Category Archives: Finance Guide

Provide Expert Witness Testimony All The Time

Any good lawyer knows that you can’t prove your case without evidence. Juries want proof that what you are saying is true. Sometimes this evidence is very scientific in nature and the regular people of the jury can’t fully comprehend what it means. This would be a good reason to hire an expert witness.

Financial cases are a common type of case where an expert witness is hired. Banking law is complicated enough if you work in the industry. It’s even harder to understand if you have no relationship with it. Michael F. Richards and other consultants like him provide expert witness testimony all the time for court cases that deal with real estate, banking law, and loan documents. Here are three good reasons lawyers should consider hiring expert witnesses to help them with their court cases.

Unbiased – Witnesses can often come off as biased during testimonies. A jury knows that an expert has to provide an unbiased opinion on the information that they know about the case. The only person’s interest who they have in mind is any person in the courtroom that wants the truth. In many cases, these are scientists who use the scientific method to help analyze data and report on it in a courtroom.

They improve your chances – Expert witnesses have been known to completely change the momentum of a case. A really good one can make an unwinnable case a win. This is because they can explain the circumstantial evidence and turn it into real evidence. That takes diligence and attention to detail, but this is something that the person should have anyways if they are considered an expert.

They are certified – They are considered experts. This means that they obviously have some kind of education or training in the field. Often times, they have years of experience as well. All of this experience and training means they can speak eloquently about the subject while still speaking in terms that a layperson on the jury can understand. The best expert witnesses understand how to explain complicated matters in a simplified way.

If you are a lawyer who works in financial law, you should always have an expert witness on speed dial. They can win a case for you that was previously thought to be unwinnable. Their courtroom experience and calmness under pressure make them a great tool for cross-examinations. Even the toughest questioning is something that they usually have seen before.

After The Storm: Advice On Repairing Damaged Credit

After The Storm: Advice On Repairing Damaged Credit

After The Storm: Advice On Repairing Damaged Credit

There are many benefits to repairing your credit; you are sure to find some of them here. You can borrow money more easily; receive lower interest rates on auto, home and other loans; and enjoy higher or better rewards from some of the most popular Credit-card companies in the United States.

Discuss your credit situation with a counselor from a non-profit agency that specializes in credit counseling. If you qualify, counselors may be able to consolidate your debts or even contact debtors to reduce (or eliminate) certain charges. Gather as many details about your credit situation as possible before you contact the agency so that you look prepared and serious about repairing your credit. Continue reading

Effective Tips That Will Repair Your Credit

Effective Tips That Will Repair Your Credit

Effective Tips That Will Repair Your Credit

Credit repair will not happen on its own. A person cannot reasonably expect to do nothing and have their credit magically repair itself. However, if one is thinking logically they can seek out the necessary information and use it to repair their credit like they wanted. This article will assist with that.

Keep your credit card balances low. having a high credit limit on your card can seem like you’ve won the lottery, but using that entire limit will lower your score. Try to keep balances at a 50% maximum. 30% is more of a prime target. By doing this you are showing that you can handle your credit well, and that you don’t need every dollar that has been extended to you.

Do not fall prey to the seven or ten year bad credit “monster” so many creditors put forth. You can positively impact your history through diligence and effort. These time frames are by no means a set standard on how long negative reports affect your standing. Many times these are used as a scare tactic to keep you from being proactive in your efforts. Continue reading

How You Can Improve Your Bad Credit

How You Can Improve Your Bad Credit

How You Can Improve Your Bad Credit

The American dream is one so that any person can do anything they want if they try hard enough and apply themselves. While repairing credit may not be the typical idea of the American dream, it too can be done, if you try hard enough and apply the tips you learn in this article.

If you have negative items on your credit report, you have the right to challenge them at any time. Even if you don’t think an item is disputable, there is a chance you can have it removed if the credit bureau doesn’t investigate your challenge in a timely manner. For items that are two years old or more, the credit bureau may have trouble finding information to verify its accuracy, in which case they will have to delete it from your report.

You should remain patient, when building up a good credit score. Make plans for the long term and pay off your debt regularly. When you need to borrow money, you should be able to get it very easily. Adopt good credit habits as early as possible and then keep these good habits, throughout your life. Continue reading

Ways To Improve Your Credit Score And Fix Your Credit Report

Ways To Improve Your Credit Score And Fix Your Credit Report

Ways To Improve Your Credit Score And Fix Your Credit Report

Does your credit need some help? You can repair your credit, but you have to do it right. You may be able to get a credit card or a loan with less than stellar credit, but the interest rate will also be less than stellar. Follow these tips to get better credit!

If you have a lot of debts or liabilities in your name, those don’t go away when you pass away. Your family will still be responsible, which is why you need to invest in life insurance to protect them. A life insurance policy will pay out enough money for them to cover your expenses at the time of your death.

When attempting to access new credit, be aware of regulations involving denials. If you have a negative report on your file and a new creditor uses this information as a reason to deny your approval, they have an obligation to inform you that this was the deciding factor in the denial. This allows you to target your repair efforts. Continue reading