Penalties for White Collar Crimes

Your day at work may have been interrupted by disaster—you’ve been accused of a serious white collar crime, and now, you may be unsure how to fight back against these penalties. 

White collar crimes cover many types of financial crimes, like identity theft or fraud. But just because these are non-violent crimes doesn’t mean that a conviction is less serious. If you may possibly be heading to court because of a white collar crime accusation, make sure you know the penalties you could face before you head to the courtroom. That way, you’re prepared for whatever happens next. 

Dealing with Federal Offenses 

When you’re accused of a white collar crime, you may be dealing with a criminal case on the federal level. These crimes are complicated, which means it’s not easy to defend yourself. The more severe the crime, the more difficult it can be to avoid penalties. You may need a lawyer from a firm like the Schwartz Criminal Defense Firm just to get your charges reduced or dismissed. 

Unfortunately, the penalties can be severe. You could face federal prison, which means a year or more in prison. For example, if you’re accused of identity theft, you could face up to 15 years in prison, depending on the details of your case. 

Your Criminal Record Could Follow You 

The penalties for a federal crime can be difficult, but you may not be free even if you’ve done your time. You may have been released from prison, only to find you’re unable to get a job or housing like before. You have a federal criminal record now, and that will show up on a background check. 

It may not be a violent crime, but it could hurt your chances of getting approved for housing, loans, jobs, and other important concerns causing you to struggle to put your life back in order after your conviction. 

Avoiding a White Collar Crime Conviction

When you’re accused of a white collar crime, your best option may be to act now to avoid the severe penalties you could face. You need a strong defense, and you need a lawyer who can untangle the complex details of financial crimes like fraud, embezzlement, and money laundering. 

It may not be easy to avoid penalties for white collar crimes, but working with a lawyer now can help you defend your case and overcome these allegations. That way, you don’t have to worry about losing years of your life to prison. 

What You Need to Know About FINRA and BrokerCheck Expungements

As a broker, information about customer disputes through FINRA and BrokerCheck can have a serious impact on your future. You may be worried about these disputes, especially when the issues were quickly resolved or otherwise rejected or dismissed. The dispute itself can still hurt your future. 

While it may not be a crime to have a dispute with a customer, you may have a chance to get that record expunged, so you don’t have to face penalties that could hurt your business. 

Here’s what you need to know about getting these disputes expunged: 

Customer Complaints Can Hurt Your Career 

The bad news is, a customer having a dispute with you could hurt you even if nothing came of the dispute. It may have been rejected, settled amicably, or dismissed, but it could still affect whether people choose to work with you. BrokerCheck is a free database where anyone could see any past disputes. Even if they don’t have access to FINRA’s databases, they can see that you have a dispute on your claim. 

While these records may contain more information about your case, a lot of potential customers may not pay much attention to that. They may instead see the number of disputes and decide not to work with you. 

How to Get Complaints Expunged

When you’re facing trouble because of a dispute, your best option may be to talk to a FINRA expungement lawyer, who can fight to get your dispute removed from your record. They can help you file a request for expungement relief. Your claim will be brought before an arbitration panel, which could be one to three arbiters depending on the amount of money involved. 

To get an expungement, you’ll need to prove at least one of the following: 

  • The dispute was factually impossible
  • The broker wasn’t involved
  • The claim was false

Once they review the claim, they can decide whether you and your lawyer have provided enough evidence for your defense. From there, they may uphold the ruling, or they may remove the dispute from your name on BrokerCheck and FINRA’s records. 

Protect Yourself from Unfair Penalties

If you’ve been in the middle of a dispute, you may be right to worry about the effects of a dispute on your record. Fortunately, you have a chance to act now, expunge those disputes, and get back to your business. 

If you’re concerned about these losses, you have opportunities to make a difference for your future. All you have to do is call a lawyer and get the help you need to get your record clean. 

Should I Talk to the Other Driver After My Car Crash?

There are many causes of car accidents; the most common are distracted driving, speeding, fatigue, poor roads, reckless driving, and driving while intoxicated. Poor weather, wildlife, or obstructions in the road can also contribute to auto crashes. Whatever the case, knowing how to act after a crash is crucial.

What to Do After a Crash

After getting into an accident, the first thing you should do is pull over by the roadside and get to safety. Do not leave the car in the middle of the road, unless it cannot be driven. Leaving a vehicle in the middle of the road will obstruct oncoming traffic and put other drivers in danger, therefore, all the vehicles involved in the crash should pull over, if possible.

After getting out of the car, be sure to check yourself for injuries to ensure you are okay. Next, check on the other driver to see if they are injured and if calling 911 is necessary. If the accident is serious, first responders will be sent to the scene.

Call the local police department and report the accident. They will dispatch someone to the scene to write up a report and issue any violations. This report may come in handy later, especially if you have to file a lawsuit against the other driver.  

Remember to also call your insurance provider and tell them about the crash. In some cases, they may send someone over to the scene to document and investigate the incident. One thing that you should always remember after an accident is never admit liability or fault.

Should I Talk to the Other Driver After My Car Crash?

The answer is both yes and no. You should talk to the other driver only to confirm if they are injured or not and try to help. If your cellphone was damaged in the crash, you can ask the other driver to call the police or 911 on their phone.

You should never try to debate who was at fault or admit liability. This is a matter for investigators to determine. Even if the investigator claims you were at fault, the matter can still be litigated in court. Be sure to also limit your talk because there are witnesses who may hear something and testify that you admitted liability in one way or another.

What most people often do after a crash is feel sorry and start apologizing to the other driver while giving all sorts of reasons why the crash occurred. You should never do this, as this is akin to admitting liability. If you have been seriously injured, you will also need to hire a San Diego car accident attorney to help you seek an appropriate compensation for your injuries.

Are Work-Related Car Accidents Covered by Iowa Workers Comp?

Have you suffered a work-related car accident in Iowa? Are you worried that your employer may not cover your injuries? Workers compensation is a form of insurance that provides coverage to employees who suffer accidents in the course of their job duties. The insurance covers medical expenses and wages lost after a work-related accident.

When you get into a traffic accident while on the job, it is natural to worry about who will cover the medical expenses, lost wages, and damages incurred after the accident. What does the law say concerning such kind of accidents? Will you be covered under the Iowa workers compensation? Read on to find out.

Are Work-Related Car Accidents Covered by Iowa Workers Comp?

The answer is yes! Iowa workers comp covers injuries and fatalities that occur in the line of duty, regardless of who was at fault. The coverage includes car accidents that occur within the workplace and outside the work premises, as long as one was conducting company business at the time of the accident. Some of the instances when a worker would be eligible for compensation include:

  • Getting into a car crash while running business errands, e.g., making deliveries, getting supplies, etc.
  • Being involved in a motor vehicle accident when running errands as instructed by the employer, e.g., picking personal dry cleaning, buying lunch, etc.
  • A car accident that occurs as an employee is traveling to an event that’s sponsored by the employer
  • The nature of the employee’s work requires them to travel by vehicle between job sites
  • The employee is away on a business trip at the time of the accident

In all these circumstances, an employee is entitled to receive compensation if they are involved in a car crash at work in Iowa. The workers comp insurer will cover medical expenses and lost wages. Also, if the worker stays out of work for more than three days as a result of the accident, they may get temporary or permanent disability benefits depending on the severity of the accident.

Which Car Accidents Aren’t Covered?

The Iowa workers comp doesn’t cover all employee car accidents. For example, a worker cannot file for compensation if they get into a crash while driving to or from work. However, the claim can be viable if the accident occurs on the business premises. Also, if one gets into a motor vehicle accident while violating company policy or committing a crime, they will not be eligible for compensation. Finally, traffic accidents where the worker was under the influence of drugs will not be compensated under the Iowa law.

What Should You Do After a Car Accident?

If you have suffered a work-related motor vehicle accident, the most important thing is to seek medical attention immediately. Let the physician know that your injuries are work-related so that they can document them. According to the Iowa law, you have ninety days to notify your employer that you got into a work-related accident. After being informed, the employer should immediately file the First Report of Injury with the Workers Compensation Commissioner to commence the compensation process.

Work-related car accidents can occur unexpectedly, and when they do, compensation is mandatory. However, one should take note of the instances when the claim can be denied – mainly if they acted in violation of company policy or state laws. If you have a valid claim and feel that the insurer may reject it, contact a workers compensation lawyer for legal advice and representation.

Reasons to Get a Lump Sum Workers Comp Settlement in Iowa

When you’re struggling with an on-the-job injury, your work comp benefits can make a world of difference. You’ll receive weekly payments, much like your wages, which should cover your expenses and help cover your lost wages.

However, you might want your whole settlement at once. For some Iowa workers, this might be the best option for you. If you’re not certain, however, think about the reasons you might choose to take a lump sum settlement and what may be best for you.

No Interest on Your Bills

When you have the full settlement you need, dealing with the expenses you might have gained becomes much easier. As time passes, your debts accrue interest. When you’re getting weekly payments, that could mean staying only just ahead of your bills.

With a lump sum settlement, however, you can pay those bills off at once. That payment can help you avoid creditors harassing you for a payment or the pressure of constant debt. While that means you might have used up a large portion of your settlement already, you’ll have peace of mind that you don’t have to worry about those bills.

Handle Your Expenses on Your Time

Some Iowa workers choose a lump sum payment because it lets them take control of their own funds. You might be concerned about losing those funds if they think you’ve approved, for example, or you might simply want to separate your expenses out differently.

With a lump sum payment, you may waive all future rights to compensation and take that full settlement. Remember, however, that this means you’ll waive all further options for compensation. You’ll be unable to receive any further benefits, so remember this before you file your claim.

Choosing a Lump Sum or Payments

When you’re injured in a work accident, getting your benefits is vital. Once you’re approved, however, what’s your next step? For many, that means choosing better weekly payments or a lump sum payment of all your benefits.

Which option should you choose? That generally depends on your situation. If you want to avoid interest, for example, taking a lump sum payment might be the best option for you. If you expect to heal quickly and not need further compensation, you might also choose to take a lump sum.

Not sure which to choose? You’ll need an Iowa workman’s comp lawyer on your side. They’ll give you the help you need to make the best decision for your claim.

Denied Workers Comp Claim? Don’t Give Up

When a work accident happens, you’ll need help recovering. Fortunately, that’s what a workers comp claim should give you. You’ll need benefits that cover your losses for your on-the-job injury, but that can be complex. Indeed, you might have already been denied your workers comp claim already.

That can feel overwhelming, but don’t give up. You’ll still have a chance to seek your work compensation benefits, so seek out a workers comp lawyer in Raleigh if you’re struggling to recover from your accident.

Reasons for a Denial

It’s unfortunate to have to wait for your workers comp, but you should have the tools you need to fight back. Your first defense, in fact, will be in your denial letter. Each denial letter must include a reason for your denial, and that can help you fight back.

Knowing why you were denied can help you fight back, so check out your denial reasons before you file. Your lawyer can use this reason to help you fight back. The following are a few examples of denials you might see:

  • Not enough medical evidence
  • Disputes about time and location of accident
  • Missed filing deadline
  • Injury doesn’t meet state guidelines
  • No medical treatment was accepted

How to Appeal

Once you’ve determined the best defense for your claim, you’ll then need to fight back by addressing the reason you were denied. If you can prove that their reason for denial is wrong, you can get your claim approved and get your compensation.

For example, they might claim that there wasn’t enough proof that you were injured. If this is the case, you’ll need to seek out more exams from the doctor, which can prove you were seriously injured. With this extra evidence that you were hurt in a work accident, you can expect the work comp benefits you need to recover.

You’ll need to set up an informal meeting with your employer and their insurer first. If this meeting doesn’t get you the compensation you need, reach out for help before you schedule a hearing with the Workers Compensation Commission.

Who Can Help?

A serious injury can make your life difficult, so you’ll need to seek out help as soon as possible after a work accident. Unfortunately, your help didn’t come through, and your workers comp claim was denied.

Fortunately, that’s not the end of your claim. You’ll have a chance to prepare further evidence and fight back for the compensation you deserve. Fight back and get the full benefits you need for your recovery.

Already talked to your employer, but didn’t get the answers you needed? Schedule a formal hearing with the help of an attorney. They can help you prepare your evidence and present it to the judge. With the right help, you can get the benefits you need for a full recovery.

Are Paid Surrogacy Contracts Legal?

A paid surrogacy contract’s legality is vital for the future of both surrogates and intended parents. When the attributes and expectations of a surrogacy contract is made legal, the parties to the contract are safeguarded from future liabilities and risks. However, surrogacy contract laws are not the same across the world. There are certain countries or regions where a surrogacy falls outside the confines of the law. Let’s understand the scenario in America.

Are paid surrogacy contracts legal? Honestly speaking, it depends on the laws of the state where the surrogate mother resides. For example, if the surrogacy-seeking couple lives in New York but the surrogate mother doesn’t, then New York laws would not apply to the case. Generally, the laws of the state where the surrogate lives comes into effect in a surrogacy arrangement.

As per New York legislature, commercial surrogate parenting agreements an unenforceable or void and against the state’s public policy. In other words, any kind of surrogacy arrangement that entails financial compensation is prohibited. If the statute is violated, strict fines or/and penalties could be imposed. This prohibition law has its roots in the Baby M case (New Jersey) that entailed a long legal tussle between a surrogate and a couple after the surrogate was not willing to part ways with the baby after its birth.

Initially, the surrogate had agreed to give the baby away post birth. However, once the relationship between the surrogate and the couple turned sour, the surrogate mother had a change of mind and wanted to keep the baby. This famous case prompted both New Jersey and New York legislatures to create laws that mitigated commercial surrogacy.

A surrogacy has changed in implementation over the years. Back in the day, the surrogate also donated the egg, which means she was genetically connected to the baby. Today, almost all surrogacies carried out do not involve the surrogate’s egg. Instead, a fertilized egg is put inside the surrogate’s womb and the baby’s father provides the sperm.

Long story short, there still isn’t much clarity on whether surrogacy contracts are legal or otherwise. Surrogacy has made it possible for infertile or childless couples to bring up their own kids. Though child adoption makes this possible too, there isn’t no genetic connection in the case of adoption.

If you’d like to learn more about surrogacy and what your legal rights are as a surrogate or individual seeking surrogacy, Baby Steps Surrogacy Center can help.

 

Resources:

https://en.wikipedia.org/wiki/Surrogacy_laws_by_country

https://en.wikipedia.org/wiki/Surrogacy

Does the SEC Give Rewards for Reporting Money Laundering?

All around the world, large sums of money are being made through corruption and illegal activities. The perpetrators try to hide their wealth by making these seem like legitimate assets. They do everything in their power to evade law enforcement agencies so that they can continue making profits. Authorities, on the other hand, use a number of strategies to catch them and stop their operations. One of these is the acceptance of tips that could help them find and pin down suspects. The Securities and Exchange Commission or SEC is among the leading agencies in this fight.

The SEC Whistleblower Program

Does the SEC give rewards for reporting money laundering? Unfortunately, they do not. But they have a program in place that awards whistleblowers for their efforts in reporting securities law violations. If money laundering is rampant at a company, it’s likely that there are other violations, potentially including violations of securities laws.

Congress spearheaded the creation of the program in order to help the commission do its job. The hope is that the monetary incentives will convince individuals with insider knowledge to come forward and provide information. The SEC is particularly interested in learning about violations of federal securities laws. Whistleblowers can get around 10 to 30% of the monetary sanctions imposed by the authorities. They are also protected from the retaliation of their employers.

Whistleblower Eligibility

There are strict rules for eligibility to the program. Persons must provide original information to the SEC voluntarily. This must pertain to a violation of federal securities law that already happened, is happening, or is about to happen. This information should produce a successful action by the SEC and trigger monetary sanctions greater than a million dollars. Whistleblowers must be individuals or groups of people. Organizations and companies are ineligible. Both employees and non-employees can provide details of a company’s activities. Whistleblowers must follow a specific format and process as defined by the SEC rules.

Submission of Information

The commission is looking for tips that are timely, credible, and specific. They need information that can actually lead them to the individuals who are behind the schemes. They want specific examples of fraudulent transactions. Note that they can only act on cases that are covered by federal security laws. Those that fall outside of their scope should be referred to the appropriate agency. Examples of the types of cases that they handle are Ponzi schemes, theft of funds, rice manipulation, inside trading, unregistered securities offering, misleading financial statements, naked short selling, and bribery of foreign officials.

Factors Affecting the Award Amount

The actual amount of the award given to whistleblowers will depend on several factors. These include the significance of the information provided, the extent of assistance given to the investigators, and the individual’s level of participation in internal compliance systems. The amount may be reduced if the whistleblower is found to be a participant in the illegal activities, has interfered with the internal compliance systems, or has unreasonable delayed the reporting of the violations. For more information about the program, talk to a SEC whistleblower attorney. Schedule a meeting to discuss the facts of the case and explore your options.

LINKS:

https://en.wikipedia.org/wiki/Money_laundering

https://www.sec.gov/whistleblower/frequently-asked-questions

The Dangers of Sharing the Road with Semi-Trucks

When you’re on the road, you want to protect your own safety and the safety of those around you. So, you don’t want to be on the road with drivers who won’t protect your safety as well. Unfortunately, that’s one of the dangers of sharing the road with semi-trucks.

It’s unfortunate, but you could be endangered by these trucks, and it’s tough to protect yourself from the dangers they cause. Before you get in your car, make sure you know what to look for and how to protect yourself from these dangerous vehicles on the road.

Larger Trucks Can Injure

Any kind of car accident can injure you, of course. You’re moving at high speeds, and that momentum can do a lot of damage. Truck accidents can do much of the same damage, but with more weight behind it. That can make a big difference.

Semi-trucks will weigh several tons more than your vehicle, which adds to the damage they can cause. You can expect serious injuries, such as the following:

  • Traumatic brain injuries
  • Spinal injuries
  • Internal bleeding
  • Broken bones
  • Burn injuries

They May Not Worry About Your Safety

Since these semi-trucks are known to be so dangerous, their drivers should be aware and careful with the safety of other drivers, right? Unfortunately, that’s not always so careful with your safety.

Instead, they may act recklessly or carelessly while doing their jobs. For example, you might see an 18-wheeler swerving over the road. The driver might be driving drowsy, which can be deadly. They might be trying to meet a tight deadline, so they’re keeping long hours to save time.

Otherwise, they may be driving under the influence, which puts you in more danger. When another driver ingests drugs or alcohol, you’re in extra danger because of them. They’re not just putting you in danger, though. They’re also committing a felony, so you’ll need to take action soon.

Some cases are a little simpler, though. While the truck driver might not have been doing anything especially dangerous, inattention can be deadly with 18-wheelers. If you’re in their blind spot, they might try to change lanes quickly, which can be deadly.

Your Next Steps

Sadly, you might have already been in a truck accident, and now you need help recovering from your devastating injuries. It’s tough to deal with, if you can’t avoid an accident with a trucker. You can, however, take action get compensation for your injuries.

When you’re injured by a truck accident, you’ll need help from a Birmingham truck accident lawyer, so act quickly to get the full compensation you need to recover. They can help you get the full compensation you deserve when a truck driver endangers you.

Work Credits and SSDI

When you are suffering from a disabling condition and are no longer able to financially support yourself, you may be eligible for Social Security Disability Insurance (SSDI) benefits. This is a government run program that allows those who are unable to continue working to obtain a monthly disability benefit that they can use to provide for themselves while they are unable to earn a living.

However, SSDI isn’t geared towards those suffering from a temporary disability. In fact, there are very strict requirements for someone to be eligible for SSDI. Below we review some of these requirements including how much work you need to have put in over the years to qualify for SSDI benefits.

Eligibility for SSDI

In order to qualify for SSDI, you must first be able to demonstrate that you are physically incapable of work. This includes any previous positions you might’ve held, as well as work in any other types of industries. Only those who are completely unable to work will be approved for SSDI.

The Social Security Administration (SSA) has developed a list of conditions that will nearly always qualify for SSDI benefits. However, just because your condition isn’t listed on the SSA’s list of qualifying conditions doesn’t mean that you won’t be eligible for benefits.

As long as your medical documentation explicitly states that you are no longer able to continue working in any industry, you should be approved for SSDI benefits. It’s important to note that your medical documentation will be independently reviewed by SSA physicians and is subject to denial if they believe your condition is not entirely debilitating.

How Much Work Do You Need to Qualify?

Another key component to SSDI benefit approval is having worked a minimum amount of time where you already paid into the SSDI program through the taxes taken out of your paychecks. Generally speaking, this means that you’ll earn 1 credit for every $1,320 you earn annually.

You are only able to earn 4 work credits each year, and the amount you need to earn per credit is subject to change every year. This figure is current as of 2018. Before you can qualify for SSDI benefits, you need to earn a total of 40 credits.

Now, this might not seem like a big deal, you just work for 10 years and can qualify right? Unfortunately no. At least 20 of the credits you earn must be done within the 10 years prior to your diagnosed disability.

You may be wondering how this will impact you if you are seeking SSDI benefits for your disabled child. Fortunately, children who have qualifying conditions can typically be exempt from this rule or have their work credits reduced significantly if they are of working age. If you have any further questions in regards to work credits and SSDI as a whole you can discuss them with your attorney.

Speak with a Knowledgeable SSDI Lawyer

If you aren’t sure if you qualify for SSDI based on your work credits, or if your claim has been denied and you believe you do meet the requirements for approval, get help from an SSD attorney who can work with you to appeal your case.

When you need financial assistance due to a disabling condition after you’ve put in years of work to insure your benefits, you shouldn’t just sit back and accept a denial. Your attorney will work diligently to do whatever it takes to obtain the benefits to which you’re entitled.