
Safe Passing
November 9, 2009
How Dog Owners Can Avoid Being Bitten by a Lawsuit
May 27, 2008My Attorney has gone to the dogs this month. Read below for part of the newsletter Scott Seifert with Hiersche, Hayward, Drakeley & Urbach, P.C. and his firm produce monthly:
The numbers are up, and it’s not good news: Dogs bite 4.7 million people every year.
The explanations are nearly as numerous as the pet dogs, now counted at more than 62 million. Some speculate that Americans, frightened of crime, are favoring fiercer breeds. And busy owners too often leave their pets home alone, untrained and unsocialized. Dogs that spend a lot of time by themselves (especially if they’re tied up), aren’t used to being around strangers and haven’t received basic obedience training, are prime candidates to bite.
But most states now make owners liable for any harm their dog causes, whether or not the owner had reason to suspect that the dog was dangerous. Dog owners can find themselves on the hook for an injured person’s medical expenses and lost wages, or even the therapy bills of a traumatized child. The dog owner may not be liable if the dog was provoked, or if the injured person was trespassing, but claims like these are often very hard to prove after the fact.
It’s far better, of course, to avoid injuries rather than fight about legal liability after they happen. And the truth is that dog owners could prevent most bites.
The Six Stages of Mediation
April 28, 2008New Term For A Foreclosure:
April 20, 2008The new term that is used to describe a person claiming foreclosure is “the walkaway.” Fannie and Freddie are looking to make folks rethink walking out on their mortgages. Both are releasing new guideline changes for how Lenders can approve a file after a foreclosure appears on the clients credit history. You will need to bring at least 10% down, have a 680 or better FICO score and have to write a letter explaining the foreclosure. Fannie now says 5 years must pass before you can get a loan and Freddy says 7 years. I can’t say I agree with this change, as it will have folks turn to other sources of lending that might not be optimum. In few years, we could get ourselves back in this sub-prime mess again. The only true answer is to be patient, rent and rebuild your credit score while you wait it out.
Focus on the Solution, Not on Blame
January 28, 2008Angry tirades often reduce your chance of getting assistance. Instead, keep your cool and try to calmly explain exactly what went wrong and how you propose that it be fixed. The adage “You’ll get more bees with honey than with vinegar” should be your mantra.
Many people become obsessed with assigning blame for the problem rather than focusing on possible solutions. Worrying about who was at fault is generally a waste of energy, and it derails the discussion away from the ultimate goal of finding a solution. Rather than making a hotel manager defensive by accusing him or her of losing your reservation, try to get the manager on your side so that you can work toward a solution together. If you apologize for your travel agent’s apparent mistake, and let the manager save face, you’ll almost certainly get a more cooperative and prompt response.
Posted by friscomortgageguy 