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Most individuals in NJ Municipal Court elect not to engage counsel, often to their own peril.  Plainly speaking, an unrepresented defendant doesn’t know what he’s getting into.   They think it will be easy to figure out, after all, it’s just a traffic ticket…but they often end up walking around aimlessly, spending hours in Court and without the slightest notion on how to address their matter.  In contrast, an attorney knows the viable defenses, knows rules of the game, knows who to talk to, where to go, where to stand, what to say and often the players involved (the Prosecutor, Officer and Judge).  This tutorial is designed to help those befuddled defendants tread the murky waters of appearing in NJ Municipal Court without Counsel.  Remember, I’m not suggesting you should go without counsel, quite the contrary.  But if you do, you will find some if not all of the following material helpful.  The question and answer format is straight forward and easy to read, taking the defendant from the point where he is issued the ticket to the ultimate disposition of his matter, paying the fines at the window (thats right, you may well plead or be found guilty of something).



My ticket has a Date to Appear listed.  Do I just show up on that date?

At every Court session in every Municipal Court there are a handful of people who find themselves in a frustrating predicament that requires them to make an unnecessary extra Court appearance.   If you look at your traffic summons you will see toward the bottom the words “Notice to Appear” with a Court date written just underneath.  Understandably many look at that language, see the Court date and conclude that they should appear on that date and time.  Not so fast.  To the left of the Court date is a box that is either checked or not checked “Court Appearance Required.” If it is checked then yes, you should appear for Court whether you want to or not.  However, if it is not checked, one of two things has happened.  Either A) the officer neglected to check Court Appearance Required, or more likely B) you don’t have to appear.  A clue to what is going on is on the back of your ticket.  Turn the ticket over and two thirds of the way down in red writing it states:

“If you wish to plead not guilty, you must notify the court at the address and telephone number as  shown below at least 7 days prior to the Court date listed on the front of this ticket.  If you fail to notify the Court, it may be necessary for you to make additional Court appearances.”

What does that mean?  It means that if you had a payable ticket that is not checked “Court Appearance Required” and showed up for Court without calling first, you have wasted a trip.  Court is aggravating enough without having to be told you have to come back another time.  The “Date to Appear” is not the date to appear if that box isn’t checked. In actuality, it is the date by which you should pay your ticket  if you plan to pay the fine.  If you want to go to Court and work out a deal with the Prosecutor, make sure you call the Court ahead of time.  (7 days, by the way, is a guideline more than any hard and fast rule).  That way the Court will schedule the matter when the officer is available.  Invariably  5 or 6 people show up at Court having read what looks like the plain language on the ticket and they are turned away and told they will be receiving a new Court date in the mail.

 

My notice for Court says that I should appear at 9:00 am.  Should I get there early so I can get the jump on everyone else?

It’s probably not necessary.  Municipal Court is very much described by the familiar adage “hurry up and wait.”  Your notice indicates a specific start time but the Court will hardly ever start at the start time. Some Courts deviate from this general practice but most often the Judge will not take the bench for up to an hour after Court officially starts. You should get to Court by the start time but getting to Court half an hour early provides no distinct advantage.

 

I have to wait an hour for the Judge to take the bench?  Why?

You might think the Judge, being learned, is reading law books and brushing up on his Judge skills but what he is usually doing is simply waiting for the Prosecutor to get his act together.  Usually, the Court session is largely run by the Prosecutor who works out all of the matters he can  to present to the Judge.  He sets up the pins and the Judge knocks them down.  If the Judge were to come out earlier, he would say his opening remarks (discussed later) and then have no cases to move.  He would sit there scratching his head until the Prosecutor put something in front of him.  So, believe it or not, for expediency, it doesn’t make a lot of sense for the Judge to take the bench right away.

 

I’m scheduled for Court in the morning and I’m suppose to be at work that day.  How long is this all going to take?

Longer than you expect.  There are times in your life where you feel like a number, and this is one of those times. You may be surprised to find that you and up to a hundred or more other people are scheduled for Court at the same time.  If your notice says to be there on Tuesday at 9:00 am, so does everybody else’s notice.   So when is Court over?  To borrow a line from Yogi Berra, “Court ain’t over till its over.”   Someone will be first, someone will be last and there may be three, four or even five hours in between.  You might want to tell the office/workplace you will need the day off.

(Note: if you like to wait in lines, Municipal Court is the place for you.  There is the line where you check in, the line for the Prosecutor and the line to pay your fines.  Sometimes you’re in a line which is waiting to get in yet another line. Be prepared.)

 

Do I need to check in?

Many Courts have a check-in procedure which means that you have to find the window where the Court Clerk, or nowadays, Court Administrator’s office is, and advise you have appeared.  Sometimes the way this works is you reach the person at the window and they tell you that there really is no check in procedure, or that you will be checked-in inside the Courtroom.  If that is the case, you should enter the Courtroom and find a seat and wait until your name is called.  The reason for this check-in procedure is that, surprisingly, many people don’t appear for Court.  The Court wants to set aside the matters for people who have appeared and will deal with those who don’t appear later.

 

What if I choose not to appear?

Not a good idea.  If you are scheduled for Court and fail to appear or if the Court date on your ticket has passed without you contacting the Court Office, a warrant for your arrest can issue.

 

What happens when the Judge takes the Bench?

At some point the Judge finally emerges from some back room whereupon he will offer his Opening Remarks.  You are asked to “rise” and it is announced that  Court is in session.  The Judge graciously allows you to sit back down and, in general, will advise you of the following:

“You have certain rights in Court, i.e. the right to be read the charges, the right to a trial,  the right to an attorney, the right to a reasonable postponement, the right to remain silent.  You have the right to call witnesses and to cross-examine the Prosecution’s witnesses.   The Prosecutor, as in any criminal proceeding, has to prove your guilt “beyond a reasonable doubt.”  If you don’t like the Court’s finding or the penalty imposed, you have 20 days to appeal….

(An appeal, by the way, is not a do-over.  The case isn’t heard all over again in a higher Court. The hearing you have in Municipal Court is all you get and an appeal is a review of that Municipal Court proceeding.)

…All of the proceedings in Court are being taped for the purpose of appeals so there shouldn’t be any talking.”

(This no talking stuff doesn’t sound like it should be a big deal but it is.  Most Court’s get very uppity about silence in the Courtroom.  Cell phones are a particular “no-no” and should yours  go off, you can get in more trouble than you would for the traffic charge you are facing.  No kidding.)

The Judge will offer some further instructions but the above is pretty much the gist of it. These opening remarks are very important to take note of and they are made for the record in the event a defendant later claims he was never told about this right or that right.

 



What do I say when the Judge calls my name?

Somewhere during this process either the Court Administrator or the Judge may  “call the list.” This is where the list of names on the calendar is called, usually in alphabetical order, and you are asked to respond.  This can be one of those nervous moments where you aren’t sure what to say, some people even start blurting out their defense,  but you should merely state something like “Not Guilty Your Honor.  I’d like an opportunity to discuss my case with the Prosecutor.” The Judge will be very impressed and then move on to the next name on the list.   The fact is that you are not pleading guilty yet as you are still facing the charge as written.  You will likely be pleading guilty later if and when the Prosecutor amends the charges to something else.

 

I don’t want to plea bargain, I want to have a trial.  It’s the officer’s word against mine.  I’m sure when the Judge hears my side of the story he will understand and I’ll win.

You are innocent until proven guilty, this is true.  Still, it ordinarily doesn’t take much of an effort for an experienced Prosecutor  to make that leap from your innocence to your guilt.  If you think that your subjective belief that you didn’t do anything wrong is going to sway the Judge you are probably mistaken.  Many people think that if the Judge simply “hears my story” he will toss out their case.  The Judge, however, wasn’t there at the scene to see that you did nothing wrong.  He has to rely on the testimony that is presented to him.   Most often in any traffic ticket trial there are two witnesses, the defendant and the officer.   Certainly “beyond a reasonable doubt” sounds like a very lofty pursuit for a Prosecutor.  You will wonder if it is only your word against the officer’s, how are you going to be found guilty “beyond a reasonable doubt”?  Why should the officer be believed and you be disbelieved?   Couldn’t the officer be mistaken?  Doesn’t the officer have some stake in the outcome of the case?  What makes his testimony any more credible than yours?

These are all legitimate inquiries.  Unfortunately, they won’t usually carry the day. Practically speaking, if cases were dismissed in Municipal Court for these reasons, very few people would ever be convicted. Conceivably, in every case where it is the officer versus the defendant (which is nearly every case), the Court could say to itself, “Hmmm, maybe the police officer is lying or mistaken” and throw the ticket out.  Ponder that notion for a minute.   If that were true, nearly every single case could be dismissed on these grounds. Such a logical extreme could never be tolerated. Our system of justice, as it were, would be turned on its head.   Instead, the Courts use reasoning that is probably correct 99% of the time. The officer has no axe to grind.  He is trained and experienced and would have no compulsion to single out an innocent driver like you over the numerous guilty drivers out on the road he could have pulled over instead.  He has nothing to gain by bringing the case against you.   Conversely, you have everything to lose.  You have no training, your speedometer hasn’t been calibrated and any witness you might have brought is related to you or is your friend and would obviously be biased in your favor.  This is the reasoning that results in a finding of guilt in the great majority of contested Municipal Court matters.   No, its not a perfect system but, practically speaking, it is better than the alternative of permitting nearly everyone to beat their tickets for what are likely illegitimate grounds.

 

I want to plea guilty but I want to plea guilty with an explanation.  There was a good reason I violated the statute.  Does that make any difference?

Unless your “good reason” is a legal defense it won’t affect the outcome.  Feel free to plea guilty with an explanation but we’re talking semantics.  Guilty is guilty with or without your explanation. The judge may consider your explanation with respect to sentencing as a mitigating factor but he won’t throw the ticket out if that is your expectation.

 

The officer misspelled my name and/or  he got a number wrong on my license plate.  Will the ticket be thrown out?

Doubtful.  Short of failing to sign the ticket, there is virtually nothing the officer can do wrong on the ticket that will invalidate it.  While this tactic seems to work in other States (notably New York), New Jersey does not get overly concerned that a number or letter is off on your summons.  If there is enough on the summons to advise a reasonable person where and what they did wrong, that will usually be enough.  The Court on its own motion or the Prosecutor may simply amend the ticket to reflect the correct spelling or number.

 

A friend of mine told me that if the officer doesn’t show up in Court, the ticket dismissed.  Is this correct?

Generally, no.  This is another misconception because theoretically it should be true.  In theory, if you appear and the Prosecution’s witness (the officer) doesn’t, there is no case to present and the case fails due to “Lack of Prosecution.” The problem is that the Court will not generally go so far as to throw out a case if this happens just once.  You can ask the Judge to dismiss the matter and then the Prosecutor, who is aligned with the officer, will stand and offer just about any excuse as to why the officer did not appear.  He may not even offer an excuse but he will do handstands if necessary to get an adjournment to ensure that the officer’s appearance the next time.  In New Jersey, unlike some other jurisdictions, an officer can be reprimanded if his case is dismissed due to lack of prosecution so, as stated, the Prosecutor goes to great lengths not to let that happen.  The Judge is also aware of the officer’s predicament so he may also have this in the back of his head.  It is possible that the case can be adjourned even more than once for these reasons and consequently, you are forced to return over and over.  By the time the officer does show up, he may be less than thrilled to meet you nor be very accommodating.  So, while in theory, the case can be dismissed due to Lack of Prosecution, it is a rarity.

 

I received a speeding ticket from a cop and while I may have been speeding, there is no way I was traveling as fast as he wrote me for.  He was a real jerk and when I asked to look at his radar unit to see the reading, he wouldn’t let me.   Is this justice?

It may not be justice but it is a fact of life.  The officer is not obligated to entertain your discussions or show you his radar reading.  He doesn’t have to prove to you that you were speeding, he has to prove it to the Court.  And, unfortunately, while it would sure be nice, there is no requirement that the officer be pleasant while issuing you a ticket.  Motorists who ask this questions are probably already  behind the eight ball.  It’s a good idea, even if you have to bite your tongue, to be cordial to the officer.  Even if he is confrontational, you should remain calm and polite. If you plan on contesting the ticket and saving points, the Prosecutor, who was not on the scene, may defer to the Officer’s judgment.  If you had some choice words for the officer or otherwise gave him a hard time, he will likely remember you and may not be as eager to help you as he otherwise might.

 

The officer who stopped me asked me if I knew why he was pulling me over.  I didn’t want to admit any wrongdoing but at the same time I wanted to be cooperative.  What should I have said?

This is a tough call.  If you answer “yes, because I was driving 99 miles a hour” then your admission could come back to haunt you at you in a trial.  Alternatively, if you say “Gee I have no idea, do I have a brake light out?” you run the risk of sounding less than  candid and ticking off the cop.  If the officer is considering letting you go, as is his prerogative,  he would likely prefer honesty on your part.  The answer lies somewhere in the middle.  Answer in terms of what you may have done.  In that manner you are not committed.  “I may have been speeding” is short, it offers  candor and it doesn’t outright prove your guilt.  Apologizing is effectively an admission of guilt so that should be avoided.   Instead, use an apologetic tone.

By the way, do not be embarrassed to hand the officer that FOP card you have or to advise that your Uncle John is the Chief of police in a neighboring town.  The officer will not be able to rip up your tickets if you bring these items to his attention after they’ve been written.

 



The officer stopped me for speeding but he was either A) coming from the opposite direction; B) measuring my speed from behind a tree, building, billboard, or other structure; C) in front of me; D) pacing me; or E) otherwise unable to get a good read on my speed.  Will this defense work?

A) no; B) no; C) no; D) no; and E) no.   I know that sounds negative.  If you don’t have an attorney and  often  even if you do, these defenses rarely get anywhere.   Police officers have been issuing speeding tickets for a long time, long before you and I ever received our drivers licenses.  All of these defenses have been litigated over and over.  Through the years of jurisprudence and case law these defenses have generally gotten no where and about the only defense to a speeding ticket that has a legitimate chances is if there is something  clearly wrong with the officers radar unit or if he doesn’t have the requisite training.  Unless you know how to read calibration tests and have some wherewithal when it comes to tuning forks, you will likely be shot down in your tracks.   Come to think of it, even with knowledge in these areas you are probably sunk.  There has even been case law concluding that the officer’s subjective opinion that a car was speeding can be enough to prove a defendant guilty of an offense.  Without belaboring the point, the gimmicks you may have come across online or the claims made by friends that the Prosecutor won’t be able to produce the proper “Discovery” (proofs) are 95% unfounded, at least as far as they would to apply to New Jersey.

 

I received a ticket for going 90+ mph in a 65 mph zone and the officer gave me an additional ticket for careless/reckless driving.  I don’t understand the need for the second ticket.  The judge can’t take my license just for speeding can he?

He can and he often will at these speeds.  A Municipal Court Judge does have the authority to suspend your driving privileges for a speeding summons and many do when your speed is excessive.  “Excessive” is in the eye of the beholder but 90 mph in a 65 zone is a red flag and 100 mph in a 65 is practically a done deal.  Depending on the circumstances and depending on your driving history, a Judge may suspend your driving privileges for 30, 60 or sometimes even 90 days or more.  This is often a real reality check for unsuspecting defendants, particularly the motorist who has a payable ticket of 90 mph in a 65 mph zone and pleads not guilty hoping to catch a break in Court.  Conceivably the motorist could have paid their ticket but by going to Court they get to meet the Judge, who may be less than accommodating, and then they have their licenses suspended.  By and large, tickets of 90+ are not payable and you have no choice but to appear.  There may be little you can do to avoid license suspension because many Judges simply draw the line at 90 mph or 100 mph and they do not budge from this position.  Often, speeding tickets going double the speed limit or more are also susceptible to license suspension.  Thus, 50+ in a 25 mph zone could be a real problem.  You really should have representation under all such circumstances because having an attorney may be the difference between saving or losing your license.  Whatever you do, when you go before the Judge and he inevitably asks you why you were driving so fast, do not attempt to offer any justification.  Claiming you were going downhill, or you were lost, or you were moving with the traffic will not be well received.  Unless you were bleeding to death or in a similar predicament, the best response is to say that you have no good excuse and it was a foolish course of action on your part.  It would also be a good idea to have signed up for a defensive driving course (offered by AAA) and have the confirmation of the upcoming course in your hand to show the Judge or Prosecutor.  The Court loves when a defendant has taken steps, on his/her own volition, to address what the Court will conclude is a problem he/she has.  It is somewhat analogous to the alcoholic defendant who, when they appear in Court, has begun taking AA courses to treat the underlying reason for the offense they are facing.

As for the extra ticket of careless driving (2 points) or reckless driving (5 points) these are often thrown in for good measure because, presumably, you were either careless or reckless when you drove at this excessive speed.  Usually, a Prosecutor will be willing to dismiss this additional ticket. (Important:  See the difference between Dismissing and Merging tickets later in this tutorial)

 

I’m charged with DWI, Driving While Suspended, Driving Without Insurance, Leaving the Scene of an Accident or Drug charges.  What do I do?

Please, please, pretty please hire an attorney. This tutorial is not designed to address these very serious charges or other similar offenses beyond common NJ moving violations.

 

I’ve heard about a “zero-point” ticket that costs  more money.  How does that work?

New Jersey has a statute, namely Unsafe Operation, NJSA 39:4-97.2, which carries zero points.  This statute was designed with plea bargaining in mind and has terrific catch-all language such that  nearly any moving violation (other than DWI) can be amended to it by a willing Prosecutor.  Until July of 2004, this was a wonderful way to resolve a moving violation in New Jersey.  Short of an outright dismissal, it was as good as it gets.  This is still largely true, but in July of 2004 the NJ legislature, looking for ways to raise revenue without raising taxes, noted that we attorneys were getting this result for our clients entirely too often.  They concluded that if they could collect money every time this statute comes to pass in a Municipal Court, the State could really cash in and address its deficit.  The result?  A hefty $250.00 one time surcharge assessed by the Court.  This charge is on top of your normal fines and costs. Whereas before July 2004 Unsafe Operation might cost a defendant $150.00 to $175.00, it now costs in the neighborhood of $400.00 for a first offense.

Given the sizeable fine amount, you might consider why you are in Court trying to get this result at all.  As it happens, you are permitted two “Unsafe Operations”, assuming it is offered,  before a third one would result in four points. While its nickname is the “zero-point” summons, it isn’t zero points on the third or more occasion.  A caveat to this is if your third occasion is beyond five years from the second, in which case you are given a clean slate and you can once again obtain zero points.

There are different schools of thought respecting whether to attempt to retrieve Unsafe Operation and under what circumstances.   There is general agreement among attorneys that a ticket of three or more points is worth the trip to Court for a reduction to zero points.  Some attorneys, however, think that you should attempt to retrieve Unsafe Operation no matter how few points  you are facing.  The theory is that it is simply a bad idea to accumulate any points if you can avoid it.  This writer’s belief is that it is not worth attempting to retrieve an Unsafe Operation if you are facing a simple two point ticket, unless, of course, you are already in point trouble.   The most common two point tickets are speeding  1-14 mph over the speed limit, careless driving and running a red light.  While circumstances vary, $400.00 is a fair sum of money to pay and there may or may not be a comparative increase in your auto insurance costs if you are assessed the points.  Many insurance companies will even forgive your first two point summons so there will be no adverse consequence.  It is advisable to contact your insurance agent and inquire as to whether two points will  affect your insurance costs. If you are a careful driver, haven’t had a ticket in years and are now facing a two point ticket, it might make sense to simply pay the fine.  If the two points bother you, you might consider taking a Defensive Driver course, offered by AAA and other agencies, where a successful completion of the Course can  result in a two point reduction once submitted to DMV. The course is affordable, often less than $100.00.  In effect, you have received the two point reduction that would have cost $400.00  in Court for significantly less.  It could well happen that a year from now, or even six weeks from now, you could get a 4 point ticket that you would better served to go to Court and attempt to retrieve one of the two Unsafe Operations you have available.

For these reasons, I generally do not recommend going to Court and attempting to amend two point tickets to Unsafe Operation unless you already have point trouble.  In the end, each person has to do their own cost/benefit analysis and consider the various factors and reach their own decision.

 

Are there other zero-point tickets other than Unsafe Operation so I don’t have to pay $400.00 or more?

Yes there are, but the Prosecutor does not readily hand them out.  Prior to 1999 and the advent of 39:4-97.2, Unsafe Operation, we attorneys would appear in Court and attempt to persuade the Prosecutor to amend moving violations to 39:4-67, Obstruction Traffic, or 39:4-56, Delaying Traffic.  These statutes are still on the books.  Since they are effectively not moving violations, no points are associated with them.  Prior to 1999 an attorney and his client would stand before the Judge and enter a factual basis that really had no basis in fact.  Even though he/she committed an entirely different offense (eg. speeding), the defendant claims that he either obstructed or delayed traffic.   If you think about it, it  is impossible to speed,  blow a red light or improperly pass and thereby obstruct or delay traffic.  With the introduction of Unsafe Operation, there was no longer the need to put this fiction before the Court.  Defense attorneys rejoiced until July, 2004 when the State stuck their hands in the till, extracting $250.00 from every Unsafe Operation.  Attempting now to revert back to Obstructing Traffic or Delaying Traffic is met with tremendous resistance due to  the very realistic fact that you neither obstructed traffic or delayed traffic and, moreover,  Unsafe Operation better addresses your bad driving.  Meanwhile,  Municipal Court Judges  have received directives from higher up not to accept pleas without proper factual bases and such attempts will rarely pass their judicial scrutiny.  So, only in rare instances will you be able to get zero points which isn’t Unsafe Operation, and hardly ever if you don’t have an attorney.

 

When do I speak to the Prosecutor?

Depending on the Court, one of two ways.  The first might be prior to the Judge taking the bench.  The other would be after the Judge’s opening remarks.   In half of the Courts the Prosecutor will be sitting at his desk up close to the Judge’s bench and he or she will entertain conferences with defendants.  You should take this opportunity if it is available.  In the other half of the Courts the Prosecutor has his own office in a nearby or adjoining room.  You will find that there may be a line at his office that you should get in ASAP.  Check the Court Room first and if he’s not there, look for his office.

 

I can’t wait to tell the Prosecutor what happened.  Once he hears what I have to tell him, he’ll certainly want to dismiss the case.

You might think that once you reach the Prosecutor this is your opportunity to tell your entire sad tale.  Certainly, the Prosecutor, if he is going to understand who you are and get to know you and find out how you ended up in front of him, he will want to know your whole life story.  He will want to know all the details as to how you got your ticket, where you were coming from, where you were going and how you were pulled over for really no good reason.  This may come as a big surprise but, in general, the Prosecutor does not want to hear your version of the facts nor does he care about your life story. He doesn’t have the time to engage you, and the facts of your case that he cares about are right there on your tickets.  Being a Prosecutor, he assumes that you are guilty of the offense as charged. He is not interested in hearing what he will inevitably conclude are your bad defenses.  He does not want to hear how you had to speed in order to get to work on time or that you had to speed in order to pass a slow moving vehicle or that you had to speed in order to get to a rest stop.  He does not want to hear that you were “going with the flow of traffic” and /or it was impossible for the officer to have singled you out.  He does not want to hear that your radar detector didn’t  go off or that the officer was rude to you.  He will be unmoved by your argument that there was “no way” your  four cylinder car could have reached the speed that the officer claimed.   He doesn’t care if it was a speed-trap or that you were going downhill.  He doesn’t want to see the schematics you’ve drawn of the scene or the pictures you have taken of the traffic light depicting that it was green at the time you passed through. If it appears that he is showing the slightest bit of interest in your claims he is merely being polite.

Why doesn’t the Prosecutor want to hear any of this?  The reason is that he has likely been at this job for a long time, has heard it all before and knows that your defense is probably not a defense.  The fact that you were traveling along with the traffic is not a legal defense to speeding.  The fact that your photograph depicts a green light doesn’t prove that it was green when you went through it.  It is not a defense that you drove on the shoulder in order to make your eventual turn.  Believe it or not, you’re not the first person who has approached the Prosecutor with the claim that you had a sick child in the back of your car who was about to throw up.   There is really nothing you can offer the Prosecutor that he hasn’t heard dozens, if not hundreds of times previously.  There will usually be nothing novel about an unrepresented defendant’s so-called “defense.”  Having gone down this road too often,  the Prosecutor has concluded that if he listens to you explain your life away, it does nothing to expedite the proceedings, which is his main objective.

 

Okay, if the Prosecutor won’t want to listen to me, what is my approach?

In general, Prosecutors have a rule of thumb when it comes to point reductions for unrepresented defendants.   If you are charged with a 5 point ticket, you will likely be offered 4 points, if you are charged with a 4 point ticket, you will be offered 2 points and if you are charged with a 2 point ticket you will be offered zero points and the hefty fines.  Prosecutors may deviate from this general rule and you can benefit as a result.

How do you persuade him to do it?  Your rule of thumb: be brief, be direct and be humble.  Be pleasant and do not be confrontational. What the Prosecutor wants to hear from you is simple: how is your driving record and were you cooperative with the officer.  Those are the two big concerns of any Prosecutor. As stated, he has assumed you’re guilty so now his concern, if he is going to help you, are these mitigating factors.  If you were, in fact, disruptive or rude to the officer, you could be done for, assuming the Prosecutor defers to the officer.  It is at this point where you say how foolish you were.  Acknowledge that the officer was correct to stop you, you were having a really bad day and if need be,  you would like to apologize to the officer.  Hopefully, you did not give the officer a hard time and don’t have to stoop to this.  It can be a bitter pill to swallow.

As for your driving record, if it is good then point that out immediately.  A prosecutor can justify to the Court or the officer offering someone with a good driving record a good plea agreement.  Don’t say its good if it isn’t because it is altogether possible that the Prosecutor has your driving history in his hand. While you maybe have gotten nowhere trying to obtain your driving history from DMV, your abstract is easily attainable in the Court and can be retrieved if necessary.

If your records isn’t so good and you have point issues, you may have to come at the Prosecutor from another angle.  If he doesn’t bring it up, don’t bring it to his attention.  If it surfaces, here you might point out the obvious fact that you really can’t afford to get more points on your license. (After all, a person in point trouble could use the help more than someone with a good driving record).  Perhaps, previously you had gotten tickets and simply paid them because you were guilty.  You didn’t see the point in bothering the Court and fighting them (though you likely see the point now).  Perhaps you had a bad streak and you’ve been doing a whole lot better lately.  You have to work with what you got.

Another factor the Prosecutor considers is the egregiousness of your offense.  The more egregious, the less willing he will be to help you. Egregiousness, like everything, is relative.  Were you one of those obnoxious drivers driving on the shoulder to avoid traffic?  Were you going 90+ mph and weaving in and out of cars?  Or were you committing an offense that everyone does, a rolling stop through a stop sign or caught between the yellow and the red light?  The latter scenarios are clearly less egregious than the former and will be greeted with a more receptive Prosecutor.  In all likelihood, the Prosecutor can relate.  He may even have driven in the same manner on his way to Court!

Notwithstanding the above, it is altogether possible that you can say and do all the right things and still not get the best outcome.  Each Prosecutor and each Court have its own personality.  The Prosecutor might not give you the time of day or the Judge might not permit certain plea agreements or the officer may be less than cooperative.  There are too many variables to guarantee any absolute result.

 

Why would the Prosecutor be willing to downgrade my charge if he could easily convict me?

Consider the following.  The fact is that there are scores of matters before the Court during your session.  The Prosecutor, if he wanted, could prosecute every defendant in the Courtroom and he could likely convict 95% of those he tries. The defendant, particularly the unrepresented defendant, is at a significant disadvantage.  Clearly though, if the Prosecutor were to prosecute the entire Courtroom, the Court session would go on for hours on end.  No one wants this to happen.  The Prosecutor, the Judge, the Court Staff all want to get home eventually, just like everyone else.  Moreover, most Prosecutors are not terrible guys and they recognize that defendants in a Municipal Court, by in large, are not criminals.  They were unlucky enough to have been pulled over and issued a summons or two and they have appeared in Court to do some damage control.  They are hopeful that there can be a reduction in the number of points they are facing and thereby minimize the consequences they may face from DMV and their insurance company.

While the Judge may tell you in his opening remarks that the Court does not hand out points, which it doesn’t (DMV does), he and the Prosecutor and everyone else knows that points are really the name of the game.  There is of course the occasional defendant who insists he did nothing wrong and when push comes to shove the Prosecutor will give him a trial.  But, given the time constraints, the calendar load and the recognition that you aren’t a criminal, the Prosecutor is often willing to make a plea agreement with a defendant  to save everyone the aggravation.





What if I have more than one moving violation?  What do I say to the Prosecutor then?

Sometimes you have the misfortune of having two or more movable violations with points coming at you in large quantities.  In these cases it is advisable to get what could be called a “package deal” where you can perhaps plea to one of the tickets and dismiss the other ticket or tickets.  You can even ask for the remaining ticket’s points to be reduced.  As an example, a four-point speeding ticket could be reduced to two points and the other two-point Careless Driving ticket could be dismissed.   Rest assured you will likely not convince a Prosecutor to go from 7 points to zero or from 9 to 2 but there are some  palatable combinations that can work.  Some consolation in this situation, if there is any, is that there are fewer fines to pay since a ticket or tickets are being dismissed.  If you are facing a two point ticket and a four point ticket, the Prosecutor may suggest you plead to the four point ticket and he’ll dismiss the 2 pointer.  Test the water and ask if you can plea to the 2 point ticket and dismiss the 4 pointer.  Use the same strategy  if you are facing two tickets with higher point quantities.   For those of you facing three or more moving violations, not good, you really should have hired an attorney.

NOTE:  This may be a good time to discuss the issue of “merger.”  Until fairly recently, merging one ticket into another was the practical equivalent of dismissing the merged ticket.  Not so anymore.  This is a murky issue which came to light with respect to how court personnel were entering disposed tickets into the Automated Traffic System (ATS).  Presently, if one ticket is merged into another, say for instance a careless driving ticket is merged into a speeding ticket, you don’t pay fines for the merged ticket but you may still get the DMV points.  This can be a very sticky situation.  A Prosecutor may say “Okay, we’ll merge the other tickets into your reckless driving ticket” and you feel great that all these other tickets went away.  Then months later you receive a surcharge notification from DMV saying you’ve been assessed all the points for the merged summonses.  So when dealing with the Prosecutor, you don’t want your associated tickets “merged”, you want them dismissed.

 

What about these other tickets I received for no seatbelt or not having a document in my possession?  What do I do about them?

While these tickets, such as 39:3-29, not having a certain document in your possession, or 39:3-76.2, seatbelt tickets, seem as though the officer was rubbing salt in your wounds, such tickets can often be used as leverage.  There is no point consequence to nonmoving violations in New Jersey so a combination of pleas where you plea to such tickets in exchange for a greater reduction in points is altogether realistic.  The Prosecutor may offer to dismiss the 39:3-29 or the seatbelt ticket but you can suggest that you would be willing to pay it in exchange for a greater reduction in points.  If the Prosecutor doesn’t bite, make sure you ask him to  dismiss such summonses as they translate into money out of your pocket for no real good reason.

 



I’ve worked out my deal with the Prosecutor, what’s next?

Thanks to your brief, direct and humble approach, you’ve worked out an agreement with the Prosecutor. Find a seat in the Courtroom close to the front or near the aisle and wait for your name to be called to appear before the Judge.  At this point it is fairly random when you will be called and whether your name begins with A or Z is of no consequence.  When you hear your name called, approach either the defense table (that’s the second table up front where the Prosecutor is not sitting) or the microphone that may be in the middle between the Prosecution and Defense tables.  The Judge will look at you and say something very judicious such as “Are you so-and-so (insert your name)?”  Either he or the Prosecutor will then go over the plea agreement you have reached.

Most Judges will then go into a brief colloquy with you.  He may ask if you entered this plea bargain voluntarily.  Did anyone force you to enter this plea arrangement.  Are you aware that by entering a guilty plea you are giving up your right to trial and your right to cross-examine the State’s witnesses?  Knowing that are you still willing to plea guilty?  Next is the “kicker.”  The Judge will ask if you are acknowledging that on such-and-such date in the town of such-and-such  you drove in the manner to which you are pleading guilty.  This can make some people feel a little uneasy.  You are being asked to admit you did something wrong and maybe you aren’t so convinced.  Nonetheless, you’re faced with this yes or no question.  For the Court to accept your plea it has to hear from your lips an admission of wrongdoing.  It is called “entering a factual basis.”   If you say either “No” or “No, but I figure I better say I’m guilty to get the benefit of a plea bargain” or anything that sounds remotely like you’re not sure you want to go through with this, the Judge slams on the brakes and says, “Oh well, I guess we’re going to have a trial, sit back down.”  If you didn’t do anything wrong and want to have a trial, by all means, say “No”, or alternatively, don’t bother discussing your matter with the Prosecutor in the first place.  However, if you want to get out of Court and to the payment window in the next three minutes you will acknowledge that “yes” you made an error in driving.  Once said, it is smooth sailing and the Judge assesses fines and costs and sends you on your way.  Note: Some Judges surprisingly skip the whole “factual basis” exercise and save you any trepidation.

 



I’m done.  Do I have to pay my fine now? What if I didn’t bring any money?

Go to the window where you first checked in many hours earlier and provide your name so you can make payment.  Whatever you do, do not go to Court without any funds. The Court expects, and the Judge may address it in his opening remarks, that you have come with money in your pockets prepared to pay the fines.  Most Courts do not want to become your creditor.  The Courts have drawers full of time payment arrangements and they don’t want to add you to the list.  If funds are an issue, bring at least $100.00 with you for payment as a good faith effort and explain that you are simply unable to make the payment at this time. Very few Courts will let you leave without paying anything.  Once again, being humble is a good idea.  The Court does not have to accept a time payment arrangement, they do it entirely as an accommodation  and they can even put you in jail, should they choose, if you can’t make full payment.   You might have to break out that cell phone you turned off earlier to call a friend or spouse for funds.   If you can, offer to pay the balance of what you owe quickly.  Extending payments too far is not met with receptiveness.  As far as payment goes, all Courts accept cash or checks and about half will accept credit cards.  Lastly, if you enter a payment arrangement, make sure you pay the Court as agreed and if you can’t, call them and advise as such.  They will hopefully extend you additional time.  If you ignore your obligation, the Court can and will issue a warrant for your arrest and/or suspend your driving privileges.

 

Are there some Courts that are harder to deal with than others?  Does it make a difference from county to county?

Yes.  While most Municipal Courts function very similarly, there are Courts/Prosecutors/Judges that are simply less amenable to plea bargaining than others.  Just like every person has a different personality, so too does each Court.  It would be an exhaustive exercise to rank or critique each individual Court and even if attempted, Judges and Prosecutors can come and go which would change the landscape altogether.    I will say, however,  that I have appeared in Municipal Courts in every County of New Jersey and for whatever reason, the northwest part of the State (Warren County) can be very unforgiving.  Maybe it’s the colder weather?

 

I really didn’t commit an offense.  Do I have to enter a plea agreement?

No.  If you didn’t commit any offense you obviously have the option to go to trial.  The Prosecutor will have to prove your guilt beyond a reasonable doubt.  It is possible, though not guaranteed, that justice will prevail.  Given the layperson’s unfamiliarity with the law, it is advisable to retain an attorney if you desire to take your matter to trial.

 

Would having an attorney have moved the process any faster?

Yes!  Court Rules require, and the Judge will tell you during his opening remarks, that matters with attorneys take precedence over matters without attorneys.  If there weren’t enough reasons not to like attorneys this is yet another that can be added to the list.  The lawyers get to cut in front of you to speak to the Prosecutor  and after that, the Judge moves the lawyers’ cases post haste.  Ever since preschool you’ve been told that its wrong to cut in line, but an attorney in Municipal Court is allowed to do it, does it quite brazenly, and astonishingly, you are told that those are in fact the rules!  If you are one of those people who end up waiting 4 or 5 hours for your case to be heard you will wonder why you didn’t hire an attorney who got in and out of Court in an hour. These Court rules exist  to accommodate the fact that lawyers have to often be in more than one Court at a time.  The rules seem to give little weight to the fact that the unrepresented defendant has places he or she might like to be as well.  Where you have to be is apparently not as important as where I have to be.  Sorry, those are the rules.

 

Why else hire an Attorney?

Since this tutorial tells you  everything you need to know about Municipal Court (that’s sarcasm) you may wonder why would you need an attorney.   An attorney is schooled, trained and experienced.  He is familiar with the rules of evidence, knows what defenses do and don’t  work and often has familiarity with the players involved in your Municipal Court hearing.  You yourself represent very little opposition to an experienced Prosecutor.  If you don’t like the deal he proposes or if he doesn’t propose a deal you have little leverage or ability to counter this fact.  Conversely, an attorney represents a genuine obstacle.  He can make appropriate motions and knows the appropriate means, if any, to combat the proofs presented.  Even if you defense might not succeed, the threat of a defense will often cause a Prosecutor to offer a better plea bargain.  It is simply a matter of fact that a represented defendant will generally receive a better plea offer than the unrepresented one.

Beyond the above, an attorney provides a certain comfort level you otherwise don’t have.  He knows where to go, who to speak to, where to sit, where to stand, what to say  and, as indicated earlier, he gets preference over the other matters without attorneys.

 

Hopefully you will find the above useful.  Again, I do not recommend going to Court alone.  If you have a NJ Speeding Ticket or other New Jersey Traffic Ticket please visit our website www.njpleabargain.com.  We will be happy to offer any assistance we can.

 

www.njpleabargain.com



 

 

DISCLAIMER:  THIS TUTORIAL IS NOT INTENDED TO BE A SUBSTITUTE FOR AN IN-DEPTH CONSULTATION WITH AN ATTORNEY.  IT DOES NOT PROVIDE CASE LAW OR EXPLAIN RULES OF EVIDENCE OR OTHERWISE PREPARE A DEFENDANT FOR TRIAL. THESE MATERIALS ARE DESIGNED TO ASSIST A DEFENDANT IN UNDERSTANDING THE NEW JERSEY MUNICIPAL  COURT PROCESS AND TO PROVIDE PRACTICAL SUGGESTIONS RESPECTING COURT APPEARANCE AND PLEA NEGOTIATION, NOTHING MORE. THERE IS NO GUARANTEE, WRITTEN OR IMPLIED THAT BY FOLLOWING THESE GUIDELINES  YOU WILL ACHIEVE YOUR DESIRED RESULT. THE TUTORIAL ADDRESSES TYPICAL NEW JERSEY MOVING VIOLATIONS CARRYING NJ DMV POINTS AND IS NOT DESIGNED TO ADDRESS MORE SERIOUS DRIVING OFFENSES SUCH AS DWI, DRIVING WHILE SUSPENDED, LEAVING THE SCENE OF AN ACCIDENT OR DRUG OFFENSES. THESE AND OTHER SUCH OFFENSES MAY HAVE MORE SERIOUS CONSEQUENCES AND  SHOULD BE DISCUSSED IN FULL WITH AN ATTORNEY.

 



 



Rent Back Fast
Categories : home repossession
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Sep
06

US Quotes Home Insurance

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What would you do if you were in a situation that your house was burned down to the ground because of a fire, or someone robbed your house and took that brand new 46 inch television that you had bought or even expensive jewelry or maybe even your child’s laptop?

What if you did not have enough money to replace them and even if you did would you still have enough money left over to spend on other things even though you had already spent your hard earned money on those specific items?

Having home insurance will help protect you if any of these incidents happen. Home insurance provides you with money to fix your home if you are the owner of the home. It also gives you money to replace damaged or stolen property such as clothes, expensive car collection and the items that I have listed above.

It also offers you liability protection in case someone gets hurt in your home or if you somehow injure someone or damage their property and it does not matter where it happens. They have the great benefit of giving you money to cover any additional living expenses that may occur if you are forced to move out of your home because of a fire or other type of disaster.

The majority of home insurance companies offer three different policies and it is up to you to pick the one that will satisfy you best. InsureMe.com is one such insurance company that has been around since 1993 and has been helping a great amount of consumers save money on their home insurance. Getting quotes on home insurance has never been easier. They have a free service, you simply enter your information once and you are instantly matched with the most competitive companies in the business. You will get back a low cost quote so you can compare and save what a great way to save money.



Real Estate Professionals
Categories : home insurance
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Sep
05

Home Insurance Company in South Carolina

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When shopping for home insurance quotes, there is a lot more to consider than how much your coverage will cost. It is important to buy the right type of policy from a solid home insurance company. Make sure you choose the proper level of protection that includes special provisions for valuables such as jewelry, computers and other valuables. Also, depending on where your home is located, you may need to include coverage for floods or earthquakes.

As soon as you start shopping for home insurance quotes for your home in South Carolina, it is important to research your policy and understand what you are getting with that policy. Homeowners insurance is designed to protect South Carolina home owners against certain hazards. Normally there is a deductible that will need to be met when you file a home insurance claim unless otherwise noted. Homeowner’s insurance policies are determined by the potential dangers to your home and it is important to understand what is covered in your home insurance policy.

How Much Home Insurance do you Need?

Many home insurance companies use a cost estimator to figure home insurance quotes. This will ensure that your home is insured for the right amount. Home insurance companies do not insure dirt, so if you purchase a home on a large lot, do not be discouraged when your home insurance policy is a lot less than what you paid for the home. You are buying coverage for the home and not the land.

Home Insurance Rates

Your home insurance deductible is the amount you pay for covered damage before your insurance begins coverage. You can choose a higher deductible in order to lower your home insurance rates and premiums as long as you are comfortable with the added risk. Ask your home insurance company to give you home insurance quotes for a range of deductibles to see how much you could save on your premiums.

Determine Your Insurability

Your home insurance company will need extensive information form you to provide you home insurance quotes and be able to give you the best home insurance rates for your policy. To determine insurability, your home insurance company could ask:

When was your home built?

How old is the plumbing and electrical?

What type of roof is on your home?

What is the square footage of your home?

How many claims have you filed over the last 5 years?

Where is the home located?

If your home is located in a rural area without a nearby fire department or no near fire hydrant then the home insurance company may refuse to insure it. If this happens to you, contact a specialty or surplus-line company, but remember that this home insurance quote will take longer to obtain.

How to Lower your Home Insurance Rates

The more secure your home is the lower your home insurance rates can be. It is recommended to install security alarms and deadbolt locks on all exterior doors and secure locks on all windows. Once you have a security alarm installed, be sure to sign-up for a home monitoring service that will constantly monitor your home and send the needed help in the event of an emergency. Having a monitoring service can dramatically lower your home insurance rates.

Another great way to lower your home insurance rates is inquire about insuring other policies with your home insurance company. For example, if you insure your vehicles, motorcycle, boat, health insurance, etc., you could qualify for a discount for having multiple policies with the same insurance company.

Home Insurance Coverage

Home insurance companies and lending institutions normally require mortgage customers to purchase homeowners insurance. Do not depend on the coverage levels required by your mortgage lender. Those mandated levels are designed to protect the home itself, but not always your possessions. That’s why it is important to check with your home insurance company when shopping for home insurance quotes and rates to ensure that you have adequate coverage.

How to Save Money

There are easy ways to save money on your home insurance rates.

Shop around - searching of for home insurance quotes online is a great way to compare policies. Some websites enable you to fill out one form and you can receive multiple homeowners insurance quotes from submitting one form.

Raise your deductibles - the higher your deductible normally means the lower your monthly premiums will be.

Keep your credit report clean - many home owner’s insurance companies will base your insurance quote on your credit report rating. Higher credit scores could net lower home owner premiums.

Stay with the same insurance company - some home insurance companies will offer their customers special discounts for being a long-term policy holder.

Use one company for all of your insurance needs - you can receive deep discounts for using the same insurance company for multiple insurance policies. For example, if you use the same company for home and auto insurance you could qualify for a discount.

Don’t smoke - non-smokers could obtain lower home insurance rates because a percentage of house fires are caused from cigarettes.

Install a home security system - having a home security system could qualify you for a discount on your home owner’s insurance policy. Homes with security systems are less likely to become burglarized.

Ask for discounts - be sure to ask your insurance agent if there are any discounts you could qualify for.

Review your policy annually - your home insurance needs could change over time and it is important to review your policy regularly. Sometimes you may not need as much coverage and that could cause your premiums to go down.

Shop Around

Get home insurance quotes from several home insurance companies when shopping for home owners insurance. Remember, the lowest home insurance rate or quote does not always equal the best deal. Be sure to compare the coverage each home owners insurance policy offers, also, be sure to investigate that the home insurance company you are interested in has a good reputation in the industry.

Every home insurance quote could be different from each home insurance company, even from the same company. That’s why it is important for you to get several home insurance quotes before you make a decision. It is a good idea to go with a home insurance company that allows you to have the same home insurance rate forever, so you do not have to worry about your home insurance rates increasing.

An easy way to get several home insurance quotes fast is to jump online and browse different home insurance company websites. These home insurance companies have user friendly websites and include free quote systems that normally take about five to ten minutes to complete and often times you can compare several companies’ home insurance quotes.

In addition to obtaining several home insurance quotes quickly, you can educate yourself regarding the many different types of homeowners insurance policies out there and how much the home insurance rates should cost.



Rent Back
Categories : home insurance
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Aug
29

Home Insurance Uk: Home Security Ensured

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One of the desires of every human is to have a home for himself. A place where he can live peacefully with his family. Away from the hustle and bustle of life. A desire that always existed but which was difficult for people to follow. After all things were pretty expensive and there weren’t many avenues open for help. Not any more though, for there are several financial institutions available now which are ever willing to lend money to construct homes and that too at the friendliest conditions. No wonder people these days own a house at a much earlier stage in their life than they used to do it couple of decades earlier. However, one must understand that merely owning a house mean nothing if one does not take adequate step to protect it. And that’s exactly what home insurance is, a viable option for home security. Such a service like home insurance is extremely popular around the world. Particularly in UK it sells like hot cake. No wonder then that home insurance UK is one of the most sought after services in UK.

The reason for it is not difficult to understand. Home insurance UK, after all, protects your home from such potent threats like fire, earthquake, storm, lightning, flood, theft, burglary, riots, vandalism, fire, explosion, subsidence, burst pipes, civil upheaval, water leakage, oil leakage, impact from vehicles, falling trees, air crafts etc. If, unfortunately, one’s house faces some damage than it can leave a deep hole in his pocket for it is mighty expensive to get a house repaired. It is here that home insurance UK come for one’s rescue and arranges for the money one might need for the repair of one’s dream possession.

However, like any other insurance, home insurance UK also needed to be approached sensibly to ensure that it provides maximum help. Firstly one must ensure that the policy comes to life as soon as it is signed, secondly one must also find out the calamities one’s house is protected from, as also the fact that whether the house is priced fairly. One should also ensure that there is no default on monthly premiums from his side and lastly one must also ensure that no wrong information is given to the insurance company as it can lead to the cancellation of the policy.

If these precautions are taken then one can be rest assured that home insurance UK would indeed go a long way in providing utmost security to one’s house.



Rent Back
Categories : home insurance
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Aug
21

Limited Liability Companies Defined

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ght (c) 2009 Jeffrey Matsen

The following are a number of questions and concepts specific to Limited Liability companies along with their respective answers and definitions. The information provided will provide the basic knowledge necessary for someone interested in forming an LLC. An additional bonus are the examples which give real world applications and tie everything together.

1. What is A Limited Liability Company?

A limited liability company or “LLC” is a business entity that is authorized by specific legislation in most states of the United States and in many foreign countries. In almost every instance, the state or country in question issues a charter to the LLC upon its formation. The most significant characteristic possessed by LLCs is part of its name, that is, it provides limited liability. In this regard, it is very similar to a corporation.

2. How Do You Form An LLC?

An LLC is formed by filing the Articles of Organization with the relevant secretary of state in the U.S. or other licensing agency in a foreign country. The Articles of Organization are normally very brief and simple and provide only basic information with respect to the name of the company, the agent for service of process, the company’s address and its manager or members.

3. How Is An LLC Structured?

An LLC is structured much like a partnership except that it has members instead of partners. The LLC can be member managed in a manner similar to a general partnership or it can be manager managed like a general partner does in a limited partnership. If the LLC is member managed, normally, all of the members have an equal vote and decide between themselves on not only the major business and financial policies, but, also the every day operations. If the LLC is manager managed, the members only decide on major financial and business decisions and the manager handles all of the day-to-day business operations.

4. How Is The Structure Of The LLC Determined?

The founding members or promoters of the LLC determine the structure of the LLC by means of an Operating Agreement which is similar to a Partnership Agreement. Normally, when the Articles of Organization are filed, the state requires that the organizers determine in the Articles whether or not the LLC is member managed or manager managed. The members have an experienced attorney draft the Operating Agreement which sets forth the different rights and responsibilities of the members and covers matters such as capital contributions, division of profits, management, member meetings, transfers of member interests, dissolution and indemnification.

5. What Are The On-Going State Fees For An LLC?

California imposes an $800 Annual Franchise Tax on LLCs. This amount is due on the 15th day of the fourth month after the beginning of the fiscal year. For the first year, the due date is the 15th day of the fourth month from the date the LLC was organized. In addition, California, in its arrogance, also imposes a gross receipts tax on LLCs. For LLCs whose annual revenue is between $250,000 and $499,999, the additional fee is $900. The fee increases to $2,500 for annual revenues between $500,000 and $999,999 to $6,000 for annual revenues between $1 million and $499,999, and to $11,790 for annual revenues of $5 million or more.

6. Tax And Accounting Treatment?

The LLC can elect to be taxed as either a partnership or a corporation. Almost always it is better to be taxed as a partnership. What this means is that the LLC files an Information Return and issues K-1s to its members showing the member’s share of the income or loss that the LLC incurs. The members then report this amount on their own individual Returns. The LLC, if it is taxed like a partnership, does not pay any income tax. If the LLC is a single member LLC, the owner may treat it as a disregarded entity for tax purposes and report the tax and related accounting on the individual tax return of the member. This eliminates the necessity of a tax return for the LLC.

7. Charging Order Protection

A charging order is a court order available to a judgment creditor directed to a limited liability company or limited partnership of which the judgment debtor is a member or partner which grants the judgment creditor the right to whatever distributions would otherwise be due to the debtor member/partner whose interest is being charged. The purpose of the charging order is to prevent the judgment creditor of an individual partner/member from access to the partnership/LLC assets while at the same time, giving the creditor some relief relative to distributions from the entity to the partner/member. The charging order denies the creditor direct access to the LLC assets and limits the creditor exclusively to collection of the income or distributions which the LLC assets might engender, but which can be withheld from distribution at the discretion of the LLC manager. What this means is that a creditor who has obtained a charging order only has the right to receive distributions from the entity when and if such distributions are ever made even though the entity itself may have substantial income. The charging order remedy is often times the exclusive remedy available to the creditor and provides substantial asset protection for the LLC owner.

8. Putting Real Estate in the LLC.

If the primary purpose of the LLC is to hold title to a real estate investment, the members will need to deed or convey the real property involved to the LLC by means of a formal deed that needs to be recorded. All of the rents with respect to the real property should be deposited in the LLC bank account and all expenses with respect to the property should be paid for out of the LLC bank account. All contracts with respect to the real property and service arrangements should be exclusively in the name of the LLC.

9. Examples.

The following are some examples of when and why an LLC might be wisely selected:

a. Ms. Simon is a widow, who in addition to her residence, owns a four-plex . She is concerned about potential liability above and beyond what insurance would cover and has elected to place the four-plex into an LLC of which she is the single member. She treats it as a disregarded entity for tax purposes and all of the tax and accounting are reported on her individual Return.

b. Dave, his brother Bill and their friend, Richard, each own a one-third interest in a small shopping center. They have created an LLC in which to hold title to the shopping center so as to protect their respective personal assets from any claims with respect to the shopping center. All three of them participate equally in the LLC which is member managed by the three of them and treat it as a partnership for tax purposes. The LLC files a partnership Return and Dave, Bill and Richard each receive a K-1, the information of which they report on their own individual Tax Returns.

c. Ron owns a 25% interest in a 76 unit apartment building which he manages. The other 75% is owned by various members of Ron’s family and by some friends. Ron has placed the apartment complex into an LLC which is a manager managed LLC since Ron is the one who does all of the management duties and responsibilities. The LLC reports its taxes as a partnership and Ron and all the other members receive K-1s for their shares of profits and Ron also receives a salary or guaranteed payment as manager which is paid to him as an expense before there is a division of profits.

d. The LLC can also be used to operate a retail or other business in a situation where limited liability is desirable, but the flexibility of the LLC is required.



Quick House Sale
Categories : home repossession
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Contrary to what you might be made to believe, it’s quite easy to get an affordable home insurance rate. All you need to achieve this feat are little bits of information (that you’d have to implement, though). Let us now look at several sure-fire ways to get more for a lot less…

1. Getting dead-bolt locks on all exterior door will reduce your home insurance premium. They will make it difficult for burglars to break into your home. And as you know, the less the risk of burglary in a house, the more affordable premiums it will get.

2. Do not purchase a home without obtaining a CLUE (comprehensive Loss Underwriting Exchange) report if you are serious about saving on home insurance. You will save because you’ll know things that will make you spend more for a home insurance coverage with the property in question.

Residing in a town that has only a volunteer fire service, for instance, will definitely make you pay more expensive rates. Having a house close to a police station or fire hydrant will also reduce your home insurance premiums.

These kinds of relevant information should be studied before you pay for a home. That home you thought was a great deal might end up costing you much more in home insurance than the little you thought you saved.

3. If you get a sprinkler you will get a discount. They make your home better protected against fire damage and so makes your home a better risk. Being a better risk means you attract more affordable rates. It’s slightly costly so you’ll do yourself a lot good to ask your agent what you will save if you have this installed. You can pay back over several years thus lowering the difficulty in paying the amount involved in such a project.

4. Do you understand all your home insurance policy excludes? They are things that the policy doesn’t give you coverage for.

Therefore, before you settle for a low-priced rate make sure it does not exclude something that might compromise you down the line. However inexpensive a policy is, it loses its meaning if it doesn’t provide sufficient coverage. Don’t wait until you file a claim to find out that you actually did NOT have the coverage you needed.

5. You might save some hundreds of dollars by just getting and comparing quotes from at least five quotes sites. And, it will take only about 25 minutes on the whole.

Here are great pages for home insurance quotes…

Affordable Home Insurance Quotes With Ease

Cheap Home Insurance Quotes With Ease



Repossession
Categories : home insurance
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Gerry Tyack is no stranger to a challenge. He served with the Royal Air Force in the Second World War, having lied about his age to join up as a 16-year-old in 1939. After working as a fitter on Wellington bombers, he joined a mobile radar unit driving deep into Germany to pinpoint bomber targets.

More recently, Gerry combined a career as a garage owner with a weekend passion for motor racing. In the Sixties and Seventies he set international hill-climb and sprint records in a series of Porsche, BMW and Brabham cars.

But Gerry’s latest challenge has been coping with the aftermath of last summer’s flooding. His Cotswold stone home in the town of Moreton-in-Marsh, Gloucestershire, was badly affected as 18 inches of water swept through the ground floor.

The water also flooded into the Wellington Aviation Museum that Gerry, 84, founded in former school rooms adjoining his home in 1990 as a tribute to the RAF personnel who trained at the wartime air base in Moreton-in-Marsh.

Unique books, documents and pictures were ruined. Gerry says: ‘The water turned these records into an unidentifiable pulp.’

Fortunately, the building itself was almost unscathed. Gerry says: ‘I had every reason to close the museum for good after the floods, but something kept me going.’ After some disinfecting and cleaning, the museum was open again within a fortnight.

But repairing Gerry’s house took longer. Plaster had to be stripped off the walls, warped floors needed to be ripped up and the kitchen required a complete rebuild.

Gerry parked a caravan in his garden to act as a sitting room and kitchen while the repairs were under way. His insurer, NFU Mutual, paid £60,000 to restore the property and to replace damaged contents. The final recarpeting and redecoration was not completed until May.

Gerry’s story is one among many of the lives turned upside down by the flooding. More than 130,000 homes and 30,000 businesses were flooded and 20,000 vehicles were damaged.

Insurers will end up paying more than £3bn to settle claims. Uninsured losses total up to £2bn. Even now, thousands of families are living in temporary housing or caravans. The scale of the floods represented a huge challenge for insurers and loss adjusters. Some managed to handle claims efficiently while others struggled.

Government adviser Sir Michael Pitt was commissioned last year to report on the lessons from the flooding. His final findings are expected at the end of the month but his interim report says: ‘There were highly variable experiences of insurers’ responsiveness.

‘Most homeowners received an immediate response, though some tried for several days to reach their insurer before being able to make contact. The timing of visits from loss adjusters was also crucial… many received visits very quickly while others were forced to wait due to a lack of available loss adjusters.’

Pitt says home insurance companies must adopt common standards in assessing flood claims so householders can get on with clearing out wet and rotting items without waiting for a visit from an adjuster.

Simon Black, head of flood mapping at Norwich Union, says: ‘A flood claim isn’t like any other claim that we deal with. Homeowners have to live with the aftermath for months on end.

‘We have learnt lessons on how we communicate with customers. When someone is going to be out of their home for months, sitting down to discuss rebuilding one week after the shock of a flood is difficult. It may be better to let someone settle in alternative accommodation, then a month later start planning for the future.’

Many of those who were flooded now face increased excesses - the amount they have to pay towards the cost of any future flood claims. Black says: ‘We have had to look at £5,000 excesses where someone has a big house and lots of assets to protect.’

NU has increased household premiums by about 10% since last summer, though it says this is not only because of floods. For flood victims unhappy with the deal being offered by their insurer or the claims service they experienced last year, getting another quote is not easy.

The comparison website moneysupermarket.com recently analysed quotes for high-risk postcodes across the UK. It found that in cases where a property had been flooded within the past year, on average only three out of a total of 60 insurers were willing to quote.

The huge losses have also raised questions over whether insurers can continue to provide universal cover against floods. Under an agreement between insurers and the Government, insurance companies promise to offer flood cover to all homes where the risk of flooding is less than once every 75 years and to those in higher-risk areas where flood defences are planned.

In return, insurers asked the Government to boost flood defence spending and to change planning laws to stop building on flood plains. Insurers are reviewing the agreement and there is a chance that some homes may be left without cover.

Black says: ‘Newly built properties in high-risk areas will become increasingly hard to insure unless they are built with flood resilience measures in mind.’



Repossession
Categories : home insurance
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Taking out a mortgage or a debt consolidation loan, should not be taken lightly. If you rent a home, you are a tenant, if you do not pay your rent., the landlord can evict you. If you own your own home, the company who holds the mortgage or loan can also evict you if you fail to make the payments. The big difference is of course that if you rent, and you are evicted you just have to find another place to rent.

If you are a homeowner, the consequences can be far more severe. You could loose your deposit that you originally put down on the house. As well as the lot of the equity that you have built up and a large part of any improvements like a new kitchen or extension that you have paid for.

Once you start down the repossession road with a mortgage holder that has a lien on your home. It can be incredibly difficult and expensive to avoid an impending repossession order.

The best way to deal with this kind of circumstance is to not get yourself into that position in the first place. You need to stick to your agreement with the when the as best as you possibly can.

When taking out a mortgage or a debt consolidation loan you must seriously consider if you can afford the monthly repayments. You must not only consider if you can afford the payments now, but also, if the payments go up because of interest rate rises, will you still be able to pay what is owed each month?

A good mortgage broker will be able to calculate how much you will have to pay if the mortgage interest rate goes up by a certain amount. It is very important that you don’t assume the mortgage payment will always be the same, in these difficult financial times. It is quite possible for your mortgage payments to increase considerably.

For example, if your income were 1000 per month, and you took out a mortgage that cost 500 per month. You will probably struggle to make those payments. When you took out your mortgage you wisely decided that 300 per month was what you could afford. Nevertheless, what happens if interest rates increase over two years, and raise your mortgage payments to 400 a month. Can you still make that payment comfortably? Or will it prove too much to handle? This is what can happen with mortgage payments, that is why you need your broker to calculate what the mortgage could possibly go up too, that way you can decide still be able for your monthly payments.

If you get into difficulties do not bury in your head in the sand, you must take action as soon as you feel you are getting into difficulty. There are some options available that could get you out of difficulty. You may consider changing your home loan to a different type of mortgage that may be more suitable for your changed circumstances.

An interest only mortgage can be a great to help you out for a long period of time. Perhaps several years, while your circumstances change. Interest only mortgages are considerably less expensive per month than regular mortgages.

Of course, you are not paying off any of the money that you owe, on the other hand, you are holding on to your home and everything that you put into it financially and otherwise.

A few years from now the rates may go down and you may have a promotion at work that allows you to again convert back to a regular type of mortgage.

Another option is to take out a pension mortgage; this is similar to an interest only mortgage. Except when the mortgage reaches its end, the amount that is still owed can be paid off using part of your pension contributions. You should keep in mind that your employer probably contributes a significant amount to your pension, so will be in effect, helping to pay off your mortgage.

A very similar interest-free mortgage system is the endowment mortgage. Like the pension mortgage, you pay only interest on your mortgage, then at the end of the mortgage term. Your endowment, life insurance will pay off the money that is still owed the mortgage company.

These can be good options should you find yourself in financial difficulties and are having problems paying any kind of monthly mortgage. However, as stated earlier you must not wait until the bailiffs are knocking at the door. As soon as you think, you are having problems contact a qualified online broker, who can help you with quality advice as to the best way to deal with your mortgage problems.



Repossession
Categories : mortgage arrears
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Our home insurance policies can be pretty expensive but we need it and shouldn’t do without it since this would be a great mistake. How then can we go about saving on our home insurance policies?

Covering your home involves covering the building itself and covering the contents of the building. These are two separate policies that are equally important.

The policy covering the building could also cover out buildings on your land while the policy covering your valuables may not cover your possessions termed “mobile” like jewelries you have on you and other electronics like laptops. These may require a separate policy.

In insuring your home, it is important to keep your ears to the ground and keep your eyes fully open if you really intend to save.

Many times, banks that finance some of our project or purchases do not just demand insurance, they also demand that you use a particular insurer. This could be good for you, but could also mean a deal between the two companies. What this simply means is that for you to really save, you have to have started the process from when you were searching for financing. A mortgage provider that gives you the choice of choosing your insurer may be a better choice since you can then take your time to get an insurer whose rates you are comfortable with.

Make sure you do not over value your possessions as this would greatly affect your rates and to no benefit of yours because if you were to make a claim, you can’t claim what you don’t have or a value higher than what the market value is. Being adequately covered is more than enough.

Whatever options come your way, do not throw it away but take to know if it is to your advantage. A good example is the issue of your financier demanding you do business with a particular insurer. This may not be a bad thing but you should not take their word for it. Do confirm that it is in your own best interest and if you do confirm this, exploit it to the fullest. How can you do this? Try to see how much discount you can get if you decide to get multiple policies from them. All you are looking for is affordable home insurance coverage. So wherever you find it, go for it.

Finally, to be sure you are getting the best deal, you need to compare with other insurers to know exactly how yo would fare if you tried others. You can do this by getting free quotes from these insurers and comparing to find the best. A very quick of doing this is by visiting quotes comparison sites. They would offer you access to quotes from several insurers at once. To get the best result, visit a minimum of 4 quotes comparison sites.



Sell and Rent Back
Categories : home insurance
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Aug
11

Mobile Home Insurance Coverage

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Mobile home insurance is required which has been fairly inexspensive -about $250.00 per year is what I was paying or $30.00 per month. It is similar to homeowner’s insurance, but it’s written specifically to meet the needs of owners of mobile homes.

Coverage for these kinds of claims and lawsuits is called liability coverage. Claims might include medical expenses, lost wages, pain and suffering, and even property damage. Coverage would typically include financial protection for the house, personal items, injuries incurred on other people for whom you are liable and additional living expenses. It also insures you while you are one the move. Coverages and benefits can vary dramatically from policy to policy and from company to company.

Homeowner’s policies are designed to provide financial protection in the event of damage to your home, such as fire, lightning or windstorm. Your policy will also protect your personal property, such as furniture that is damaged as a result of a fire, or the theft of electronic equipment.

Prices can be different from one company to another. The Insurance Information Institute recommends getting at least three price quotes on home owner insurance. Price too low and prospects doubt you’re any good and you lose credibility. But if you’re new to the market, how do you know where to position yourself for maximum results and success?

Shopping for mobile home insurance is slightly different than shopping for insurance on a stationary home. The best home insurance is the one that provides you with the most benefits policy-wise. Shopping for mobile home insurance is slightly different than shopping for insurance on a stationary home. Although the coverages are similar, there are a few differences.

Mobile home insurance is similar to homeowner’s insurance, but it’s written specifically to meet the needs of owners of mobile homes. Your policy covers your mobile home and its contents and offers personal liability protection. It is also available from the company and this is available with a range of benefits. For example, free continental travel cover is provided as part of the policy which means that a family can have peace of mind when travelling on the continent.

Mobile home insurance is often provided on an actual cash value basis, so significant depreciation can be a major concern for owners of mobile homes. The policy’s coverage extends to the mobile home’s equipment and accessories that were originally built into the structure.

Mobile home insurance is essential yet few mobile home owners actually take it out. If you think about it, you are leaving a home that you actually spend very little time in completely unguarded and vulnerable.



Quick House Sale
Categories : home insurance
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