What can a Personal Injury Attorney do for you after a Hit and Run Case?

Hit and run accidents are not only traumatic but they also are brutal; in the sense, if you are unable to find the convicted driver, many problems begin to arise afterwards. You have to plea court for several times for even a smaller amount of compensation. That is why a personal injury attorney is necessary for and hit and run case. A personal injury attorney can help you in several ways including:

  • Proving Liability of Convicted Driver: Even if the convicted driver is caught after a hit and run case, you need to prove it to the court. Moreover, you also need to prove your liability which is a highly technical process requiring good knowledge of law. The personal injury attorney will establish all legal requirements that are necessary to prove the drivers’ responsible for the accident. This becomes all the more important because both the court and insurance companies need to see liability before paying for any compensation.
  • Accumulating Supporting Evidences: You need evidences to prove that you are injured in the accident Evidences are also needed to prove the extent of your injuries. Your personal injury attorney will accumulate evidences to support your facts and claims. The evidences he collects will also help to prove how injuries are affecting quality of your life.
  • On Time Handling of Issues: If you were injured in the accident, there is every possibility that you might not respond to or complete the necessary footwork because of your temporary or permanent disability. Your personal injury attorney will handle all this for you, including; letters from insurance companies, responding to legal motions and filing documents with courts.
  • Encountering Insurance Company Tactics: There is every possibility that you might not find the driver who is responsible for the accident. In such cases, you can get compensation only through the insurance companies. But insurers make every possible effort to make the process as much difficulty as possible. Without a competent attorney you might have to face aggressive insurance representatives, tricky tactics and complex settlements. Your attorney will protect your rights and win you fair compensation by checking insurance companies’ tactics.
  • Track down all the Damages: A good attorney will appraise all the damages and ask for good monetary figure as a compensation for what you have gone through. Your personal injury attorney will get you compensation for your medical fees & devices, future treatment, pain and suffering and future income loss as well. Moreover, if you get hold of the responsible driver your personal injury attorney may also get you additional punitive damages.
  • Fair Settlement: Most of the hit and run cases are tend to settle outside court, Negotiations with – liable party, its attorney and insurance companies have never been easy. They may trap you into an unfair settlement. But an experienced attorney knows all the tricks used during these negotiations and get your fair compensation that you deserve.
  • Get case to Trial: If insurance companies and other parties are involved in your case, it becomes messy and complex. Then your attorney will get your case to trial, because this is the only way left out. An experienced attorney will represent you in the court and fight for your rights and fair compensations even against the mighty and largest opponents.

At Wani and Associates P.C., our personal injury lawyers are experienced in dealing with issues related with personal injury. Our acknowledged attorneys through their incessant efforts will assist you to resolve any of your personal injury related issues.


How can a Personal Injury Attorney Help you?

When you have been involved in an accident, apart from the emotional turmoil and anxiety, you have to deal with a lot more issues like; complications in receiving your claims or refusal of an insurance company to make reasonable offer. So, whether you are involved in an auto-accident, injured on the job or experienced nursing home abuse; an experienced personal injury attorney can help you to untangle all the mess and getting you what actually you deserve. Hiring a professional personal injury attorney, with the knowledge of laws and procedures, will be beneficial for you in the following ways:

  • Hiring a personal injury attorney will help you getting a high and accurate insurance settlement. He would provide accurate value of settlement after analyzing your injuries, putting value on your pain and negotiating with the insurance companies. They are the one having the required understanding of all subtleties of your specific case.
  • They are familiar with legal procedures involved with litigating or mediating your claim. They help you by filing proper legal documents, completing necessary forms and let you get the right amount form insurance settlement.
  • Personal injury attorney helps you in managing you medical bills by ensuring payment by an applicable insurance provider. And moreover, helps preventing bills being sent to a collection agency.
  • Once you are represented by a personal injury lawyer; your insurance companies are no longer permitted to contact or bother you. All the negotiations and communications start going through the attorney.
  • Personal injury attorney helps you in filing a lawsuit and litigating the claim in courts; if an insurance company refuses to offer a fair compensation.
  • Personal injury attorney has the fair knowledge and experience in negotiating outstanding liens or medical bills arising from the accident. He negotiates both ends of amount an injured client receives from settlement; i.e. the amount received in the settlement and the amount of the settlement that must be paid to satisfy outstanding liens and medical bills. This helps to maximize recovery while reducing the amount paid in satisfaction of liens & outstanding bills.
  • A personal injury attorney advances the costs associated with claim including; cost of obtaining medical records, filing fees, service fees, evaluation fees of experts, court reporter fees etc. Because of this, clients need not to pay these costs before obtaining recovery.
  • Your attorney protects your interests regarding cut-off dates. The cut-off period extinguish your claim if you do not file a required complaint regarding your own insurance provider or third party within relevant statutes of limitation with the appropriate court.
  • Being represented by a personal injury attorney helps you access to medical care on a lien basis. They also help to satisfy liens out of the proceeds of a settlement.
  • At times, property damage issues arise due to personal injury auto cases. Your personal injury attorney can help you with reimbursement of your collision deductible. Moreover, he can also help you in getting adequate compensation for your total loss.

At Wani and Associates P.C., our personal injury lawyers are experienced in dealing with issues related with personal injury. Our acknowledged attorneys through their incessant efforts will assist you to resolve any of your personal injury related issues.


Expansion of Childhood arrival Considerations:

ONE part of the November 20 2014 actions was to expansion the Deferred Action for Childhood Arrivals.  Under the President’s new November 2010 executive action, you may qualify for Deferred Action for Childhood Arrivals (“DACA”) and to apply for work authorization if ALL of the following are true:

  • You came to US before your 16th birthday
  • You were continually living in the U.S. since January 1, 2010. (Small visits out of the country may be acceptable).
  • You were present on June 15, 2012 AND on the date you apply for DACA
  • You did not have any lawful status on June 15, 2012
  • You are either a) in high school b) have a GED c) have a high school diploma OR d) are an honorably discharged veteran of the coast guard or U.S. armed forces.
  • You have not been convicted of a felony, a significant misdemeanor, or there3 or more other misdemeanors, and do not otherwise pose a threat to national security or public safety.

UNDER THE NEW DACA rules, you DO NOT have to be under 31 on June, 15 2012.  Furthermore the work authorization and removal deferral will be three instead of two years, and the start date for continuing residence is 2010 NOT 2007.

 A SECOND part of the November 20 2014 actions was the creation of a new deferred action program for PARENTS and not just children.  This is called Deferred Action for Parental Accountability.  (“DAPA”) You may qualify for deferred action if ALL of the following are true:

  • You had, on November 20, 2014 a son or daughter of any age who is a U.S. citizen of Lawful Permanent Resident.
  • You were continually living in the U.S. since January 1, 2010. (Small visits out of the country may be acceptable).
  • You were present on November, 20 2014 AND on the date you apply for DAPA
  • Had no lawful status on November 20, 2014.
  • Are not an ENFORCEMENT PRIORITY (see below)
  • Present no other factors that in the discretion of the government, make a grant of deferred action inappropriate.

NEW ENFORCEMENT PRIORITY’S as of November 20, 2014 (note even if you do not qualify of r DAPA or DACA, if you are not in the enforcement categories below, the new executive action may benefit you).

 Priority 1: Threats to national security, border security, and public safety. This includes suspected terrorists, people apprehended at the border, intentional gang participants (as well as those who were convicted of a gangrelated offense), and convicted felons (excludes state/local status-related offenses).

Priority 2: Misdemeanants and new immigration violators. This includes people convicted of a “significant misdemeanor” or three or more misdemeanors arising out of three separate schemes (excludes traffic and status-related violations); people who entered unlawfully after January 1, 2014; and people who have “significantly abused” the visa or visa waiver programs.

Priority 3: Other immigration violations. Those who have been issued a final order of removal on or after January 1, 2014.’

Contact Wani and Associates P.C. for any of your immigration related needs and issues. Our acknowledged attorneys with their relentless service and efforts will help to resolve your immigration related issues and save your application from rejection.


How to get a small business loan after Bankruptcy?

Get a Small Business Loan after BankruptcyBankruptcy can affect your business devastatingly, but it does not mean that you cannot make a fresh start. But before you think of getting a loan, always think through the consequences i.e. you will personally be responsible to pay debts if your business fails again and as well you will not be eligible to file a bankruptcy again. So it is always wise to access the reasons that have caused financial downfall in the past in order to avoid them in future. Here are some tips by following which you can improvise your chances of getting a loan after Bankruptcy:-

  • Rather than contacting influential and distinguished banks, contact community banks as the authoritative banks through their automatic screening process will deny you immediately after considering your credit score.
  • Try to establish contact with the banks which specialize in small business lending or you can also negotiate with regional non-profit investment funds through the personnel of economic development department, as these agencies grant loans to small businesses in low-income areas.
  • Before you contact any of the potential lenders, make sure that you have a streamlined and well-defined business plan for presenting them.
  • Your chance of getting a loan increases, if you are able to show your lenders that your debts are running minimum since bankruptcy. Show them the evidence in form of statements; showing your mortage or rent payments, vehicle instalments etc.
  • In order to get your loan approved; show your lender that you have consistent income since bankruptcy and with this income you will able to repay the debt.
  • Attach a brief explanation of the reason that leads to the bankruptcy with your loan proposal i.e. whether it is a divorce, auto accident, chronic illness or major trauma injury. This information may help the lender to determine your eligibility for the loan.
  • Try to locate lenders who specialize in small business loans and seek information about their terms and conditions. Your local chamber of commerce may also suggest you the names of lenders who provide such loans.
  • Seek the help of a friend, colleague or a family member with good credit score. If they agree to co-sign a loan guarantee for you; it is definitely going to enhance your chances.
  • Ask for a smaller loan amount initially and gradually work your way up to a larger sum i.e. after you have made positive and consistent earning records.
  • While filing a business loan application with a bank; always present a viable business plan along with it. Because your business plan is the most crucial element for the bank to choose you as a viable candidate.


If you have any queries regarding filing bankruptcy and its pros and cons; Contact to Wani & Associates P.C. Our compassionate and acknowledged attorneys through their incessant services and efforts will assist you to resolve any of your bankruptcy related issues

DIP (Debtor–In-Possession) Financing

What is DIP (Debtor–In-Possession) Financing and how is it beneficial for distressed businesses or companies?

Debtor-In-Possession Financing or DIP Financing is offered to the companies when they file for Chapter 11 bankruptcy under the US bankruptcy code. Moreover, it provides the distressed businesses with the cash flow or financial resources that they need to meet business expenses and as well help them to turn up quickly from the bankruptcy.

What do we mean by DIP Financing or Debtor-In-Possession Financing?

DIP Financing is a special kind of funding granted to the companies under financial crisis and as well under Chapter 11 bankruptcy process. It is also unique from other financing processes because of its superiority over existing debts, equity and other claims. It gives financially distressed companies a chance to make a new start but under the restricted terms and conditions.

What are the benefits of DIP Financing to the companies facing financial crisis?

DIP Financing resolves myriad of the purposes of the debtors including:

  • Allows the debtors to operate during the Chapter 11 bankruptcy
  • Provides protection to the pre-petition lenders as well for their outstanding debt
  • Helps to keep positive cash flow and operations up and running
  • Provides time to the companies to resolve their issues with their stakeholders, lenders and purchasers
  • Enables the companies to take advantage of market opportunities
  • Assists in meticulous liquidation of  few or all the assets of a debtor
  • Lessens the risk of delinquent debt
  • Provides companies a platform to grow and  as well offers substantial flexibility
  • Re-establishes suppliers’ and customers’ confidence and faith in the company by providing uninterrupted services to the customers and meeting the obligations of the suppliers
  •  Provides funds to the companies to work out a resolution with the lenders before going to the court, thus  helping the debtors to appear in bankruptcy court with  a pre-packaged settlement
  • Crucial to difficult restructuring process as it accelerates the cash flow.
  • If managed  and executed properly DIP Financing can result in rejuvenilled  business and reduced percentage of debt in the balance sheet

Contact Wani and Associates P.C., if your business is facing any economical or financial crises. Our experienced and acknowledged team will lend you diligent support and advice to help you to turnaround your distressed business.  

Why should you Hire an Immigration Attorney?

Immigration Laws are the pathways that guide you about the terms and conditions that you should follow to be the citizens of the U.S. But the U.S. immigration law is very complex and it is always advisable to render the services of an eminent and professional immigration attorney to go through this complicated yet necessary process successfully. An acknowledged attorney can assist you in several ways including the following:

  •          An immigration attorney provides you guidance and counselling regarding visa applications, green card, citizenship, naturalization, deportation issues etc.
  •          If required, they would also act as mediators between the clients and immigration authorities like USCIS.
  •          Immigration lawyers also help you to submit application if you ever have been convicted of a crime.
  •          They assist to appeal for denied applications and also counsels you about re-applying and reasons of denial.
  •          An immigration lawyer can help you to file the application, if you are denied of entering U.S. because of a medical situation or condition.
  •          They can even help to accelerate your processing  in case of unduly delays; as they are well aware about the deadlines and waiting time involved in the process
  •          They help you in filing employment based visas and as well make sure that your employers are fulfilling their obligations
  •          Immigration lawyer prove highly supportive if you file visa on marriage basis and your marriage terminates before the conditions are removed from your permanent resident status. They help to prove that your marriage was not a fraud.
  •            Immigration lawyer also help you if your children reach the age of 21 before the permanent resident status is granted; as the immigration rules differ for children below and above the age of 21.
  •          Attorneys also help you with the additional documentation and paperwork asked by USCIS, in order to eliminate delays.
  •          They assist you with your citizenship tests and also help you to attain immediate access to citizenship, in case of an emergency.
  •          Immigration laws change often and immigration lawyers keep updated with those changes and see to it that you are filing according to the new validated rules
  •          If required, they also represent you in front of the appropriate government agencies.
  •          They also suggest you alternate ways to file your application because if you are denied on one basis; can find the approval according to another criterion.
  •          They also assist you with changing your immigration status.

Contact Wani and Associates P.C. for any of your immigration visa related needs and issues. Our acknowledged attorneys with their relentless service and efforts will help to resolve your immigration related issues and save your application from rejection. 

Essentials for Filing Bankruptcy

Which Factors should you Consider while Filing Bankruptcy?


Bankruptcy Attorney

Bankruptcy Attorney

Filing bankruptcy is like pressing the financial restart button as it enables the debtors to start afresh and resolves their major financial problems. But you consider filing Bankruptcy only when your debts become unmanageable, your expenses exceed your income and you are threatened with wage garnishment, foreclosure or repossession. Also it is very crucial to choose the right time to file bankruptcy as you can not file another bankruptcy easily.

Below mentioned are the factors that you should consider when filing bankruptcy:

  • Types of Bankruptcy: Before filing bankruptcy you should discuss with your attorney that your circumstances are in accordance with which type of bankruptcy chapter and should file accordingly. There are two main types of bankruptcy. ; Chapter 7 and Chapter 13. Under Chapter 7, all the debts are discharged or cancelled but Under Chapter 13, debtor has to repay the whole or parts of debts over three or five years.
  • Varying Eligibility: Every State has its own set of rules or standards regarding your asset custody, income and expense limits to define whether you can file bankruptcy under Chapter 7 or Chapter 13. Attorney’s fees and filing fees also vary from state to state.
  • Possession of Assets: Bankruptcy does not bereft you of all of you belongings or possessions. You can retain your personal property like; electronics, household furnishing and exempted articles. But retaining of larger assets like; your home or car again depends upon your state laws, type of bankruptcy and your finances.
  • Cost of Filing Bankruptcy: Cost included depends upon your attorney and your location as well. But with Chapter 13 bankruptcy, you can also include your bankruptcy filing costs in plan and pay them over three to five years. Initial consultations are usually free.
  • Credit Counseling Classes: It is mandatory to receive credit counseling classes from an approved non-profit budget and credit counseling agency, 180 days before filing a bankruptcy.
  • Search out your Creditors: Go to http://www.annualcreditreport.com to search out a whole list of creditors you owe to, as you need to add all the creditors on bankruptcy filing.

 Which are the debts that can not be discharged or cancelled under Bankruptcy?

  • Debts owed over $500.00 for luxury goods, purchased within 90 days of filing for bankruptcy
  • Any cash advances of $750.00 or more taken on credit card within 70 days of filing bankruptcy
  • Any Federal, State and Local income taxes that are due since last three years
  • Any Student loan that is due since last 7 years
  • Child support and alimony payments ordered by court, along with other divorce related debts
  •  Any court ordered fines and criminal restitutions
  • Any debt for death or personal injury cases caused while driving intoxicated
  • Debts that are not enlisted on Bankruptcy Petition
  • Any debts that arose after you  filed for bankruptcy
  • Any ‘Reaffirm Debt’ i.e. you have an agreement with the creditor that you will repay the debt, despite of including it on your Bankruptcy list.

What is your Do’s and Don’ts list for filing Bankruptcy?

  • Ensure that you have  submitted all the required paperwork and forms to your attorney on or before the requested date
  • Fill out all the required information and include all the necessary schedules and forms. If you submit incomplete documents; Bankruptcy Court may dismiss or deny your case or you have to file additional paperwork or pay more fees for that
  • Comply with all  the requests and requirement made by court, if you have any queries consult  your attorney immediately
  • Never make an attempt to hide or provide any inaccurate information about your assets, transactions, debts, income and expenses and financial history. Any fake or false information can subject you to 5 years in-prison and/or $ 500,000.00 fine
  • Never damage or hide any property within or after 1 year of filing bankruptcy to intentionally defraud your creditor as you would be subjected to above said penalties
  • Do not make false statements to court or attorney
  • Do not run after the ads that boast of or commit to cut off your debts for free or at lower prices, as these are frauds or scams and would land you in more debts than before                                                                                       

Contact Wani and Associates, P.C.

If your debts have become unmanageable and you are considering to file Bankruptcy, our expert and compassionate Bankruptcy attorneys can assist you to overcome your financial crisis and to make strategic decisions. Contact Wani and Associates, P.C. to get immediate relief and protection and reset your financial course of action.