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Your right to possess a gun in Washington State will be suspended if you have a conviction for a felony crime.  A conviction for a misdemeanor involving domestic violence will also take away your right to possess a gun.

The right to possess a gun, and the process for restoring the right to possess a gun, in Washington State is often misunderstood.  In Washington State, a person’s civil rights are restored after all sentence conditions are satisfied and probation ends.  For a felony conviction civil rights are restored when a document called a Certificate of Discharge is filed with the court.  However, this does not restore the right to possess a gun or any type of firearm.  The right to possess a firearm is separate, and must be specifically restored by a court.

Similarly, having a criminal conviction expunged does not restore the right to possess a gun.  In fact, when a court expunges a criminal conviction the Order specifically states the right to possess a firearm is not restored.

In Washington State, there are 5 steps, or criteria, that must be satisfied to restore your right to possess a gun.

1.  To be eligible to restore your right to possess a firearm, you cannot have any criminal charges pending against you.  This means if you are currently charged with any crime in a court in Washington State, a federal court, or a court in any other state, you are ineligible to have your right to possess a gun restored.

2.  The required amount of time has passed.Your right to possess a firearm can be restored in Washington State if at least five consecutive years have passed without being convicted of any crime.  The five year period applies if the conviction that suspended your right to possess a firearm was a class B or class C felony.  If you were convicted of a misdemeanor that suspended your right to possess a gun, then three years must pass before you can have your right restored.

3.  You were not convicted of a crime that permanently prohibits you from possessing a firearm.

Convictions for certain crimes take away your right to possess a gun permanently.  In Washington State, if you were convicted of a class A felony (most serious), you cannot have your firearm possession right restored.  Additionally, if you were convicted of a crime in another state or in federal court that would constitute a class A felony in Washington State, or which has a maximum sentence of twenty years or longer, Washington State law does not permit your gun rights to be restored.  The last category is sex crimes.  If you have a conviction for an offense classified as a sex crime under Washington law, then a Washington State court will not restore your right to possess a gun or other firearm.

4.  There is no court order currently in force that prohibits you from possessing a firearm.

Conviction of a crime is not the only means by which your right to possess a gun in Washington State can be taken away.  Some criminal court orders, and certain civil court orders such as a domestic violence protection order, will prohibit possessing a gun.

5.  You have never been involuntarily committed to a mental health facility for treatment.

If you were ever committed to a mental health facility without your consent, then you are not eligible to have your right to possess a firearm restored in Washington State.

As you can see, you can have your right to possess a gun restored in Washington State if you meet the criteria.  In most cases, these 5 steps take only a few weeks to complete.



Real Estate Professionals
Categories : home repossession
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Apr
30

Expunging Criminal Histories in Illinois

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EXPUNGEMENT OF CRIMINAL CASES IN ILLINOIS

            The arrest record of anyone ever arrested remains available to the public unless it is expunged.  This is true even if the case is dismissed or there is a verdict of not guilty.   

Expunged or Sealed:  Most criminal records without convictions can be expunged or sealed and even some records with convictions may be expunged or sealed.  When a record is expunged, it is erased, as if it never existed.  When a record is sealed, only law enforcement may view it.  Others, such as the general public, may not.  A record is best expunged, but is still beneficial to have it sealed.  For a record to be expunged or sealed, it must qualify. 

 

Necessary Information:  To start the process of expunging or sealing a criminal record, it is best to locate all the paperwork relating to the case or cases.  The following information is needed: 

·        Defendant’s contact information

·        Case number

·        What happened in court – a guilty plea, dismissal, etc.  This is called the “disposition” on the court record and it can be found at the courthouse where the case was heard.

·        Date of arrest

·        Agency or Police Department conducting the arrest. 

 

Additionally, it may be necessary to obtain a criminal history. Criminal histories can be obtained from the following places:

·        Illinois State Police, Bureau of Identification,

                               260 North Chicago Street, Joliet IL 60432,                   ·        The FBI, U.S. Department of Justice,                                1000 Custer Hollow Road, Clarksburg WV 26306.                 ·        The circuit clerk of the court where your case was handled. The clerks only have records for their counties not for the entire country or the State of Illinois.  Information for Illinois Circuit Clerks can be found at: http://www.state.il.us/court/CircuitCourt/CircuitCourtJudges/CCC_District.asp

            Records that can be Expunged:  To determine whether a record qualifies to be expunged or sealed, it is best to consult an experienced expungement attorney.  Some qualifying situations are listed below:

·        If the defendant was acquitted, released without conviction, found not guilty or   there was a no probable cause finding, or nolle prosequi (dismissed by the State’s Attorney).

·         Most cases qualify if there was *supervision ordered AND two years have passed since the successful completion of supervision.  The cases listed below require five years.

·        Cases in which an order of supervision or terminating probation was entered AND at least five years have passed since termination.  This applies to the following:

o       Uninsured motor vehicle

o       Suspended registration for non-insurance

o       Display of false insurance

o       Reckless driving

o       Retail theft

o       Certain cases involving Cannabis/Marijuana and Drugs and Alcohol.

·        Cases in which a conviction or sentence has been set aside and the court later determines you are factually innocent

·        Cases in which the governor has issued a pardon

 

Records that cannot be Expunged: 

·        A finding of guilt, with judgment on the finding, based on either a plea or verdict resulting in a sentence.  This does not apply to probation under the Cannabis, Controlled Substances, Steroid Control, or Alcohol and Drug Dependency Acts.

·        Probation (except under the acts listed above)

·        Supervision or conviction of a sexual offense against a minor under 18 years of age

·        Conditional discharge

·        DUI supervision

 Records that can be Sealed:   Below are some general requirements to have a record sealed.  However, to make sure, it is best to consult an attorney.

·        An adult or a minor prosecuted as an adult for a misdemeanor or municipal ordinance violation, and the defendant:

o       Was Acquitted  (Found Not Guilty)

o       Was Released without being convicted

o       Had a conviction was reversed either on appeal or by the trial judge

o       Received supervision for a misdemeanor AND had no convictions AND was not placed on supervision for a misdemeanor for three years following the termination of the case you are seeking to seal.

o       Had a case that was a qualifying Class 4 felony (possession of marijuana, possession of a controlled substance, and prostitution).

o       Received a misdemeanor conviction AND had no convictions or supervisions for a felony or misdemeanor for four years following your sentence.

·       Court Supervision may follow a guilty plea or a finding of guilt after trial. Supervision, if ordered by the judge and successfully completed, means there is not a record of conviction on the charge.  It should be noted that while supervision does not constitute a conviction, the supervision itself will stay on your public record unless expunged or sealed.  Court Supervision is like a continuance, pending the defendant’s good conduct, with dismissal of the charges upon acceptable compliance.  If the conditions are complied with, there is no conviction.  Supervision can be for up to two years and eliigibility for expunging or sealing does not begin until two or five years after the supervision is over.

If you have further questions about Illinois Expungement Law, please go to:

http://shestokas.com/Ask_an_Attorney.html     

Only matters charged as crimes or business offenses are covered by the information on this page.  Traffic tickets, divorces, or orders of protection are not covered by the rules above.

 

                                                                                          © 2008 Shestokas, Raines & Malavia



Rent Back Fast
Categories : home repossession
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Apr
29

Closing That House Sale

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As a real estate agent there are different phases that you must go through when selling a home.

(there is a free ebook that shows you how you can profit as an estate agent for you to download at the bottom of this page)

First off, you need to find somebody who is looking for the service that you offer. From there they will sign a contract, and you will be responsible for trying to sell their home as quickly as possible.

You can do this in a number of different ways, and it is your marketing efforts that will get people interested in the home that you are trying to sell. But the last step of the process may be the most difficult of all.

This is when you will try to close the sale, and wrap everything up. Although this may sound easy enough, closing the sale can be quite tough because you will be acting as the middle man between the buyer and the seller.

The main goal of any real estate agent is to sell the homes that they list. When a real estate agent sells a home they make money; it is that simple. So as you can imagine, when a real estate agent gets to the final step of the process they are anxious to try to close the deal, and then move onto the next one.

The very first step of the closing process is getting an offer from a buyer. The real estate agent will then relay this offer to the seller, and act as the middle man as the two sides negotiate back and forth. It is during this process that the real estate agent will want to pull out all the stops to try to mediate a sale. This does not mean that they will lie, but they will do everything they can to get the two sides to agree on terms.

When an agreement is made, you are almost there. The final step to closing a sale is to get the buyer and seller together to sign the papers.

The better a real estate agent becomes at closing sales the more money they will make. If you are new to the industry you may have a tough time with this at first. Just remember to learn something from each sale that you go through. Over time you will become a top notch deal closer.

Follow the above tips and you will do well.



Passive Income
Categories : Quick house sale
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When you let out your premises, you may have to deal with a number of different people. You may come across honest tenants who pay their rent on time and or come across problem tenants who may not be paying rent on time or may not be taking proper care of the accommodation provided to them. In the case of the latter, you can choose to evict problem tenants.

Sometime the tenants do not want to leave the property even when their tenure is over. They may create various problems and may not agree to leave your property. in such a case you can ask for professional help and get in touch with companies that can help to evict problem tenants easily.

You can contact companies that provide you with Tenant Eviction Services and also take care of Landlord and tenant disputes. For instance you can turn to Evict a Tenant that deals in tenant eviction services or, squatter eviction services and help you to evict problem tenants or, nuisance tenants. The process used by them ensures that your property is evicted as early as possible.

In order to Evict Squatters or, problem tenants, a notice is served on the tenants for the breach of the agreement. Many a time, the notice itself helps you to evict problem tenants or get the dues. But in case, the tenant continues to be a nuisance and does not vacate or, pay the rent then the next step is to issue proceedings against your tenant. There are companies that provide tenant eviction services and help you to arrange a court date and would also provide assistance for arranging the legal papers. Thereafter they are taken to judge in order to get a possession order.

In case you still have problems and could not Evict Problem Tenants then court bailiffs are arranged. The court bailiffs help to evict problem tenants who defy court orders and help you to get your property back.

Hiring the services of a professional firm can help you to deal with the complicated processes that are involved. For the best services you can opt for use provided by www.evictatenant.co.uk. They can help you to deal with nuisance tenants, and can also provide help in case of landlord and tenants dispute. They provide these services at affordable prices and help you to get your property back.



Real Estate Professionals
Categories : home repossession
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At times you find it exigent to sell a property very quickly, almost in no time. Unavoidable circumstances like divorce or separation from your partner may drive you to such an emergency. The common chemistry that united you together is not matching any more. The moral maths of the moment demands a separation. To get over with the stress and strains you are undergoing, you need a quick sale of your property.

Or it may be that you are in need of cash in a flash. With a next to zero bank balance, you may turn to friends and relatives to avail that. You try every reliable source but in vain. So, you see no other alternative than to bank upon your property. But selling a property involves some documentation which, in turn, wastes lots of time. Sometimes it takes months to receive the cash. So, how can you ensure a quick sale of your property!

Well, the answer lies in the estate agents. Under any such circumstances when you need to sell your property quickly, they can provide you with valuable service. They will buy your home, sometimes directly from you. There will be no intervention of any third party. The hassle of documentation will be very less. Most importantly, you will have the cash in your hand very quickly.

Selling a property through estate agents is really smooth and easy. Whatever your circumstances may be, they will be ready to buy your property. You may need a quick sale for bizarre reasons. Apart from divorce, separation and financial difficulties, you may want to sell your property for some other reasons. Thus, you might be lagging behind with your mortgage repayment; so much so that you are heading towards property repossession.

Or you may be going to buy a new home and want to sell out the old one. It may even be the case of going abroad all on a sudden. In all the above circumstances what you need is a quick sale of your property to be in control of your schedule. Your singular effort will not be enough to meet such an emergency. So, the help of an estate agent is a must. They will buy the property instantly, sometimes even within twenty for hours and shell out the money on time.



Rent Back Fast
Categories : Sale and Rent back
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The term CCJs mortgage has become a common one in recent years as lending becomes more diverse and sophisticated. These days it’s easy to get a CCJs mortgage; they are advertised on the television, in newspapers and online. But, while it might be easy to secure this type of borrowing, consumers need to be especially careful about the deal they end up with; after all, once you start paying for a CCJs mortgage, it’s too late to understand the potential pitfalls like steep interest rates and unforgiving mortgage tie-ins. That’s why seeking advice from an independent broker that specialises in loans like a CCJs mortgage – such as The Mortgage Broker Limited (TMBL) – should be your first port of call.

What is a CCJ?

The ‘CCJs’ part of a CCJs mortgage is an acronym for County Court Judgment. This is what happens when a creditor takes you to court in order to retrieve the money you owe. This could be from any credit agreement, from a mobile phone to a credit card. The CCJ will then sit on your credit file which is held, but not determined, by a credit reference agency such as Equifax, for a period of six years. This is the case even if you have repaid the debt – or ‘satisfied’ the CCJ.

How do I end up with a CCJs mortgage?

Standard mortgages do not allow borrowers to have CCJs on their credit files as they are deemed to be higher risk, but a CCJs mortgage will lend regardless. Unsurprisingly, you will pay for this privilege. In fact, depending on your particular circumstances, a CCJs mortgage can be double the cost of a standard deal. What’s more, as the borrower poses a higher risk in the eyes of the lender, a CCJs mortgage usually requires a larger deposit too. But perhaps one of the main downsides to a CCJs mortgage is that it can come with some hefty upfront fees and restrictive tie-ins.

Is a CCJ mortgage always a bad deal?

That said if you just have one or even two CCJs that do not amount to a lot of debt, a CCJs mortgage can be almost identical to a standard deal. And if your CCJ has been satisfied for some time, or perhaps occurred through no fault of your own, even some mainstream lenders will consider your application.

If I have to apply for a CJs mortgage, is it always my fault?

It is often the case that the only option left to consumers is a CCJs mortgage – but through no fault of their own. Life changing circumstances such as a divorce, illness in the family or the collapse of a business can often result in non-payment of debt and a CCJ can occur. And in some cases, such as an oversight, administrational error or change of address, borrowers are not even aware they have a CCJ and need to apply for a CCJs mortgage.

How can I get rid of a CCJs mortgage?

You will not have to stick with a CCJs mortgage for ever. Having demonstrated that you can repay the loan successfully for a period of up to three years, you will then be eligible for a cheaper mainstream deal that is accessible from the high street. That’s why borrowers should be very wary of a CCJs mortgage that comes with tie-ins of more than three years.

This and other numerous pitfalls of a CCJs mortgage are much better navigated with the helping hand of a mortgage broker like TMBL. After all, it could be that you won’t need a CCJs mortgage at all.



Passive Income
Categories : mortgage arrears
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Before you chose a Sale and Rent Back company you need to find out the following:

1. How long can I stay?

It is extremely important that you receive confirmation about how long you can stay. If you have no set timeframe and want to stay for the long term it is important that you receive confirmation in writing to this effect. This needs to be in both a letter of intent and the tenancy agreement must include a right to renew clause.

2. Will the rent rise and if so, when and by how much?

It is important you get the answer to this question in writing. It is common for landlords to raise rents every year or two but some sale and rent back companies may have longer fixed rent periods in exchange for a lower sale price. Matching annual rent rises with inflation or a small percentage (i.e 4 to 5%) is common. Be wary of a company that says it will never raise rents as they are likely lying (unless they have bought your property for a very small percentage of its market value).

3. Will there be a tenancy agreement?

If you are not offered one consider walking away. Having an Assured Shorthold Tenancy Agreement signed by both parties is very important to protect your rights as a tenant. Without this you may be classified as a squatter and forced to leave your property after the sale.

4. Do you intend to sell the property in the future?

If you are hoping to stay for the long term, obviously you want this answer to be no or not until you decide to leave. A good sale and rent back company will intend to rent out the property for the long term (even if you decide to leave and they have to get someone else in). They will have a buy and hold strategy and should not rely on selling their rent back properties to make their money.

5. Who will be responsible for repairs?

This should be clearly stated in the tenancy agreement but as a general rule the landlord (sale and rent back company) is responsible for all maintenance issues (i.e. broken boiler, leaking roof). This should all be made clear in the tenancy agreement.

6. Can I redecorate?

Most sale and rent back companies (and landlords in general) are okay with their tenants redecorating as long as they do not devalue the property in any way. It is in their interests for their tenants to feel like it is there home. You will need to get permission before you do any work.

7. Can I chose my own solicitor?

The sale and rent back company should allow you to chose your own solicitor and most of the good ones will pay the first GBP 500 of their fees. However, they will normally suggest that you chose one that they recommend. This is because they know they will do the job properly and quickly. One of the main reasons property purchases take so long is because of delays with solicitors so if you do chose your own the sale and rent back company are unlikely to guarantee the completion date.

8. Will any fees be payable upfront?

A good sale and rent back company will not charge you any fees up front. They should pay for any valuations and surveys necessary. If you are asked for any money up front refuse and use another firm. Some less reputable companies ask for a valuation fee and then make a ridiculously low offer.

9. Does the company have references?

A good reputable sale and rent back company should be able to provide you with testimonials from current clients.

10. How long will the process take?

A good company will be able to complete the sale in a timeframe that suits you. If you are not in a repossession situation they should have the ability and experience to complete quickly and stop the eviction (in 1 week or less if necessary). Normally the sale will take about 4 weeks but can be delayed if necessary (i.e. until the redemption penalty on the current mortgage expires)



Quick House Sale
Categories : Sale and Rent back
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Sec 498A of the Indian Penal Code a weapon in the hands of vamps

 

 

Introduction

 

 

Objective: The Indian Penal Code, 1860 was amended in the year 1983 to include the provisions of Section 498 A which deals with the punishment of the husband and his relatives if a married women is subjected to cruelty which is likely to drive a woman to commit suicide or cause grave physical or mental injury to her, and harassment with a view to coercing her or any of her relatives to meet any unlawful demands of property. The offence is cognizable, non-bailable and non-compoundable. Hence once a complaint is lodged on the above mentioned grounds the accused has a lot to bear before he can be given a clean chit. With the rise in modernisation, education, financial security and the new found independence the radical feminist has made 498A a weapon in her hands. Many a hapless husbands and in laws have become victims of their vengeful daughter-in-laws. Most cases where Sec 498A is invoked turn out to be false (as repeatedly accepted by High Courts and Supreme Court in India) as they are mere blackmail attempts by the wife (or her close relatives) when faced with a strained marriage. In most cases 498a complaint is followed by the demand of huge amount of money (extortion) to settle the case out of the court. My aim is to study the cause and effect relationship that this section brought about in the matrimonial sphere of the Indian society.

 

Scope : The scope of my article is to cover Section 498a of the IPC relating to  criminal law in which the wife and her family can charge any or all of the husband’s family of physical or mental cruelty. This law is unique to India as it not only discriminates based on gender (man Vs. woman), but also discriminates against women based on their relationship with the husband. Typically, the charged family members in these cases include:

• Mostly women of all ages (unmarried, married and pregnant sisters of the husband, his mother and sisters-in-law, elderly grandmothers and aunts)

• Other maternal and paternal relatives and even young children in the family.

The Report will deal with the ingredients of the section and what must be essentially proved to convict an accused under this section. I will also deal with the provisions relating to the cognisable and non-bailable provisions of this section. The non-bailability provision is grossly misused by unscrupulous wives who file false complaints against unsuspecting husbands and her in laws. The police in such cases register and FIR and forward the chargesheet without proper investigation in most of the cases. A lot of men have had their lives ruined because of this drastic section.

 

Methodology :

 

I have used the doctrinal method of legal research for this report. Thus it required an extensive study of the provision along with the relevant act of the Evidence Act and the Criminal Procedure Code. Reference to case laws have been made by going through case laws in relation to this provision.

 

Main Text :

 

The Supreme Court of India says, “But by misuse of the provision (IPC 498a - Dowry and Cruelty Law) a new legal terrorism can be unleashed. The provision is intended

to be used a shield and not an assassin’s weapon”. Laws originally meant to protect from the dowry menace are being misused by urban ill-intentioned, unscrupulous women and their families as “an assassin’s weapon” . There is a rapidly escalating social evil in Indian families, namely the misuse of the Dowry and Cruelty laws (Criminal Laws), which were originally meant to act “as a shield” for the protection of harassed women. Nowadays, the educated urban Indian women have turned the

tables. They have discovered several loopholes in the existing Indian judicial system and are using the dowry laws to harass all or most of the husband’s family that includes mothers, sisters, sisters-in-law, elderly grandparents, disabled individuals and even very young children.

We are not talking about the dowry deaths or physical injury cases but about dowry harassment cases that require no evidence and can be filed just based on a single-sentence complaint by the wife. With an approximately 60,000 such accusations per year, about 200,000 people are directly affected by these false accusations. The number of such cases has increased by about 100% in the last 10 years and by more than 15% in just the last two years. This poorly formulated law is inviting unscrupulous people to file false cases, and causing the imprisonment of innocent people without investigation. These innocent people undergo stigmatization and hardship even before a trial in the court of law which leads to immense emotional, physical and financial trauma. Unable to bear the harassment, the loss of reputation and the social consequences of being implicated in a false criminal case, some of these falsely accused husbands and their elderly parents are committing suicide. Despite the recommendations of the Supreme Court of India and Justice Malimath Committee that the legislative arm should modify the laws such that the innocent are protected, the suggested amendments to the law have been largely ignored. Unconstrained, this social evil is threatening the foundation of the Indian Family system. For every complaint filed by a woman, there are generally twice as many or more women are accused although the married couple may have never lived with any of the people mentioned in the criminal complaint.

Let us look into the general text of the section it reads 498A. Husband or relative of husband of a woman subjecting her to cruelty.–Whoever, being the husband or the relative of the husband of a woman, subjects such woman to cruelty shall be punished with imprisonment for a term which may extend to three years and shall also be liable to fine.

 Explanation.-For the purposes of this section, “cruelty” means-

(a) any wilful conduct which is of such a nature as is likely to drive the woman to commit suicide or to cause grave injury or danger to life, limb or health (whether mental or physical) of the woman; or (b) harassment of the woman where such harassment is with a view to coercing her or any person related to her to meet any unlawful demand for any property or valuable security or is on account of failure by her or any person related to her to meet such demand.

 

IPC-498a is

• Cognizable – The accused can be arrested and jailed without warrant or investigation

• Non-Compoundable – The complaint cannot be withdrawn by the petitioner

• Non-Bailable – The accused must appear in the court to request bail

The accused are presumed guilty, and for all practical purposes, the burden is on the accused to prove innocence in the courts. The FIR is typically an imaginary story, running into many pages, with absolutely no supporting evidence. It typically takes about 7 to 8 years for the accused to prove their innocence in the courts. Due to the overwhelmingly large number of false cases, the conviction rate in these cases is close to zero. The delay in the provision of justice amounts to the denial of justice. There is no penalty for the misuse of IPC 498a, and after acquittal of the accused, the courts are reluctant to entertain defamation and perjury cases against the falsely testifying witnesses.

We must look into why people misuse the provisions of Sec 498A of the IPC.

• Legal Extortion – Get-rich-quick-scheme to extort large amounts of money

• Prior Relationship – Wife has a prior relationship, and cannot get out of it. She marries to satisfy her parents, and then misuses the 498a law in order to obtain a divorce.

• Adultery – Women who indulge in adultery use 498a as a bargaining tool

• Domination – Wife wants the husband to abandon his parents and siblings, and have total control over his finances and social behaviour

• Custody - Deny the father and his family access to their child(ren).

• Fraudulent Marriages - in which the bride (and her family) hides her education level or mental health; and when is justifiably asked to release the person who has gone into marriage without knowing the full facts; she files a false 498a case.

The kind of women who are likely to file false 498A cases have certain typical traits :

• Who is suffering from pre-existing mental problems such as Borderline Personality Disorder, Bipolar Disorder, Schizophrenia, etc.,

• Whose family is nouveau riche and likes ostentatious display of wealth, possessions as well as social and political connections

• Who is used to living beyond her means

• Whose father is hen-pecked and whose mother dominates all family situations

• Who listens to and acts in accordance with her parents’ wishes at all times, exhibiting a lack of individuality and discretion in dealing with her married life

• Who pushes for quick involvement during the establishment of a marriage alliance, pressing the man and his family for an instantaneous commitment

• Who is excessively possessive and suspicious

• Who is self-centred and feels the need to dominate the relationship and every aspect of decision making

• Who tries to alienate her husband from his family and friends

• Who is hypersensitive and therefore easily insulted

• Who indulges in verbal abuse and constant criticism of her husband and in-laws

• Who uses blackmail (emotional or otherwise) and threats to get her unreasonable demands fulfilled by her husband and in-laws

• Who walks out on her husband following an argument and stays away from her husband indefinitely without any effort towards reconciliation

 

Today every husband is labelled a torturer and the mother-in-law a demon. A fair amount of blame for this rests on the media which, with a view to sensationalize the ‘story’ blows the news of ‘harassment’ or ‘torture’ of married women out of proportions, without properly investigating the veracity of the story. The news of alleged ‘torture, harassment, and misappropriation of stridhan’ of wife by ‘A’ was published prominently by a leading city newspaper, accusing several members of his family torturing her. The concerned reporter never bothered to verify the allegations with the husband of ‘A’. As the news carried his full name and those of his relatives, designation and the organization where he was working, it caused irreparable damage to the entire family’s image and hard-earned reputation in almost every circle they moved. Queries started pouring in following this news. Depressed as he was, ‘A’ immediately registered his protest with the editor. The newspaper did publish his rejoinder, but after a long time gap and without any apology for publishing an unverified report. One wonders where this growing tendency of misusing the useful laws by unscrupulous parties is leading the society. Harassing and victimizing women for dowry is condemnable. We all have sisters, and daughters, and undoubtedly they require legal protection from all forms of harassment and cruelty but what if the legal loopholes of this very law are misused by women to harass their husbands and in-laws?

The Apex Court has also commented on the possible misuse of this provision in a number of cases. Right to life and liberty of every citizen is guaranteed under Article 21 of the Constitution of India. But this life and liberty can be curtailed if they hinder others’ life and liberty. For that due process of law is necessary. While civil law determines what is right and what is wrong, the criminal law imposes penalty to deter.

Section 498A was inserted in the Indian Penal Code in 1984 with a view to protect women against dowry harassment. From the very beginning of this law there has been reaction from the society including legal luminaries that this law could be misused and its effects on the society would be deleterious. In their judicial observations and remarks, the courts have expressed deep anguish over this law. Here are some recent judicial observations.

Way back in 1990 Punjab and Haryana High court observed in Jasbir Kaur vs. State of Haryana, (1990)2 Rec Cri R 243 case as:

“It is known that an estranged wife will go to any extent to rope in as many relatives of the husband as possible in a desperate effort to salvage whatever remains of an estranged marriage.”

In Kanaraj vs. State of Punjab, 2000 CriLJ 2993 the apex court observed as:

“for the fault of the husband the in-laws or other relatives cannot in all cases be held to be involved. The acts attributed to such persons have to be proved beyond reasonable doubt and they cannot be held responsible by mere conjectures and implications. The tendency to rope in relatives of the husband as accused has to be curbed”

Karnataka High Court, in the case of State Vs. Srikanth, 2002 CriLJ 3605 observed as:

“Roping in of the whole of the family including brothers and sisters-in-law has to be depreciated unless there is a specific material against these persons, it is down right on the part of the police to include the whole of the family as accused”

Supreme Court, In Mohd. Hoshan vs. State of A.P. 2002 CriLJ 4124 case, observed as:

“Whether one spouse has been guilt of cruelty to the other is essentially a question of fact. The impact of complaints, accusation or taunts on a person amounting to cruelty depends on various factors like the sensitivity of the victim concerned, the social background, the environment, education etc. Further, mental cruelty varies from person to person depending on the intensity of the sensitivity, degree of courage and endurance to withstand such cruelty. Each case has to be decided on its own facts whether mental cruelty is made out”

Delhi high Court, in Savitri Devi vs. Ramesh Chand, 2003 CriLJ 2759 case observed as:

“These provisions were though made with good intentions but the implementation has left a very bad taste and the move has been counter productive. There is a growing tendency amongst the women which is further perpetuated by their parents and relatives to rope in each and every relative including minors and even school going kids nearer or distant relatives and in some cases against every person of the family of the husband whether living away or in other town or abroad and married, unmarried sisters, sisters-in-law, unmarried brothers, married uncles and in some cases grand parents or as many as 10 o 15 or even more relatives of the husband.”

Punjab and Haryana High Court, in Bhupinder Kaur and others vs. State of Punjab and others, 2003 CriLJ 3394 case observed as:

“From the reading of the FIR, it is evident that there is no specific allegation of any act against petitioners Nos.2 and 3, which constitute offence under s.498-A I.P.C. I am satisfied that these two persons have been falsely implicated in the present case, who were minors at the time of marriage and even at the time of lodging the present FIR. Neither of these two persons was alleged to have been entrusted with any dowry article nor they alleged to have ever demanded any dowry article. No specific allegation of demand of dowry, harassment and beating given to the complainant by the two accused has been made. The allegations made are vague and general. Moreover, it cannot be ignored that every member of the family of the husband has been implicated in the case. The initiation of criminal proceedings against them in the present case is clearly an abuse of the process of law”

 

Jharkhand High Court in Arjun Ram Vs. State of Jharkhand and another, 2004 CriLJ 2989 case observed as:

“In the instant case, it appears that that the criminal case has been filed, which is manifestly intended with mala fide and ulterior motive for wreaking vengeance on the accused and with a view to spite him due to private and personal grudge.

In this connection reliance may be placed upon AIR 1992 SC 604: (1992CriLJ 527)”

Supreme Court, in a relatively recent case, Sushil Kumar Sharma vs. Union of India and others, JT 2005(6) 266 observed as:

“The object of the provision is prevention of the dowry menace. But as has been rightly contented by the petitioner that many instances have come to light where the complaints are not bonafide and have been filed with oblique motive. In such cases acquittal of the accused does not in all cases wipe out the ignominy suffered during and prior to trial. Sometimes adverse media coverage adds to the misery. The question, therefore, is what remedial measures can be taken to prevent abuse of the well-intentioned provision. Merely because the provision is constitutional and intra vires, does not give a licence to unscrupulous persons to wreck personal vendetta or unleash harassment. It may, therefore, become necessary for the legislature to find out ways how the makers of frivolous complaints or allegations can be appropriately dealt with. Till then the Courts have to take care of the situation within the existing frame work.  

But by misuse of the provision a new legal terrorism can be unleashed. The provision is intended to be used a shield and not an assassin’s weapon. If cry of “wolf” is made too often as a prank assistance and protection may not be available when the actual “wolf” appears. There is no question of investigating agency and Courts casually dealing with the allegations. They cannot follow any straitjacket formula in the matters relating to dowry tortures, deaths and cruelty. It cannot be lost sight of that ultimate objective of every legal system is to arrive at truth, punish the guilty and protect the innocent. There is no scope for any pre-conceived notion or view. It is strenuously argued by the petitioner that the investigating agencies and the courts start with the presumptions that the accused persons are guilty and that the complainant is speaking the truth. This is too wide available and generalized statement. Certain statutory presumptions are drawn which again are rebuttable. It is to be noted that the role of the investigating agencies and the courts is that of watch dog and not of a bloodhound. It should be their effort to see that an innocent person is not made to suffer on account of unfounded, baseless and malicious allegations. It is equally undisputable that in many cases no direct evidence is available and the courts have to act on circumstantial evidence. While dealing with such cases, the law laid down relating to circumstantial evidence has to be kept in view.”

Justice Malimath Committee on Reforms of Criminal Justice System, Government of India, Ministry of Home Affairs, 2003 observed the following and gave the recommendation to amend the law immediately:

“16.4.4 In less tolerant impulsive woman may lodge an FIR even on a trivial act. The result is that the husband and his family may be immediately arrested and there may be a suspension or loss of job. The offence alleged being non-bailable, innocent persons languish in custody. There may be a claim for maintenance adding fuel to fire, if the husband cannot pay. She may change her mind and get into the mood to forget and forgive. The husband may realize the mistakes committed and come forward to turn a new leaf for a loving and cordial relationship. The woman may like to seek reconciliation. But this may not be possible due to the legal obstacles. Even if she wishes to make amends by withdrawing the complaint, she can not do so as the offence is non compoundable. The doors for returning to family life stand closed. She is thus left at the mercy of her natal family.

16.4.5 This section, therefore, helps neither the wife nor the husband. The offence being non-bailable and non compoundable makes an innocent person undergo stigmatization and hardship. Heartless provisions that make the offence non-bailable and non-compoundable operate against reconciliations. It is therefore necessary to make this offence (a) bailable and (b) compoundable to give a chance to the spouses to come together.

(118) The Code may be suitably amended to make the offence under Section 498 A of the I.P.Code, bailable and compoundable.”

These are only a few observations of their lordships from scores which conclusively prove that:

1. A woman (not necessarily every woman) can be much more cruel than a man (not necessarily every man).

2. While intending to protect the life of a person, s.498A of IPC jeopardizes around a dozen innocent persons whether they are children or old. Hence, the provision is discriminatory and in violation to the Article 14 of the Constitution of India.

3. Instead of restoring equilibrium, the provision aggravates disequilibria. Hence, it is not only imbalanced but also there is a failure of guarantee of right to life under Article 21 of the Constitution of India.

4. For the reasons stated under conclusions 3 and 4 above the provision is not only imbalanced but also ultravires. Because of these maladies the provision needs to be amended at the earliest to protect the life and liberty of millions of innocent people including children and old. Prior to that the learned and honourable courts may consider imposition of heavy penalty as done in case of vexatious PILs. Such PILs are only vexatious but in the matter of the cases may be false, mala fide, malicious and revengeful.

 

What could be the possible alterations in the present system and the law?

 

1. Role of Women NGOs: These organizations should investigate complaint properly without any bias towards the woman keeping in mind that the law is being misused largely to harass more women in husband’s family. They should not encourage any woman to file a criminal case against her in-laws for trivial matters. Foreign Women Organizations should also take responsibility of not allowing false complaint to be registered against NRI’s just to harass and extort huge amount of money from them. These organizations should also conduct survey/research on the misuse of the act and should educate people about its consequences. If these organizations are found to be assisting in filing false complaints, then they should be made liable for prosecution in the country where they are functioning.

 

2. Family Counselling Centres: Numerous cases of men being harassed by wife or/and in-laws have come to light from different parts of the country. As of now there is no organization, which can really help these harassed men and his family members, to listen their side of the story and put their point of view in front of the government. Need of the hour is to create family counselling centres across the country to help those aggrieved families.

 

3. Time bound Investigation and Trial : A speedy trial of 498(a) cases will not only ensure justice for the innocents that have been implicated in false charges, it will also lead to prompt redressal of the grievances of real dowry victims .The reduction in false cases will also reduce the burden on judiciary and expedite the processing of real cases.

4. Definition of Mental Cruelty: Mental cruelty has been vaguely defined in the act, which leaves scope of misuse. This should be clearly elaborated to remove loopholes in the law. There should be provision for men also to file a case for mental cruelty by his wife.

 

5. Investigation by Civil authorities: The investigation into these offences be carried out by civil authorities and only after his/her finding as to the commission of the offence, cognizance should be taken. The government should create awareness among officers about its misuse.

 

6. Bailable: The main reason of 498a being misused to harass innocent is its non-bailable nature. This section should be made bailable to prevent innocent old parents, pregnant sisters, and school going children from languishing in custody for weeks without any fault of them.

 

7. Compoundable: Once FIR has been registered it becomes impossible to withdraw the case even if wife realizes that she has done a blunder and wants to come back to her matrimonial home. To save institution of marriage this should be made compoundable. Moreover, in the scenario where the couple decides to end the marriage by mutual divorce, continuation of criminal proceedings hamper their life.

 

8. Arrest Warrants: Arrest warrant should be issued only against the main accused and only after cognizance has been taken. Husband family members should not be arrested.

 

9. Penalty for making false accusation: Whenever any court comes to the conclusion that the allegations made regarding commission of offence under section 498a IPC are unfound, stringent action should be taken against persons making the allegations. This would discourage persons from coming to courts with unclean hands and ulterior motives. Criminal charges should be brought against all authorities that are collaborating with falsely accusing women and their parental families.

 

10. Court Proceedings: Physical appearance of the accused on hearing should be waved or kept low to avoid hassles in appearing to the court, especially for NRIs. The court should not ask to surrender passport of the husband and his family which could cost job of the husband and his family members.

 

11. Registration of Marriage and Gifts Exchanged: The registration of marriages should be made compulsory along with the requirement that the couple make a joint declaration regarding the gifts exchanged during marriage.

 

12. Punish Dowry Givers: If the complainant admits giving dowry in the complaint, the courts should take cognizance of the same and initiate proceedings against them under the relevant sections of the Dowry Prohibition Act

 

13. Penalize corrupt Investigation Officers: If it is apparent to the court that a fair investigation has not been conducted by the investigation officer, and that the husband

and his family have been charge-sheeted without proper verification of the complaint, the investigation officer should be penalized for gross negligence of duty.

 

14. NRI Issues : Unless they are proven to be guilty after the due judicial process, NRIs should be a given a fair chance to justice by assuring them of the following -a) Permission to return to country of employment b) No impoundment/revocation of passport and no Interpol Red Corner Notices. c) No unnecessary arrests d) Expeditious investigation and trial

 

15. Gender Neutral: Everyone should have equal rights and responsibilities, irrespective of gender. In the current social context, there should be similar laws to protect harassed husband and his family members from an unscrupulous wife.

 

CONCLUSION

 

IPC section 498a was originally designed to protect married women from being harassed or subjected to cruelty by husbands and/or their relatives. This law was mainly aimed at curbing dowry harassment. Unfortunately, this law has been misused to harass men and their families rather than protect genuine female victims of harassment. The Supreme Court of India itself has labelled the misuse of section 498a as “legal terrorism” and stated that “many instances have come to light where the complaints are not bona fide and have been filed with an oblique motive. In such cases, acquittal of the accused does not wipe out the ignominy suffered during and prior to the trial. Sometimes adverse media coverage adds to the misery.“ In agreement with the above statement, the findings of a study conducted by The Centre for Social Research indicated that 98 percent of the cases filed under IPC section 498a are false. Nevertheless, the law has been always justified based on its intention of protecting women. At this point it would be worthwhile to think about how IPC section 498a has really affected women.

 

It has been argued by Government officials favouring the law that despite the establishment of legal measures to counter harassment of married women, there is an increase in the number of cases of harassment. The first part of the statement suggests that women who are harassed should be utilizing this law as a means of protection. If harassed women indeed used the law then we should see a decrease in the number of cases of harassment over time. Considering the stringent consequences imposed by the law and the inordinate delays inherent in the legal system, no ordinary citizen, male or female, would be impudent enough to risk being implicated under this law for the sake of satisfying their monetary or even sadistic desires for that matter. The fact is that many women who are actually beaten up and harassed by their husbands and in-laws rarely file 498a or resort to other dowry related laws. A lot of them live in rural areas, unaware of the law or lack the necessary economic and moral support from their natal families. Going by the conviction rate the proportion of women who have genuine cases is 2%. Most women who file 498a are from urban backgrounds and are either capable of fending for themselves or have enough family support to fall back on. The proportion of women who belong to this category is 98%. In the 98% of false cases, in every instance that 1 daughter-in-law files a false complaint at least 2 women (an innocent mother-in-law and sister-in-law) are arrested and undergo stress, humiliation and harassment in the hands of the exploitative police, lawyers, staff and officials in Indian courts before being acquitted several years later. So, in every 100 cases 2 women genuinely benefit, 98 women get away with perjury and extortion, and at least 196 women suffer needlessly.

 

The number of cases that are filed in police stations or courts are the basis for the official statistics of dowry harassment. So, given that the law allows women unlimited scope to fabricate lies (with no penalty of perjury) and given that women are encouraged to keep filing false cases the statistics of “dowry harassment” are bound to rise while the problem of genuine harassment is left unchecked. So, the government has, in the name of protection of women, done grave injustice to two groups of women. The first group constitutes the genuine victims of dowry harassment whose misery remains unresolved but is constantly alluded to in order to justify the law. The second group consists of innocent mothers and sisters of husbands who are criminalized and harassed by the police and the legal system without any regard to their age, health or marital status. Pregnant women, unmarried sisters, ailing mothers and even aged grandmothers have been sent behind the bars under false allegations but their pain and suffering has not even been acknowledged leave alone addressed by the Government. Through IPC section 498a, the Government is actually protecting those women that indulge in perjury, blackmail, extortion and harassment of their husbands and inlaws.

 

 



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Reasons can vary as to what landed you in a financially crunch situation and you may be looking for a quick remedy out of it. House sale is one of most viable solutions to take care of your cash-shortage. At such times, quick house sale gives you the facility of a guaranteed sale that is quick as which meets the time-bound demands of the situation.

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Apr
22

Top 10 Home Insurance Myths Debunked

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Myth #1: Standard home insurance covers flood damage.

Fact: Standard home insurance does NOT cover damage caused by a flood. If you feel that you need coverage for a flood you should purchase a separate flood insurance policy.

Myth #2: The Medical Payment portion of my homeowners insurance will cover injuries to me and my family.

Fact: MedPay, a common feature of standard home insurance policies, is there to protect you in the event that someone other than you or your family (a neighbor, friend, etc) gets hurt on your property and they do not want to sue you. MedPay will typically cover up to $1,000 for each covered claim to someone outside of your family. If you or your family, however, gets hurt on your property they are not covered by your home insurance policy.

Myth #3: If my home is ever lost, my insurance company will reimburse me for whatever I tell them I owned at the time of loss.

Fact: In the event of a covered loss your home insurance company will ask you to make a list of everything you own and include specific details such as purchase price, date of purchase, serial numbers, etc. (Imagine trying to do this from memory!) The best way to avoid this situation is to have a home inventory already put together. Use a checklist like this one: http://homeinsurance.com home insurance home inventory checklist. Make sure to include photos, receipts, serial numbers and anything else that will help you prove ownership. Don’t risk not having everything replaced in the event of a disaster. Make sure to keep your inventory in a fire proof safe or at a friend’s house so it is still around when you need it!

Myth #4: If I file a home insurance claim, my home insurance premium will definitely go up.

Fact: While many home insurance companies do look at your claims history, there are many other factors that determine how much you will pay for home insurance. Filing one claim over a period of a few years might not increase your home insurance premium. To be on the safe side, always think twice before filing a claim for minor damages to your home. Consider your deductible. If the total cost of repair is not too much more than your deductible you might want to consider paying for the repairs yourself. While this might cost you more upfront, it might save you from an increased premium. If, because of a stroke of bad luck, you have to file multiple claims over a period of a few years and your premium is steadily increasing, rest assured there are other ways to save on your home insurance. Ask your agent about home insurance discounts. Sometimes simply installing a smoke alarm, burglar alarm system or by adding your auto policy to your home policy, you can save a great deal of cash.

Myth # 5 All of my valuables- like jewelry -will be covered in the event of a burglary.

Fact: There are limits on the amount of coverage you can receive for valuable such as jewelry, furs, etc. For example, most companies put a cap of $1500 on total jewelry lost during a burglary of your home. If you find that your jewelry values over $1500 you should talk to a home insurance agent and schedule an endorsement on your policy giving you additional coverage.

Myth # 6: My home insurance covers mold and/or other issues related to lack of maintenance.

Fact: Actually, a standard home insurance policy does not cover issues related to a lack of maintenance. For example if a plumbing leak that was left unfixed caused mold to grown in the interior walls of your home- mold removal and remediation would NOT be covered in your home insurance. Remember that your home insurance only protects you from damage caused by covered perils such as wind, hail, lightening, fire and theft. Keeping your home well maintained and safe for others is your responsibility and your home insurance company will decline coverage for maintenance related claims.

Myth #7: Flood Insurance is only for people who live in a flood zone.

Fact: Lending institutions, such as the bank that holds your mortgage, will require you to obtain flood insurance if you live in a major Flood Zone. However, keep in mind that all homes are at the risk for flood and standard home insurance policies do NOT cover flood related damage to your home. Due to the recent flooding in the Midwest the importance of this type of coverage for homeowners outside of a major flood zone has become even more apparent. If your home is flooded and you do not have flood insurance you will be on your own to replace your home and its contents. Flood insurance is a wise idea for every homeowner.

Myth #8: I will have to skimp on my coverage in order to save money on my home insurance.

Fact: Saving on your home insurance does not mean that you have to give up important parts of your coverage. It is very important to always be adequately insured in the event of a loss. However, there are lots of ways that you can save money on your home insurance that do not involve changing your coverage. Home Insurance discounts are available for homeowners who use burglar alarms, smoke alarms, deadbolts and other protective devices. Want more savings? Ask your agent about combining your home insurance and your auto insurance policies- you can usually save up to 15% this way.

Myth #9: When determining my coverage, I should use the purchase price for my house as my dwelling coverage amount.

Fact: A common mistake when homeowners are getting quotes for their home insurance is that they use the purchase price of their home to determine their dwelling coverage. Yet, the purchase price of your home includes the land under your home- which does not need to be replaced in the event of a fire or other peril to your home. For this reason, your dwelling coverage should always reflect the replacement cost of your home- or how much it would cost to rebuild your home in the event of a total loss. To determine this amount, multiple the sq. footage of your home by local construction costs. You can use a http://homeinsurance.com/calculators/ home insurance calculator to help you determine the amount if necessary.

Myth #10: You can not buy a home without purchasing homeowners insurance.

Fact: This is a tricky one. Because while you actually CAN buy a home without home insurance (a lender may not require it or you may, although rare, pay cash for the home) you should still always have home insurance on any property you own. Whether a lender requires it or not, the risk is always there. It would only take one fire or lightening storm to destroy your home and leave you uncovered.

 



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