Things To Know In Working With An Employment Attorney

In the United States, laborers and workers are protected by a complicated series of regulations and laws.  Unfortunately, many individuals are not aware of what their workplace rights are.  Some people have taken great advantage of, while others get mistreated without being aware that there is legal recourse available to them.  If you work in the U.S., it’s very important that you are aware of what your rights are, so that they are protected – and to seek help from a qualified employment attorney for legal counsel whenever you cannot do it yourself.

Common Workplace Legal Issues

A wide range of different scenarios is covered by unlawful workplace issues.  The following are a couple of the common ones:

Unlawful Termination –

Your termination might be considered unlawful – depending on whether you are part of a protected class and what the specifics of your state’s law are.  However, this information will never be volunteered by your former employer, so in these situations it is critical to have legal representation.

Collecting Overtime –

In terms of collecting overtime wages, employees are sometimes taken advantage of by dishonest employers.  The only way of ensuring that you get the compensation you are entitled to by law is to know what your rights are.

Workplace Harassment –

Anyone can experience harassment within the workplace.  At times, it is superiors engaging in sexual or other kinds of harassment; or it can be fellow employees committing the offense at other times.  Either way it is essential that you obtain assistance from an experienced employment and labor law attorney.

Workplace Violence –

Everybody has the right to feel secure and safe within the workplace.  At times, unfortunately, violence does occur.  It is much easier to obtain justice in workplace violence cases if you have a qualified and experienced attorney working on your behalf.

Compensation Issues –

A large majority of employers are required to comply with minimum wage laws.  In a situation where you suspect your employer is not doing that, you need to get help from a qualified legal representative to make sure that your rights are protected.

If the workplace issue that you are facing involves an ambiguous or complex area of the law – such as a public policy violation, suing for discrimination, filing a blacklisting claim, or negotiating a complicated settlement – hiring a lawyer to assist you will be necessary.  A reputable and experienced employment law attorney should be retained by anybody having a labor law concern to help them with navigating through a confusing maze of relevant administrative rules and legal issues.

After you have your lawyer hired, try to make sure that you maintain a good relationship with them.  It is incredible the number of individuals who think they should be nasty with their attorney.   Do you want to follow this person’s advice, why would you want to alienate the attorney?  You wouldn’t be nasty to your accountant or doctor would you?

If your attorney asks you to attend a hearing or deposition, respond to a discovery request, write a statement or provide documents, then do it.  If you refuse to help yourself, they won’t be able to help you.

If you doubt things that your employment attorney is telling you, seek out a second opinion.  Get another lawyer if you don’t trust the one you first hired.  Just make sure you are not the problem instead of them.  According to a recent study, fifty percent of employment law plaintiffs believe that their lawyers worked against them or were incompetent.  Were some of the plaintiffs unrealistic from the start about the settlement possibilities, merits and costs in their cases?

By providing some cooperation and research yourself, hopefully you will have a positive experience working with your employment attorney.

The Ins & Outs Of Hiring Personal Bankruptcy Attorney

If you’ve been wondering what personal bankruptcy is – as well as when you (or why) you should hire a bankruptcy attorney then the following post will help clear things up. It will take a lot of careful consideration, but personal bankruptcy could very well be a solution for your current financial woes.

In short, a personal bankruptcy filing will allow you to begin managing your debts if you currently owe more than you can viably pay back. The decision to declare bankruptcy as an individual is obviously a deeply personal one. However, it’s important to know that it’s completely legal and has managed to help many people who are essentially “in over their heads” with their debts.

To decide whether or not you need to declare, the amount that you currently owe – as well as what type of debts, how much savings you have, and how much you’re currently bringing home on your paychecks – should all be taken into account. If you can’t think of any realistic way in which you can actually get all of the debts paid off, then hiring a bankruptcy attorney might be the way to go.

Situations Where Bankruptcy Applies

It’s important to know which situations people find themselves in that are most helped by bankruptcy. One of the most common for individuals is medical bills that might be piling up after an unexpected or prolonged illness or injury. Those who have recently lost their jobs and are having a hard time keeping up given the sudden loss of income may be struggling with payments on the likes of car loans or mortgages. A new addition to the family – or a loss – might also put a lot of financial burden on the wage earner.

How Filing Works

There are two ways to file for personal bankruptcy. The first is Chapter 7, in which those with low income have high debts. The downside is that a lot of property must generally be given up, although many of the debts are then wiped clean.

Alternatively, the second form of bankruptcy is Chapter 13. This comes with predetermined payments that the filer will usually have to pay out through a period of something like three to five years. It’s a big commitment, but filers can generally keep their belongings in the process.

Can I File?

Whether or not you can file depends on what types of debts you have. Bankruptcy attorney helps out when your debts are classified as dischargeable. This fits the likes of medical bills, back taxes, medical bills, bank judgments, or personal loans. Those that don’t qualify include newer taxes, alimony, student loans, and overdue child support.

Ideas To Find An Attorney

Choosing the best attorney possible may be the most important step that you can take toward winning your legal case, and it does not have to be the most difficult one to find an attorney. You may need to take some time to look carefully, however. Give your efforts toward choosing a lawyer that has experience working with your specific legal problem in the past, and find an attorney whom you are able to get along personally. Investing the time to select the correct attorney will be well worth it, as they will be more likely to be able to help you succeed in your case.

Select An Honest Attorney

A lot of lawyers offer a consultation for free. Use this opportunity to meet the attorney. Decide during this meeting, whether you feel the lawyer is forthcoming, honest, and a good fit for you. Some individuals are skilled and can determine details about a person’s character within only a few minutes, while some are tipped off by specific personality traits after they meet an individual lawyer.

Be sure to also ask the lawyer about their opinion of your specific case’s chances of failure or success. If the potential attorney sounds strangely optimistic, or doesn’t mention any risks or costs associated with your case, you should consider the possibility that they are not being completely honest with you. Every case has risks and negatives associated with it.

Find An Attorney Who is Responsive to Your Needs

This first meeting will also allow you to help decide if the attorney is detail oriented, precise, and responsive enough to meet your needs for your case. Allow your instincts to lead you. Ask the lawyer if it will be acceptable to call them as the case proceeds to talk about any concerns that arise. If the attorney rejects this idea, you may have trouble getting answers to your questions as your case proceeds, which can be frustrating.

There are few things worse than working on a legal case with a non-responsive attorney. Be sure to find an attorney who will communicate with you throughout the process.

Evaluate The Price Range

Selecting the correct attorney for your case means to find an attorney that offers services within your price range. This means that you should take the time to ask about costs when you have this initial meeting. You don’t want to find out later that you’re being charged per letter, hearing, or other manner that is costing you an arm and a leg.

Do your best to get an estimate of what the attorney feels the case will cost you, in advance, in writing. Try to obtain a contract that states the maximum cost of trying your individual case. This will help you avoid any surprises down the road.

Evaluate The Size of The Firm You’ll Be Working With

There are many benefits to find an attorney that works with a small firm. This often means that you are able to obtain prompt, personal attention. The attorney you’re working with will also likely have time on their hands to spend working on your case, individually. With larger firms, this may not be the case. Instead, lawyers often have to spend their time juggling multiple cases, as well as other responsibilities to the firm itself.

Do Your Homework

Choosing the correct lawyer can help you win your case, while choosing the wrong one can tank it, so do your research carefully to find an attorney. Fire your attorney if they do any of the following: miss a filing date, miss a court date, and refuse to update you about your case, ignore your calls and emails, or lie to you when you ask them direct questions.

Choosing A Bankruptcy

What To Look For

Deciding which lawyer to hire for your bankruptcy case is one of the most important financial decisions you can make. You deserve an counselor who will explore all your debt relief options and give you the information you need to make a sound decision. You need someone who understands your goals, who’ll listen to your concerns and talk in language you can understand, and will help you make a fresh financial start.

My name is Maureen O’Malley. Since 1982, I have been helping individuals in financial distress understand their debt reduction options. We will decide together if Chapter 7 bankruptcy is right for you, and I will then prepare and file your case myself, guiding you through every step of the legal process. Visit my office in Reston, Virginia, to learn if consumer bankruptcy can help you.

Tips for Finding a Bankruptcy Lawyer

A good bankruptcy will:

  • Have extensive legal experience
  • Spend a good portion of his/her practice on bankruptcy law
  • Handle your case directly
  • Treat you with dignity and respect
  • Explain the legal process in plain language
  • Return your phone calls promptly
  • Stay informed about current bankruptcy laws

Each bankruptcy case is different. Therefore, you need an counselor who will take the time to listen to your situation and understand your needs. At the Law Office of Maureen O’Malley, that’s exactly what I do.

My Approach

Hard-working people get into debt for a number of reasons. Whether you have lost your job, have medical bills or simply made some financial mistakes, I will listen to your story without judgment. My goal is to provide the necessary debt relief information so you can choose your next step.

Be wary of people who claim bankruptcy is a do-it-yourself process.

One common mistake people in financial distress make is filing bankruptcy on their own. While it is possible to do so, it is not advisable. Because bankruptcy laws are complicated, and each situation is different, you need to have a thorough understanding of the legal process to file. Hiring a lawyer to handle your case can help you prevent irreparable harm and save you money in the long run.

Ready To Help You

To discuss if Chapter 7 bankruptcy is right for you, contact me online or call me locally at 703-483-9639 or toll free at 888-353-2098. I will analyze your situation and explain your debt relief options. My office is conveniently located off Sunrise Valley, between Wiehle and Reston Parkway.

I am required to disclose that I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.

Benefits of Bankruptcy

Benefits of Bankruptcy

You Deserve a Second Chance

These days many people are facing financial hardship. Salaries are staying the same, or even decreasing in some instances. Unemployment is rising. A number of mortgage payments are significantly increasing. As a result of these and other factors, more and more people are drowning in debt. Fortunately, individuals in financial distress have options.

While the decision to file bankruptcy should not be taken lightly, it is sometimes the best debt relief solution. At the law office of Maureen O’Malley, in Reston, Virginia, I help individuals and families get out from under crippling debt and make a fresh financial start by filing Chapter 7 bankruptcy. Since 1982, I have been giving people the tools to make sound decisions about their future financial lives.

Benefits of Bankruptcy

Many people instinctively dismiss bankruptcy as a debt reduction option. They are often ashamed and embarrassed about their situation and would rather drain their retirement and bank accounts trying to pay off their debt. What they do not realize is that bankruptcy is sometimes the best debt relief solution. Bankruptcy can:

After you decide to file for bankruptcy, the hard part is over. I can actually see my clients’ shoulders relax as they breathe easier after the filing is complete. Bankruptcy truly allows a person to make a fresh start and begin to rebuild your credit score.

The Sooner You File, the Better

When you think you might be in financial trouble, call a lawyer. Even if you think you’re not ready to file, you can gain valuable information to protect your assets. The sooner you take action, the sooner you can develop a plan and protect your assets. There is no need to drain your retirement and bank accounts to pay bills that can be discharged. As your attorney, I will be able to explain your options and guide you through the process.

Give Yourself a Fresh Start

If you are facing unmanageable debt, it’s time to stop beating yourself up. Take positive action to help solve the problem. Contact me online or call me locally at 703-483-9639 or toll free at 888-353-2098. My office is conveniently located off Sunrise Valley, between Wiehle and Reston Parkway.

I am required to disclose that I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.

What About Loan Modifications?

What About Loan Modifications?

Choosing the Best Solution

Are you having trouble making your mortgage payments? Are you worried about losing your home in foreclosure? Many people struggling to make their monthly payments automatically dismiss bankruptcy as a debt relief solution and wonder if a loan modification can help them. Before you make a decision, speak with a skilled lawyer who can give you solid information.

My name is Maureen O’Malley. At my law office in Reston, Virginia, I help clients understand the difference between loan modifications and Chapter 7 bankruptcy. My goal is to give you the information you need to make an informed decision regarding how to best avoid foreclosure.

Loan Modifications Are Difficult to Obtain

A loan modification, or a change in a contract agreed to by both lender and borrower, can be helpful. If you are able to move from an interest-only mortgage or an adjustable rate mortgage to a conventional mortgage with a lower interest rate, you will be able to save a good deal of money.

Unfortunately, these loan modifications have several drawbacks, including:

  • The application process is complicated and lengthy
  • Applications are often denied or don’t offer enough help
  • There is no foreclosure protection while you wait for the lender to approve or deny your application
  • There is generally a 3-month probationary period in which if you are late on a payment, the modification is revoked

Bankruptcy Can Save your Home

Filing bankruptcy immediately stops all foreclosure action. With Chapter 7 bankruptcy, most of your unsecured debt, such as credit cards, medical bills and personal loans, are discharged. This frees up money for your house payments.

Experienced Attorney Protecting Your Interests

If you are facing foreclosure or are concerned you may miss a mortgage payment, contact me online or call me locally at 703-483-9639 or toll free at 888-353-2098. I will analyze your situation and explain your options. My office is conveniently located off Sunrise Valley, between Wiehle and Reston Parkway.

I am required to disclose that I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.

Debt Consolidation

Debt Consolidation vs. Bankruptcy

Exploring Your Options

Many individuals facing overwhelming debt fear the negative stigma of bankruptcy. Concerned bankruptcy will hurt their credit report, they search for alternatives, such as debt consolidation. To understand the differences between the two debt reduction methods, consult with an experienced lawyer.

My name is Maureen O’Malley. At my office in Reston, Virginia, I provide trusted advice about debt relief options. I work to ensure my clients understand both Chapter 7 bankruptcy and debt consolidation, giving them the information necessary to make informed decisions.

Debt Consolidation Promises Much, Delivers Little

When you are in financial distress, debt consolidation can be tempting. These businesses promise to negotiate with your creditors for reduced payments and interest rates, paying off your debt quickly.

Unfortunately, debt consolidation advertisements fail to mention this method does not provide legal protection. Problems include:

  • Creditors can continue pursuing debt collection
  • Creditors can file legal action against you
  • Creditors can continue to call you for payment
  • Debt consolidation companies can fail to pay your creditors with the money you give them
  • Your credit can still be damaged
  • The balance of your debt may be taxable

People who choose this method often find themselves still in financial trouble, needing to file bankruptcy after losing money in debt consolidation efforts. While there are some good debt consolidation companies in operation, it is difficult to tell which to trust and which to avoid.

Bankruptcy Provides Legal Protection

When you file for bankruptcy, the law protects you. Creditors must communicate with your attorney, leaving you in peace. Further, garnishments, foreclosures, threatening phone calls and repossessions stop immediately. To discuss further benefits of bankruptcy contact my office.

Protect Your Financial Future

The debt relief solution you pursue has a major impact on your financial future. Contact me online or call me locally at 703-483-9639 or toll free at 888-353-2098 to further discuss the differences between bankruptcy and debt consolidation. My office is conveniently located off Sunrise Valley, between Wiehle and Reston Parkway.

I am required to disclose that I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.

Debtor/Creditor

Experienced Advice Regarding Debtor/Creditor Relationships

Stop Creditor Harassment

When creditors do not get paid, they can resort to drastic measures. Urgent letters and harassing phone calls are only the beginning. Creditors and collection agencies often threaten to sue and obtain judgments for garnishment. To learn what a creditor can legally do and what your rights are, speak with an experienced lawyer.

Even though you owe money, there are laws that protect you from abusive and deceptive creditor actions. I am Maureen O’Malley, Attorney at Law, located in Reston Virginia. I help people in financial distress understand their rights and protect their interests.

Creditors Are Not as Powerful as They Appear

Creditors use aggressive tactics to collect overdue money. Credit card companies, hospitals, national chain stores, local businesses and other creditors can file a lawsuit against you and obtain a judgment allowing them to garnish your paychecks and bank accounts.

However, according to the Fair Debt Collection Practices Act, there are limits to creditors’ rights. They must follow specific rules, including:

  • Not calling early in the morning or late in the evening
  • Not threatening you or your family
  • Not coming to your workplace

Any creditor who violates the guidelines must pay monetary damages.

Bankruptcy Can Give You a Second Chance

While many people want to avoid bankruptcy at all costs, the truth is, bankruptcy can help you make a fresh financial start. The stress of not being able to pay bills and worrying about creditor actions takes a heavy toll. When there is no end in sight, the frustration can become unbearable.

Many of my clients have said filing bankruptcy gave them a huge sense of relief, a chance to rebuild their financial health and credit. I have over 20 years of experience helping individuals file Chapter 7 bankruptcy. To learn if this is a reasonable debt relief solution for you, or to discuss alternatives to bankruptcy, contact my office.

Arm Yourself With Knowledge

To learn more about debtor/creditor interaction and how to protect yourself from creditor harassment, contact me online or call me locally at 703-483-9639 or toll free at 888-353-2098. My office is conveniently located off Sunrise Valley, between Wiehle and Reston Parkway.

I am required to disclose that I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.

Garnishments And Lawsuits

Trusted Legal Advice Regarding Garnishments And Lawsuits

Helping You Keep What’s Yours

When you are behind on your payments, creditors can take drastic collection actions. They can seek a court order enabling them to garnish your wages and bank accounts. If you are currently in financial distress, a garnishment can be devastating. Fortunately, you can stop the action and, in some cases, even recover money that was recently withheld.

My name is Maureen O’Malley. I help people stop wage garnishments and find debt relief in Chapter 7 bankruptcy. Since 1982, I have been working to guide my clients to a place where they can regain their financial footing on more solid ground. Visit my office in Reston, Virginia, for a consultation regarding your situation.

Protecting Your Interests

To garnish your wages or bank accounts, a creditor must file a lawsuit against you and obtain a judgment from the court. If successful, the creditor can then garnish a percentage of your wages and empty your bank accounts. Other than paying the creditor directly, the only way to stop a garnishment is to file bankruptcy.

As soon as you receive notice of being sued, contact my office. I will act swiftly to protect your interests by working to:

  • Postpone the lawsuit so garnishment cannot be granted
  • File Chapter 7 bankruptcy before the court grants a judgment against you
  • Recover money recently garnished

Filing bankruptcy puts an automatic stay on most garnishments. Even if a creditor has been collecting money like this for some time, the filing will stop a majority of garnishments. A skilled lawyer can give you specific information about the garnishments, such as child support payments, that are not affected by a bankruptcy filing.

Act Quickly to Save Your Money

When possible, it is best to file bankruptcy before there is a judgment against you. This will help you retain more of your money and avoid a judgment on your record. When you meet with me, I will explain the benefits of bankruptcy and walk you through the process. If you decide that is the right course of action for you, I will prepare and file your paperwork, remaining by your side the entire time.

Knowledgeable Attorney Working for You

To learn more about wage and bank account garnishments and lawsuits, contact me online or call me locally at 703-483-9639 or toll free at 888-353-2098. My office is conveniently located off Sunrise Valley, between Wiehle and Reston Parkway.

I am required to disclose that I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.

Avoiding Foreclosure

Helping Homeowners For Avoiding Foreclosure

When Your Home Is In Jeopardy

For many people, their house is part of their identity. It expresses who they are and what they have achieved. When they face foreclosure, such as many are doing in the midst of the current economic crisis, they are confronted with financial and emotional turmoil. However, there are steps a property owner can take for avoiding foreclosure.

My name is Maureen O’Malley. As a bankruptcy lawyer with over 20 years of professional experience, I have dedicated my career to helping people in financial distress find debt relief. Schedule an appointment at my office in Reston, Virginia, to discuss options for trying to save your house.

Lenders Are Not Eager to Help

When in trouble, you may be tempted to contact your mortgage company on your own. Before doing so, understand:

  • Lenders will require you to complete massive amounts of paperwork for a loan modification application
  • A loan modification can take months to be considered and is often rejected or offers too little savings

While loan modifications can be helpful, they are difficult to obtain and the application process can be lengthy. Meanwhile, your mortgage remains unpaid and you are vulnerable to foreclosure action.

Do not make the mistake of listening to friends and family members filled with good intentions but bad advice. Each foreclosure situation is unique and demands extensive evaluation. Only trust an experienced attorney to properly handle your case.

Save Your Home Through Bankruptcy

Filing Chapter 7 bankruptcy can help save your home. In this type of relief, foreclosure proceedings are immediately — though usually temporarily — stopped. Meanwhile, your unsecured debt, including credit cards, medical expenses and personal loans, is eliminated. This frees up funds for your house payments. Before you needlessly empty your bank accounts paying credit card bills and other unsecured debt, contact a lawyer.

Time Is Not on Your Side

When you receive a foreclosure notice, you must act quickly. Your window of opportunity to save your home is narrow. Contact me online or call me locally at 703-483-9639 or toll free at 888-353-2098 for swift legal advice you can trust. My office is conveniently located off Sunrise Valley, between Wiehle and Reston Parkway.

I am required to disclose that I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.