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Workers Compensation: Your Safety Net


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Workers Compensation: Your Safety Net

You put your heart and soul into your job, so it seems only fair that you should be protected from harm while you’re there. Most good employers do go out of their way to provide safety training and equipment to keep their workers safe and protected from any hazards. Federal agencies, like the Occupational Safety and Health Administration, also have standards in place for employers to follow to keep their workers safe. However, sometimes accidents happen anyway, and when they do, workers compensation is meant to be your safety net. Most of the time, if you follow your company’s procedures for filing a workers compensation claim, you’ll be paid with no trouble. However, I know from experience that it isn’t always that easy. I started this blog to help you learn what to do when your company or their insurance company denies your workers compensation claim.

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Pursuing Bankruptcy Protection

Financial hardships and difficulties can leave individuals completely unable to move forward with their lives. To help individuals that have found themselves in this spot, the bankruptcy process can be an escape from the crushing debt and seemingly endless bills.

You Can Rebuild Your Credit Following A Bankruptcy Filing

Individuals may assume that a bankruptcy filing will be a permanent stain on their credit score and history. However, your bankruptcy will not have a permanent impact on your credit score. While the bankruptcy will be noted on your credit history for seven years, you will be able to start the process of rebuilding your credit long before. In fact, many individuals may be able to substantially improve their credit within a couple of years of filing for bankruptcy protection. It should also be noted that it can be impossible to take steps to improve your credit if you are struggling to pay your bills.

A Professional Bankruptcy Lawyer Can Significantly Reduce The Difficulty Of Filing For Bankruptcy

While it is theoretically possible for a person to go through the process of filing for bankruptcy protection without the services of a bankruptcy lawyer, it is almost never advisable. The process of filing for bankruptcy can be extremely complicated, and without the type of training that a bankruptcy law professional has, it can be very difficult to navigate this process without making costly mistakes. For example, individuals can struggle to understand whether Chapter 13 or 7 are the better options for their situation, and this can be especially true when reviewing the criteria to understand which applies. In addition to handling the complex legal aspects of the case, a bankruptcy law professional can also help you by representing you in negotiations with creditors.

Bankruptcies Can Take Time To Resolve

Individuals that are seeking bankruptcy protection should understand that this is a fairly lengthy process. As a result, it is important to be patient with this process. Furthermore, you should be prompt with completing documents, reviewing offers, and responding to your attorney's communications. These steps will help to ensure the bankruptcy process is not unnecessarily hindered by these factors. While the entire bankruptcy process can take time to be formally completed, you will be protected from aggressive creditors almost immediately. This is due to the fact that collection actions will have to halt until the bankruptcy process is complete. For those that may be facing imminent eviction or foreclosure, this can be among the most important benefits of filing for bankruptcy.

For more information, reach out to a local bankruptcy lawyer.