Arizona Bankruptcy Attorney- Which Is Better, Bankruptcy or Debt Settlement

When hiring an Arizona bankruptcy attorney you need to know which form of debt settlement is best for you. In this article we will talk about the difference in debt settlement and bankruptcy and which is better?

That is such a good question, and on that bankruptcy attorneys all the time. Most people facing debt problems want to do the right thing. They want to pay their debt. And if they are able to and they have the means to do it, I’d suggest they do it. But the majority clients simply don’t have the means to pay it.

But first so we’re clear on this, let me give you a brief explanation of it.

Debt settlement is when a company that takes a monthly payment from you. Typically, they will sit down and prioritize your debts and find out how much debt you have. They earn a percentage off of the debt that they settle for you and they will come up with a payment schedule for you.

Let’s say, for example, you’re going to pay them $700 a month. If you pay that $700 a month, that’s put into a savings account for you in their name. Then, once there’s a lump sum that’s sufficient to settle with your creditors, they’ll start the settlement process and of course, they’re charging for this service and they charge a percentage fee.

Say, for example, you have three credit cards that total $25,000. This is all unsecured debt, meaning there’s not a house or a car. It’s just credit card debt. The debt settlement company will tell you that they can settle the accounts for $15,000, which is 60% of the debt. And then they’ll charge you a fee of $3700, which is 15% of the total debt.

So really if you look at that, your total payment to settle your $25,000 credit card debt is actually $18,700. And then again, you’re making this $700 a month payments for 24 months or longer in order to meet this goal.

So what happens for a lot of people is even $700 is just simply too much.

And the other issue that happens is that the creditors don’t necessarily agree. These three credit card companies may not be willing to settle with you. This is not something they’ll go along with, especially if you’re employed. They’d be more inclined to simply sue you and garnishee your wages and get the amount from you that way.

The problem with the debt settlement company is, they can’t represent you in court because they’re not a law firm. So what often happens is that the majority people are half way through their debt settlement process, which means they’ve probably paid them the $3700 that they owe the debt settlement company, but they don’t have sufficient funds to settle or the credit card companies aren’t agreeing to settle and they’re facing law suits.

Now if you compare that to bankruptcy, first of all, bankruptcy is typically much less expensive. You can spend anywhere from $2500 to $3500 including all the fees in bankruptcy. Also remember the 24-month payment that you’d be looking at with debt settlement? In a chapter 7 if you qualify, you don’t make any payments on your debt.

The Role Of Daytona Beach Personal Injury Attorney

The categories of personal injury

There are many types of personal injuries starting from a simple fall that can hurt you to a serious injury in the brain. A personal injury at a beach may not be the same like that in a city. Personal injuries can be categorized into (a) Injury from a fall, (b) Attack of an animal, (c) Liability from a product, (d) Malpractice of a medical practitioner.

Personal Injuries can also take place while you are travelling and if you have had a personal injury while at Daytona Beach, you can contact specially trained a Daytona Beach Personal Injury Attorneys who can deal with this. The case depends on the presentation of the lawyer and the person who can give evidence on favor of the victim.

Personal Injury on Daytona Beach

If you are a victim of a personal injury on Daytona Beach, the wisest thing to do would be to approach an injury lawyer as laws on injury differ from one state to another. Contact a lawyer familiar with the personal injury laws of the place so that you will get justice.

Every beach has some dangerous spots because of the presence of under-water rocks or quick sand or even because of the spot being a habitat or dwelling place of some harmful sea creatures. It is the responsibility of the local authority to warn visitors to Daytona Beach of these impending dangers. If a visitor is injured, then a case of negligence and irresponsibility can be imposed on the authority for lack of duty.

If you happen to be visiting the beach and are involved in a personal injury car accident in Daytona Beach, then you must contact the personal injury attorney as it will not be easy for you to deal with the injury or your damaged car single handedly. It is remarkable to notice that Daytona Beach is a witness to more motor-cycle accidents than car crashes and statistics have revealed that most of the accidents taking place in Daytona Beach involve residents and not visitors.

The Attorney handling your case has to be adept at various situations so that you are not arrested unlawfully and are able to get the justice that is due to you. Daytona Beach has been a place of many tourists because of its appeal and at the same time, it has also been a place of accidents.

Download The Spirit Movie For Free – Legal And Safe Way

Legendary comic strip The Spirit by Will Eisner now appears on the big screen with the skilled adaptation craftsmanship by Director-cum-Screenwriter Frank Miller (300, Sin City).
**To Download The Spirit Movie For Free visit the link in the resource box under this article.

The pre-release gossips and discussions about the movie substantiate the huge potential of its becoming a mega box office hit. Starring in this mix of classic action, adventure and romance movie are Samuel L Jackson (as main villain The Octopus), Gabriel Macht (as the hero or The Spirit), Eva Mendes, Sarah Paulson, Dan Lauria and Scarlett Johansson. Being released soon under the umbrella of Lions Gate Films, the film was produced by Gigi Pritzker, Michael Uslan and Deborah Del Prete.

In the film the storyline portrays a good versus evil fight between a resurrected rookie cop (goes by The Spirit) and an evil entity known as The Octopus. Octopus is an ardent seeker of immortality determined to wipe out the entire population of Central City for his own diabolic mission. The Spirit, who was brutally murdered but makes a mysterious come-back, is steadfast in preventing this unjust quest.

In his fight against the evil, the Spirit faces all types of seduction, tricks and ruses from a band of immoral beauties who go by the names Silken Floss (played by Scarlett Johansson), Ellen Dolan (played by Sarah Paulson), Plaster of Paris (played by Paz Vega) and Lorelei (played by Jaime King). The story takes a further twist when Sand Saref (played by Eva Mendes), the Spirits once lover turns against him and plans to eliminate him for good. It then becomes a matter of making a choice for the Spirit between saving his once love of life or getting himself killed by her.

Im sure this gut-wrenching, sinister plot aroused enough interest in you to see the movie at the earliest opportunity. If you really want to enjoy the movie before its release at the theatres or DVD stores, you have an option. Download The Spirit movie for free! Yes, you heard me right. You can download The Spirit movie for free plus a virtually unlimited number of movie titles for a small rental fee of $50. If you can download The Spirit movie for free, why wait in that long queue or why reschedule your works just to match the movie shows?

More interestingly, when you download The Spirit movie for free and other movie titles along with it, you get following benefits:
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They are free of unwanted defects or programs like those spyware or malware.
You can enjoy unlimited downloads.
For all the movies to your hearts content download them from the following URL under this article.

Minnesota Personal Injury Lawyer

There are some incidents in life which you are not responsible for but they turn your whole life upside down. You may be fit and fine one day and the next you may be seriously injured and battling for your life because some young chap decided to have fun driving. You may recover from the injury but what about the emotional and financial stress you and your family faced. Who will be responsible for that? If you want to get justice then you need to take the help of Minnesota personal injury lawyer. He will make you aware of your legal rights and get you the rightful compensation. A good lawyer will handle your case as unique and look in all factors like severity of injury etc before going ahead with the case. It is important that you take help of the lawyer who has experience and who has been successfully handling such cases before. Only he can get you justice.

Minnesota personal injury lawyer fights cases of victims involved in all kinds of accidents like car accidents, truck accidents, motorcycle accidents etc. Minnesota wrongful death lawyer fights a case for the family of a victim killed in these types of accidents. Minnesota traumatic brain injury lawyer fights for people who have suffered a brain injury or similar types of serious injuries like spinal cord injuries.

Among the innumerable reasons why consulting such a lawyer is beneficial to you, some are mentioned below. It is very important that your case be handled in the most professional way possible. Minnesota truck accident lawyer knows the Minnesota law concerning personal injury like the back of his hand. In Minnesota, if you are in any way responsible in the least way to the injuries you incurred then you may not be eligible for compensation. Only an experienced lawyer will know how to present your case so that you get the highest possible compensation.

Minnesota motorcycle accident lawyer will also be able to help you with insurance laws since you may not be familiar with every detail. There are insurance companies which can mislead you by projecting the law in a way which will not entitle you for compensation. They may also not brief you on details of your policy which entitle you to get a bigger compensation. The lawyer will make sure you are not cheated by these companies.

Minnesota car accident lawyer has a rich experience with which he can guide you as to what compensation you can get from different kinds of injuries. You will be in need of this type of technical details so you have a fair idea about your privileges. Otherwise, the opposite party and their lawyers will try and take the case in a direction where you will get least compensation.

Minnesota personal injury lawyer will stop at nothing to ensure you get your dues. If need be they can even take the case to court. The culprit and the insurance companies know that going to court will not do any good to them. They will have to shell out more money than they desire. So they will try and ensure that this does not happen. Only a good lawyer can represent you in the best possible way in court and guide you every step of the way. With a lawyer by your side, nobody can cheat you.

Hence, hiring a Minnesota personal injury lawyer will be the smartest thing you can do and you will be the biggest beneficiary by doing so.

Becoming A Self-employed Entrepreneur The Netherlands

Registration in the Dutch trade register is compulsory for every company and every legal entity, including ‘freelance’ and ‘zzp’ (‘zelfstandige zonder personeel’ or self-employed without staff).

When you have decided to start your own business a new world is opening up, with a wide variety of possibilities. You could open a shop or start your own consultancy firm; become a full-time or a part-time entrepreneur. Clients may wish to hire you for advice or construction work.
Before plucking up which is planted, there is a time to plant. In other words: you will have to be prepared to tackle challenges as well – either as a provider of services or products, as a self-employed entrepreneur, a sole trader, an independent contractor, or as a freelancer or so-called “ZZP-er”.

The risky side of freedom and independence

Whether you offer services or products: you will do so at your own risk, expense and with full responsibility towards third parties. As well as this, being self-employed entails certain obligations, such as paying taxes and VAT and keeping records of your business activities. Preparing well is the best way to start. You are definitely not on your own; the Dutch business world offers plenty of competent assistance.

Starting point

Before you visit the Chamber of Commerce to register your enterprise, you should have considered the following:

* a permit to start a business in the Netherlands
* a business plan
* legal form and trade name of your enterprise
* taxation and necessary insurance
* business location, commercial lease
* a VAR’-statement from the Tax Administration, declaring you as a self-employed entrepreneur

Starting your own business

If you do not have the Dutch nationality, and want to start a business in the Netherlands, you will have to comply with particular IND (Immigratie en Naturalisatie Dienst, the Dutch immigration authorities) formalities. Even if you are not obliged to register with the IND (for almost all EU nationals) please do so all the same, as it may come in quite handy for other purposes.

The Dutch Chambers of Commerce are incorporated under public law and, as such, target their services at Dutch businesses across all sectors.

Dutch immigration authorities

The legal form of your enterprise makes no difference to the applicability of the rules by the Dutch immigration authorities: whether it is a one-man business, a Dutch private limited (BV), or a branch-office of a foreign company. The rules do not differ either whether you start an enterprise shortly after arriving in the Netherlands, or after having been employed in the Netherlands for some time. However, rules and formalities do differ broadly speaking for EU nationals and non-EU nationals. Please check also the IND Residence Wizard

EU, EEA and Swiss nationals

Nationals of one of the EU Member States, the EEA (European Economic Area), or a Swiss citizen, are free to live and work on a self-employed basis in the Netherlands and do not need an entry visa or a residence permit.

Even if you are not obliged to register with the IND, do so all the same, as it may come in handy in the future. For instance, when asked for proof of registration on taking out Dutch public healthcare insurance, a healthcare, housing or childcare allowance, a mortgage, or a phone subscription. Registration is free of charge. If you intend to stay over four months, you are always required to register at your local municipality. The expatdesk will help you out here.

Working on a self-employed basis when a EU, EEA and Swiss national

There are no specific IND formalities that have to be fulfilled for nationals of these states.

Different rules apply for citizens of Bulgaria or Romania as long as restrictions on the Dutch labour market remain in force. Nationals of these countries are advised to apply for a residence permit, which will be useful in a number of situations. The procedure is called “Application for assessment under the EU community law (proof of lawful residence)”.

Nationals of non-EU and non-EEA countries

If you are not a national of an EU or EEA country and not Swiss, you will need to apply for a residence permit in case you stay longer than three months in the Netherlands. A residence permit can be obtained from the IND.

If you are a national of a country subject to the Dutch visa requirement for more than three months’ stay, you will have to apply for a special visa: a provisional residence permit, an MVV (Machtiging Voorlopig Verblijf).

Working on a self-employed basis as national of non-EU / non-EEA country and non-Swiss
In this case you will have to meet several economic criteria before starting an enterprise in the Netherlands:

* You are qualified to run the business in question.
* You have a business plan.
* Your business serves an essential Dutch interest, i.e. “added value” for the Netherlands.

The IND does not weigh these criteria itself; the Ministry of Economic Affairs is requested to review your situation and to decide whether the business you intend to run will be economically interesting. If this turns out not to be the case, you cannot start your own business in the Netherlands.

Review of economic added value

* a permit to start a business in the Netherlands
* a business plan
* legal form and trade name of your enterprise
* taxation and necessary insurance
* business location, commercial lease
* a VAR’-statement from the Tax Administration, declaring you as a self-employed entrepreneur

Starting your own business

If you do not have the Dutch nationality, and want to start a business in the Netherlands, you will have to comply with particular IND (Immigratie en Naturalisatie Dienst, the Dutch immigration authorities) formalities. Even if you are not obliged to register with the IND (for almost all EU nationals) please do so all the same, as it may come in quite handy for other purposes.

The Dutch Chambers of Commerce are incorporated under public law and, as such, target their services at Dutch businesses across all sectors.

Dutch immigration authorities

The legal form of your enterprise makes no difference to the applicability of the rules by the Dutch immigration authorities: whether it is a one-man business, a Dutch private limited (BV), or a branch-office of a foreign company. The rules do not differ either whether you start an enterprise shortly after arriving in the Netherlands, or after having been employed in the Netherlands for some time. However, rules and formalities do differ broadly speaking for EU nationals and non-EU nationals. Please check also the IND Residence Wizard

EU, EEA and Swiss nationals

Nationals of one of the EU Member States, the EEA (European Economic Area), or a Swiss citizen, are free to live and work on a self-employed basis in the Netherlands and do not need an entry visa or a residence permit.

Even if you are not obliged to register with the IND, do so all the same, as it may come in handy in the future. For instance, when asked for proof of registration on taking out Dutch public healthcare insurance, a healthcare, housing or childcare allowance, a mortgage, or a phone subscription. Registration is free of charge. If you intend to stay over four months, you are always required to register at your local municipality. The expatdesk will help you out here.

Working on a self-employed basis when a EU, EEA and Swiss national

There are no specific IND formalities that have to be fulfilled for nationals of these states.

Different rules apply for citizens of Bulgaria or Romania as long as restrictions on the Dutch labour market remain in force. Nationals of these countries are advised to apply for a residence permit, which will be useful in a number of situations. The procedure is called “Application for assessment under the EU community law (proof of lawful residence)”.

Nationals of non-EU and non-EEA countries

If you are not a national of an EU or EEA country and not Swiss, you will need to apply for a residence permit in case you stay longer than three months in the Netherlands. A residence permit can be obtained from the IND.

If you are a national of a country subject to the Dutch visa requirement for more than three months’ stay, you will have to apply for a special visa: a provisional residence permit, an MVV (Machtiging Voorlopig Verblijf).

Working on a self-employed basis as national of non-EU / non-EEA country and non-Swiss
In this case you will have to meet several economic criteria before starting an enterprise in the Netherlands:

* You are qualified to run the business in question.
* You have a business plan.
* Your business serves an essential Dutch interest, i.e. “added value” for the Netherlands.

The IND does not weigh these criteria itself; the Ministry of Economic Affairs is requested to review your situation and to decide whether the business you intend to run will be economically interesting. If this turns out not to be the case, you cannot start your own business in the Netherlands.

Review of economic added value
The Ministry of Economic Affairs awards points for each criterion. You will need a minimum of 30 points for each criterion (total number for all criteria: 300).

The scoring system consists of three parts:

a) Personal experience (education, experience as a self-employed person, working experience);
b) Business plan (market analysis, product/service, price, organisation, financing);
c) Material economic purpose for the Netherlands (innovative, job creation, investments).

You should always contact the IND to find out about the procedure involved in testing the economic interest of the enterprise you intend to start. For nationals of some countries, for example Turkey, special rules apply on the basis of treaties between the EU and these countries. And when you are from the United States of America, it is important to know there is the so-called Nederland-Amerikaans’ vriendschapsverdrag’.

Taking your business from abroad

The Dutch comparative companies Act recognises all foreign legal entities except businesses owned by one man or one woman. If you run a one-person business in your country of origin and you can prove this, for example by submitting a copy of registration in a commercial register in that country, you can bring this enterprise to the Netherlands and have it registered at the Chamber of Commerce as a Dutch one-man or -woman business.

Other legal foreign entities or foreign business forms are simply registered as a foreign legal entity with commercial activities.

Please note that you will still have to comply with the IND residency rules

Starting a branch office in the Netherlands

There is a question of a branch when long-lasting business operations, which form part of the foreign enterprise, are (being) conducted in the Netherlands. A branch can be: a sales office or a production company, but also a representative office. It does not have an independent legal form, but is a part of the foreign enterprise.

Dutch law recognises foreign legal entities. In other words: the foreign legal entity wishing to start activities in the Netherlands needs not be converted into a Dutch legal form.

A business plan is essential

No matter small or big the business is, a business plan will help you identify areas of strengths and weaknesses.

Banks require a business plan when you take out a loan. Even if you do not need the latter, and financing your enterprise is not a problem, a business plan will definitely help you understand the impact of starting a business. Submitting a business plan is also one of the criteria set for non-EU and non-EEA nationals to be allowed to start their own enterprise in the Netherlands.

Get started: Write the plan yourself

Crucial questions you should ask are:

* Which legal form will best suit the enterprise?
* Which products or services will you offer?
* Who will be your clients?
* Promotional activities to get contracts?
* How to optimize visibility to your target group?
* Which prices and fees?
* Financial plan (available budgets, expected turnover, investments)?
* Which insurances do you need?
* Permits and/or licences required?
* Administrational organisation, which form?
* What should be included in your General Terms and Conditions if applicable?

Formats

Business plan formats can be obtained from various private parties that specialise in supporting starters. Just surf the internet. Small business planner at http://www.sba.gov/ is a useful site.

Employment law issue: employed or self-employed?

If you go freelance, you should pay extra attention to your situation, because the term ‘freelancer’ is not a definition recognized by law. Freelancers operate somewhere in between being self-employed and being in paid employment.

As an independent entrepreneur you pay taxes and contributions yourself, and you are not entitled to rights employers are: minimum wage, paid holidays, a holiday allowance, statutory safeguards against dismissal and a statutory notice period.

In order to designate the employment relationship while starting your business, it is important to consider different contracts and apply for a Verklaring Arbeidsrelatie (VAR) at the Tax Administration.

Employment on the basis of a contract and implied employment

Regardless of the title chosen for the contract with your client, it is considered an employment contract if the following criteria are met:

* your remuneration for the work performed can be seen as wages;
* there is an obligation to do the work yourself: you cannot send someone else to do the job for you. Having to be available for specific work, e.g. on-call service, will also be considered as work performed in employment;
* a relationship of authority: the employer can determine where, when and how the work should be carried out. This relation also exists if the work you do is an essential element in the employer’s business operations or if the employer’s profitability is at risk without you.

If the working relation does not show all characteristics of a “proper” employment relation, it may still be seen as one. This is called a notional employment relationship: although the employment relation has not been established explicitly, there is an implicit employer-employee relation. Consequently, the fee you charge is seen as wage, so, the employer will have to deduct taxes from your wages and pay national insurance and employee insurance contributions.

A notional employment relation exists if:

* you work for a client project for at least at two days a week;
* you earn more than 40% of the minimum wages for the project a week;
* the relation with the client lasts more than 30 days; a new contract within one month after the termination of the first contract is seen as continuation of the previous contract.

A notional employment does not exist if actual and practical independence can be proven, for which a VAR can be instrumental.

Commercial contracts

As a self-employed entrepreneur you or your client can initiate to formalise the contractor-client relation by entering into a commercial contract. Parties should always insist on putting down the arrangements agreed upon.
There are two types of commercial contracts:
1. Service agreement – Under this type of contract you are obliged to perform to the best of your ability, committing yourself to do your client’s work without being employed by him. The work is usually classified as services’.
2. Contractor agreement – Under this type of contract you have a specific target obligation. You commit yourself to produce a concrete, tangible object at a certain price.

Criteria for legal independence: Actual circumstances are decisive here. An official statement signed by client and yourself that the contract is a commercial one is helpful proof. Criteria are:

* the degree of independence and absence of supervision/authority;
* permanence;
* pursuit of profit;
* clientele.

Not just these criteria, but their interconnection especially plays a decisive role.

De Verklaring Arbeidsrelatie (VAR)

In order to designate the employment relationship you can apply for a Verklaring Arbeidsrelatie (VAR) at the Tax Administration. The VAR is an official statement. Based upon the applicant’s information the Tax Administration will define income as:

* Income earned in employment: the freelancer will have a VAR income.
* Income earned from other proceedings: the freelancer will have a VAR-row.
* Profit from enterprise: the freelancer will have a VAR-wuo.
* Partnership’s own risk and account: the freelancer will have a VAR-dga.

VAR-income and -row: employed or not?

With a view to the VAR-income and row, the employer will have to define and check whether he should pay income tax and employees insurance premiums, based upon the existence of an employment contract or otherwise. Explanatory assistance but no definite answer! – can be found at the website of the Ministry of Finance. The Tax Administration may conclude differently.

VAR-wuo and dga: certainty in advance

Only VAR-wuo or -dga supply the employer beforehand with complete financial certainty provided he meets the following conditions:

* The freelancer’s activities should be similar to the VAR’s description. So, the freelancer is not entitled to carry out IT work if the VAR denotes carpentry.
* The freelancer is on the job during the validity of the VAR (1 calendar year).
* The VAR should be the authentic original.
* The employer should determine the freelancer’s identity on the basis of a valid proof of identity (not driver’s licence). Copies of the VAR and proof of identity should be kept in the administration for seven years.

Having acted this way, the employer has a solid defence in case the Tax Administration or UWV may reach another verdict afterwards. So, it may be wise for both freelancers and employers to object against a VAR-income or -row.

VAR application

Bearing in mind the utmost importance of the VAR-outcome, it is obviously important to carefully fill out the VAR-form. Only the freelancer him/herself is allowed to apply for a Verklaring Arbeidsrelatie (VAR); the employer is not entitled to do this. A directeur-groot aandeelhouder (DGA) should apply for a VAR in case of external consultancy.

The Tax Administration provides a digital VAR application form; to which you will get a reply within 8 weeks. If additional information is needed, the Tax Administration will contact the applicant.

Please note the following when filling out the form: The Tax Administration considers request as a total, coherently, and takes the activities into account. If not all answers are favourable it does not necessarily mean that no VAR-wuo will be given. For example: an interim manager with two or more employers can still be entitled to a VAR-wuo.

The freelancer should write down reasonable expectations. If, however, the actual situation afterwards turns out to have been differently, this will not have any consequences as long as the deviation is within normal risk of enterprise limits. For example, the freelancer expected to have 3 or more employers, but due to a recession this turned out differently.

The freelancer has to fill out the form to the best of his knowledge and should not deliberately misrepresent the state of affairs. If this should afterwards be proven to have been the case, the Tax Administration will recover the indebted taxes and premiums from the freelancer.

Some of the questions need a yes’ or no’ only; choose the nearest suitable.

Relation employer/former employer

As a part-time independent entrepreneur / part-time employee you could get involved in a conflict of interest with your (former) employer. If you intend to provide services, comparable to the ones he provides, you better ask his permission/advice to run your own business.

Starting a business as a full-time independent entrepreneur you should be aware of a possible conflict of interests as well. You probably signed a non-competition clause within your employment contract that remains valid after termination of employment. In any case it is wise to contact/consult your (former) employer of your intentions.

Legal forms and registration of an enterprise

The Chambers of Commerce can answer your questions about the legal environment of your business. Seminars and other regular services are available.

The majority of starting entrepreneurs either choose a one-man business or a general partnership as the legal form for their business, according to their preference on doing business by themselves or in cooperation with others.

In order to accommodate the starting entrepreneur or professional, Dutch law recognizes various legal forms, such as a one-man business, a private limited company (BV), a partnership or a limited partnership. The main issues at stake are the matter of liability if your enterprise should run up debts, and which tax regime applies.

One-person business

One-person business (lit. one-man in Dutch: eenmanzak) is also referred to as sole trader or sole proprietorship or independent contractor.

If you start a one-person business you will be the fully independent founder and owner. More than one person may work in a one-person business, but there can only be one owner. A one-person business can also employ personnel.

Setting up

You can establish a one-person business without a notarial deed. Registration in the Trade Register is mandatory. As a private individual you can only register one one-man business. However, you can have more than one trade name and carry out various business activities under different trade names. These activities can be carried out at the same or at another address, as a branch office of the one-man business.

Liability

As the owner of a one-person business you are responsible for everything concerning your enterprise; for every legal act and all its assets and liabilities. No distinction is made between private and business property. Thus, business creditors can seek recovery from your private property and private creditors from your business property. If your one-man business goes bankrupt, you yourself go bankrupt as well.

If the owner of a one-person business should be married in a community of property regime, the creditors may also lay claim to the partner’s property. Partner liability can be avoided by a prenuptial or a postnuptial agreement drafted by a civil-law notary. However, since partners are usually requested to co-sign when taking a loan, the agreement may not offer the protection expected. A civil-law notary can provide more information.

Taxes and social security

The profit made in a one-person business is taxed in box 1 income tax. If the Tax Administration fully considers you an entrepreneur, you are entitled to tax allowances such as the entrepreneur’s allowance, investment allowance and the tax-deferred retirement allowance.

The owner of a one-person business cannot claim social benefits under the Sickness Benefits Act, the Work and Income Act and the Unemployment Insurance Act. Therefore, it is advisable to take out insurances to cover these risks. You will qualify for the following national insurance schemes:

* General Old Age Pensions Act
* -Surviving Dependants Act
* Exceptional Medical Expenses Act
* General Child Benefit Act

Continuation of the business activities and business succession

With a one-man business no distinction is made between private and business. If you die, both business and private property will fall into your heirs’ estate. You will need to make provisions to guarantee your business’ continuity. A tax consultant could provide more details.

B. General partnership, the “VOF”

A general partnership is a form of cooperation in which you run a business with one or more business partners. You and your partner(s) are the associates or members of the general partnership. One of the characteristics of this legal form is that each partner contributes something to the business: capital, goods, efforts (work) and/or goodwill.

Setting up

A partnership contract is not a statutory requirement for the formation of a general partnership, but it is, of course, advisable to put down in writing what you and your business partner(s) have agreed upon. A partnership contract could arrange the following matters:

* name of the general partnership;
* objective;
* contributions by partners in capital, knowhow, goodwill, assets and efforts (work);
* distribution of profits and offset of loss;
* allocation of powers;
* arrangements in case of illness;
* arrangements for a partner’s days off/ holiday.

Liability

An important characteristic of the general partnership is the joint and separate liability of the partners. Each partner can be held fully liable – including private property – if the general partnership fails to meet its obligations, even if these obligations were entered into by another, authorised partner. Creditors of the partnership may seek recovery from your business property and your private property and the property of the other partner(s). Restrictions agreed upon in the partners’ authority have to be officially registered in order to gain legal effectiveness towards third parties.

The general partnership usually has separate capital’, i.e. the business capital contributed by the partners, which is kept apart from their private property and capital. This capital is to be solely used for business purposes. Should one or more creditors seek recovery from the partnership – for instance in the case of bankruptcy – they could do so from the separate capital. If this should be inadequate to pay the partnership’s debts, creditors may seek full recovery from the partners’ private property. If so, you could hold the other partner(s) liable for having failed to meet their obligations, but only after the creditors have been paid. In private matters creditors of partners cannot seek recovery from the partnership’s business assets or the private property of the other partner(s).

Because of this partners’ broad liability it is advisable to have a prenuptial or postnuptial agreement drafted if you are married under a community of property regime. A civil-law notary could provide you with more information.

Taxes and social security

Each partner will pay their own income tax on his profit share. If the Tax Administration sees the individual partner as an entrepreneur, they are entitled to all kinds of tax allowances, such as the entrepreneur’s allowance, investment allowance and the tax-deferred retirement allowance.

As far as social security is concerned, the same rules apply for the entrepreneur partner as for the owner of a one-person business.

Continuation of the business activities and business succession

Under Dutch law the general partnership ends when one of the partners resigns or dies. In order to secure the continuation of the general partnership, the partners can include a clause in the partnership contract arranging for the other partners to continue the general partnership with or without a new partner or to terminate it.

C. Limited partnership, the “CV”

A limited partnership, the “CV”, is a special type of general partnership (VOF). The difference is that the CV has two types of business partners: general, and limited or sleeping partners. The latter are only financially involved; they cannot act on behalf of the partnership. Besides, the name of a limited partner cannot be used in the trade name of the limited partnership.

Setting up

A partnership contract is no statutory requirement for a limited partnership, but, again, partners better put down the agreements. Apart from the matters mentioned in the VOF, the contract should arrange the distribution of profit between general and limited partners. When registering a limited partnership in the Trade Register, the personal details of the general partners are listed; the details concerning the limited partners are restricted to total number and their contributions in the partnership.

Liability

General partners can be held fully liable if the partnership fails to meet its obligations. Bankruptcy of the limited partnership will automatically lead to the general partners’ bankruptcy (not applicable to limited partners). A limited partner can only be held liable to the maximum sum contributed to the partnership. However, should the limited partner act on behalf of the partnership, he will be seen as a general partner and fully liable, in which case creditors of the partnership can lay claim on his private property as well. Restrictions agreed upon in the partners’ authority have to be officially registered in order to gain legal force towards third parties.

The general partners’ liability in a limited partnership is quite broad, so, if partners are married under a community of property regime they are advised to have a prenuptial or postnuptial agreement drafted. A civil-law notary could provide more information.

Taxes and social security

General partners pay income tax on their share in the profit. If the Tax Administration sees the individual partner as an entrepreneur, they are entitled to various tax allowances, such as the entrepreneur’s allowance, investment allowance and the tax-deferred retirement allowance. As far as social security is concerned, the same rules apply to the entrepreneur partner as to the owner of a one-person business. Limited partners, who cannot be held personally liable for the enterprise’s debts, are not seen as entrepreneurs by the Tax Administration.

Continuation of the business activities and business succession

Under Dutch law the limited partnership ends when one of the partners resigns or dies. In order to secure the continuation of the limited partnership, the partners can include a clause in the contract arranging for the other partners to continue the partnership with or without a new partner or to terminate it.

D. Professional partnership, the maatschap’

The partnership referred to as maatschap’ under Dutch law differs from the general partnership and the limited partnership in that it is a form of cooperation established by professionals such as doctors, dentist, lawyers, accountants, physiotherapists etc., rather than a cooperation established for the purpose of doing business. The partners are referred to as maten’ instead of partners’. Each maat’ contributes personal efforts, capital and/or assets. The purpose is to share the income earned on the one hand and the expenses incurred on the other.
Setting up a professional partnership

A partnership contract is no statutory requirement for the formation of a professional partnership, but partners better lay down their agreements with the other professionals in a partnership contract. This partnership contract could arrange the following matters:

* contributions made by the partners;
* distribution of profits, pro rata each partner’s contribution – distributing all profit to one partner is not allowed;
* allocation of powers – each partner is entitled to perform management acts, unless agreed upon otherwise; as of 1 July 2008 the professional partnership has to register in the Trade Register. This does not apply to partnerships that only act internally, such as a partnership in which costs are pooled.

Liability

Each authorised partner can enter into a contract, thus binding the partnership: all partners. Each partner can be held liable for an equal part. If a partner should act beyond his authorization, the other partners will in principle not be held liable: the partner in question is the only partner that has bound himself. A professional partnership has no separate capital’ from the private assets of the partners. Creditors having a claim on the partnership can only seek recovery for equal parts from the individual partners; these creditors do not rank above creditors who have a claim on the private assets of a partner. To a married partner the same reservations apply as to the general partners in general partnerships and limited partnerships. They are advised to have a prenuptial or postnuptial agreement drafted. A civil-law notary could provide more information.

Taxes and social security
Each partner pays income tax on his profit share. If the Tax Administration sees the individual partner as an entrepreneur, he is entitled to various tax allowances, such as the entrepreneur’s allowance, investment allowance and the tax-deferred retirement allowance. Regarding social security the same rules apply to the entrepreneur partner as to the owner of a one-man business

Continuation of the business activities and business succession

Under Dutch law the professional partnership ends when one of the partners resigns or dies. In order to secure the continuation of the partnership, the partners can include a clause in the contract arranging for the other partners to continue the partnership with or without a new partner or to terminate it.

E. Private company with limited liability, BV’

In contrast to the legal forms described above – enterprises run by natural persons – the private limited is a legal person: a person having rights and obligations, just like a natural person. The natural person who has incorporated the private limited cannot be held liable, in principle, for the debts incurred by the private limited. The BV itself is seen as the entrepreneur, whereas the natural person who is appointed director merely acts on behalf of the BV and cannot be held personally liable for his acts. A private limited company can be incorporated by one person a sole shareholder BV or by more persons. The capital of a private limited is divided in shares.

Incorporating

This involves a number of statutory requirements, most important of which:
Incorporation takes place through a notarial deed. This should include the articles of association of the company. The civil-law notary will check the legal contents of the articles.
A certificate of no-objection from the Ministry of Justice must be submitted before the incorporation can be effected. The Ministry checks whether the person incorporating the company has ever been involved in bankruptcy proceedings or fraud cases.

The incorporation of a BV requires a minimum capital of EUR 18,000 (cash or in kind) in the private limited.

Liability

The shareholder’s liability is limited to the total sum of his participation. Since the BV is a legal person, having its own independent rights and obligations, the persons involved – directors and supervisors – cannot be held liable for the debt of the company. In other words: the company’s creditors can never seek recovery from the private assets of these officers. However, a company director or officer may be held liable as a private person if he has acted negligently or culpably. If they are responsible for the company’s bankruptcy because of wrongful or fraudulent behaviour in the company’s policy, creditors of the company may file a claim against them.

In the formation phase of the company, a director may be liable for the company’s acts. This liability ends as soon as the legal person is incorporated and the acts are confirmed by the company. As long as the company has not been registered in the Trade Register, directors’ and officers’ liability continues. In practice, limited liability often does not apply because banks require the director and principal shareholder of the company to co-sign for loans taken out on behalf of the BV.

Taxes and social security

The private limited pays corporation tax also referred to as company income tax on the profits earned. The BV’s director and shareholder are employed by the BV His eligibility for social security under the Dutch social security laws depends on the relation of authority between himself and the private limited. A relation of authority is considered not to exist if:

* the director, possibly with his or her spouse, can cast more than 50% of the votes in the shareholders’ meeting;
* two thirds or more of the shares are held by the director and/or close relatives up to the third degree;
* the director cannot be dismissed against their will.

Without a relation of authority, the director and shareholder cannot rely on the social security insurances. He will have to take out his own insurances; to him the same rules apply as to the owner of a one-person business.

Continuation of the business activities and business succession

Continuation of the company is secured by the fact that the BV is a legal person that exists independently from the persons having incorporated or managing the private limited. When the director dies, the continuation of the enterprise is not at risk, viz. the enterprise is run by the BV and a new director will have to be appointed.

A private limited can be sold in two different ways:

* BV’s shares are sold;
* BV’s enterprise (machines, inventory, stocks, etc.) is sold.

If the shares are sold, the proceeds are subject to income tax (box 2) if the shareholder has a substantial interest (holder of a minimum of 5% of the shares).

If the enterprise is sold, the BV will have to pay corporation tax on the profit or book profit on the sale. If the shareholder of the BV selling the enterprise is a BV itself, the structure is referred to as a holding – advantage of which: the holding will in principle have to pay taxes on the proceeds.

Registration of your enterprise

Before you are allowed to start your business operations, you have to register your enterprise in the Dutch Trade Register, which is administered by the Chambers of Commerce. Registrations in the Trade Register are public; everyone can check whether a particular person is authorised to act on behalf of an enterprise and which legal form it has: a one-man business, a partnership or a private or public limited.

The Chamber of Commerce could run a trade name investigation for you to make sure that the selected trade name does not infringe the rights of other enterprises. This trade name investigation is not free of charge.

Holland Gateway (the cooperation of the Netherlands Chambers of Commerce, Ministry of Economic Affairs and other official institutions) is located at Amsterdam Schiphol Airport. This bureau promotes the ease of doing business in the Netherlands.

How to register your enterprise

Registration requirements

Once you have decided upon your business’ legal form, you can have your enterprise registered at the local Chamber of Commerce. Registration should take place within a period of one week preceding, and one week following the actual commencement of business activities.

Without registration in the GBA, you will need to submit authenticated proof of your residential address abroad. The person registering the business has to submit a valid proof of identity, which document has to be personally submitted at the Chamber of Commerce. The following documents are accepted as valid IDs:

* a valid travel document (passport or European ID card);
* a valid Dutch driving licence (non-Dutch driving licence not accepted);
* a residence permit issued by the IND;
* a Dutch refugee passport
* a Dutch aliens passport

If you do not start your business at your home address but at a location you have e.g. rented, you will also be requested to show the lease to confirm the business address.

Once the registration has been completed, you will be given a unique eight-figure registration number. This KvK number should be referred to on all your outgoing mail. Free of charge, you will receive an extract of your registration, a KvK-uittreksel'(excerpt).

Who can register the enterprise

When an enterprise is registered at the Chamber of Commerce, it is of the utmost importance that the registration forms which are submitted have been signed by the right person. Depending on the legal form of the enterprise, the forms can be registered in the Trade Register by:

* the owner of the one-man business (registration of a one-man business),
* the partners (registration of a general partnership, VOF, and a professional partnership, maatschap’)
* or the general partners (registration of a limited partnership, CV’)
* If the enterprise is a legal person, a BV, the civil-law notary will usually see to the registration formalities.

The persons who should register the enterprise and sign the registration forms can also be held responsible in the event an enterprise is not registered.

In special circumstances other persons may be authorized and/or obliged to see to the registration of an enterprise. The Chamber of Commerce can advise you on these circumstances.

Registration forms

The registration forms can be downloaded from the Chamber of Commerce website. As a statutory requirement, all forms are in Dutch and have to be completed in Dutch. Translations in English of forms 6, 11 and 13 are available to assist you while filling in the Dutch form to be handed in.
Registration is not free of charge. When you register a business, a fee will be due for the calendar year the enterprise is registered in. After that initial year, an annual fee will be charged in the first quarter of each year. The total sum of this contribution depends on the legal form.

After registration

Once the enterprise has been registered, it is the owner or partner’s responsibility to keep the information up-to-date. With a BV the manager authorised to act on behalf of the BV is responsible.

Permits and Licences

Most business activities can be performed without any permits or licences, but for some activities, like catering business, transport or taxi firm, you do need a licence. And an environmental permit may be required if your products or business operations negatively affect the environment. Permits and licences can be applied for at the municipality or at the provincial authorities.

Check how you can use your degree or diploma for your business in the Netherlands. International Credential Evaluation: http://www.idw.nl/international-credential-evaluation.html

Some sectors require registration with an industry board or a product board. Registration is a statutory requirement, based on the Act on Business Organisations. An industry board is a kind of interest group for a specific sector. The same applies to a product board, which includes all enterprises in a production chain, from producers of raw material to manufacturers of end products.

Termination / dissolution of the enterprise

When transferring or selling your company, you will have to comply with a number of rules and regulations. You should also enter information about the sale into the Trade Register and reach a settlement with the Tax and Customs Administration. A business transfer within the family involves several other tax aspects.

Expatica will publish Becoming a self-employed entrepreneur the Netherlands (part 1) on Sunday 27 February.

Chambers of Commerce
The Dutch Chambers of Commerce provide information on starting a business, legal forms, registration in the trade register, international trade etc. We have accumulated knowledge, contacts and partnerships, which makes it the essential reference point for every firm doing or seeking to do business.

Drop by for specific information
Apart from general information, the Chambers of Commerce will be glad to provide you with further details regarding your specific position: either at the start of your business or while running it.

If you are located and/or interested in the Region Amsterdam:
Do call 020-5314684 for a consultation with one of our specialists of the Bedrijfsvoorlichting department.

Employment Attorneys Nyc Can Protect Your Employment Rights

Great working relationship must be practiced by both employer and employee in every company or organization. Workers and business employers alike will both thrive if their working relationship is mutually beneficial. The employer will generate more profits by way of their employees’ services, of which should be provided just payment in return. Unfortunately, not all workplaces have a perfect work environment.

When the labor law or employment law is implemented accordingly by both employer and employee then work conflicts won’t possibly occur. Sad to say, there are individuals who don’t care about the law as they only think about what’s beneficial to them . Work-related concerns could come up because of this. It is absolutely vital to get the help of seasoned new york employment lawyerin this kind of situation.

There are different reasons why conflicts happen at work. Spiritual differences, racial discrimination, and sexual assault are several of the reasons why employment conflicts arise. Issues at work are also more likely to take place when the employer harasses his employee or possibly, fails to pay him according to what is stipulated on in the contract. If it’s clear that their client’s right was breached, seasoned employment attorneys nyc can assist even if the case is quite complicated.

What exactly are the services given by an Employment Attorney?

Work-related problems that have to be settled in court are unjust workers’ compensation and being terminated from work unlawfully. Employees who are sexually harassed or have sustained debilitating injuries also accounts to a significant number of complaints filed against business employers. Legal cases are also filed against employers who didn’t process the retirement plan of their former employees. It is difficult, costly and time-consuming to cope with these matters alone. This is the reason why new york employment lawyers act as employees’ counselors and representatives.

They will make sure that their clientele know what their legal rights are. After doing a thorough analysis of the case, they will then suggest the client on the greatest course of action. If the work-related issue is still negotiable, then these lawyers will try to mediate between the employer and the worker. Work-related cases filed on the court are represented by them.

Employment attorneys who work for employees always make sure the chances will be on their favor. They will cautiously review documents and contracts in order to finding any problem that could aid strengthen the case. Meanwhile, employment attorneys who are employed by company owners utilize “preventive lawyering. Basically, the attorney will make sure that the policies of the company is adhering to the employment laws both in the federal and state level.

Employment lawyers believe that there are a few employment cases which can be resolved outside of the court. The truth is, these experts are trying their very best to prevent filing of lawsuit since it is a laborious process. Lawsuit also only makes the life of both employer and employee complicated.

The written and oral communication skill of an nyc employment lawyer should be outstanding. It is also wise to make sure that the legal professional is specializing in employment laws, and has remained updated with any changes in the law. Being analytical yet sensitive is also crucial. Winning the case is really feasible if he acquire these qualities.

Considering The Essential Facts Regarding Personal Injury Compensation Claims

The injuries that you are afflicted with, after meeting with an accident, can damage the condition of your body. Depending on the graveness of the accident and the injuries you suffer, you need to get the required medical assistance. Whether the injuries you suffer are minor or severe, you have every right to make the personal injury compensation claim. If you are the hapless victim of an accident, where it was the fault of the opponent party, or it took place due to the negligence of your employer failing to offer the best of facilities at the workplace, you can seek justice.

It is the proof or the concrete evidence that you need to be equipped with which empowers your solicitor to fight for your case with full acuity. The illness or the ailment that keeps you down after facing the accident need to be backed up by proofs like the medical bills, the receipts that the health care institutions offer and the like. If an ill stroke of destiny makes you physically disabled, or you would have to do without any part of your anatomy, then such a huge loss needs to be compensated at any cost. You need to buck up and strive hard while seeking for securing the claims.

While defending your case, blurting out the facts that upholds your distressed condition can be strengthened with the proofs that you lawyer can provide during the proceedings of the case. Taking the decision that you want to fight for securing the financial assistance that you truly deserve, make sure it is not a hasty one. You need to consult a reputed legal firm, get hold of an able lawyer, and brief him with the necessary details. The nuggets of wisdom shared and pondered during the briefing session between the lawyer and his client can prove instrumental in arranging the different fragments of the case on compensation claims, harmoniously.

While seeking for obtaining the personal injury compensation claim, you need to check your affordability factor also. You should not let the fee that your solicitor charges, to bog you down. The experienced and well-skilled professionals who are pumped with great confidence do not compromise on the fees that they charge, easily. However, entering into a negotiation with the organizations that acts as the legal specialists, can make things a bit easier on your pocket. Once you win a case and get the compensation claims that you are entitled to get, you feel that you made a fruitful investment.

Why to consult DC immigration lawyer

While migrating to another country, it is important for you to have knowledge about the concerning immigration laws. If you are shifting for the first time and you don’t have so much knowledge, it will be a great idea for you to consult a good DC immigration lawyer. Being professional in the field, he is familiar with all the immigration laws. So he can suggest you to migrate to a new location without any legal problems. The first thing you should consider is the experience of the lawyer. As law is not a subject where book knowledge is enough, you must ensure that, the person has some good reputation in the market for providing some qualitative service to the clients.

A good DC immigration lawyer is a person, who has some higher professional qualification relating to immigration laws. He can help you to complete all the legal procedures and paper works without having any problem. Finding out a good lawyer isn’t a difficult task nowadays. You can select a good Dc immigration lawyer from the market by spending some time in the market and comparing the price quotes offered by various lenders. You can either go offline or online to find out a good lawyer from the market. While selecting a lawyer, you should be slightly careful as there are some lawyers, who may charge some hidden cost during the agreement.

Incase you are facing any kind of immigration related issues; It is always advisable for you to grab the help from a DC immigration lawyer in your locality. If you are moving to a new location and you don’t have any knowledge about the immigration laws of that country, this can cause some serious problem for you in the later stage. You may have to face some major legal problems. So it is always better to consult a good lawyer having enough experience in the legal procedure. He can help you to minimize all the future risks and uncertainties relating to the immigration issues. You can complete all the legal procedures and paper works easily without having any legal obstacles.

While migrating to a new location, one of the major headaches for all individual is how to get an immigration green card of the new country to claim citizenship. Such problems can be easily solved by hiring a DC immigration lawyer. He can suggest you some good way to get a new green card.

Maud Poudat is a highly respected and renowned french immigration attorney in the DC area.
Get in touch with the best DC immigration lawyer, French immigration lawyer and Virginia immigration lawyer today!

Useful Tips to File a Car Accident Claim

If you have been injured in a road accident or if your vehicle has been injured in a car accident then chances are that you plan to file for compensation. To ensure that you get 100 percent compensation you will need to keep a few tips in mind while you file a car accident claim. This article will elaborate on some tried and tested tips that will help you get maximum compensation for car accident claims.

Tip #1 While you are at the accident scene you should contact an ambulance if you or the other person is injured. Opting for medical treatment at the scene of the accident will prove that you are concerned about your own safety and the safety of the other person. For any reason if you do not opt for medical treatment soon after the accident occurs you should visit a doctor to get your injuries checked. Since whiplash cannot be detected immediately after an accident you should revisit a doctor after a few days especially if you have symptoms like headaches, neck pain or shoulder pain.

Tip #2 While you are at the scene of the road accident you should alert the police or local law authorities that an accident has occurred at a certain place. The police will ask you certain details about the accident and they will enter these details into the police report. You will need a copy of this legal report when you are filing for a car accident claim.

Tip #3 If you are insured then you should contact your insurance company preferably within 24 hours and let them know that an accident has occurred. The insurance company will take down a few details and they will contact you in 24 to 48 hours for more details. When the insurance company calls you back you will have to tell them what happened in detail so you should have your story straight by then. You can also note down the details so that you do not miss out on any important details while you are talking to your insurer.

Tip #4 You will need to hire a solicitor to represent you in the court. The solicitor you hire will help you file the car accident claim so that it is accepted and he will let you know what documents need to be collected in order to file the claim. Since road accident claims fall under the personal injury category you will need to hire a personal injury lawyer to help you with the claim. Accident settlement companies in UK provide legal services through which claimants can hire a personal injury lawyer from the company to help with the claim. Some companies do not charge any fees for legal services to encourage claimants to opt for their services.

A Guide To Choosing A Car Wreck Attorney

If your car has been in an accident, chances are that you are feeling angry. Although you are upset over the damage sustained by your car, a specialist car wreck attorney can help you obtain compensation. He or she can judge how strong your case is, and how likely you are to receive compensation. If you win your case, it will be easier to pay the repair bill.

You should look on the web for lawyers who have experience in this area. Alternatively, you can ask your family, colleagues, and friends for recommendations if they have been through a similar experience. Your insurance may not cover the entire repair cost, so you should consider hiring an attorney.

Check the lawyer’s qualifications and the number of years of experience he or she has in this field. Confirm whether the attorney is licensed to practice in your state. Understand the state law as it applies to your case so that you can decide whether to proceed.

You will have to establish that the car wreck was caused due to the negligence of the other party. Once that is done, think about the amount of damages that you want. If you have suffered a personal injury as well, your case becomes stronger.

Schedule an initial consultation with the attorney. This should be complimentary so that you can decide whether you have enough grounds to proceed. Look for an assertive person who is familiar with the law as it applies to your case.

Schedule an appointment well in advance so that you are sure to find the lawyer free at a time which is convenient for you too. Find out the volume of cases he or she is handling at the moment so that you have an idea of the time that he or she will have to prepare for your case.

Consult an attorney as soon as you can after the accident. He or she will be able to advise you on how you should proceed. The lawyer will help you with the required documentation. Understand the procedure from him or her.

Look for a reputed car wreck attorney. Waukesh residents should look for one in the area, so that they find it easy to visit. Although many have a philosophical attitude after a car crash, you should stand up for your rights. If you are awarded damages it will help you resume your life.
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Car wreck attorney Waukesh- Be careful when you look for a car wreck attorney. Waukesh residents should consider Gruber Law Associates, which is known for success in personal injury law cases.