LeBaron y Jensen Sostiene a los Proveedores de Seguros Responsables

Las reclamaciones de seguros son más a menudo increíblemente enrevesadas, por lo que es casi imposible navegar por el sistema sin representación legal. Después de un accidente, las víctimas y sus familias a menudo pueden enfrentar serias dificultades financieras en la cima de la lucha por recuperarse y reconstruir sus vidas. LeBaron & Jensen está aquí para ayudar.

En LeBaron & Jensen, nuestros abogados y personal de asistentes legales tienen décadas de experiencia combinada representando a las víctimas y negociando con los proveedores de seguros en su nombre para obtener acuerdos justos. Nuestra capacidad para asegurar una compensación
justa para nuestros clientes va más allá de nuestra habilidad y dedicación por sí sola, ya que la representación legal se paga por sí misma cuando se trata con proveedores de seguros. Es decir, que los estudios de la industria han demostrado que los reclamantes con representación legal obtienen acuerdos 3.5 veces los que se dan a los reclamantes sin. En resumen, obtener representación legal es la mejor manera de evitar ser víctima de mala fe del seguro y asegurarse de obtener la compensación que se merece. Podemos revisar su caso GRATIS para establecer representación y proteger sus intereses o para determinar si ya ha sido víctima de su proveedor de
seguros actuando de mala fe en relación con su reclamo. Hacemos que los proveedores sean responsables de sus promesas a usted como el asegurado.

¿Qué es la mala fe?

Los proveedores de seguros trabajan para proteger sus intereses y, por lo tanto, los de sus accionistas. Como resultado, los proveedores de seguros trabajarán para pagar la menor compensación financiera posible a sus asegurados cuando se presente una reclamación. Si su proveedor de seguros actúa de manera irrazonable o beligerante, usted puede tener derecho a daños punitivos adicionales si su caso progresa a los tribunales. Esta “mala fe” puede incluir:

• Retrasos excesivos en el procesamiento de reclamaciones
• Investigación mal ejecutada o inadecuada
• Negarse a defender su demanda
• Amenazar al asegurado(s)
• Ofertas de liquidación irrazonables, o negativa a ofrecer una compensación razonable
• Ejecución irrazonable o interpretación de políticas.

Qué hacer si cree que su proveedor de seguros está actuando de mala fe

Si cree que su proveedor de seguros ha actuado de mala fe al revisar y negociar su reclamo es importante obtener una representación legal con experiencia tan pronto como sea posible. Mientras que los proveedores de seguros quieren pagar lo menos posible, también quieren evitar litigios costosos. Retener a un abogado calificado de lesiones personales demuestra que, si es necesario, el reclamante y su abogado están dispuestos a luchar por una compensación justa. Dicho esto, el 99% de las reclamaciones por lesiones personales se resuelven fuera de la corte cuando un abogado de accidentes está involucrado. Por lo tanto, recuerde, si su proveedor de seguros parece estar actuando de mala fe:

• No proporcione declaraciones detalladas o admisiones de culpa por su accidente
• No aceptar ofertas de liquidación irrazonables o inequitables
• Póngase en contacto con un abogado para obtener el acuerdo que se merece

¿Por qué necesita un abogado?

Navegar con éxito un reclamo de lesiones personales y obtener un acuerdo justo cuando se recupera de lesiones y reconstruir su vida es casi imposible. Además, participar en cualquier negociación cuando un proveedor de seguros está actuando de mala fe complica aún más un proceso extremadamente complejo. En LeBaron & Jensen, lo entendemos. Hemos representado a las víctimas y sus familias en todo el Frente Wasatch durante décadas y hemos visto los trucos y tácticas que los proveedores de seguros utilizan para pagar lo menos posible. Vamos a asumir el estrés de la negociación para que pueda centrarse en navegar por el camino hacia la recuperación y no en el laberinto de seguros de lesiones personales que impide que casi el 20% de las víctimas de accidentes presenten una reclamación.

Contáctenos para programar una evaluación de casos hoy mismo

En LeBaron & Jensen es nuestro compromiso y pasión actuar en su nombre para que pueda enfocar en su recuperación. Si tiene más preguntas o desea comenzar su evaluación gratuita de casos sin compromiso, llame a nuestra oficina al (801) 773-9488. Nuestros abogados tienen experiencia en las negociaciones de navegación con su proveedor de seguros y se dedican a obtener la compensación máxima que se merece.

The use of your vehicle is likely an incredibly important part of your life. It provides you with transportation to get to work and make a living. It is very likely that you rely heavily on your vehicle to complete your regular operations, whether you need it to run errands or get to work. It can be devastating and incredibly disruptive to your life when you suddenly lose your vehicle and have to scramble to find another way to get to work. Due to the importance of your vehicle in your life, it is important to understand how a bankruptcy will impact the possession of your vehicle. This will help you to make the best possible decision for your specific situation.

Whenever you have any questions regarding filing for bankruptcy, you should consult with a bankruptcy lawyer, like our professional team at LeBaron & Jensen. This will help to ensure that you have all of the information that you need when you consider the bankruptcy process. This consultation can also help you to understand what debts are dischargeable through bankruptcy, as well as who is eligible. This can also help you to understand the distribution of other assets. Bankruptcy can be an incredibly complex process, so it is important to ensure that you obtain the guidance of an experienced professional.   

Various Bankruptcy Types

Ultimately, the ability to keep your vehicle will depend primarily on the type of bankruptcy that you file for. In general, individuals usually only file for either a chapter 7 or chapter 13 bankruptcy. Each bankruptcy has an array of considerations and will impact your life in different ways. Understanding the ins and outs of each bankruptcy type can ensure that you make the ideal decision for your specific situation. If you are unsure which bankruptcy will be best for you, it is crucial to consult with an expert. It tends to be easier to keep your vehicle in a chapter 13 bankruptcy than a chapter 7 bankruptcy, though there are still a few ways in which you may be able to keep your vehicle after filing for a chapter 7 bankruptcy.

Chapter 7 Bankruptcy

During a chapter 7 bankruptcy, most debts are discharged in exchange for the individual giving up their nonexempt property. The nonexempt property is sold by the bankruptcy trustee, and the funds are used in order to repay the debts that the filing individual has. Any remaining debt is typically discharged after the property has been sold. Due to the way a chapter 7 bankruptcy works, it may be necessary for the individual to surrender their car. However, this depends on the specific vehicle exemption laws present in the state.

Car Exemption Amount

Every state allows an exemption amount for certain kinds of property. This allows an individual to keep this certain type of property up to a certain monetary limit. The total amount will vary between states. It may be as little as $500 for a vehicle exemption or several thousand dollars for the vehicle exemption. Whether your car will count as an exempt possession will depend on its value in relation to the vehicle exemption amount in your state. If your vehicle is worth far more than the exempt amount, it is likely that you will be required to surrender your vehicle. In this situation, the car will be sold, and you will receive the exempt portion of the profits. The rest of the money from the sale will be distributed in order to repay other debts.

Current on Car Payments

During a chapter 7 bankruptcy, you will have to be current on car payments in order to keep your car as an exempt property. If you are behind on your car payments, it is very likely that you will lose the car. There are a few ways that you may be able to prevent this from happening. You will need to take care of the arrearage and ensure that your car payment is completely up to date. After this point, there are two possible options that may allow you to keep your vehicle. You may be able to “redeem the property” which essentially means paying the full value of the property in order to keep it. This will involve repaying all of the debt related to the vehicle, which is often difficult, especially for someone currently going through a bankruptcy.

The other option for keeping a car that you still owe money on with a chapter 7 bankruptcy is by “reaffirming the debt.” During this process, you will be required to sign for a new repayment plan with the seller. This can help to provide a new arrangement that will work for both parties. This is largely based on what will be agreeable to the seller. In most situations, the seller will want the full amount of the loan, so they will likely work with you regarding the reaffirmation of the debt.

Chapter 13 Bankruptcy

It is easier to keep your vehicle during a chapter 13 bankruptcy. This is due to the way that chapter 13 bankruptcies work. These bankruptcies allow you to keep your property and pay back your debts. Your debts are paid either in full or through a designated repayment plan. You must stay current on your car payments in order to keep your car throughout this process. Chapter 13 bankruptcies tend to be the least disruptive to your life, because they consolidate debts and allow you to keep your property.

It is incredibly important to ensure that you understand the impact that a bankruptcy will have on your life. It will result in a substantial impact on your credit and ability to obtain loans for several years following the bankruptcy. Consulting with a bankruptcy lawyer can help to ensure that you remain protected throughout the bankruptcy process and can obtain the best possible outcome. To learn more about obtaining the appropriate legal guidance to help with your bankruptcy process, contact our experts at LeBaron & Jensen today!

Understanding who can file for bankruptcy can go a long way toward informing you of your options when you have financial issues. It is important to keep in mind that bankruptcy should really be turned to as an absolute last resort for getting out of debt. Here at LeBaron & Jensen, we strive to provide a multitude of services to inform you whether bankruptcy is the best option for you and to help guide you through the bankruptcy process.

When to File for Bankruptcy

As previously stated, bankruptcy is a final resort after you have tried other options for getting out of debt. You should only file for bankruptcy after you have tried to negotiate a repayment plan with your creditors. If they refuse to work with you to form a repayment plan that you will be capable of paying, you may want to consider filing for bankruptcy. When your liabilities exceed your assets, bankruptcy may be the best option. If you find that you are going further into debt every month, it is important to take action to get out of debt. In addition, it is often a good idea to look into bankruptcy if you can’t see your financial situation improving over the next 5 years.

Who Can File for Bankruptcy?

In general, anyone is able to file for bankruptcy. However, there are certain requirements for the various types of bankruptcy. You will only be able to file for that particular type of bankruptcy if you meet all of the relevant requirements. If you are filing for bankruptcy as an individual, rather than as a business, you will most likely be eligible for either a chapter 13 bankruptcy or a chapter 7 bankruptcy. Keep in mind that your bankruptcy case may be dismissed by the court if they feel that you are trying to cheat your creditors. These cases may also result in persecution for fraud.

Who Can File for a Chapter 7 Bankruptcy?

A chapter 7 bankruptcy can’t be filed for another 8 years after a previous chapter 7 bankruptcy has been filed. Only individuals may be eligible for a chapter 7 bankruptcy, businesses will most likely have to file for a chapter 11 bankruptcy. In addition, you will not be eligible to file for a chapter 7 bankruptcy if you have had a bankruptcy case dismissed by the court in the previous 180 days. To become eligible for a chapter 7 bankruptcy, your current monthly income will be examined closely. Your monthly income will be determined based on your prior 6 months’ income. This income will be paralleled against the average income for a family of a similar size as your family. If your monthly income is less than or equal to the median income for a family the identical size as yours, you are most likely eligible to file for a chapter 7 bankruptcy. However, if your monthly income is more than the average, you will be required to meet the means test.

The Means Test

The means test is a test that examines your finances in order to determine which type of bankruptcy you are eligible for. This test determines if you have enough disposable income in order to repay at least a portion of your unsecured debts. Your disposable income is the amount of money that you have remaining after you have subtracted certain allowed expenses and required debt payments from your monthly income. If you do have a substantial amount of disposable income, it is likely that you will be required to file for a chapter 13 bankruptcy rather than a chapter 7 bankruptcy.

Who Qualifies for a Chapter 13 Bankruptcy?

A chapter 13 bankruptcy is often referred to as the “wage earner’s bankruptcy.” It is available only to individuals or married couples filing together, not to businesses. In order to qualify for a chapter 13 bankruptcy, you must have a steady source of income. In addition, there is a limit to your debts to qualify for a chapter 13 bankruptcy. Your unsecured debts are required to be less than $394,725. In addition to this, your secured debts must total an amount less than $1,184,200. This specific number is adjusted every 3 years in order to account for inflation. You are not able to file for a chapter 13 bankruptcy within a certain period of time following a previous bankruptcy or within 180 days of having a previous case dismissed.

What Debts Can’t Be Wiped Out by Bankruptcy

There are certain debts that can’t be resolved through the use of bankruptcy. Understanding which types these are can help you to decide if bankruptcy is the best approach for your particular situation. Student loans and debts to government agencies can’t be wiped out by bankruptcy. Alimony and child support payments are also not able to be resolved with bankruptcy. Other debts that can’t be wiped out by bankruptcy include income taxes, court fines or penalties, and debts for personal injuries that were caused by you driving while intoxicated.

Debts that May Be Wiped Out by Bankruptcy

Alternatively, there are many types of debt that are able to be wiped out with bankruptcy. A few of these types of debt include personal loans, credit card debt, lawsuit judgements, medical bills, and obligations from leases or contracts.

Reasons to File for Bankruptcy

There are several reasons that commonly lead to filing for divorce. Medical debt is a common thing that causes individuals to file for bankruptcy, especially because medical issues can also lead to job loss. Being sued by creditors, job loss, and divorce are all reasons that many people decide to file for bankruptcy. Keep in mind when you make this decision that it will have a long-term impact on your credit and personal life, though there are still a few benefits to bankruptcy in the right situation.

Here at LeBaron & Jensen, we strive to provide you with superior guidance to help you throughout the bankruptcy process. Our skilled team is experienced in each step of the process in order to ensure that you are able to obtain the best possible outcome. To learn more about the legal services and guidance that we are able to provide and how they can improve your bankruptcy process, contact our experts today!