Welcome to Estate Law Group
We understand your hardship that is why we will do everything to help you keep your assets. If you fear that you would be losing your home to foreclosure, we can help you save it. If you need backup as you negotiate with your lender, we are the right team for you.
Estate Law Group can provide you the best attorney and team in town to help you convince your lender and give you a new loan that fits your capacity and qualifications so that your family can have a fresh start in life.
We are ATTORNEYS and ADVOCATES for YOU and YOUR FAMILY. We will protect your RIGHTS.
Estate Law Group: Signs of nursing home abuse
Our elderly loved ones who are staying in nursing homes still need our attention and care. They can be lonely, especially if their families do not visit them often—or anymore—in some cases. Therefore, even if they are away from us, we should still pay them a visit as often as possible so that they will not feel abandoned.
Entrusting our elderly family members in nursing homes is not only being free from the duty of taking care of them as we are busy with our careers. As their family, it is not only our responsibility to pay for their nursing home bills but we also have to make sure that they are getting the proper care and treatment they deserve.
However, one more reason why we need to constantly check on our loved ones in nursing homes is because there could be a possibility that they are not treated right. Nursing home abuse can happen and usually they are hard to be noticed if not examined.
What can be considered nursing home abuse
Nursing home abuse can happen in many ways and they are dangerous. They may come in mild or aggressive instances but all of them have harmful effects to the patient.
It can be in the form negligence, which means the treatments that the patient needs are not given properly, such as not following medication prescriptions or not changing soiled beddings.
Another form is sadism or violence which involves physical, emotional, psychological, sexual, or verbal abuse. This can cause not only physical injuries but even trauma and low self-esteem.
However, the problem is that usually, patients do not tell about their experience since they are either not capable of expressing what is happening to them or they are embarrassed or afraid. Therefore, we ourselves need to take action in order to see what they are really experiencing.
If you want to find out if your patient is suffering such condition, Estate Law Group has listed some of the signs of nursing home abuse:
- Bruises and wounds- if you find some wounds, bruises, or red and black spots then you should already be suspicious of how your patient is being treated.
- Isolation or withdrawal-if you notice that your loved one is becoming a loner or is withdrawing from the crowd then maybe something is happening to him/her in that nursing home—something which is troubling or depressing that he/she does not want you to know.
- Low self-esteem-if the patient is having a low self-esteem—and it is unusual for him/her—then it is also a sign that there is a nursing home abuse happening. Maybe he/she is experiencing some degrading treatment.
If you think your loved one is really experiencing a nursing home abuse, you can consult Estate Law Group and get a lawyer who can help you save your patient.
Resolving Your Financial Constraint through Bankruptcy
Most people, if not all, are aware of how bankruptcy could work for them. However, there are many who are hesitant to file for bankruptcy because they think that the process is complicated and they fear it. Nevertheless, with the right supervision of a legal specialist, there is nothing to be anxious about. All you have to focus on is to prepare all the requirements needed for the filing and prove to the court that you are eligible for the type of bankruptcy that you are applying for. If you are proven to be qualified for it, you can already be under this law’s protection and you will receive assistance in how to resolve your
financial condition.
What are the advantages of bankruptcy? Bankruptcy can help you and your family have a fresh start without the pressure of your debts and lenders on you. Once you are confirmed eligible for bankruptcy, the court will command your lenders to stop harassing and pressuring you through mails and phone calls, and even garnishing your salary. You can also have the chance to decrease your debts or reconstruct your payment structure according to your capability to pay back.
What are the forms of bankruptcy that you can choose from to file for? Bankruptcy has many forms available. However, the most common types that people apply for as an individual are the Chapter 7 and Chapter 13 Bankruptcies. What are then the differences of these two?
The Chapter 7 Bankruptcy, which is also known as the Straight Bankruptcy, is the simplest and quickest form of bankruptcy. This one is just basic liquidation and is structured to aid you in reducing your responsibility for large amount of debt without the need to lose your assets.
On the other hand, the Chapter 13 Bankruptcy, which is also referred to as Wage Earner Bankruptcy, is the form that allows persons, companies or organizations to reorganize their debt payment plan based on their ability to clear it up.
As long as you are qualified to file for bankruptcy and you have the access to all the requirements needed, there is nothing to worry about in filing for this procedure. If you want to learn about bankruptcy more and you are planning to file for it, you can consult a lawyer from Estate Law Group so that you will be guided appropriately if this is the right action for you. You really need a lawyer in the process, especially in deciding on what type of bankruptcy will be applicable your situation.
Obama’s Loan Modification Program: The Government’s Solution to Foreclosure
The U.S. government, under the administration of President Obama, has arrived to the solution of how people will be helped to ease their worries about household foreclosure. The Save Your Home Loan Modification, which is designed to assist house owners who are facing the warning of default on their mortgage, helps in lowering the borrower’s household loan payment. This is included in Obama’s foreclosure prevention plan.
This loan modification program offers a real advantageous assistance. A household loan that is under Fannie Mae or Freddie Mac may be refinanced, as long as their house value does not go beyond 25% of the outstanding balance. This program can also help even those who are not yet at the edge of foreclosure, but are just wanting to prepare in any case, by decreasing their interest rate and making their loan payment equal to or lesser than 38% of the individual’s
income. We can just pray that President Obama’s plan to make it 30% will be approved.
What are the needed guidelines of Save Your Home Loan Modification? First, the applicants must prove that they are real residents of their houses; second, their loan should be under Fannie Mae and Freddie Mac; next, the loan payments must not be delinquent; and this loan offers established lower interest rates.
The standards of qualifications for those who wish to apply for the program have been set by the U.S. Treasury Department. The application requirements that must be submitted consist of a detailed accounting of current gross income, Affidavit of Hardship, and their monthly expenses. Once the applicant is proven qualified, he will have three trial payments before the terms become permanent.
If you are interested to apply for the Save Your Home Loan Modification, you can consult Estate Law Group and talk about the conditions with them. Estate Law Group can guide the applicant in the preparation of the needed documents and be eligible for the program. With this law firm’s expertise in real estate law, and other laws involving finances and properties, people who are planning to apply for this loan modification program can ask assistance from this group, not only for the preparation of the requirements, but even for defending their rights and negotiating with their lenders.