Some interesting drunk driving facts that arent commonly discussed but important to those who may be potentially facing a DUI or drunk driving related offense:
Drunk driving and DUI laws vary from state to state as do the potential punishments.
Drunk driving offenses are considered criminal offenses in every state across the nation.
Repeat DUI offenses are considered from other states should you re-offend in a different state.
Almost every state in the U.S. shares DUI information with the other states when you attempt to transfer licenses.
Your employer will most likely find out about your DUI or drunk driving offense.
Your auto insurance is certainly affected by a drunk driving offense by being required to carry whats known as a SR22 insurance policy. The SR22 is a high risk type of auto insurance policy that the state DMV requires in order to force the auto insurance company to notify them (the DMV) should the auto insurance company cease to provide coverage for you for any reason. The policy is named after the form that the DMV requires; form SR22.
Even after a 1st offense DUI you will be required to complete an alcohol abuse program regardless of your blood alcohol concentration (BAC) or the circumstances of your arrest/ conviction.
Overall DUI and/or drunk driving related offenses are serious offenses and you should seek out the help and assistance of a criminal defense lawyer to protect your rights and best interests. The lawyer you select should focus their practice of law exclusively on DUI defense if you want the best possible representation.
DUI Arrest Help.com provides everything there is to know about DUI/ drunk driving for offenders. Get a free consultation with a DUI lawyer and/or find the best deals on SR22 insurance
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A debt settlement attorney specializes in negotiating with creditors to reduce the amount of debt the individual must repay. They will contact each one of your creditors and each collection agency to stop the late fees, penalties, and premiums building up on all accounts. The debt settlement attorney will establish agreements so that the credit card companies and collection agencies will contact the attorney instead of the consumer. It is also the responsibility of the debt settlement attorney to obtain the consumers credit report and work to remove any misleading, unsubstantiated, or incorrect items. This is a very important service that should be utilized by the consumer to restore credit ratings and create a plan for future financial management.
Using a debt settlement attorney is vastly different from credit counseling. It can be risky to your credit, but if your credit is already destroyed you may have little to lose and more to gain by settling outstanding debt. Debt settlement is much more aggressive than credit counseling, and it can get you out of debt in half the time of credit counseling. Many states have laws regulating debt negotiation companies. To see if your state permits debt settlement, contact your state Attorney General.
If you ignore the debt long enough, you stand a good chance of never hearing from the creditor again. Seven years after the debt is written off, the negative listing disappears from your report altogether. But if you pay the debt sometime before the end of that period, the seven year cycle starts all over again, not exactly what one would call an incentive. It's like getting time added to your sentence for good behavior.
Fortunately, creditors make their money by collecting the debts, not by reporting negative credit information. Creditors recognize this catch-22, and are therefore often willing to delete the negative listing upon settlement. If you are going to settle with a creditor, be sure to have your debt settlement attorney negotiate removal of the listing from your report.
Keep in mind that using a debt settlement attorney usually applies to unsecured debts like credit cards, medical bills and department store cards. Things like mortgages, student loans, alimony and child support fall into the category of secured debts and there is usually not much that a debt settlement attorney can do with these types of debts.
In debt mediation the consumer confers his mediator with a limited power of attorney to work out lump sum settlements on specified debts at reduced amounts. The consumer ceases their credit card payments and instead pays the mediator an agreed amount monthly to fund settlements.
Debt mediation addresses the amount owed (principal) as well as interest and fees, sometimes reducing the total obligation to as much as 40% of the original debt. Creditors prefer such settlements to the risk of bankruptcy and report such settlements "paid as agreed" on the consumer's credit record.
Your credit could, however, be affected in a negative manner. Some creditors will not mark their debt paid as agreed, and it will remain on your credit report for a number of years. Consumers still opt for debt settlement because they find it preferable to bankruptcy. Usually, the way it is reported on your credit record involves the words "Settled" or "Settled as Agreed" or "Paid as Agreed". However, all the late payments may remain on your credit report until the statute of limitations runs out. At that point, credit repair might help to remove the negative marks if the reporting creditor fails to provide documented proof to the reporting agency
Gust A. Lenglet is an accomplished author and financial advisor and has written many articles in the fields of investments; education; law, as well as taxation. He is President and CEO of HBS Financial Group, Ltd. and offers online tax filing as well as timely advice on tax planning and investments.
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