Permanent and Temporary Disability Benefits: An Overview from a Workers' Compensation Attorney

There are differences between temporary disability and permanent disability status in workers' compensation cases. Attorney Craig A. Altman provides insight.

Obtaining workers’ comp benefits isn't easy. Although you are entitled to workers’ compensation for your on-the-job injuries, insurance companies are known for fighting against a majority of claims.”

— Craig A. Altman

VINELAND, NJ, UNITED STATES, April 30, 2018 /EINPresswire.com/ — Workers’ compensation typically covers an injured worker’s necessary and reasonable medical treatment, prescriptions, and hospital services. Qualifying for disability benefits contains slight differences due to state laws. However, future benefits vary depending on the type and severity of injury sustained. There are differences between temporary disability status and permanent disability:

Temporary partial disability benefits – A worker who is injured on the job in either Pennsylvania or New Jersey is typically entitled to receive compensation until they are able to return to their original work position. An independent doctor chosen by the employer or the employer’s insurance company will usually make a determination about when the injured worker is healthy enough to return to work. If you are assigned a lower-paying job when you return to work, you are still eligible for benefits equivalent to two-thirds of the difference in pay.

Permanent partial disability benefits – A worker who is permanently disabled because of a work-related injury is eligible for workers’ comp benefits, with the amount depending on the extent of the injury and the individual’s functional loss. In New Jersey, the area of the affected injury determines the level of benefits. In Pennsylvania, if a doctor determines that the worker is less than 50 percent impaired according to American Medical Association standards, the worker’s injury will be classified as “partial disability.” PA law allows workers’ to recover two-thirds of the difference in wages if they suffer a partial disability and are unable to perform the same job they had prior to the injury.

Temporary total disability benefits – If you are temporarily unable to work as a result of your injury, workers’ compensation benefits are available for an extended period. A doctor will need to determine that you are at least 50 percent impaired as a result of your work-related injury. In New Jersey, workers receive 70 percent of their gross average weekly wage for up to 400 weeks, while PA law grants eligible workers two-thirds of their average weekly wage for up to 500 weeks if they suffer total disability. In both states, temporary total disability benefits are terminated when the worker is released to return to work or when the worker has achieved maximum medical improvement.

Additionally, in Pennsylvania, an employer may require the worker to undergo a medical examination after 104 weeks to determine if the worker is still at least 50 percent impaired. If the 50 percent threshold is no longer met, the worker’s status and benefits may be changed to partial disability.

Permanent total disability benefits – If you are unable to return to any kind of gainful employment, you may be eligible to receive weekly benefits for as long as you are considered totally disabled and unable to work. An attorney can help you determine whether you should receive these benefits in a lump sum or in weekly payments. There are pros and cons to accepting a lump sum payment, and an experienced workers’ compensation lawyer can help you explore your options.

In New Jersey, permanent total disability is presumed when the worker loses a combination of certain body parts, including eyes, arms, hands, legs, and feet. In Pennsylvania, a doctor determines whether the worker is at least 50 percent impaired in accordance with American Medical Association standards.

Death benefits – If a worker dies due to an on-the-job injury, his or her dependents (typically a spouse and/or surviving children) may receive death benefits. In New Jersey, the death benefits are paid at a rate of 70 percent of the deceased worker’s weekly wages, while PA workers’ compensation death benefits are determined by the number of dependents. Additionally, dependents may be compensated for funeral expenses of up to $3,500 in NJ and up to $3,000 in PA.

Obtaining workers’ comp benefits is rarely easy. Although you are entitled to workers’ compensation for your on-the-job injuries, insurance companies are notorious for fighting vigorously against a majority of workers’ compensation claims. You need an attorney on your side during the negotiation process because insurance companies often offer low settlements to unrepresented parties. The key to getting a fair settlement and accurate classification of your injury status is to hire disability lawyers who understand how insurance companies operate in workers’ compensation cases.

+++++ Disclaimer+++++ This press release is considered advertising and does not constitute any client-attorney privilege and does not offer any advice or opinion on any legal matter. This release was drafted by Results Driven Marketing, LLC, a digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA

Craig A. Altman
The Law Offices of Craig A. Altman
(215) 569-4488
email us here


Source: EIN Presswire

Workers' Compensation Lawyer Talks What to Do With Pre-Existing Conditions and Workers' Compensation

Saffren and Weinberg - Personal Injury Attorneys

Many workers find themselves hurt at work but find their workers' comp claims denied due to pre-existing conditions. Ken Saffren discusses what you should know.

It is important to work with a well-trained work injury lawyer to prepare your case and give your claim the best possible chance of success.”

— Ken Saffren, Partner

JENKINTOWN, PA, UNITED STATES, April 30, 2018 /EINPresswire.com/ — Many workers find themselves hurt on the job and they may be eligible for workers’ compensation. But, many may find their workers’ compensation claims denied due to a pre-existing condition.

Injuries due to pre-existing conditions are not eligible for workers’ compensation benefits. However, if the injury was not directly caused by the pre-existing condition then it may still be eligible for workers’ compensation benefits.

If you have a pre-existing condition that you believe may deny you your claim to workers’ compensation or have been denied workers’ compensation wrongly because of your pre-existing condition, it is worth finding a Philadelphia workers’ compensation lawyer to help you explore your options.

What is a Pre-Existing Condition?

The definition of a pre-existing condition in workers’ compensation law is a previous medical condition or a sustained injury that then becomes aggravated. This is a very wide definition that can include a variety of medical claims and conditions, and therefore as a worker, it is important to be aware of the kinds of injuries you receive and the medical conditions you may have.

The kind of coverage and benefits workers’ compensation gives varies heavily depending on the origin of the pre-existing condition. Generally, if the condition is due to a previous work-related injury, which you are receiving workers’ compensation for, then it will often be permitted to receive additional workers’ compensation if it is further aggravated or has contributed to another condition.

However, if the condition is one that is not related to a prior workers’ compensation claim but rather has contributed to your current injury, then whether you will receive workers’ compensation becomes a complicated question.

It is important to receive a medical evaluation whether your pre-existing condition or injury was related to workers’ compensation or not. A doctor, particularly one skilled and experienced in workers’ injuries, will often know the kinds of terms to use and the facts to look for.

However, if your condition is completely unrelated to your work and was not proven to contribute to any current injuries, workers’ compensation will not be able to pay for it directly. Workers’ compensation will only pay for injuries sustained on the job, either unrelated to the pre-existing condition or ones that may have been aggravated by it.If you have a pre-existing condition, normally your health insurance will be the one paying for it, as long as it doesn’t contribute to an injury on the job.

Pre-Existing Condition Example for Workers’ Compensation

Assume, for example, that you are a construction worker and have been injured from falling off a roof. You now are applying for workers’ compensation benefits and want to know how to best present your case, as well as what your chances are.

In Pennsylvania, the formal process of filing a claim includes notifying your employer and having their insurance company process your claim and pay your benefits. However, it often isn’t that easy, as the insurance company will challenge the claim, whereupon you may need to go to the state government to settle it before a workers’ compensation judge. Either way, the success of your claim will depend on both the injury/condition and the cause of it.

Suppose that you permanently damaged your back from a fall off the roof. If you were on the roof for the purpose of doing work for your employer, and in the process of doing that work, it is very likely that your injury satisfies the workers’ compensation requirement that the injury was sustained during the course of employment.

However, if your back was already weak from previous injuries or back conditions, that may pose a pre-existing condition challenge to your claim. If your back was weak from having previously fallen off a roof while employed and received benefits for it, you may still receive benefits for it again.

In contrast, if your back was especially weak or already showing signs of breaking down, the insurance claim may be much harder to process. That is why it is important to work with a well-trained work injury lawyer to prepare your case and give your claim the best possible chance of success.

What is Workers’ Compensation?

Workers’ compensation is a program that many employees have heard of, but few know the workers’ compensation facts that may be essential to helping them secure their benefits. Particularly for workers with pre-existing conditions or injuries, understanding what workers’ compensation is and how it works in Pennsylvania is crucial.

Essentially, workers compensation is a state-administered program that provides you compensation for being hurt at work. Each state runs their own insurance program. Pennsylvania runs its workers’ compensation program uniquely, as it administers its state’s workers compensation fully through the Compensation Rating Bureau and relies on private insurance carriers to initially process, evaluate, and pay claims.

Pennsylvania maintains a workers’ compensation fund, but generally, that is only used when there are disputes between the employer, insurance carrier, and injured employee regarding benefits and claims. These insurance carriers will then charge employers premiums for workers’ compensation insurance.

Even if you are partly or totally injured or disabled, workers’ compensation benefits remain possible in Pennsylvania. It is important to work with a lawyer in the region you are in, such as a Philadelphia workers’ compensation lawyer or otherwise, to explore your condition and plan your claim. This is even more important if you have a pre-existing condition.

While the workers’ compensation facts may be confusing initially, the system nonetheless serves many thousands of Pennsylvanians each year who have been injured on the job, even those with pre-existing conditions.

Is Pennsylvania Friendly to Pre-Existing Conditions or Workers’ Compensation?

Pennsylvania is one of the more generous states for workers compensation payments and benefits. In 2016, Pennsylvania ranked 17th out of 50 states. However, this was lower than its 12th place ranking in 2012. Furthermore, Pennsylvania pays 8% more than the national average for workers compensation.

While rankings for pre-existing conditions are not available, an overall friendly environment for workers’ compensation is a positive indicator.

I have a Pre-Existing Condition and Want Workers’ Compensation, How do I get it?

The general process for filing your claim for workers’ compensation benefits in Pennsylvania is informing your employer and attempting to get their insurance carrier to pay. If the claim is denied, you can appeal to the state and its judges.

However, many workers will find they want the services of a work injury lawyer to help them navigate the extremely complex legal proceedings as well as present their case in the best light.

I’m ready to file a claim. What’s next?

If you believe you have been injured on the job and are ready to file a claim for workers’ compensation or have had a workers’ compensation claim denied because of a pre-existing condition for which it was not the cause, then it is worth contacting a work injury lawyer to discuss your case.

Ken Saffren, Lawyer of Jenkintown and Marc Weinberg, Attorney are named partners of Jenkintown's Saffren & Weinberg. They, along with their team, work tirelessly to find solutions for those who have been involved in accidents or seek social security benefits. Known as "The People's Voice in Court," Weinberg and the team make themselves available via direct phone at 215-576-0100 or via email on the website. Saffren & Weinberg provides a no-charge, complimentary case review and is more than happy to answer any questions that you may have.

+++++ Disclaimer +++++ This press post/release is considered advertising and does not constitute any client-attorney privilege and does not offer any advice or opinion on any legal matter. This release was drafted by Results Driven Marketing, LLC: a full-service digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA

Ken Saffren, Partner
Saffren & Weinberg
215 576-0100
email us here


Source: EIN Presswire

Copyright Lawyer Discusses Different Copyrights and What They Mean

Trademark & IP Attorneys

Intellectual Property Attorneys

Alex R. Sluzas, Esq., of Philadelphia's Paul & Paul is an experienced copyright attorney. He shares valuable copyright info.

Unlawful usage of works protected by the copyright law is known as copyright infringement . In case of infringement, you can seek the help of a copyright attorney.”

— Alex R. Sluzas, Esq.

PHILADELPHIA, PA, UNITED STATES, April 30, 2018 /EINPresswire.com/ — A copyright ascertains exclusive rights to persons who create original works of authorship, including literary, dramatic, musical, artistic and certain other intellectual works. Being a form of intellectual property law, it applies to both published and unpublished works.

Copyright law does not apply to facts and ideas. Instead, it protects the representation of facts and ideas. Works that are still intangible and not rendered onto a physical medium are just ideas and therefore not entitled to copyright protection.

Unlawful usage of works protected by the copyright law is known as copyright infringement. In case of infringement, you can seek the help of a copyright attorney. Copyright lawyers help clients apply for copyrights and represent them in disputes over copyrighted material.

Copyright offers the owner exclusive right to:

-Reproduce the work in copies
-Prepare imitative works based on the original work.
-Distribute copies of the work to the public by sale or other transfer of ownership or by rental, lease, or lending
-Perform the work publicly if it is a literary, musical, dramatic, or choreographic work
-Display the work publicly if it is a pictorial, graphic, audio-visual or sculptural work. This right also applies to the still images of a motion picture or other audiovisual creations.
-Broadcast the work publicly using a digital audio transmission if the work is a sound recording
-Copyright law applies to the following:
-Literary works
-Musical works
-Dramatic works
-Choreographic works
-Artistic works
-Motion pictures and other audiovisual works
-Sound recordings
-Architectural works
-Literary Works

Section 101 of the Copyright Act defines “literary works” as “works, other than audiovisual works, expressed in words, numbers, or other verbal or numerical symbols or indicia, regardless of the nature of the material objects, such as books, periodicals, manuscripts, phonorecords, film, tapes, disks, or cards, in which they are embodied.”
Works termed as “literature,” such as novels, poems, stories, essays, etc.

Written work like catalogs, reference books and databases are also applicable for copyright protection. On the Internet, this definition of literary work includes emails, blog posts, online forums posts, and even computer programs.

Musical Works

“Musical works" include the instrumental component of the work as well as any accompanying words. According to Section 115 of the Copyright Act, musical works should have “compulsory licensing” once they have been released to the public. These compulsory licenses allow any musician to perform or record their own version of a song without getting permission from the original songwriter.

Dramatic Works

Any work of action, with or without words or music that can be performed before an audience falls under the category of “Dramatic works.” Dramatic works include plays, screenplays, scripts, choreographic notation, choreographic shows and scenarios for a film (but not the film itself). Any work that is intended to be performed dramatically and has been recorded in some form is qualified for copyright protection. Copyright owners of dramatic works possess the right to reproduce, publish, publicly perform, communicate or adapt their works.

Artistic Works

Artistic work commonly includes pictorial, graphic and sculptural works. Artistic works are protected by various statutory rights pursuant to section 32 of the Copyright Act 1968. Some examples provided by this section include paintings and drawings, sculptures, crafts, architectural plans and buildings; and photographs; and maps and plans. Digital illustrations also fall under this category.

Motion Pictures and Other Audiovisual Works

"Audiovisual work," involves anything which combines both images (visual) and recorded sound (audio). The category of "audio-visual works" includes not just movies. Everything from movies to slideshows to video podcasts—anything that is meant to be visually presented (be it on a projector, TV or computer screen) that consists of recorded sound and images.

Sound Recordings

Sound recordings are defined by the Copyright Act as "works that result from the fixation of a series of musical, spoken, or other sounds, but not including the sounds accompanying a motion picture or other audio-visual work.”

Unlike musical works copyright, which protects the musical notes that make up a song, the actual recording of that performed notation is protected as a sound recording. That is, an actual recording of the song onto a physical medium (the CD, tape, mp3 file, etc.) is considered a sound recording. Sounds can also include speeches, sound effects, and audio books.

Architectural Works

The architectural work category protects the design of a building in architectural blueprints, architectural drawings, and even buildings themselves. In the case of architectural works, copyright can protect the work’s general form as well as the arrangement and composition of spaces and elements in the design. Buildings meet the general requirements for copyright protection if they are not just basically functional but have adequately original design.

If you are in need of a copyright lawyer, contact the offices of Paul & Paul for all of your intellectual property needs. Call toll-free at 866-975-7231 to receive a consultation today.

+++++ Disclaimer+++++ This press release is considered advertising and does not constitute any client-attorney privilege and does not offer any advice or opinion on any legal matter. This release was drafted by Results Driven Marketing, LLC, a digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA

Alex R. Sluzas, Esq.
Paul & Paul
2153938700
email us here


Source: EIN Presswire

Law Firm Marketing Expert Discusses Crafting a Consistent Content Marketing Plan and Strategy

Law Firm Marketing Agency

Content marketing has proven to be the most effective in helping firms gain new clients. Mary Ann Fasanella, law firm marketing guru, shares tips and insights.

Legal marketing is undoubtedly here to stay. It is not easy, but if done right, it can do wonders for your law firm by increasing exposure, expanding credibility, and attracting new clients.”

— Mary Ann Fasanella, CEO

PHILADELPHIA, PA, UNITED STATES, April 30, 2018 /EINPresswire.com/ — Advertising for legal services used to be illegal through the majority of the 20th century. Word-of-mouth promotions were the only method of marketing that legal counselors could practice. When law firm marketing was forbidden, the possibilities seemed endless. From yellow page ads to commercials and direct mail, legal marketing is currently riding the wave of the most significant kind of marketing prevalent today –Content marketing.

Although there are a number of opportunities that allow you to spread the word and increase your credibility, content marketing has proven to be the most effective in helping you gain new clients.

As of now, content is the core of any successful internet marketing strategy, specifically in the legal space. As a legal expert, people seek out your advice in times of legal disputes. Content produced by law firms can be a great way to educate the masses while showcasing your firm’s expertise.

Content creation is not easy. Law firms incorporate efforts not just from their legal teams, attorneys and staff members but also enlist assistance from marketing companies and writers in order to create effective content. Content marketing needs to be strategic in order to be successful. Here are a few points you need to remember to bring your content strategy to life.

Envision your goals

Before starting on a content strategy, you must have a thorough idea of your objectives. First, identify the focal point of the content – a specific topic or a varied number of related topics. Next, figure out who it will be aimed at – your target audience.

You can then chart out what you hope to achieve from this form of marketing – visibility, educating your users, increasing thought leadership. Finally, choose the kind of content you will focus on – blogs, social media content, e-books, infographics, webinars. You can choose multiple mediums as your platform.

Design a strategy

Starting to write content without a plan or purpose might not bring you the success you are hoping for. If you want to grow your practice, a strategy that is built towards thought leadership, as well as increasing credibility, is important. Well-produced content requires a lot of research. Figuring out your target audience and how to reach them is a crucial act. Your content can then be strategically placed where it is more likely to be discovered by your target audience. The content that you provide them should be useful for them which helps create a focused content marketing strategy.

A good content strategy is an essential part of any marketing policy. It is a perpetual work in progress that evolves through various iterations. Law firms should produce quality content that ensures that their brand has a cohesive voice.

Once the strategy is built it’s important to have a plan of execution for creating and distributing the content. Choose your team members carefully. A style guide is also quite a handy resource to have while creating a strategy. A style guide is a tool that helps to make sure that the content is maintained with the same set of standardized rules across all of the brand’s communications and platforms. A decent guide is not only effective in creating consistent communications, but it also provides a real representation of the firm’s beliefs, values, vision, and goals.

Generate, Personalize and Optimize

Generate ideas and topics to write about. Scour the internet, news and socially relevant issues for inspiration. Your content should provide value, educate, inform and keep users up to date, and is a great place to begin.

Personalize your content to make it your own. In a sea of law firms, what is it about your content that will make it stand out? How can you customize your firm’s content to be tailored to your audience? Identify a distinct style to bring maximum visibility to your content. Consistency is key. This also raises loyalty and trust among prospective clients.

Optimize your content to increase traffic to your site. Search engines play a vital role in delivering relevant, targeted traffic to your site. By incorporating a few relevant target keywords or even closely related phrases throughout your text. But don’t go overboard. You should always remember to write for people, not for search engines.

Keep in mind who you are writing for and how to best appeal to that target audience. At the end of the day, content that is of interest to people will get shared, linked and increase your following.

Legal marketing is undoubtedly here to stay. It is not easy, but if done right, it can do wonders for your law firm by increasing exposure, expanding credibility, and attracting new clients. Advisory Concept Evolvers can help you if you’re looking for ways to increase the reach of your legal services! Contact us today at 215-510-2167 for a free phone consultation.

Mary Ann Fasanella, CEO
Advisory Concept Evolvers
215-510-2167
email us here


Source: EIN Presswire

Pennsylvania Medical Bankruptcy Lawyer: When to File for Bankruptcy Due to Medical Debt

Philadelphia Consumer Bankruptcy Attorneys

Cibik & Cataldo

With a bankruptcy, there are debts that take priority over others and cannot be discharged. There are many reasons you are able to file due to any medical debt.

If you don’t have health care, the costs for care are astronomical. If 25% or more of your income is going toward medical bills, you might want to consider filing for medical bankruptcy.”

— Michael A. Cibik, Partner

PHILADELPHIA, PA, UNITED STATES, April 30, 2018 /EINPresswire.com/ — Pennsylvania Medical Bankruptcy: When to File Due to Medical Debt

No one plans to get sick or get into a debilitating accident. We pay exorbitant amounts for health insurance for such events. Depending on the health plan you have, it might only cover a fraction of the medical expenses one incurs. If you don’t have health care, the costs for care are astronomical.

There will also be other costs, such as gas for going to the doctor’s, treatment centers and hospital. And if a spouse must take time off from work, it becomes unpaid leave after a certain number of weeks or may have to quit his or her job (or to take care of a family member), reducing the family income by as much as half. It’s not uncommon to hear of fundraisers for those stricken with an illness, which helps but is usually not enough to make a dent.

If 25% or more of your income is going toward medical bills, you might want to consider filing for medical bankruptcy. This type of bankruptcy is no different than filing or a Chapter 7 or Chapter 13 bankruptcy. With a bankruptcy, some debts take priority over others and cannot be discharged.

The debts that take priority are ones that are secured (collateral is put up as payment) and cannot be wiped (discharged). These debts include child support, alimony, and student loans. Medical bankruptcy is considered a non-priority, unsecured debt meaning it can be wiped without having collateral. The only catch is that you must be eligible for Chapter 7 (personal bankruptcy).

In earlier blogs, we discussed the requirements for Chapter 7 and Chapter 13 bankruptcies. With a Chapter 7, you must pass the means test and have little to no assets. There is no limit/cap on the amount of debt you can discharge. And with a Chapter 13, you must earn above the median Pennsylvania income and have assets. You’ll be put on a payment plan set up by the IRS too. Once you make all the payments, the rest of the debt will be wiped away. However, just like being eligible for a Chapter 7 bankruptcy, there is a catch for a Chapter 13. The catch is that there is a debt limit. Chapter 13 is for those who have less than $394,725 total in unsecured debts. Also, they must have less than $1,184,200 in secured debt.

When Medical Bankruptcy is the Solution

There are other options to pay medical bills:

-Negotiate with the medical provider on a settlement. If a collections agency is contacting you, you can negotiate with them as well.
-Ask the billing department if you can set up a payment plan.
-Ask your doctor’s office or hospital if there is an assistance program. Many times, there is a local charity that can help offset costs.

If these options do not provide the permanent relief you need, then medical bankruptcy is the solution. At Cibik & Cataldo, we know that bankruptcy is not what you want. You’re afraid of what people may think of you for taking this route. Believe us; it is not an easy route to take because it involves a deep look into your finances and having you gather the paperwork, such as creating an itemized list of your expenses and financial transactions from the past two years.

There are millions of people who are in a similar situation and have filed for bankruptcy. You’re also afraid that declaring bankruptcy, whether for medical bills or not, will hurt your credit score. Yes, it will hurt your credit score, but so will late and missed payments on your credits cards because you paid your medical bills with them, and maybe even maxed them out in the process.

Discharging Only Medical Debts

Some believe that you can discharge only medical debts in bankruptcy. This is not true. When you declare bankruptcy, you must put all of your outstanding debts on it, secured and unsecured. However, this is a good thing because it simplifies your finances and the bankruptcy process. This will give you an absolute fresh start. It will relieve a large burden so you can focus on getting better (or focus on your loved one who is ill) and get back on track financially. You’ll also be able to concentrate on getting a new job if you had to quit your old job due to the medical situation.

If you think you will endure future medical bills, such as another round of chemotherapy, then you should wait to file for bankruptcy since you can only file for Chapter 7 bankruptcy every eight years. If you have been discharged from a Chapter 7 bankruptcy and need to file a Chapter 13 bankruptcy, you’ll only have to wait four years. However, if you never received a discharge from the bankruptcy, no matter the bankruptcy type, then you don’t have to abide by the time limits.

Medical Bills By Default

Some are forced to declare a medical (Chapter 7) bankruptcy. If you are divorced and your ex files a Chapter 7 because of medical bills, you can be included in the bankruptcy if you co-signed on a loan(s). Even though are you are able to pay your own bills, you cannot pay the outstanding debt too. Thus, filing for bankruptcy is the best solution.

We must warn you about consolidating your debt with a consumer credit counseling service. The creditors may make a payment plan with you and you think that’s it. However, this agreement is not set in stone. The creditors can come back and try to get the rest of the money at a later date, in which you end up filing bankruptcy. This is why it is vital to contact a bankruptcy lawyer if you are thinking about using one of these consumer credit services or filing bankruptcy. Talking to an experienced bankruptcy lawyer can prevent additional interest charged by a creditor and protect your home from foreclosure. You’ll also get bankruptcy facts and what is involved with filing.

Don’t Face Bankruptcy Alone

When you need solid bankruptcy advice, turn to Cibik & Cataldo, the Philadelphia bankruptcy attorneys. For over 40 years, we have helped tens of thousands of people like you get the bankruptcy information they need to make an educated decision on whether or not to file for bankruptcy and which type of bankruptcy is best for their particular needs.

We are ABC certified, so you can trust we know the United States Bankruptcy Code inside and out. We stay on top of the latest code changes to give our clients the best counsel and our fee is cost-efficient. Contact us today or call (215) 735-1060 to set up your free consultation!

+++++ Disclaimer+++++ This press release is considered advertising and does not constitute any client-attorney privilege and does not offer any advice or opinion on any legal matter. This release was drafted by Results Driven Marketing, LLC, a digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA

Michael A. Cibik, Partner
Cibik & Cataldo
2156003540
email us here


Source: EIN Presswire

BHG Fit, Andro SARMs should be added to Enhanced Athlete lawsuits

Newly created SARMs outlets are the same people selling the same products as Enhanced Athlete, according to court filing

LOS ANGELES, CA, USA, April 30, 2018 /EINPresswire.com/ — A federal judge has been asked for two newly-created companies selling a class of synthetic steroids to be added to a false advertising lawsuit against supplement company Enhanced Athlete.

The two companies, BHG Fit and AndroSARMs, are operated by the same defendants behind Enhanced Athlete, according to court documents filed April 26 in U.S. District Court in Sacramento.

Enhanced Athlete announced in an April 20 press release that it would no longer be selling SARMs, but on the same day announced through marketing channels that it would be starting AndroSARMs, which sells the very same products as Enhanced Athlete, and uses the same trademarks and trade dress as Enhanced Athlete, according to the motion.

“AndroSARMs is described by the Enhanced Athlete marketing apparatus as being ‘the exact same people, the exact same products’ and stating that ‘all flow has been directed to AndroSARMs,’” the motion states, adding that Enhanced Athlete also sends customers to purchase SARMs through BHG Fit under similar circumstances.

Enhanced Athlete has been the subject of public scrutiny since rival supplement company Nutrition Distribution, of Phoenix, filed lawsuits last year.

On April 16 a federal judge ordered attorneys defending Enhanced Athlete to produce founder and spokesman Anthony Hughes (aka “Dr. Tony Huge”) for deposition in the United States. Hughes, who has been alleged to promote SARMs and DNP, left the county in 2017 after the lawsuits were filed and has not returned to the United States since.

Enhanced Athlete’s United Kingdom branch was raided by food safety investigators who seized a large amount of DNP, a pesticide and herbicide sold for weight loss which has killed several people in the U.K. according to The Guardian.

The FDA raided Enhanced Athlete’s Sacramento operations and CEO Scott Cavell’s home on Dec. 6, seizing SARMs, experimental drugs developed by pharmaceutical companies to combat muscle and bone atrophy associated with degenerative diseases, but marketed and sold to bodybuilders to gain muscle. YouTube terminated Enhanced Athlete’s YouTube marketing and promotion channel on Dec. 22 for violating community standards.
Cavell was arrested Feb. 6 for violating terms of his parole following federal incarceration for his role in running a multimillion-dollar mortgage fraud scheme several years ago.

“Greedy and stupid is no way to go through life,” said Robert Tauler, counsel for Nutrition Distribution. “Someone has to help these guys. If their civil lawyers Rutan & Tucker are incapable, then the government must step in with full force and put an end to Enhanced Athlete’s brazen criminal enterprise.

Robert Tauler is an expert in false advertising and commercial litigation who represents many top-tier natural supplement companies. Tauler Smith LLP, of Los Angeles, represents both plaintiffs and defendants in commercial litigation, including false advertising, business disputes, and unfair competition.

Robert Tauler
Tauler Smith LLP
310-590-3927
email us here


Source: EIN Presswire

Federal Judge Sheri Polster Chappell Cites Case Law and Grants Crime Victim’s Motion in Howe vs Enterprise Holdings

Verizon VTEXT David Howe

Initial ‘wear and tear’ used to create claim against victim. After victim terminated the rental, the car was subsequently damaged to create a legitimate claim. Money demands followed the mystery damage.

Subpoena Commanding Defendant and Tortfeasor Enterprise Holdings to Produce Surveillance (Photo: Business Wire)

Subpoena Commanding Defendant and Tortfeasor Enterprise Holdings to Produce Surveillance

David Howe FICO GOAT SubscriberWise

David Howe, global Credit Czar and FICO worldwide all-star greatest all-time highest achieving champion MVP

Honorable Sheri Polster Chappell Directs Clerk in the U.S. District Court for the Florida Middle District enabling a measure of due process for victim

Today I acknowledge the Honorable Judge Sheri Polster Chappell and thank her for accepting the voluntary plea to dismiss without prejudice”

— David Howe, National Car Rental victim and USA child identity guardian

FORT MYERS, FL, UNITED STATES OF AMERICA, April 30, 2018 /EINPresswire.com/ — SubscriberWise, the nation’s largest issuing CRA for the communications industry and the leading protector of children victimized by identity fraud, announced today the favorable civil disposition from Federal Judge Sheri Polster Chappell in the United States District Court for the Florida Middle District.

The ruling was signed on April 19, 2018, and reads as follows:

Endorsed Order GRANTING Plaintiff David Edward Howe's Voluntary Motion to Dismiss Case Without Prejudice. (Doc. [6]). Federal Rule of Civil Procedure 41(a)(1)(A)(i) allows a plaintiff to dismiss an action voluntarily before the opposing party serves an answer or files a motion for summary judgment. This dismissal is effective upon filing and requires no further action by the Court. See Anago Franchising, Inc. v. Shaz, LLC, 677 F.3d 1272, 1278 (11th Cir. 2012). Accordingly, in compliance with Rule 41(a), this action is DISMISSED without prejudice.

The Clerk is DIRECTED to enter judgment accordingly, terminate all pending motions and deadlines, and close the file. Signed by Judge Sheri Polster Chappell on 4/19/2018. (CMC)

“Although it was an unassuming and straightforward pleading (Case: 2:18-cv-00218-SPC-MRM), the possibility that the federal civil fraud and theft case filed against Enterprise Holdings may have been dismissed with prejudice would have been a dream come true for the corporate tortfeasor,” acknowledged David Howe, America’s child identity guardian and National Car Rental crime victim. “In other words, a dismissal with prejudice could have permanently barred the case from being heard in a civil justice system anywhere in this nation.”

Related: https://www.businesswire.com/news/home/20180406005608/en/Civic-Ethical-Duty-Pursuit-Equity-America%E2%80%99s-Child

Related: https://www.businesswire.com/news/home/20171129006330/en/Enterprise-Retaliates-Crime-Victim-SubscriberWise-Founder-Acknowledges

“Of course, denying victims access to public courtrooms — and their commensurate jury verdicts — is exactly the goal of the one-sided and harmful arbitration clauses,” Howe asserted.

“Therefore, after a methodical review of the predatory rental terms — including audio evidence (https://soundcloud.com/user-370781554/howe-damage-recovery-unit-cannot-sue-no-due-process) connected to the fraud and civil theft — as well as on the legal advice proffered by a concerned federal trial attorney with expertise in these matters, the decision was made to file a pleading to dismiss without prejudice.

“And thankfully, the Judge granted the pleading without delay. The case was dismissed without prejudice, leaving the door open for some small measure of due process – albeit inadequate and unfair for the victim.

Related: https://www.businesswire.com/news/home/20180427006063/en/Lee-County-Issues-Subpoena-Commanding-Defendant-Enterprise

“Today I acknowledge the Honorable Judge Sheri Polster Chappell and thank her for accepting the voluntary plea to dismiss without prejudice,” emphasized Howe. “I also sincerely appreciate the speed at which the court responded to the pleading.

“While justice is expensive and routinely delayed, it should never be denied because of predatory and unfair arbitration clauses that markedly disadvantage victims everywhere,” concluded Howe.

Related: https://www.businesswire.com/news/home/20180428005028/en/Child-ID-Guardian-Howe-Congress-Enterprise-Car

About SubscriberWise

By incorporating years of communications performance data and decision models, including FICO's latest analytic technology (FICO 9 Score), SubscriberWise® delivers unprecedented predictive power with a fully compliant, score driven decision management system. SubscriberWise is a risk management preferred-solutions provider for the National Cable Television Cooperative (www.nctconline.org). The NCTC helps nearly 1000 members nationwide.

SubscriberWise is a U.S.A. federally registered trademark of the SubscriberWise Limited Liability Co.

Contacts
SubscriberWise
David Howe, 888-596-1119 x137

Media Relations
SubscriberWise
330-880-4848 x137
email us here

Like all others who have been asked…National manager implicates Enterprise Holdings with reaction, honesty, and common sense


Source: EIN Presswire

Colorado Mesothelioma Victims Center Now Urges Diagnosed Electrical Worker with Mesothelioma in Colorado For Instant Access to the Nation's Top Lawyers for a Much Better Financial Settlement

An electrician or electrical worker with mesothelioma in Colorado could receive more than a million dollars in financial compensation as the group would like to discuss anytime at 800-714-0303”

— Colorado Mesothelioma Victims Center

NEW YORK, NEW YORK, USA, April 30, 2018 /EINPresswire.com/ — The Colorado Mesothelioma Victims Center is dedicated to making certain an electrician or electrical worker with mesothelioma in Colorado receives the very best possible financial compensation settlement. From a potential financial compensation standpoint, an electrician or electrical worker with mesothelioma in Colorado could receive more than a million dollars in financial compensation as the group would like to discuss anytime at 800-714-0303. The catch is the electrician or electrical worker must be represented by some of the nation's most capable mesothelioma lawyers as they would like to explain. http://Colorado.MesotheliomaVictimsCenter.Com

When the Colorado Mesothelioma Victims Center mentions electricians or electrical workers they are referring to:

* Commercial or Residential Electricians
* Electrical Workers for Public Utilities or Power Plants
* Electricians for Manufacturing Plants
* Electricians Who Worked for the US Air Force or US Army

The Colorado Mesothelioma Victims Center says, "If you are an electrician or electrical worker with mesothelioma in Colorado please call us anytime at 800-714-0303 to ensure you retain the services of one of the nation's most skilled mesothelioma attorneys who specializes in assisting skilled trades workers get the best possible financial compensation. Please don't hire a lawyer/law firm before first talking to us." http://Colorado.MesotheliomaVictimsCenter.Com

The Colorado Mesothelioma Victims Center wants to emphasize theirs is a statewide initiative available to a diagnosed anywhere in Colorado including communities such as Denver, Colorado Springs, Golden Leadville, Brighton, Durango, or Parker.

For the best possible mesothelioma treatment options in Colorado the Colorado Mesothelioma Victims Center strongly recommends the following heath care facility with the offer to help a diagnosed victim, or their family get to the right physicians at this hospital: The University of Colorado Cancer Center for diagnosed victims in the Centennial State or the victim’s family:http://www.ucdenver.edu/academics/colleges/medicalschool/centers/cancercenter/Pages/CancerCenter.aspx.

High-risk work groups for exposure to asbestos in Colorado include US Navy Veterans, power plant workers, oil refinery workers, miners, manufacturing workers, plumbers, electricians, auto mechanics, machinists, or construction workers. In most instances, these types of workers were exposed to asbestos in the 1950’s, 1960’s, 1970’s, or 1980’s.

The states indicated with the highest incidence of mesothelioma include Maine, Massachusetts, Connecticut, Maryland, New Jersey, Pennsylvania, Ohio, West Virginia, Virginia, Michigan, Illinois, Minnesota, Louisiana, Washington, and Oregon. However, mesothelioma does happen in Colorado.

However, based on the calls the Mesothelioma Victims Center receives a diagnosed victim of mesothelioma could live in any state including Colorado. http://Colorado.MesotheliomaVictimsCenter.Com

For more information about mesothelioma please refer to the National Institutes of Health’s web site related to this rare form of cancer: https://www.cancer.gov/types/mesothelioma.

Michael Thomas
Colorado Mesothelioma Victims Center
800-714-0303
email us here


Source: EIN Presswire

Enterprise Agent Proudly and Systematically Reiterates Arbitration Clause Denying Due Process in USA Courts of Law

Subpoena Commanding Defendant and Tortfeasor Enterprise Holdings to Produce Surveillance (Photo: Business Wire)

Subpoena Commanding Defendant and Tortfeasor Enterprise Holdings to Produce Surveillance

FICO Pro Global Credit Czar and Child Protector David Howe of SubscriberWise

Global Credit Czar and Child Protector David Howe

Victim reluctantly dismisses federal lawsuit after reviewing audio evidence, obtaining one-sided rental terms, and on pro bono advice from federal trial expert

It’s a blow to justice and it’s a sad indictment that in the United States of America lawmakers have allowed forced arbitration clauses to be inconspicuously inserted into agreements…”

— David Howe, US Credit Czar and America's child identity guardian

ST. LOUIS, MISSOURI, UNITED STATES OF AMERICA, April 28, 2018 /EINPresswire.com/ — SubscriberWise (https://www.subscriberwise.com), the nation’s largest issuing CRA for the communications industry and the leading protector of children victimized by identity fraud, announced today the comprehensive and outrageous predatory tactics used by the USA car rental industry, and others, to ensure bad acts and bad behavior proliferate with impunity, and outside of the public’s view and scrutiny.

Listen to Enterprise agent eagerly announce the company’s arbitration policy designed to keep consumers far away from open court dockets and jury trials: https://soundcloud.com/user-370781554/howe-damage-recovery-unit-cannot-sue-no-due-process

Related: Lee County Issues Subpoena Commanding Defendant Enterprise Holdings to Produce Surveillance for Inspection and Copy by Plaintiff and U.S. Credit Czar David Howe, SubscriberWise Confirms: https://www.businesswire.com/news/home/20180427006063/en/Lee-County-Issues-Subpoena-Commanding-Defendant-Enterprise

“It’s a blow to justice and it’s a sad indictment that in the United States of America lawmakers have allowed forced arbitration clauses to be inconspicuously inserted into agreements that honest and innocent consumers engage in millions of times each day in this nation,” proclaimed David Howe, SubscriberWise founder and national child identity guardian. “Under no circumstance – none at all – should a victim who has been harmed by fraud, negligence, or any other civil or criminal wrong be denied due process in a court of law and by a jury of their peers."

“But that’s exactly what the USA car rental industry, along with myriads of other companies with substantial consumer complaints, is banking on – literally and figuratively – to continue lining their pockets with ill-gotten revenue from citizens and visitors who become prey to their shameful and greedy business practices," Howe asserted.

Related: https://www.bloomberg.com/news/articles/2017-07-21/why-financial-firms-want-to-keep-you-out-of-court-quicktake-q-a

“And according to the National Association of Consumer Advocates, forced arbitration is preferred by companies because it benefits companies – not the employee or consumer,” continued Howe. Here are problems and dangers noted by consumer advocates:

* Individuals are often unaware they've agreed to forced arbitration. Most Americans have accepted goods or services or a job with forced arbitration as a condition; and yet, very few individuals report having noticed a forced arbitration clause in the terms of agreements or contracts they’ve accepted.

* Forced arbitration severely limits consumer options for resolving a dispute. Before any problem arises, you lock yourself into only one option—forced arbitration—for resolving all future disputes or problems. The contract typically also names the arbitration company that must be used – the one preferred by the company.

* Forced arbitration clauses generally bind the consumer—not the company. The way many forced arbitration clauses are written, the seller retains its rights to take any complaint to court while the consumer can only initiate arbitration.

* Arbitration is a private system without a judge, jury, or a right to an appeal. Arbitrators aren't required to take the law and legal precedent into account in making their decisions. There is no appeal or public review of decisions to ensure the arbitrator got it right.

* Employees cannot sue for discrimination, harassment, abuse, retaliation, or wrongful termination. In forced arbitration, the laws that protect us from discrimination based on age, sex, religion, race, disability, and unequal pay for equal work, such as the Civil Rights Act and the Equal Pay Act, become meaningless and unenforceable in court. Employees lose important protections for blowing the whistle on waste or fraud or for fighting retaliation for taking the family medical leave.

* Consumers cannot sue for negligence, defective products, or scams. Just by buying a product or service, consumers can lose their right to hold a company accountable. Even if a retirement account disappears, a home is dangerous and defective, or a loved one suffers harm in a nursing home, a forced arbitration clause means there is no right to take the company responsible to court.

Related: See the ‘wear and tear’ used to initially implicate Howe: https://www.businesswire.com/news/home/20161212006296/en/U.S.-Credit-Czar-SubscriberWise-Founder-David-Howe

“Yes, it’s time for lawmakers to ban forced arbitration through legislation that will protect the rights of individuals. It’s time to give citizens their constitutional right to due process of law without restricting access to civil and jury-trial litigation involving the public and with open dockets,” Howe concluded.

About SubscriberWise

By incorporating years of communications performance data and decision models, including FICO's latest analytic technology (FICO 9 Score), SubscriberWise® delivers unprecedented predictive power with a fully compliant, score driven decision management system. SubscriberWise is a risk management preferred-solutions provider for the National Cable Television Cooperative (www.nctconline.org). The NCTC helps nearly 1000 members nationwide.

SubscriberWise is a U.S.A. federally registered trademark of the SubscriberWise Limited Liability Co.

Contacts
SubscriberWise
David Howe, 888-596-1119 x137

Media Relations
SubscriberWise
330-880-4848 x137
email us here

Why Report Fraud? | Federal Trade Commission


Source: EIN Presswire

Billing Buddies ® Accepted by iTunes

“Buddy Up with The Best” Est. 1994 ®

Billing Buddies® Releases YouTube Videos and PodBean Podcasts

MINNEAPOLIS, MINNESOTA, UNITED STATES, April 28, 2018 /EINPresswire.com/ — Billing Buddies ® is pleased to announce that our podcasts can now be heard on iTunes. Billing Buddies ® is a medical billing and training service that enjoys optimizing and expediting our providers' reimbursement so they are better able to serve their clients. If you are looking for a medical billing or training service, please email bonnie@billingbuddies.com or call/text 612.432.2366.
Our Podcasts can be heard at iTunes or viewed at https://billingbuddies.podbean.com/ or you can view videos on YouTube by searching for Billing Buddies. Please subscribe and like our podcasts and videos.

Bonnie J. Flom, CMRS
Billing Buddies
6124322366
email us here

Billing Buddies ® – Professional Medical Billing and Training Services


Source: EIN Presswire