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The Importance of Legal Insurance

Why is it when it comes to insurance, many people do not think that legal insurance is a priority. No one gives it a second thought to spend loads of money on medical, car or auto insurance. But, the minute that you tell them about the importance of legal insurance, most people will give plenty of reasons for why they cannot afford it. Sure, everyone needs medical insurance because you never know when you will fall sick or if an emergency will arise. Or, no one wants to pass away without making sure that their loved ones are taken care of. Obviously, no one wants to drive a vehicle without making sure that it is protected during an accident.

It is true. Auto, medical and life insurance are all very important. But, you should not rule out legal insurance and assume that it is not important. You could fall into a legal situation requires you to dish out a lot of money. You never know when you are going to be sued or be held liable for something that you don’t agree with. Also, you never know when you will have to go after someone who doesn’t want to hold up his end of an agreement. Legal insurance can help you during these tough times.

Think about some of the reasons that you may need legal representation. You don’t have to commit a major crime in order to need legal representation. It could be something minor that happens in your life. For example, what happens if a friend slips on your property and incurs medical expenses? What happens if you get a traffic ticket? Who will handle the legal paperwork if you adopt a child? How are you going to get a scrupulous vendor to honor a warranty for a product that no longer works? Is there a legal way that you can get out of your apartment lease? Do you need your lawyer during your upcoming audit? As you can see these are all common things that happen in everyday life. No, you haven’t committed any major crimes. However, you do need legal representation.

Legal insurance is there to protect you, if you should ever need to pay for legal expenses. It can be used if someone begins legal proceedings against you. Also, you can use it if you want to begin legal proceedings against someone else. Instead of having to pay for your legal expenses all at one time, you can pay monthly insurance premiums for a specified amount of legal services. This means that you will have access to a lawyer or legal representation to get you out of hot water. Many times you won’t need to actually go to court. You just need to know your legal rights and what you are entitled to or liable for. A lot of times, all it takes is a simple phone call to get the information that you need.

In conclusion, legal insurance is a cost saver that can help with legal expenses if you should ever need it. There are even plans that are as low as twenty dollars a month. Get great legal counsel for a low price and gain peace of mind all at the same time.

Is It Legal to Copycat Restaurant Recipes?

There’s a proliferation of books, both printed and electronic (downloadable from the Web), that purport to tell you how to copy your favorite dishes from your favorite restaurants. Some of these are better than others, but they all raise the question: Is it legal to “copycat” recipes in this way?

These days, with the music industry going after people who use file-sharing services to illegally post songs for others to copy, and with prominent anti-copying warnings from the FBI stuck on every movie DVD we rent or purchase, it’s a natural question. People wonder if they are breaking some law by cloning a restaurant’s most famous recipe–whether it’s by passing around the instructions or by actually cooking and serving it to friends.

Mind you, I’m no lawyer. But I’ve talked to a couple of lawyer friends as well as to a number of restaurant managers. The bottom line is this: If you cook up your favorite steak or lobster dish (or whatever) copied from Big Name Restaurant–even if it’s an exact duplicate–you need not worry that a SWAT team is going to break down your door and haul you away. Nor will an army of lawyers be descending on your kitchen.

Now, if you decide to open your own restaurant with dishes copied from well-known chain restaurants, and if you are so un-subtle as to give them the same names as the originals, you might have trouble on your hands! Short of this unlikely scenario, you’re probably safe. But we’re not talking here about going into business with other people’s recipes, are we? (If you’re contemplating anything along that line, then you really must consult an attorney.)

Cooking for friends can be fun. It can be more fun if you serve them dishes that are exactly like ones from their favorite restaurant. If that’s your intention, and you’re doing it in a private setting, you can set your mind at ease about the law. The only question then becomes, what dish do I want to clone, and where can I get a genuine recipe?

Legal Ways to Remove a Judgment From Credit Report

A credit report with a judgment is just like a sweet dish with a bitter gourd. In the current era, majority of people are not self-reliant and they need finances to live a live which can fulfill their family needs. A person’s goodwill in terms of finance is judged by his credit score that actually means that how much a lender can rely on him for the reimbursement of money paid. Credit score acts as an evaluator that helps financial institutions to set on limit on a credit in order to make certain that the person is going to pay back the money in the near future.

Despite of earnest efforts, people sometimes fail to pay back the debt and therefore they are reported to credit bureaus. This results in credit report judgment that means that no one will be helping you manage your finances anymore. People have no right to blame a person who is itself caught into it – no one really wants to get involved in all this mess. Also future is uncertain and anything can happen with anyone.

There are certain legal ways to remove a judgment from a credit score report. First of all, you need to do some research and homework before actually getting started. This will require you to find a reliable and reputable law firm to take your case and help you removing a judgment off your credit report. Almost every law firm specializing in credit repair have set patterns which they follow to help clients in order to remove a judgment from credit report. Do not forget to sign an agreement in the beginning that will aid you a lot while stepping forward with your credit repair case.

With the purpose of removing a judgment from your credit score report, you need to check the “the Statute of Limitations on a Judgment” laws in your state. You can get these details from the law firm or just visit state website where all legal details pertaining to different cases are usually available. All you need is to check if the debt on your credit report has exceeded the number of days mentioned in your state law books for SOL. Your second step should be to write a letter to all three credit bureaus (Experian, Transition & Equifax) requesting them to delete a judgment from the credit report since it is lawfully applicable but is not against the Statute of Limitations as per the law.