Category Archives: Laws

7 months ago Laws

Why Trademark Registration Can Help Avoid Legal Battles

If you’re on the fence about whether to register your company trademark, consider that attaining trademark registration can save you a lot of legal hassles down the road. Check out a few ways that you can protect yourself and your business’s reputation with a registered trademark.

Legal Presumption of Ownership

When you have a registered trademark, you are the only person (or enterprise) that can use that company name, logo, or slogan. This is a huge advantage and can truly come in handy in cases of infringement. In these situations, someone else or some other entity is trying to use your company name as their own.

However, they aren’t the ones with trademarked name; you are. Therefore, you have legal presumption of ownership, meaning that you have the right to use the brand name and no one else does. This makes legal battles go much more smoothly.

You can actually stop others from using your brand name, subjecting them to legal action if necessary. This kind of power over your business name is well worth the small investment and time commitment that it takes to obtain a registered trademark.

Trademarks Give You More Clout in Court

In the case that an infringement battle does end up in court, you can rest assured knowing that your registered trademark grants you more clout before a court of law. You have the backing of your trademark, which has been registered with the database of the United States Patent and Trademark Office (USPTO).

This makes it simple for authorities to look up your company and see that your registered trademark appears on search results as well as within the USPTO database. It can give you some much-needed peace of mind when battling against someone who is using your company name illegally.

Easier International Business Relations

If you ever wanted to take your enterprise to the next level — international business — then you can do it much more easily with a registered trademark. This helps you in a variety of ways both legally and financially.

First of all, if you have registered a trademark in the United States with the USPTO, then you are already halfway to obtaining registered trademark protection in other countries. Business owners who do not currently have trademark registration with the USPTO will have a much more difficult time getting their trademarks registered overseas.

Without those kinds of trademark rights in the United States, these brands could face legal troubles as they try to get registered in a foreign country.

Legitimate Use of the Ⓡ Symbol

There are lots of companies out there that try to use the Ⓡ symbol on their product packaging, promotional materials, and social media marketing. The thing is that a brand needs to actually register their trademark with the USPTO in order to be able to use that symbol legally.

You can save yourself a lot of legal trouble (and spare your reputation) by properly obtaining that trademark registration before attaching the Ⓡ symbol to your work.

It’s amazing how many brands and entrepreneurs try to plaster the Ⓡ on their content without even bothering to ensure that the name isn’t being used by someone else who actually has the trademark registered.

Do yourself and your company’s reputation a favor and consult an intellectual property attorney who specializes in trademark registration, such as this firm, in order to register your mark before adding the Ⓡ.

In addition, the Ⓡ provides a lot more reliability and prestige to your company since and can be adopted by brands without legally applying for them. Your business will look much more legitimate with an Ⓡ symbol, given that this registered trademark signifier isn’t just handed out to anyone. If you’re a serious business owner, then you need to consider trademark registration.


7 months ago Ethics , Law Firms , Law School , Laws , Lawsuits

Avoid at All Costs: 6 Signs of a signs of a bad lawyer

As of 2019, there are over 1.35 million lawyers in the US. With so many available, it may be hard to choose one.

Just because they’ve passed the bar doesn’t mean they’re going to be good attorneys. Below are 6 signs of a bad lawyer so you know when to end their services.

1. They Don’t Communicate with You

Yes, lawyer’s offices do get busy, but their clients should always come first. It’s understandable that they can’t always answer your calls, but they should promptly return them.

If you feel like you’re always left in the dark and it seems like your attorney isn’t paying your case much attention, that’s a red flag.

2. They’re Unprofessional

As with any job in all industries, professionals are expected to show commitment and good conduct. There may be personal issues that arise, which may affect a person’s ability to work. But other times, it may be a lack of caring.

For instance, if your lawyer never shows up on time or returns your calls, plus files the wrong paperwork, it’s time to look for a more dedicated attorney.

3. They Lie to You

Your attorney has to be transparent with you. They shouldn’t tell you your case is going well if it isn’t. Also, they should inform you if they’ve missed an important deadline.

If they attempt to cover up any negative aspects of your case, your lawyer isn’t to be trusted. Look elsewhere for legal counsel.

4. They’re Not Compassionate

The most important thing is you have a lawyer who can handle your case competently. But another vital factor is how compassionate they are.

Depending on your legal issues, you may need an understanding attorney to lean on. Having someone abrasive and cold can make your suffering even worse.

5. They Don’t Understand Your Case Thoroughly

If you have something such as possession with intent to deliver penalty, it’s a serious and complex crime. You can get anywhere from 1 year to life in prison.

The attorney you have can literally mean the difference between freedom and life in prison. If it seems like your lawyer doesn’t really understand your case, you need to hire someone who can keep you out of prison confidently.

6. They’re Unethical

Have you received a bill and been surprised at some of the hidden expenses that have popped up? Or have they done something illegal while working on your case?

Should you have a bad feeling about your attorney’s behaviors, you should discontinue service with them. Chances are, they have unscrupulous behavior that could get both themselves and you in trouble for perjury with defense.

Don’t Ignore Signs of a Bad Lawyer

Any legal issue can be difficult to go through, so make sure it goes as smoothly as possible by knowing the signs of a bad lawyer. Once you recognize those signs, you can find a much better one that’s willing to fight hard for you.

If you’re looking for an excellent lawyer, use our search function now.


7 months ago Divorce , Family Law , Laws

7 Quick Ways to Determine Who’s the Best of Your Local Divorce Lawyers

Around 40 to 50 percent of American marriages end in divorce. No matter how beautiful your wedding was or what great intentions the both of you had, these numbers ring true.

If you are dealing with a divorce situation, you shouldn’t feel bad about it. The best thing you can do is secure one of the best local divorce lawyers to help you through the case.

You don’t have to be going through a nasty divorce to need a lawyer either. Even if you are trying to dissolve your union amicably, you should consider bringing on an attorney to make sure everything is done properly.

Continue reading this article to learn how to find the best divorce lawyer in your area.

Vetting Local Divorce Lawyers

Whether you are trying to learn more about paying child support after the divorce, how you should set up visitation or other matters, an attorney can advise you on the best practices.

See below:

1. Friends & Family Referral

It is likely that you know multiple people that have gone through divorces at some point in their lives. Ask friends and family for referrals to see how their experience was with their lawyer.

If it has been some time since their divorce, you may need to check and see if the attorney is still in town or if they are in practice at all.

2. Attorney Specialty

Before you choose an attorney, you need to look at your specific case. Some attorneys specialize in dealing with cases that involve children. Other attorneys are best working on cases that have large amounts of money at stake.

Just because an attorney is a good person doesn’t mean they are a good match for your case. You want to make sure they understand the laws around your situation so you can have the best opportunity to get the outcome that you want.

Working with an attorney that is inexperienced with your type of case puts your case in jeopardy.

3. Online Reviews

If you don’t know anyone that has a connection to a local lawyer, you can turn to online review websites. While they might not give you as much assurance as your friends and family, they are helpful when you make your decision.

After you read reviews and find a possible candidate for your case, you can even ask them if you could speak to one of their clients on the phone or in person to hear about their experience with their firm. Many clients are grateful and willing to speak with a potential new client to help the attorney as a thank-you.

4. Length of Experience

While the length of experience isn’t the end all be all, it does play into the scheme of things. If you’re working with a lawyer that doesn’t have any experience, you’re not likely to feel confident in their abilities.

New attorneys should be paired with someone that has experience so you know they have counsel from someone that has dealt with your case before. You may even ask for a discount on your case if the new attorney is put as the lead on your case.

5. Education

Education also plays into your decision-making process as you’re choosing an attorney for your divorce case. Not all educational institutions are created equally and you might want to look at the requirement of their graduation before you put your case in their hands.

6. Cost

Even if you want to find the best attorney to work your case, you simply can’t ignore cost. Some of the top divorce attorneys may be outside of your budget because they only deal with cases that have large amounts of money at stake.

Don’t be afraid to ask about their rates up front so you don’t waste your time with an attorney that is out of your reach.

Depending on what state and city you’re in as well as what type of case you have, the fees of an attorney are going to be different. You shouldn’t wait until the end of your conversation to give them the details and get an idea of how much the bill is going to be.

7. Ease of Working Together

If the divorce is long and drawn out, you’re going to be married to this attorney throughout the duration of your case. You need to make sure that you’re going to be able to work together easily.

If you hire an attorney you can’t stand, you’re going to put yourself through months of discomfort and annoyances.

Find out how frequently the attorney will be able to communicate with you. You should also find out if the attorney will be doing the work themselves or if they task everything to a paralegal.

If you expect to be updated on a daily or weekly basis, you should let them know and see if that is something they are willing to do. When you both have different expectations, no one is going to be happy so make sure to get this out up front.

Also, find out what means of communication you should expect. Do they email updates or call you on the phone? Do they work late or do they leave the office at 5?

These things are important to ask so don’t be afraid to find out before you sign on the dotted line.

Need More Legal Help?

While none of us want to deal with negative legal matters, sometimes it happens and you need help. We’ve put together our blog in a way that is designed for you to be able to easily navigate to topics where you need help.

Bookmark and browse our blog as often as you need and get the help that you need for your specific situation.


7 months ago Laws

Benefits to hire professional essay writers to write Law assignments?

It is very important to have your law essays, assignments, and dissertations without any copied texts. Plagiarism leaves the very wrong impact of the student on the teachers. To get good scores, it is vital to write error-free content that has no mistakes in grammar and spelling.

A plagiarism free content of your law dissertation or essay offers you a very golden opportunity to get good scores. Today, web surfing is an essential part of academic life. Online writing support helps learners in writing their law essays.

Writing essays or assignments is not easy; it needs special practice. This leads to a sweating effort for the students. In the result, most of the students start hating the subject. They avoid writing essays. The root cause of this embraced situation is a lack of practical work and practice. Teaching from only a textbook without any practical work and practice does not excite a student’s mind. This is the situation when they start to ask for help in law writings.

Get High-Quality content online

Taking help from online writing services is the right option. It is very common these days. Content is the most important part of your law assignments. To meet the requirements, high-quality content should be highly effective and representative of your services. You are free to choose your desired essay writers to enhance your content value.

Benefits to hire professional essay writers to write Law assignmentsBenefits you can get from Law Writings

  • You can hire the professional writers anytime whenever you need and contact them again.
  • You can manage your cost and time effectively.
  • The professional writers meet your requirements and writing needs.
  • They show their portfolio and services in a proper way.
  • They will use unique and fresh ideas as per the topic of the essay.


You can get more time to spend on other tasks related to your academic assignments. You don’t need to engage your own family members and friends in creating the content. This will surely save you and others time. You are free to do anything you want to do.

Quality Control for Your readers

Hiring professional writers will result in better content according to client’s needs and make relationships to keep them coming back. New content makes your writings fresh and impressive. Duplicate content can ruin your customers and slow down your online traffic.

Variation of Content

A professional writer or a writing service makes sure that content is not complex for the readers to understand. Content can be lengthy or in a short form depending upon the products. Many people want a precise description, but many loves to read lengthy that’s why the look of the content should be varied with product to product.

Grammar Issues

Punctuation, spelling, and grammar are the main things that should keep in mind while writing quality content. As professional writers have better understating of grammar rules and procedures and are expert in their fields, so they are the one who can provide content which is free of grammar errors.

Understanding of the topic

Before creating content for your assignment, one should be able to understand the strategies and value of the content as per the course requirement. An expert writer has these abilities to deliver such services. An expert not only provides the content but also represent the true vision.


7 months ago Family Law , Laws

5 Reasons Why Parental Control is Important in the Digital Age

Parenting in this digital age is no longer easier than it used to be in the past. Rapid advancement in technology is presenting new and difficult challenges for parents to keep up. Protecting your kids from dangers posed by digital technology and internet has become essential. Luckily, there are some excellent and advanced tools available for parental control, including monitoring apps. These apps and tools allow moms and dads to set controls on their kids’ internet activity. With the ease of access, internet exposes your kids to various threats like identity theft, cyberbullying, social media scams, and malicious content. That is why parental control has become an essential requirement to protect your kids. Here are some reasons why parental control is important in this digital age.

5 Reasons Why Parental Control is Important in the Digital AgeProtect Kids from Objectionable Content:

The reality is that objectionable content is everywhere on the internet and most parents feel helpless to shield their children from it. Parental control is the only effective way to administer the digital devices of your children. With these controls, you can restrict the access of your kid’s device to refrain from viewing inappropriate content. YouTube also has an age restriction feature to prevent suggesting and viewing adult content to kids. Internet scheduler is also a type of parental control that allows parents to set a specific time for internet access. This prevents your child from internet addiction.

Allows Website and Category Blocking:

In many cases, parents cannot identify all the websites that are inappropriate for their kids. Such websites can be restricted by blocking the entire categories. Parental control tools allow you to do this. For instance, if you want to block access to all websites that contain adult content, you will just have to block the ‘Adult’ category. The categories of websites are named as adult, social networking, gaming, downloads, etc. The category blocking feature also allows you to create an exclusion list of websites that are included in a blocked category. For example, if you have blocked the category of Social Networking but you want to allow access to Facebook only, then simply add its URL to the exclusion list.

Ability to Fight Cyberbullying:

Cell phones and the internet has made children more vulnerable to bullying and abuse through social media and text messages. KidSecured is a parental control app that allows you to see the outgoing and incoming messages and calls through Viber, Tinder or GSM. This way, you can be aware of who is contacting your kid and what conversation he is having with his friends.

Limiting Downloads to Keep Your Devices Safe:

Kids can be easily deceived and fooled and this makes them prime targets for cyber-criminals and hackers. Children are more likely to download apps and programs that look genuine but are actually malware and viruses. It can lead to dangerous outcomes and your data can get leaked that might contain confidential information like passwords, bank account information, and media. Moreover, the viruses can lock your computer, cause operational problems and can even spread to other devices connected with it.  Parental controls allow you to limit downloads from untrusted and suspicious sources. You need to be wise enough to control what your kids can or can’t download so that your computers and networks can be kept free of malware and viruses.

Increase Familiarity with Technology:

One of the prime benefits of using parental control applications is that it increases your familiarity with new apps, devices, social sites and more. While you have your own cell phones and devices, your kids may be using the apps that you haven’t used. That’s why you may find it troubling to navigate the apps and sites your kids use. Taking control of the kids’ devices allows a better understanding of what they are using and how they are using them.


7 months ago Laws , Law School

Law Studies: Different Types of Attorneys and Why You Might Need One

Statistics from the American Bar Association state that a total number of 23,401 law students who graduated in 2018 secured full-time employment. This represents 68.4% of all students who took their bar examination. These figures show that law is still an attractive career for many and the rate of employment high.

Not all attorneys are the same. Understand the different types of attorneys and find out if you need one for yourself or your business.
In this article, we highlight different types of attorneys and why you might need one.

Law Studies

Lawyers in the US go through rigorous three-year training. Unlike many other countries, law school in the US is at the graduate level. The curriculum for law school aims at building a career of a lawyer that can handle different matters in the public.

Not all lawyers spend their time in a court of law, but at times, qualified lawyers can be called upon before a judge in what is called litigation. Law is a very diverse field that not a single lawyer can master all the laws and statutes hence the need for specialization.

A lawyer picks on a single area and specializes in it. This way, they are able to become experts in this field. Once you know the types, you will be in a good position to know how to find a good lawyer.

Below we will list and expound on the types of lawyers.

1. Civil Rights Lawyer

These are sometimes called constitutional lawyers. They specialize in matters that touch on basic human rights, violations of rights, gay rights, and compensations. They also work with lawmaking entities like Congress to develop national and local laws.

2. Immigration Lawyer

This category of lawyers helps people seeking legal status to be citizens of any country. They also fight deportation orders or violation of immigration laws.

3. Criminal Defense Lawyer

This is a major cadre of lawyers as it deals with matters about criminal conducts of their clients. These include murder, theft, gun rules violation or drug-related charges. Based on the work they do, they are most sought after in helping individuals avoid jail terms or harsh fines.

They are known as the best lawyers when it comes to litigation or performance before a judge or a jury.

4. Corporate Lawyer

A corporate lawyer deals with business matters. They help you incorporating companies, ensuring licenses are in order and generating contracts. They are also involved with issues of mergers and acquisition. They are also involved in ensuring the company shares are in order.

Besides, they defend a company that has been sued by another in cases of breach of contract. They safeguard the legal interest of a company both before a court of law (litigation) and in the boardroom.

5. Traffic Lawyers

Traffic lawyers concentrate much with issues touching on road accidents and compensation thereafter. There are various lawyers who pick a subtopic of this and specialize further. For example, in this article, a law firm has specialized in bicycle traffic rules.

6. Real Estate Lawyer

This is a type of lawyer who is interested in ensuring a firm or an individual acquires a property lawfully. They facilitate the proper signing of deeds that will be proof of ownership. Real estate lawyers help you meet local authority requirements when having a real estate development.

7. Personal Injury Types of Attorneys

As the name suggests, these types of lawyers work with you when you get a body injury, either through an auto accident or at home. They work with medical insurance companies and other insurance entities to compensate you in case of a physical injury.

8. Bankruptcy Lawyer

This is a growing class of lawyers in tough economic times. A bankruptcy lawyer will advise you on the best way to file a bankruptcy suit and what you stand to lose by this move. They shield you against losses that you might find yourself in when your income is in jeopardy.

9. Tax Lawyer

A tax lawyer works with you to ensure you meet your obligations of both state and federal tax requirements. Tax lawyers also work with you in case the IRS comes after you for a purported tax offense.

Tax lawyers can work for an individual or a firm. They are sometimes considered commercial lawyers as they advise firms on tax matters and how to sort tax disputes.

10. Employment and Labor Lawyer

If you need to know how to deal with your employees or sort a labor dispute, contracting an employment lawyer might be the right decision. They are trained in reading through labor-related contracts and labor laws to ensure you get a fair hearing. And in case you are an employee, a labor lawyer will handle your dispute with your employer to ensure you get the compensation that suits you.

Sometimes people hire labor lawyers to help them go through employment contracts to avoid disputes in the future. This action ensures that you only sign for a contract that you understand what it entails.

11. Family Lawyer

A family lawyer deals with family matters including marriages, divorce, and custody of children. They also deal with disputes on ownership of children, abuse related matters in children courts and inheritance.

Most of these lawyers operate in civil courts but can also find themselves in criminal cases. These cases include issues of abuse of children that are criminal in nature.

Lawyers Are Diverse

We have seen the different types of attorneys and what they do. Understanding the area a lawyer specializes can help you know how to find an attorney. Sometimes it is good to look through the categories provided in lawyers’ listings and decide which one suits your need.

We provide an online directory of lawyers that can help you sought out your legal problem. You can visit our site to learn more on various issues about lawyers.

The information includes types of cases, legal matters, means of defending yourself and other issues that might worry you about the law. Check out our blog for more information for more legal information!


7 months ago Elder Law , Laws

Respect Your Elders! Here’s 5 Rules That Elder Law Says Nursing Homes Need to Follow

Several state and federal laws protect residents, including the elderly, in nursing homes. These regulations entitle nursing home residents to privacy, security, and optimal health.

The elder law requires that nursing homes should offer quality services. These services should promote the mental and physical aspect of residents. This should be according to the documented plan of care.

The Nursing Home Reform Act makes up the main guidelines for nursing home laws. The Act has guidelines for each funded nursing home. State and federal laws also allow residents and their loved ones an important right.

They have a right to speak out their complaints about the facility. At times, the elderly can get harmed because of abusive or negligent behavior. If that happens, they can take legal action and hold the nursing home accountable.

Below is a simple guide to the Elder Law and its implications.

History and Background

The Nursing Home Reform Act came into force under the Omnibus Budget Reconciliation Act of 1987. The role of the Nursing Home Reform Act is to regulate nursing homes. The regulations target nursing facilities that seek funding for Medicaid or Medicare services.

The Act ensures that residents get protection in various aspects. These aspects include dignity, privacy, individuality, and medical needs.

Elders in a nursing home should receive the best care. Such care should be free from abuse, isolation, or unsuitable medical treatment.

Rules that Elder Law Requires Nursing Homes to Follow

The Nursing Home Reform Act put in place guidelines for the functioning of a nursing home. Residents in a nursing home must receive a good care plan. The plan should cater to their physical, mental, and psychological welfare.

Each of them stands to enjoy the following rights.

1. Aging Residents Have Basic Rights

Persons in a nursing home should enjoy basic rights like those listed in the U.S. Constitution. Nursing homes should promote the quality of life of patients as much as they can. The physical, psychosocial, or mental state of a resident may not decline if it is avoidable.

Residents have a right to keep banking or personal property funds with the nursing facility.

Residents should bathe, eat, dress, communicate, groom, ambulate, and transfer. Their ability to do these things should not deteriorate unless it’s unavoidable. If the residents are unable to carry out certain tasks, the facility should offer help.

Besides, each nursing facility should have enough employees to meet the residents’ needs.

The elders in a nursing home have a right to take part in the creation of their care plan. Moreover, they have the right to choose their best physician. They should also access their medical documents.

Residents in a nursing home may plan or take part in a resident or family council. Furthermore, residents should be free from inappropriate physical or chemical residents.

2. Health and Safety

The federal nursing home regulations need nursing homes to meet nutritional parameters. This includes providing adequate fluid intake to patients to maintain hydration. They should also provide pharmaceutical services to residents.

It’s essential for nursing homes to undergo inspection. The inspection will enhance the residents’ safety and hygiene. Inspectors ensure there’s proper handling of medication, food, and contaminated materials.

Nursing homes should help patients not to develop bed or pressure sores. Residents who develop these sores must receive appropriate treatment. The treatment should hinder infection, enhance healing, and prevent the recurrence of sores.

3. Full-Time Medical Care Cut-Off

Most states don’t need a person in need of constant nursing care to live in a nursing home. Most nursing home facilities can provide residents increased help with various medical tasks. The tasks include insulin administration, blood glucose testing, and medical management.

But, even quality nursing homes may not admit people that need constant medical care. Thus, if a loved one requires continuous care, consider taking them for home health care. You could also place them in a different skilled nursing facility.

4. The medication adherence rule

Residents reserve the right to control the receipt of medical services. This happens based on informed decision making, including the refusal to take medication. But, in some states, residents must take the prescribed medication or risk discharge.

A reputable nursing facility will record the refusal. They will also get in touch with the resident’s doctor and allowed family members to find a remedy. But, the facilities are not under any obligation to keep elders who put their own health at risk.

The rules on who should provide medications in assisted living homes can be challenging. You should establish which workers have permission to help residents with medication.

Besides, determine the extent of help the law allows them to help and how they deal with related issues. This will help you decide which prospective nursing facility offers adequate help. And their help should suit your senior loved one.

5. The Care Plan Mandate

Most states need workers in a nursing home to assess the needs assessment of every resident. This should happen after admission to create a personalized care plan.

In Georgia, for example, this should happen within 14 days after admitting an elder. The plan is subject to evaluation every year, and whenever the elder’s care requires change.

In California, the care plan of an aging adult must contain a list of their likes and dislikes. It should also contain suggestions for their preferred community-based social activities.

It’s also essential to inquire about the care plan policies of a prospective facility. You should access a document of the current plan whenever you want. Feel free to request the team in charge of care to address any issues and possible changes.

Elder Law

The elder law has many rules for nursing homes. But, only a few of these may apply to an aging person looking to join an assisted living community.

Even so, knowing more about the policies surrounding residential care is important. It will help you to figure out the type of questions to ask potential nursing home providers.

Contact us for any information regarding elder laws.


7 months ago Laws

An Insight Into Laws on Credit Bureaus that you must know

Most people are not aware of legal rights when it comes to credit reports and credit bureaus. To make informed choices and decisions, one must know what they mean and how important they are when it comes to lending and borrowing. A credit bureau is an organization that collects and maintains the credit information of an individual and sells it to consumers, creditors, and lenders. This information is sold in the form of credit reports.  

There are several credit bureaus in the USA; however, the biggest names are TransUnion, Equifax, and Experian. These credit bureaus not only collect and maintain credit reports of people, but they also offer several solutions that enable a business to make better and informed decisions.

What kind of information do credit bureaus collect?

The credit bureaus collect a lot of information about an individual. This information relates to the credit history of a person, and it begins from the time that the credit account is opened. For example, credit bureaus will collect data that pertains to the sum of credit that one uses, , the amount of available credit, public record details like foreclosure, tax liens and repossession. These credit bureaus also keep information like the present and past addresses, present and past employers, birth date, information on salary, and more if available. With this information, the credit bureau will not calculate your credit score but will use it to verify your identity.

Where is this credit information sourced from?

Credit bureaus rely on banks and other businesses to get consumer information. Most of the companies that you conduct business with send reports regularly on accounts that are open. These credit bureaus derive information from public court records as well. When it comes to getting information, these credit bureaus deploy different methods, and they will never share information with one another.

Credit bureau data- who uses them?

The most common users of credit bureau data are issuers of credit cards and banks. Several other companies check with credit bureaus to make key decisions on you. Insurance companies, employers, landlords, and other debt collectors request information from these credit bureaus.

Banks and insurance organizations are able to get pre-screening lists from credit bureaus. These companies need this list for reaching out to potential customers with product and service offers. For instance, a credit card issuing company might request a credit bureau for a list of individuals that have a high credit card balance so that they can send these consumers promotions as well as offers for credit card balance transfers. This is why you get credit card offers that have been pre-approved in your bank account and how an unsolicited mortgage refinance offers lands on your doorstep.

Understanding the laws pertaining to credit reports and credit bureaus

Credit bureaus come under by The Fair Credit Reporting Act or the FCRA in the USA. This Law is a Federal Law, and it provides guidelines on how credit bureaus must function. The Law provides consumers to get an exact credit report; however, if one finds disputes in their credit report, they can approach the credit bureau for rectifications. Here, the credit bureau conducts an investigation and corrects the mistakes that have been reported by you.

Free credit reports by credit bureaus

One can also get a free credit report from these credit bureaus. However, note that the credit reports of two credit bureaus are not similar. For instance, an Equifax free credit report will differ from that of a TransUnion free credit report. Again, in some cases, the whole account might be missing from a credit report. One has the right to request a credit report from any of these three credit bureaus. Under The Fair And Accurate Credit Transactions Act of 2003 which is an amendment to the FCRA Act, an individual has the right to one free credit report every year from each one of these three credit bureaus along with agencies that offer consumer reporting. You are entitled to get a free credit report from any one of the above three credit bureaus if-

  • You have a rejected application due to the wrong information posted on your credit report
  • You are unemployed and plan to look for a job within 60 days
  • You are supported on welfare
  • You have been a victim of identity theft

There are errors in your credit information

You should never take your credit report for granted. Do not assume that everything listed on your credit report is accurate. There can be errors in your credit report, and it has been seen that at least one in every 20 people have mistakes in their credit report. There are instances where the mistakes of another person will land up in your credit report. This takes place mostly when the name or personal information is more or less the same as yours. However, under the Federal laws of the USA, you can apply to rectify a dispute. The process might be complex; however, it does give you the chance to rectify mistakes in your credit report with success.

Note that a credit bureau can only give you information. This data is used by creditors and lenders to accept or reject an application. The bureau does not have the legal right to make any decisions relating to credit. In case, you believe that a decision has been done in error, you may request the business to re-check the credit report to make sure there are no further mistakes that will impact your ability to get approval.

Therefore, from the above, it is evident that credit bureaus and credit reports provide information to creditors and banks when it comes to any lending matter. One should be aware of one’s legal rights when it comes to the access and viewing of credit reports. In case, errors are spotted, one should make sure that they are rectified by notifying credit bureaus and have them make the corrections post verification with success.


7 months ago Laws

Is It Against the Law to Stream Unauthorized Content on a Jailbroken Firestick?

Amazon FireStick is a popular streaming device that allows you to easily convert your TV with HDMI compatibility into a smart TV. FireStick allows you to stream content from an array of online entertainment services like Amazon Prime Videos, Netflix, Hotstar, Hulu, and many TV Networks. Here’s the rub. Owning an Amazon FireStick only grants you access to content offered by Amazon.

Owners have learned, however, how to “jailbreak” their own FireStick to gain access to programming not offered by Amazon.. If you’ve been wondering if it’s illegal to jailbreak an Amazon FireStick, let’s clear that up immediately.  The answer is a resounding NO! It is absolutely legal to “hack” your own FireStick simply because the FireStick is YOUR PRIVATE PROPERTY. In fact, when people refer to an Amazon Fire TV Stick as “jailbroken,” it simply means that they have installed media server software (typically KODI) to expand their viewing choices. What makes this question tricky is that you can enjoy your Fire Stick in whatever way you choose–until you infringe on the rights of another or you violate a national statute such as viewing pirated content.

Sometimes, it can be tough to know what’s been pirated, however, when searching for content., and that’s where FireStick users can get themselves into legal trouble.  In order to protect themselves, many users create a Virtual Private Network (VPN) to circumvent the possibility that they are “spied” upon while viewing. A VPN offers many advantages to its users by encrypting connection to prevent hackers or their ISP from spying on their on-line activity. It is also the best way to circumvent government censorship and banned websites. So, a question may arise whether VPNs are legal. For the most part, the answer is yes. But depending on your location, the laws might get a little more complicated.

VPN helps viewers to access the internet without leaving any trace of their online activities which are usually under close monitoring when using Wi-Fi and open networks. By using a VPN, you can access any website or video streaming service such as major sporting events like the NFL for free. No one can ever detect your online presence, and you are at liberty to access the internet in the way you want. In the process, viewers can avoid subscription costs, and the money-saving aspect adds to the enjoyment of viewing selected programs without any fear of trespassing the law. However, you may have to sacrifice speed when using VPN as it is not possible to get the best of everything.

VPNs are an essential tool for safe internet access. They protect you from hackers and snooping parties like your ISP or government. Not only that, they allow you to bypass geo-blocks so you can always stream your favorite content. Finally, they give you the most important thing—privacy in the online world. So if you want to browse safely and if you stick to legal activities, then using your jailbroken FireStick is guilt free fun!


8 months ago Law Firms , Laws

Does Your Law Firm Website Meet ADA Compliance Standards?

When people are in a pinch and looking to hire legal services or check attorney references, they typically chose to do so online. And with the introduction of smartphones, most people can bring up a law firm’s website from almost anywhere they go. Clients can access your company’s website in the car, on a private jet, and even on their wrist from a smartwatch. While all of this accessibility is great for most of your potential clients, without a website that meets ADA compliance standards, you could be alienating a large group of people who choose to search for legal help online. So, what is ADA compliance and why is it important for your law firm’s website? Keep reading to learn more about the importance of maintaining your ADA compliance status and the benefits of working with a reputable IT service company to handle the hard work for you.

Is Your Website ADA Compliant?

Did you know that the Americans with Disabilities Act (ADA) was enacted almost 30 years ago? This important civil rights law was designed to protect the rights of people with disabilities, prohibiting discrimination against them in terms of employment, public services, public accommodations, and telecommunications.

When the ADA act was signed into law in 1990, it paved the way for people with disabilities in a very physical sense by requiring businesses to offer designated accessible parking spaces, raised markings on informational signage, accessibility ramps and more. But up until recently, these accessibility guidelines did not extend to the online space. In January 2018, new ADA regulations were put into effect to ensure that people with disabilities are able to access business websites with ease. Some of the key elements you can take to ensure your website is accessible to people disabilities include:

  • Reviewing the Website Content Accessibility Guidelines or WCAG. Here you’ll find useful recommendations on how to make your website more accessible for everyone.
  • Use the Google WAVE Tool to conduct an audit of your website as it is now. Unsure of how to complete an audit on your own? Simply enlist your IT services company to help!
  • Take the time to ensure that any images on your website include descriptive alt tags. These helpful tabs are utilized by screen readers and players, as well as voiceovers to describe different elements on your website.
  • Review the varying styles and elements that make your website unique, such as the links, headings, and buttons. Remember that your website should be accessible to all visitors. So, if your font style is too small or you’ve used a combination of a light background and light text—it may be hard for everyone to find the information they need.
  • Ask your IT services technician to audit your website’s code and CSS. This is the best way to clean up any outdated code and make sure that you’re following best practices.

What Happens if Your Website Fails to Meet ADA Standards?

Research shows that as many as 70 percent of potential customers will leave a business website if it isn’t accessible. Aside from possible legal ramifications, it’s in your best interest to make sure that your website is accessible to every potential client browsing the internet. If you create a website that can be easily understood and accessed by everyone, you’ll be opening your firm to an audience of some 60 million disabled Americans.

One great way to look at meeting ADA compliance standards is to think of them as another form of search engine optimization. If you’re already taking the time to make sure your website ranks well on Google and other popular search engines, it should also be optimized to meet the needs of every potential new client.

How Can I Ensure My Website Looks Great and is Accessible for All?

Even the most tech-savvy business owners know that when it comes to coding, it’s best to leave the hard work to the professionals. While you may be able to keep up with some of the minor changes that your website will need to be ADA compliant, striking the perfect balance between a professional looking website and a fully-functioning one can be quite difficult. Along with these intricacies, working with a reputable IT services company can help to protect your client’s sensitive information from phishing scams and cyber attacks.

Putting your trust in the hands of a capable IT team also means that you can spend your time focusing on what really matters, helping your clients and guiding them through the legal process. A knowledgeable IT technician can also keep your website and software applications up to date with the newest additions and any changes to important regulations. With the help of an experienced IT services company, you never have to worry about your website being ADA compliant and you can rest easy knowing that your website will function properly.

Learn More About LI Tech Advisers

LI Tech Advisors provides a wide range of technical service for businesses across the greater Long Island, New York area. Some of the services we offer include IT support, network configuration, disaster recovery, wireless networking, and more. With over 30 years of experience in the industry, we’re proud to be one of the top IT services companies in the greater Long Island, NY region.



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