You Don’t Have To Lose Your Home

Maybe the terms for your mortgage loan seemed fine at the time you took it out but circumstances change. You may have been hit with unexpected expenses or suffered the loss of your once lucrative job. Hopefully you haven’t undergone a medical emergency but whatever the cause may be, you now find yourself in the predicament of not being able to afford the payments on your loan.

HAMP is the acronym for the Home Affordable Modification Program which was developed to help homeowners find ways to revise their loan stipulations so that they can meet their obligations and stay in their homes. The lender can modify the loan in a number of ways. He can agree to adjust the interest rate for instance, extend the loan or reduce the principal. Any one of these actions would relieve some of the pressure that the borrower is under and make it easier for him to get back on track with his payment schedule.

The first step toward achieving a loan modification is to reach out to your lender and make him aware of your situation. You will have to submit paperwork documenting your need and go through what may turn out to be a long and drawn out application process. Having an attorney explain the procedure and the ramifications of the agreement will make the process easier. He will know exactly what kind of records and receipts that the lender is looking for and may be able to help you state your position in a way that will put you in a more positive light.

Your lawyer will be on the lookout for what is called “dual tracking.” It happens when a lender has consented to review a loan for modification but is taking steps toward a foreclosure on the property at the same time. This action is in breach of the program rules and you will be protecting your rights by having the expertise of an experienced attorney at hand.

If you’re facing the possibility of foreclosure contact Parker Lawyers to get the help that you need to prevent it. Call the offices @ 303-841-9525.

Look Into The Legal Aspects Of Formulating A Business Partnership

A partnership per se, doesn’t require taking any official legal protocol, but if the partnership involves a for-profit business it must be registered in the state. There are also some basic guidelines available to help get the partnership off to a successful beginning.

Your business will need a name. Standards propose that you choose one that is unique to the type of business it represents. Customers like to be able to relate to the words used to describe a business so it may be best not to stray too far out of the box. There are professionals who will do the research for you to come up with a name that will both identify and showcase your enterprise, but their services can be pricey. Once you have decided on a name for your business your attorney can file it with the office of the Secretary of State.

The Colorado Office of Economic Development has issued a directory specifying the licensing requirements for various kinds of business partnerships. Your attorney will also look into any local pre-conditions involving things like building permits and zoning laws.

Every business partnership is required by law to obtain an Employer Identification Number through the Internal Revenue Service. You will need to use your EIN when filing your Colorado state tax forms and in setting up a financial account for your business.

Although it is not compulsory your attorney will strongly recommend that you and your partner meet with him to discuss the terms of your partnership agreement. His experience in these matters will be invaluable in helping to foresee the various situations that most often arise in a business partnership. It will be to the benefit of both parties to know that they are on the same page as to how to handle these issues if and when they arise.

The expertise of Parker Lawyers is available to clients from the Denver Metro area and surrounding counties. Call on us @ 303-841-9529 for advice on any of your legal needs.

You’ll Be Ready

If you’re going to be called as a defense witness in an upcoming trial you can depend on the defending attorney to help you be ready. You’ll want to be as prepared as possible since you may be helping to prove the innocence of a close friend or relative.

Meeting with a witness to discuss his testimony is an accepted part of the pretrial process. Both the defense and the prosecution are allowed to do so in order to organize their cases and make sure that things will move along smoothly in court.

What kind of witness will you be? An “eye witness” is someone who was at the scene of the incident and can tell the court what took place. If you testify as an eye witness you will be sworn in and asked explicit questions about what you saw. The defense attorney will have explained that you stick to the facts and not offer your personal opinions.

An “expert witness” is often a professional in his field and can offer testimony as an authority on the subject at hand. You will be asked to answer questions regarding your qualifications to testify in this capacity, i.e. experience and educational background. Once you have been established as an expert you will be allowed to offer your professional opinions pertaining to the case.

A “character witness” is often called by the defense to testify to the good character and reputation of his defendant. If you are to be a character witness the attorney will go over exactly what he wants the court or the jury to hear from you so that you will know ahead of time what questions to expect. He will advise you that anything you say during his direct examination can be brought into question by the prosecuting attorney when he cross examines you.

An experienced defense attorney will see to it that all of his witnesses are well prepared for their appearance in court. If you follow his advice and you’re sure of your facts you should make an excellent defense witness.

Parker Lawyers are skilled and experienced to represent clients in every aspect of the legal practice. Call the offices @ 303-841-9525.

Step Up In Your Own Defense

Legal professionals will tell you that the first thing to do after being arrested and charged with dui/dwi is to call a lawyer. You may be thinking that there is little or no chance of successfully defending against the charge but you could be mistaken.

Did the arresting officer have good reason to pull you over? The law specifies that the officer must witness the suspect committing a traffic violation such as running a red light, or actually see him drink from an open can of beer or bottle of liquor. If the officer can’t establish a reasonable cause for suspicion any evidence that he removed from your vehicle at the time of your arrest may be ruled inadmissible in a court of law. In order to prove to the court that reasonable cause was lacking your defense attorney will be allowed access to any video tapes that were taken before the officer intervened. If the manner of your conduct seems appropriate he may contest the arrest and submit to the court that the charges against you be dropped.

What the arresting officer observes to be signs of intoxication may well be something else altogether. Many medications can cause symptoms that imitate the the affects of alcohol. Anti anxiety drugs for instance can cause disorientation or slurred speech in some patients.

Even the results of a breathalyzer taken at the scene as part of a field sobriety test can be flawed. The equipment used may prove to have been improperly maintained and there is always the possibility of human error in the process of administering the tests. It is often impossible for the machine to tell the difference between the alcohol found in some mouthwashes for instance, and that present in alcoholic beverages.

So you see, a dui arrest doesn’t necessarily bring with it an automatic conviction. By enlisting the services of a defense attorney who is experienced in similar cases you will be giving yourself every advantage to present your side of the story in a professional manner.

Contact the offices of Parker Lawyers @ 303-841-9525 to set up a consultation.