bankruptcy

Bankruptcy attorney: How to find one

Finances are tough and bad things can happen to good people. Research indicates that as much as 60 percent of all bankruptcies filed are caused by mounting medical bills that cause general financial strain. But there is life after bankruptcy, and a bankruptcy attorney in Boulder can help guide you through the process and find the light at the end of the tunnel.  

Look for a bankruptcy attorney online 

There are great resources for finding bankruptcy attorneys in the Boulder area online. Not only can you then browse their website to learn more about their area of expertise, but you can also read about past client testimonials on their website, and on third-party sites that collect reviews of area businesses. If you find a bankruptcy attorney that gets mostly good reviews from clients, perhaps it’s time to learn a bit more about him or her.  

Set up a consultation

If you can narrow down your search to three bankruptcy attorneys, you should then try setting up a free consultation with them all. This meeting will allow you to get to know them a little better, and learn more about their methods and the bankruptcy process in general. If you find one that you feel very comfortable with, that’s a great sign that you’ve probably found a bankruptcy attorney that you’ll work well with.  

Follow the lead of your bankruptcy attorney

Once you choose a bankruptcy attorney, they will guide you through the next steps for filing bankruptcy. They will also help you to determine which type of bankruptcy to file. The process can be complicated, but your knowledgeable lawyer will let you know exactly what needs to be done and when. Once the paperwork is filed, and all of your hearings have taken place, you can expect to have your bankruptcy completed in less than a year.

5 Tips for safe driving this winter

According to the National Highway Traffic Safety Administration, more than 17 percent of vehicle accidents occur in winter. It’s a treacherous time for driving -not only because of the icy, snowy, and cold weather- but also because of the influx of alcohol use by those who are celebrating the season. You definitely don’t want to need the services of a Boulder DUI attorney this winter, so heed these five tips for driving safely in winter conditions.  

Stay home  

The easiest advice that any Boulder DUI attorney could give to most of his or her clients is to just stay home. Driving in winter weather wouldn’t even be a problem, especially if you’ve had a drink or two celebrating the festive season, if the celebrations occurred at home. If winter weather descends upon your community, do yourself a favor and skip the party for a quiet, safe night at home. 

Drive slow

The NHTSA recommends that drivers drive much slower during winter weather. It’s a well-known fact that it’s harder to stop your car in slick, icy, or snowy conditions. Give yourself extra time to stop by driving at a slower speed than you normally would in warmer weather.  

Have your car checked

One of the smartest tips for winter driving happens before winter even arrives. Do yourself a favor and make an appointment for your car to be checked by a knowledgeable mechanic during the fall season. Ask them to check the car from bumper to bumper and pay special attention to the parts that you’ll depend on for safe winter driving like the battery, tires, brakes, lights, windshield wipers, cooling system, and even your floor mats.  

Always have a DD

If you do have a winter party on your calendar that you just don’t want to miss, you can still do so safely by always having a designated driver. According to the US Department of Transportation, more than 300 people die each year because of drunk driving during the holidays. Don’t let such an unfortunate circumstance wreck your holiday cheer – always have a DD.

Stay alert

It’s also important, for safe winter driving, to stay alert. Falling snow can be hypnotic, and it’s important if you’re driving in heavy snow to maintain your focus on the road and cars ahead of you. Maintain alertness on the conditions around you and the traffic around you to ensure that you arrive at your destination safely.  

Filing for Bankruptcy 101

According to the American Bankruptcy Institute, about 600,000 each year file for bankruptcy in the US. Graph with link. Job loss, divorce, and medical bills are the three most common reasons that filers site for taking this legal step. If you’re considering doing so too, you’ll want the help of a trusted bankruptcy attorney in Boulder. 

Chose a chapter

Once you identify a bankruptcy attorney in Boulder to help you through the process, you’ll need to decide which chapter you’ll be filing. Chapter 7 allows a debtor to discharge all of their debts with a few exceptions like student loans. Chapter 13, on the other hand, doesn’t discharge debt and instead puts you on a trajectory for paying back your debts through payment plans and is more of a debt reorganization plan.  

Collect your documents

One of the first steps you’ll need to take is to collect necessary documents. Contact each of the three credit reporting bureaus – Experian, Tranunion, and Equifax, and request current credit reports. Collect any billing statements you have in your home, as well as any other documentation that shows money due for goods and services that you can’t pay.  

Register for credit counseling

In order to file for bankruptcy, you must first register for and complete a credit counseling class. These classes are held all over and a simple Google search will return several providers in your area. Your attorney can also suggest a place where you can take care of this requirement.  

File forms in court

The next step is to sign a bankruptcy petition. These forms disclose all of your debts and other financial information like assets that you own. Your lawyer will then submit your petition to the court and the day of filing becomes the effective day of your petition. The court will then issue your first bankruptcy hearing date.  

Attend 341 meeting

Your hearing date is called a 341 meeting and it will be the first time you meet with your bankruptcy trustee to discuss your circumstances. Your creditors are also invited to attend the meeting but seldom do. These meetings are typically pretty quick and your lawyer will prepare you for it.

Start rebuilding your finances

Following your 341 meeting, and the completion of your credit counseling class, you will be issued a certificate of discharge which shows that your debts have been discharged by the court as of a specific date. You will use this certificate in any financial dealings moving forward, and with creditors who might still come knocking looking for payment. Your lawyer will advise you to hang on to this paper for a minimum of 10 years.

Steps You Should Take if you Get a DUI for Alcohol or THC

If you find yourself in the unfortunate circumstance of standing on the side of the road with a police officer who suspects that you’re under the influence and shouldn’t be driving, it pays to know ahead of time what’s in store and how to properly handle the situation. In Colorado, blood alcohol over .08 and THC measured above 5 nanograms signifies driving under the influence and will mean that a DUI ticket is heading your way. If this has happened to you, it’s best to find a knowledgeable and experienced Boulder DUI attorney to handle your case.  

Call an attorney 

A Boulder DUI attorney will be a critical partner in helping you to get through this unfortunate development. You can find one online that offers information about their specialties helping to ensure they have the experience you need by your side. Call your choice of an attorney to set up a consultation appointment and remember to act quickly because some things need to be done in the days immediately following the charge.  

Request a hearing

Requesting a hearing from the department of motor vehicles will be one of the first things to do following your charge. Your attorney can take care of this process for you. This hearing must be requested in the first week and an experienced Boulder DUI attorney will prove to be a lifesaver for anyone who’s never dealt with such things.  

Plea bargain or trial

The next step following a charge for DUI in Colorado will be to deal with the county court system. You will have to do one of three things, enter a guilty plea, enter a guilty plea regardless of your guilt in exchange for a plea deal which might include lighter sentencing, or refuse to enter a plea and ask the court to set a trial date. A knowledgeable DUI attorney will be able to advise which is the best for your situation after hearing the specific circumstances.  

Dealing with the DMV and county court

Following a DUI charge for either alcohol or THC, you will have to deal with both the DMV in Colorado and the county court system in Boulder. Each will have a specific set of requirements to deal with the charge and its impact on your ability to drive in the future, and your permanent record. Having an attorney on your side to help navigate the system is a win-win and the only way to ensure that the fallout is as minimal as possible. 

 

If you need an attorney for your DUI case, contact Paul Stuber in Boulder, CO at (303) 442-6448 today and visit www.paulstuber.com for more information

Why are there two types of DUI cases in Colorado for each arrest, DMV and Court ? Ask a Colorado, Boulder DUI attorney.

In Colorado driving is considered a privilege and not a right.  You might think that it is very important to have a license and drive to work but the State of Colorado believes that the public safety is more important and has classified a license to drive a privilege. This means that they do not have a Judge decide the fate of your license in a DUI case but an administrator for the DMV. We call this a consent violation if you are stopped driving with a Blood Alcohol level at 0.08 or greater. It is a separate hearing from the one on your ticket that you have to go to court to defend. You can have an attorney represent you at these hearings. I have been to many of them. In recent years there has been a new development. This is the interlock device. We have a compromise between the public safety and the need to drive for work etc. With the interlock you can’t drive the car if you have alcohol on your breath. There are ways of getting your license back early in the suspension with an interlock and there are lengthy interlock requirements for repeat and high BAC levels. This is all separate from the misdemeanor criminal case in court. You should contact a qualified DUI, DWAI, attorney in Colorado to know your rights on your case. Paul Stuber

Lawyer Reviews and Rating Websites

There’s no question that Yelp, Google+, CitySearch, Angie’s List and other review sites are decent places to find reviews about attorneys. If you want to review some sites devoted to attorneys try the following:

avvo

Avvo: This is a client driven site that also offers a Q&A Forum for people to ask legal questions to lawyers for free.

Super Lawyers: This Thomson Reuters lawyers rating service covers more than 70 practice areas. Ratings are provided by different lawyers who have been recognized by peers, and achieved professional recognition.

LawyerRatingz: This site shares information about ratings. It currently has more than 65,000 ratings written by its users, and it uses a 5-point rating system that’s represented in an easy to use graphic interface.

Lawyer Reviews: One of the largest databases of attorneys. Ratings and reviews for more than 2 million attorneys and legal professionals. Information includes lawyer ratings, peer reviews, details about each firm and individual attorney, and a 10-point rating scale.

lawyer reviews

Martindale.com: Over 1 million attorneys worldwide are profiled and rated.

Best Lawyers: This is one of the oldest peer review guides for attorneys. This site is characterized by an excellent search engine that helps people find and review attorneys by name, firm, practice area, and location.

If you’re looking for an experienced Boulder area attorney for any of the following needs; Colorado Chapter 7 or 13 Bankruptcy, DUI, DWAI, or Trust and Estate Planning, attorney Paul Stuber will personally handle your case. Paul has been practicing since 1983, and he has been a Chapter 7 Trustee for seven years. Learn more at www.paulstuber.com, or speak with Paul directly at (303) 442-6448.

Interviewing a Prospective Attorney

You need an attorney. You have found a few that seem like they have the experience you need. Follow these critical steps to increase your chances of getting the right attorney the first time. Step 1: Outline your needs in advance. Step 2: Don’t pay for an initial phone consultation. Step 3: Pay attention to the chemistry between you and the attorney. Step 4: Ask lots of questions. Step 5: Be prepared.   When you’re meeting with a prospective attorney for the first time don’t forget to ask:

  1. About the attorney’s accessibility – how will you get a hold of him/her when you need to talk, and how long will it take for them to get back to you.
  2. What part of your case the attorney will work on, and what parts will be handled by assistants, other attorneys, and administrative staff.
  3. What recent cases like yours that the attorney handled, and how they turned out.

Before meeting with a prospective lawyer, make notes about your problem and gather any documents related to your issue to take with you. This will let you clearly detail your problem, and allow you to focus on whether or not you feel comfortable with the attorney.   If you’re unsure if your attorney is providing you with good representation, don’t hesitate to make a change. Trust your instincts. If you have any questions, contact Boulder attorney, Paul Stuber for a free phone consultation (303) 442-6448, or to schedule an appointment.

Finding the Right DUI or Criminal Attorney

Don’t expect to find a great lawyer just by picking up the phone book, or responding to a TV or radio advertisement. Finding the right DUI or criminal attorney will take a little more effort.

Personal referrals from someone who has experienced the same problem as you can give you some great leads. You should be able to find reviews online at:

  1. Avvo.com
  2. Researchlawyers.com
  3. Superlawyers.com
  4. Yelp.com

Or, just go to google and type in “lawyer reviews” or “attorney reviews” and the city where you live. If that’s not working for you. Most state bar associations will have a website with attorneys listed by specialty, and information about each attorney.

Choose a Specialist

Working with a lawyer who is experienced with your issue is a must. Law is too specialized to work with an attorney without recent and successful experience with your issue.

If you can’t afford your own attorney, contact Boulder Legal Service (BLS) at 1790 30th Street, #301, Boulder, CO. 80301-1020, Phone: 303-449-7575. BLS can also help with bankruptcy, consumer, child custody, dissolution of marriage, domestic violence, elder law, health, housing, individual rights, public benefits, and wills. If you want experienced and aggressive legal representation for DUI, DWAI, Criminal defense, and Estate planning call Paul Stuber (303) 442-6448, or schedule a free consultation in person.

New Colorado DUI Laws for 2014

In 1998, the Persistent Drunk Driver Act was passed. This legislation increased the penalties for people with repeat DUI convictions or very high blood alcohol concentrations (BAC). Recent changes, which took effect on Jan. 1, 2014, lower the BAC at which a driver is classified as a persistent drunk driver from 0.17 to 0.15 percent.

Another change to the law effects anyone who refuses to take a breath, or blood, test when arrested for suspicion of driving under the influence. Refusal to take the tests will now enable that person to be classified as a persistent drunk driver.

Penalties Are Not to Be Taken Lightly

Penalties can be severe, even if it’s a person’s first DUI conviction. If you’re classified as a persistent drunk driver you have to undergo drug and alcohol rehabilitation, and you need to install ignition interlock devices on your vehicles for two years in order to regain driving privileges. Not to mention, that people classified as “persistent drunk drivers” by the court must wait 30 days (60 days on a refusal) before getting a probationary driver’s license with the ignition interlock use. You should apply early as it takes sometimes weeks to get authorization.
There are also penalties that people convicted of DUI face in addition to the DMV. There are criminal ones; these include fines, jail time, public service, court costs, and penalty surcharges.

Get Professional Help

If you can’t afford your own attorney, contact Boulder Legal Service (BLS) at 1790 30th Street, #301, Boulder, CO. 80301-1020, Phone: 303-449-7575. BLS can also help with bankruptcy, consumer, child custody, dissolution of marriage, domestic violence, elder law, health, housing, individual rights, public benefits, and wills. If you want experienced and aggressive legal representation call Paul Stuber (303) 442-6448, or schedule a free consultation in person.