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“Can I Pursue A Diminished Value Claim?”

April 5th, 2017 Posted by Auto Accidents 0 comments on ““Can I Pursue A Diminished Value Claim?””

If you are involved in a car accident, the vehicle that’s involved can incur lasting harm in the way of a diminution in value. If Vehicle A is damaged and repaired to a pre-loss condition, it is still inherently worth less than Vehicle B, of the same exact make/model/mileage/features, but having never been in a collision. The difference between the worth of Vehicle B and Vehicle A is Vehicle A’s “diminished value”.

Pursuit of a diminished value claim is often left with a message akin to “sue us”. With that in mind, as well as noting that there is an upfront cost to submit a diminished value claim, a cost/benefit analysis is always the first step to deciding whether or not to pursue a diminished value claim. (more…)

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Is Uninsured/Underinsured Motorist Coverage Necessary?

March 13th, 2017 Posted by Auto Accidents 0 comments on “Is Uninsured/Underinsured Motorist Coverage Necessary?”

“I was in a collision, hurt my back and now need surgery that will cost $78,000.” 

This is almost word for word a phone call our law firm received recently. We consulted with the client and determined that the driver at fault only carried a policy of ONLY $50,000. Fortunately, she has UM/UIM (uninsured/underinsured) motorist coverage well above that amount, but it may still not be enough. Without her uninsured/underinsured motorist coverage, she would likely have been stuck with tens of thousands of dollars in medical care. Uninsured/underinsured motorist insurance is an inexpensive buffer against the worst-case scenario of being stuck with a bill for medical care stemming from an auto accident that was someone else’s fault.      (more…)

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6 Tips to Increase Your Credit Score After Filing Bankruptcy

January 23rd, 2017 Posted by Bankruptcy 0 comments on “6 Tips to Increase Your Credit Score After Filing Bankruptcy”

Filing for bankruptcy is an important decision, and the Washington Law Center wants to make sure that the type of bankruptcy protection that you choose is the right one for you. Here are 6 tips to increasing your credit score after you obtain your bankruptcy discharge:

1.  Apply for 1 to 3 secured credit cards. I recommend getting a card that will allow you to put as high a deposit as possible. Why?  The disposable balance the credit card will report to the credit bureaus will be the same as your deposit. So, if you put down a $3,000 deposit, your credit report will show that you have access to $3,000 and that will significantly pump up your score, as a low balance-to-maximum ratio is favorable.

2.  Once you get the secured credit cards, only use them for small items such as gas. Also, pay off the small balance each month. The initial credit increase I mentioned previously will go away if you start to carry a balance. (more…)

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What Should I Expect From Hiring a Bankruptcy Attorney

January 23rd, 2017 Posted by Bankruptcy 0 comments on “What Should I Expect From Hiring a Bankruptcy Attorney”

America leads the world in bankruptcy law innovation, which means ensuring that consumers can defend themselves against creditors, and impossible debts can be restructured or discharged. Below is a list of questions and some answers you should know to make sure your filing of a bankruptcy claim goes smoothly.

1.  Is bankruptcy my best solution?

This question should provide you with a lot of answers.  The bankruptcy attorney should explain both Chapter 7 and Chapter 13 bankruptcies and offer recommendations or options based on your individual situation.  The recommendations should also be supported with the pros and cons needed to make the right decision for your financial future.

2.  What are the benefits of filing for bankruptcy?

(more…)

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“I’ve Been Declined for Social Security Disability Benefits in Washington”

January 23rd, 2017 Posted by Social Security 0 comments on ““I’ve Been Declined for Social Security Disability Benefits in Washington””

You are probably here because you attempted to file for a social security claim either online or by phone. You’ve received notice that your application has been declined. You probably called to see what you can do and have not been successful to re-establish your claim. Where do you go next? This process has probably taken a couple of months and you are still unable to return to work due to your injury or disability. Finances can start getting tight and your stress level is rising.

There are several reasons your social security claim may be initially denied: (more…)

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