take a cut after winning the case, though.

Okay, so a few questions to ask include:

• Can I file a medical malpractice suit in my home state if I traveled out of state for medical treatment? Do I have to file in the state where the medical treatment was received? Can you, a personal injury attorney, represent me in the other state?
• Does our home state have “tort reform” laws in place to limit the amount of damages received for medical malpractice?
• Is there any sort of time limit involved with filing a medical malpractice lawsuit? What if I only learned of the doctor’s mistake years afterwards?

For more information, please check out the Bogoroch & Associates LLP website.