Hire a Lawyer With Expertise Who Gives You an Upper Hand in a Law Suit Against Your Lenders

It is after months of savings and years of aspiration that you finally decide to purchase your dream house. And if you are living in a country like the USA, taking a house loan is unavoidable if you belong to the mid-income group. This again entails a thousand odd processes and acute planning down to the finest detail. In the entire procedure, buying the house at the earliest remains your top priority. Many a times it so happens that you sign the loan papers hastily without delving much into it. It is during this time that unscrupulous lenders take advantage of your haste and trust and mislead you. And if it is related to matters of mortgage, things become even more tricky and complicated.

It is in such situations that a formidable attorney can do justice to your situation. And the good news is that a lot of law firms are coming out and staging an aggressive fight against this menace. And most of these firms have a pan America presence with established lawyers at their disposal. They use multiple State and Federal Laws and experienced professionals in an attempt to keep clients in their homes and that too in an affordable way. But the main criterion for a successful outcome is that you cooperate in the entire process and do not miss out even the minutest details.

Once the lawyers have enough information, they will use both the State and Federal Laws along with a securitization loan audit analysis to gain leverage in order to obtain a favorable settlement so that the default lenders are proved guilty. The securitization analysis acts as a lethal weapon in successfully bringing or defending an action against your lender. Your loan may be part of an endless flow of missing documents and discrepancies that can be uncovered using the securitization loan audit analysis. The purpose of loan audit is to detect violations within your loan documents that can be used to your advantage under the Truth in Lending Act or the Real Estate Settlement Procedures Act.

Such litigations are generally beyond the comprehension and control of the common man which is why you need expert advice and suggestions from quality lawyers who specialize in such form of defense. Debt consolidation refinance is another slippery area which you should tread with utmost caution. An astute attorney will easily guide you through this.

Again, there is the foreclosure defense which the law firm uses to defend you against your lenders. A competent lawyer will provide effective foreclosure defense representation by thoroughly analyzing the documentation and complaints put together by the lenders. However, do make sure that you provide the exact sale date on foreclosure because without this, the lawyers cannot corner the offenders. Your debt could be erased in its entirety but most likely your attorney can delay a judicial or even a non judicial foreclosure and very often lower the balance of the loan to a significant amount.

Basic Information on Paralegal Jobs

A paralegal is a person who helps lawyers in their work. They are non-lawyer people, i.e. they are not licensed to practice in a court of law. But this only holds true in the United States and a couple of other countries. In Canada, paralegals have an independent status according to the law. They are not the same in every country. In the United States they are not allowed to offer legal service to the public in any way as they are not officers of the court and are not licensed to do so. It is the opposite in Canada. Paralegals in Canada are allowed to provide legal services to the public and appear before certain lower courts and legal tribunals.

Paralegals started off as legal assistants. In some jurisdictions a paralegal was a person that worked with a lawyer but wasn’t a lawyer themselves. This still holds true in some nations like the U. K where a paralegal is defined as a person that is not a lawyer but does legal work. The biggest difference between a lawyer and a paralegal is that a lawyer can give legal advice and appear in court as counsel, set fees and sign pleadings as representatives. Although a paralegal is probably knowledgeable to give legal advice, doing so will violate the practice of law statues.

A paralegal is expected to perform a host of tasks. These are –

Contacting clients, handling the interviews and following up with the client.
Conduct case investigations and perform background research.
Work on preparation and drafting of legal arguments.
Organizing the case documentation and assist the lawyer in the courtroom during proceedings.
A paralegal can either work for a firm or as a consultant depending on the job experience they have. A paralegal that is fresh out of college work with firms to gather experience and later work as consultants for individuals or firms. This is a great job for people that like doing research, organizing and streamlining.

Here are some guidelines on how to become a paralegal. A paralegal is required to have a degree course that is approved by the Bar Association. They are also required to have good communication skills and be efficient with computers. The cost depends on the degree you choose to do. After the degree you are required to clear the Certified Legal Assistant (CLA) exam conducted by the National Association of legal Assistants. Formal education is followed by training with a lawyer.

There is no fixed parameter for a paralegal salary. The average salary ranges from $25,000 to higher than $100,000 depending on a number of factors like experience and location. The entry level salary for a paralegal is $30,000. But do not be daunted by these numbers. There is plenty of opportunity to make extra money by doing overtime. In fact, you will be required to do so during a trail or when the office is really busy.

So if you are planning on becoming a paralegal prepare yourself for hard work, long hours and good money.

Experienced Lawyers Help Keep Youth Out of Jail

Reports suggest that a large proportion of cases being heard in Canadian courts examine charges against accused criminals under 18 years old.

While courts in Canada heard about 400,000 adult cases involving more than 1 million charges in 2010/11, courts dedicated exclusively to hearing youth matters completed more than 52,000 cases involving more than 178,000 charges.

Across the country youth courts completed fewer cases — except in Manitoba where there was a 3% increase from the previous year.

A decrease of about 15% in youth court cases completed was observed in Nova Scotia and a decrease of about 13% in Prince Edward Island.

About 75% of the cases in youth court do not involve violent offences. Rather, the most common charges considered in youth court involved a failure to comply with a sentence and breaking and entering.

In 2010/11 the youth courts heard fewer cases involving fraud, mischief and uttering threats.

However, there were more cases of criminal harassment, more probation breaches and a higher volume of failure to appear cases.

The Youth Criminal Justice Act is the guiding document to which law enforcement officers, lawyers and judges refer in litigating youth court matters.

The punishments associated with charges are specific to the Act. Youth who are charged with a criminal offence require representation by a lawyer familiar with it.

Toronto criminal law firms offer a deep pool of lawyers who have experience with the Act.

Finding an experienced lawyer increases the likelihood that a youth charged with a crime will have the best chance of receiving a fair trial.

The consequences of not retaining an experienced lawyer from a Toronto criminal law firm can be dire. In 2010/11, about 57% of youth court cases resulted in a finding of guilt.

As in years past, reports suggest that the courts most often ordered youth to a probation sentence. Of all sentences imposed, almost 60% of those accused received probation of up to 365 days.

It is becoming less common than in years past for youth convicted of a criminal offence to receive a jail term sentence.

In 2010/11, about 15% of those found guilty in youth court went to jail as compared to in 2000/1 when about 30% received custodial sentences.

Where jail terms were delivered in 2010/11, the median length of custodial sentences imposed by youth courts was 35 days.

Jail terms associated with murder convictions were significantly longer.

Youth accused of a crime are encouraged to retain lawyers who have experience with the Youth Criminal Justice Act. Hiring a lawyer experienced in defending young offenders can make a huge difference to the outcome of your case. Make sure the lawyer you hire has relevant experience. It could make the difference between serving jail time and a much lighter sentence, such as probation.