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RetCopPrlgl

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About RetCopPrlgl

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  1. Hard to say. With an isolated incident, it doesn't appear that it meets the requirements of issuing and HRO. Still, as juvenile and childish as your public outburst was, I'm sure the Judge thought otherwise. Under Minn. Stat.609.748, harassment is defined as: A single incident of physical or sexual assault; Repeated incidents of intrusive or unwanted acts, words, or gestures that have a substantial adverse effect or are intended to have a substantial adverse effect on the safety, security or privacy of another (eg: repeated phone calls, following a person, repeatedly coming to the Petitioner’s home after been told not to do so); Targeted residential picketing; A pattern of attending public events after being notified that one's presence is harassing to another. Note: The Respondent includes any adults or juveniles alleged to have engaged in harassment or organizations alleged to have sponsored or promoted harassment. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  2. JaneDoe48 said... would a counselor breach confidentiality if she disclosed to parents that their 13 year old daughter was pregnant No. Confidentiality doesn't apply to "mandatory reporters" of child abuse, neglect, or sexual assault. Since a 13 year old girl cannot legally consent to sexual activity, it falls under the Maryland Code for sexual assault (whether consensual or not). JaneDoe48 said... The daugher does not want to tell her parents. What is her plan ? She can't have an abortion in Maryland without parental notification. MD law doesn't require parental consent, but parental notification is required. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  3. Now that I've had time to read through part of what I provided to you, it appears that the application for disability discharge is filed to the ORIGINAL LENDER, not the servicer. The lender has to submit it to the U.S. DOE. Sounds like there's a huge mess here. If you submit the form to the servicer, they're required to send it on through to the lender, who forwards it to DOE, but the lender, essentially has the final word, although you can appeal through DOE later. Read the packet. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  4. Gino31 said...i'm not ready to enter into a marriage but want to show my girlfriend of two years a level of commitment A civil union in Illinois is no different than a marriage as recognized by Illinois law. Therefore, you're just as committed. Gino31 said...be able to put my opposite sex girlfriend on my insurance For purposes of insurance laws, policies, eligibility, and benefits governed by Illinois law, a spouse in a civil union and a spouse in a marriage are to be treated identically. Gino31 said...i was wondering what are the legal ramifications of a civil union if things don't work out? I belive like a marriage i would need to dissolve the civil union. Same as a marriage. Section 401 through 413 of the IMDMA (Illinois Marriage and Dissolution of Marriage Act). Gino31 said...Are there other financial ramifications for dissolving the union The cost of a divorce attorney if and when the time comes. Gino31 said...what steps can i take to protect myself? Stay single. Sounds like you're still having a problem with commitment here. You apparently think that the Civil Union is a test drive and a "gesture" of commitment without really being one. You'd be wrong. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  5. sweetgrier said... I did not report to the insurance company because they had been so good to me during the time I carried my children on my policy. That makes NO sense whatsoever. Georgia code (Title 33) doesn't specifically address a time period in which the insured is required to file a claim for stolen property. This is generally a matter of the contract of insurance addressed in the policy at the time of issue. sweetgrier said... I called to cancel the policy in april 2011 and told them the truck was stolen but I was not making a report at that time. Why on earth not ? The only thing that matters, generally, is that there was a valid policy at the time of the loss. sweetgrier said... They finally decided to cancel me in december 2011 and I decided to file a claim for the stolen truck on january 17 2012 . I thought you cancelled the policy in April 2011 ? Now, one year later, almost to the day, you decide to file a claim on the stolen vehicle, and expect NOT to get some resistance ? sweetgrier said... They denied the claim because they say i did not report in a timely manner. "Proof of Loss" provisions in most contracts for insurance requires the insured to act in a "timely manner". The requirement of the "timeliness" of the claim is to allow the insurance carrier sufficient time to investigate the loss so as not to be prejudiced by a lengthy delay. The industry standard is generally 90 days. You still have appeal rights, but I don't see you being very successful. For clarification, you can contact the Georgia State Insurance Commissioner's Office. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  6. tqSTARLITE said... The employer is making her take these adults to see relatives that are dying in the hospital. My guess is that's one of the "essential functions of the job". She can't pick and choose what tasks she's willing to do. tqSTARLITE said... She refused, and the employer made her do it anyway The first two words would normally have gotten her fired. tqSTARLITE said... does she have any rights that pertain to this issue? Sure she does. She has the right to refuse and be fired for it. She has the right to find a job where she can write her own job description, if one is available in this universe. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  7. Addressing only the reverse mortgage - When the borrower dies (let's assume, for simplicity, this is the only borrower) the mortgage has to be paid off. There are no payments. If the home has to be sold to pay off the mortgage, that's what has to happen. The estate will owe the balance of the reverse mortgage, along with any accrued interest and fees. If the home is sold, and the sale price exceeds the reverse mortgage, interest, and fees, the equity remains with the estate. A reverse mortgage is a non-recourse loan, which means that, if the property sells, but doesn't bring enough to pay the mortgage, plus interest and fees, the lender takes the loss. Most of these mortgages carry insurance to cover that loss. A restriction is that the sale of the home has to be a bona-fide third-party sale. It cannot be sold to a family member at less than market rates for less than what is owed on the reverse mortgage (plus interest and fees). That's not to say it CAN'T be sold to a family member. There are no restrictions on sales to family members, just in the case of a balance of the reverse mortgage being higher than the value of the property. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  8. You realize you posted something from Illinois law in a thread about Pennsylvania, right? Dammit !! My mouse button stuck. I had the other cite highlighted and should have looked before I hit the post button. Thanks. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  9. It wasn't advice, but a suggestion. But, you're welcome. And, you should always run this stuff by a qualified attorney before venturing out based on what you read on a public message board. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  10. It seems you're on a Chapter 13 Plan ? rthoele said... All debts are paid, Could that be all SECURED debts are paid ? If you're in Chapter 13, the plan runs for either 3 years or 5 years. If all secured creditors have been paid, further payments within the plan years will go to UNSECURED creditors (thus, maybe the $350). rthoele said... Am I wrong to want this bankruptcy to stop? No, but the Plan won't "stop" until it has run either the 3 years or the 5 years. rthoele said... My attorney is telling me to be patient. Only your attorney knows your case - we don't. Ask your attorney if you're still inside the Plan (3 years or 5 years). If the Plan is complete, he'll file a motion to close the case - that can sometimes take 30 days or so. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  11. Please don't type in all caps. It's considered yelling and quite rude. Ok, let's take a look: In order to obtain an absolute divorce (which is the legal term for a "real divorce") in Maryland, unless the divorce is based on adultery or cruelty, the parties must have been separated for at least 1 year. However, no one should wait a year after separating to file for a divorce because court dockets are clogged and it will take most of that time to get a court date. In order to "get in line" for a court date, many parties file for a "limited divorce," a holdover from yesteryear which today serves two functions: getting temporary support and getting in line for an absolute divorce. Some issues, such as property division and debt can be addressed in the "limited divorce" petition. He can be served in D.C. HOWEVER - YOU can file the divorce in D.C., rather than Maryland, because under the law there (Wash D.C. Statutes, Title 16, Chapter 9, Section 902) states that ONLY ONE of the parties has to be a resident for at least 6 months. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  12. You might try THIS LINK. Bypass the servicer (ACS) and apply through the U.S. Department of Education. You'll need to read the self-help packet attached to the above link. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  13. Maybe I'm not clear on this. Is this a Federally guaranteed student loan ? wisilintoo said...Why am I being singled out? What gives you the idea that you're the only person experiencing this ? I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  14. For a minute there, I thought I had one too many shots of scotch. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
  15. As the poster said, the agreement was for the seller to refund the purchase price if the vehicle didn't pass smog inspection. There was no provision in the agreement for paying for the repairs that would result in the car passing the smog inspection. The poster said she has refused to pay the $350 for the repair to get the car to pass inspection. She never agreed to that. BUT, it would be foolish for her NOT to cover that expense (as I said earlier) because he COULD possibly enforce the original agreement that she would refund the entire purchase price. (i.e., either pay the $350 or give me all my money back - which is cheaper ?) If he PAID for the repair, and it passed inspection, it nullifies her agreement to refund the purchase, because it has now passed inspection. NOT passing inspection was a condition of her agreement to buy the car back. If he took it upon himself to pay for the repair, AND the car passed smog inspection, he wouldn't have a claim under an "as is" purchase. Passing inspection, he now has no condition for return, and refund, which was NOT passing. If he has NOT actually paid for the repair, and it still doesn't pass smog inspection, and she refuses to do the SMART thing by giving him the $350, he should be able to force a repurchase (refund) and turn the car over to her. I think the only problem here would be the three months that have passed. The theory of "laches" dictates that he immediately had a right to exercise his rights under the agreement for refund AT THE TIME THE CAR FAILED INSPECTION. Waiting 3 months to finally address the issue may have waived his right to enforce the agreement to a refund. I believe the Courts would consider that an unreasonable delay, as he had knowledge of the failure to pass inspection and didn't mitigate his damages by returning the car under her agreement to refund the money if it didn't pass. He waited 3 months to approach her about it. I am not an attorney. My comments are made based on my training and experience as well as diligent research. I am also not perfect, therefore, I will accept constructive criticism, if tendered with respect.
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