What You Need to Know Before You Hire A Personal Injury Lawyer
In my years of practice I have seen otherwise bright, intelligent and articulate people bungle an insurance claim, legally shoot themselves in the foot, or fail to take action on behalf of a child in a timely fashion and do nothing but increase the profits of a corporate wrongdoer or an insurance company. What follows is general advice that, if followed, will help anyone avoid that mistake.
Understanding Insurance Company Claims Procedures
Insurance companies' claims adjusters are professional negotiators, with extensive experience in intimidation, "hassling," and using every psychological technique to maneuver a claimant into settling for the lowest possible dollar, including discouraging people from using the professional services of a lawyer.
Never violate this basic rule: never give an oral statement to the other side's insurance company without an attorney. If you do, you will regret it. Claims adjusters are hired because they "sound good" over the telephone and they are extremely well trained by company lawyers to ask questions in a manner designed to hurt you and help them. You cannot beat an expert at their game. Do not try it.
Claims adjusters know that if they can keep a claimant negotiating with the adjuster then there is a high probability of a successful settlement in favor of the insurance company. Anyone who negotiates directly with a carrier, by definition, cannot file a lawsuit and is therefore not to be feared. While this sounds like an advertisement for lawyers, the truth is that studies have shown that experienced lawyers can negotiated settlements that are multiples of what individual claimants can negotiate for themselves.
To successfully negotiate a claim with an insurance company the basic rules of negotiation MUST be followed.
First, set a realistic goal before you begin negotiating. This is critical. Do not begin a negotiation until you are absolutely sure that you know the full extent of your injuries and damages. If the damage has not run its course or if there is a chance of future damage yet to unfold, do not begin a negotiation. It is too early.
Second, just because an insurance adjuster calls and talks does not mean you have to talk. Do not get into a discussion, no matter how tempted you may be to do so. Use the occasion to listen and when its over say: "I will think about it and get back to you." Do not say: "let me think about it." You do not need permission to do anything in a negotiation when you have been damaged.
Three, never bid against yourself or always negotiate in turn. If you make a "demand' [an offer to settle by a claimant], then wait until the carrier makes an "offer." In other words don't make a demand for $15,000 at the beginning of a conversation and then at the end tell the adjuster you will take $10,000 today. All that you will have done is to PROVE to the adjuster that you are a greenhorn that can be had for much lower a price. If your demand is $15,000, wait for the carrier to make an offer.
Fourth, take your time. When you receive an offer, think about it. Do not respond immediately.
Fifth, do not listen to anything but the number. Insurance company adjusters take courses written by psychologists to use words and approaches that will give them the upper hand. They may sound nice on the phone, but these folks are professionals who eat claimants for breakfast. No matter what they say, ignore the words. The only thing that counts is the number. Once you hear the number end the conversation: "I will think about it." Then go think about it before calling back with your responsive demand.
The Time Bomb: Deadlines on Filing Suit
Every state has statutes of limitations and procedural requirements that place deadlines on when you can file a lawsuit. Statutes of limitations differ from state to state and depend also upon the nature of the claim. I do not know the statutes of limitation in all states. I can share with you some of the Georgia rules. What I have to say here is not legal advice that can only come from a lawyer retained by you to study all the facts and to advise how the law applies to your individual circumstances. What follows is a general explanation of several serious pitfalls you must know.
In Georgia a claim for personal injury or wrongful death must be filed within two years of injury or death. In a few limited cases the law allows an individual to file a lawsuit later than one year if they did not receive an injury until years after a wrongful act or did not discover they were injured until years later.
There is one major exception to this rule. If an injury or death is caused by a Georgia county governmental entity the suit must be brought within twelve (12) months. When an injury or death is caused by a municipal corporation, a written claim must be filed with the city or county clerk within six months of the injury or death). Statutes of limitations differ depending upon the nature of the lawsuit or claim.
The statutes of limitations which apply to your various causes of action may differ significantly in timing, and in some cases it can be difficult to readily calculate when the statute begins to run.
Whatever the time period which applies to each defendant, however, the effect of the Statute of Limitations is the same in each case: in the event no Administrative Claim or Complaint has been filed on your behalf within the requisite time period, your action will be completely barred. In other words, even though your case may be completely meritorious, if you file one day after the time limit allowed by the Legislature, you lose, forever.
Deciding when the statutory time period begins to run can be more complicated than you could imagine. Georgia provides for delayed discovery years after a wrongful act when the injury finally presents itself. Although Georgia does require a plaintiff to take action as soon as he/she is on notice that they may have a cause of action and have suffered some injury, even though informed professionals erroneously conclude otherwise.
Remember the abbreviation for statute of limitation is SOL.
Preserving the Evidence
Take two rolls of film of the accident location IMMEDIATELY after a crash from every conceivable angle and location. Lay a yardstick next to skid marks so someone can readily compute actual distances based on the photograph. Look for IMPENDING SKIDS. Tires just don¹t begin skidding. As a braked tire begins to skid it first leaves faint marks on the roadway known as impending skids. Measure and photograph these marks. They disappear within 48 hours so move quickly to record them. An impending skid and a skid mark when taken together gives a very accurate report of the actual speed of a car before a brake application.
Take distant and close up photographs of scenes and objects from every point on the compass. When in doubt, take another set.
You cannot take too many photographs of the aftermath of a collision, explosion, fire or other loss.
Remember that all evidence must be secured immediately. Never be afraid to buy wreckage and if anyone should have second thoughts about buying a wrecked Bronco, a Jeep that rolled or a vehicle that has a gas tank that failed, keep in mind that it is comparatively inexpensive to buy a wrecked car, for example, compared to the value of a successful product liability case and if worse comes to worse it can be sold, but once it is lost it is gone forever.
Once you gain ownership of the defective product, lock it up in a facility that you control. Never assume that no one will want the wreckage of a destroyed automobile. In two cases against BMW alleging the gas tanks in models 1600 and 2002 were defective, the hulks mysteriously disappeared. In another case in which a four teenagers burned to death in a 1978 Dodge Ramcharger equipped with a plastic tank, an investigating service believed to have been retained by Chrysler Corporation appeared at a wrecking yard before the funerals and offered to buy the burned hulk. In the case of the BMW, investigators for the car manufacturer photographed the evidence six months before the injured plaintiff retained his own attorney. Major manufacturers carefully read newspapers and whenever possible secure evidence to deny plaintiffs the ability to pursue claims.
If the evidence cannot be bought, at a minimum put everyone on notice by certified mail, including owners, tow operators, wrecking yards, police impounds, and the like, that they must take every step to preserve important evidence and the failure to do so will subject them to being sued for allowing evidence to be destroyed.
When the product is in the possession of a third party or one of the anticipated defendants, hire any lawyer to immediately file an independent action for a temporary restraining order and a preliminary injunction to avoid alterations or destructive testing. The temporary restraining order should be carefully drafted so that anyone receiving notice of the order and in control of the article will be required to deliver it to the possession of a neutral person and to initiate preventive measures against damage in transit.
Always preserve written materials that came with a product: packaging, inserts, manuals, warranties and similar written materials.
Lastly, let no one destroy, throw away, or leave behind anything that is part and parcel of the any product.
Photograph the location where evidence is found and then remove it for safe storage.
Make a Record
The corollary to preserving evidence is to also document damages. Report physical injuries to doctors, emergency rooms and obtain appropriate medical treatment. Appropriate treatment is that care recommended by a doctor. Do not substitute your judgment for that of an experienced medical professional. If you do, it will be used against you whether you over-treat or under-treat.
Do not hesitate to "get checked out" when you feel "O.K., but shaken up." Many times the onset of physical complaints begins 12 to 24 hours later. Maybe you did walk away from being rear-ended by a truck and only feel "shaken up." But tomorrow morning when you get out of bed it may be different. See a doctor following the collision will insure a preliminary diagnosis and perhaps minimize the discomfort and future treatment you may need later.
When reporting to doctors, take extra care to identify specific complaints. If something does not feel "right" it should be documented in your medical file and provided to your physician in order to allow the doctor to render an informed medical opinion. Even though you feel it is "no big thing" now, several weeks from now when the minor crick in your back blows out and becomes a fully ruptured disk requiring major surgery it will have been far better to have the initial medical entry in order to allow an orthopedic surgeon to opine that the onset of the fracture to the outer wall of the disk was the initial insult, not bending over at toilet three weeks later, as the defense will argue to the jury.
Lastly, keep receipts of everything and maintain a calendar of post-accident events that will help you recall later the days you could not work, were unable to enjoy your leisure time or spent Saturday at the physical therapist.
No matter whether it is a personal injury claim or any action in which you are the plaintiff, keep a fully detailed record of the harm you suffered.
Hiring the "Right Lawyer"
The United States is both the most successful economy and the most complicated legal society in the history of the world. Open any newspaper on any day and more than half of all the news concerns the law. Full time legislatures, plus Congress and numerous federal agencies, produce volumes of rules. In short, there are laws, rules, and legal regulations that impact everyone¹s life on a daily basis.
Unfortunately the legal and political system of the United States is heavily influenced by special interest campaign
contributors, those with real power over politicians, and the resulting special interest legislation is routinely added to unrelated legislative proposals as "riders."
More and more law is being generated which is only fully understood by a few lawyers, namely who are specialists in specific areas.
For example, there is no one in the United States who has read all of the U. S. tax code and all I.R. S. regulations.
Law, like medicine, has become a specialty of information providers. Today, the family practitioner provides referrals to specialists in cardiology, rheumatology, urology and the like. But there is no equivalent service widely used when someone needs to find a lawyer. When you are in need of legal assistance, you are on your own. Finding the "right lawyer," a specialist with substantial knowledge and experience in resolving specific legal problems, is what you want when you need a lawyer. It is the sole, most serious pitfall, for the average person. Few states recognize a range of legal specialties and there is little readily available information to help in the selection of an experienced lawyer.
Often, people begin looking for a lawyer to represent them when they are confronted with a crisis. They may be dealing with a family death, serious injury, divorce, or criminal charge. Many times it is easiest to choose a lawyer who is friendly and supportive, without conducting research into his or her background and experience.
Choosing a lawyer simply because he or she is understanding may lead to later dissatisfaction. While the Yellow Pages or a television advertisement may be a good place to start, keep in mind that such sources are merely that and only a starting place.
Lawyers should be selected for their expertise and experience in specific categories of cases. The "right lawyer" is the person who has substantial experience handling a case very similar to yours, who can and will take action at once. She or he does not have to "look into it," "think about it and call you back" or "check the most recent court decisions." The "right lawyer" knows what to do immediately, acts effectively and with little wasted effort or wasted expenditures of your money.
Your search for the "right lawyer" should be expected to take several days. Although it is a challenging process, this commitment will yield important rewards. Begin as soon as possible because there may be statutes of limitations or other deadlines that may be critical. In some cases you have only a limited window of opportunity to take legal action.
Think carefully about the legal services you require. You may need on-going, regular legal advice from someone who has experience advising individuals or businesses in your line of work. Other attorneys have particular experience in drafting contracts or wills, representing estates or working through land development or zoning-related issues. Many lawyers practice law for a lifetime and never set foot in a courtroom because their work is primarily consultative and oriented toward planning. Other attorneys focus on providing remedies that require litigation, and are experienced in appearing before juries and trying complex civil and criminal cases. The bottom line is that there are many, many lawyers. You just need one. The "right" one.
Lawyers find the "right lawyer" by networking with the members of their profession who have experience in related areas. After making multiple calls they develop a "short list" of attorneys with special expertise. There are many ways that you can achieve the same goal.
Today the Internet offers search engines, such as Google, Yahoo!, AOLFind, HotBot, xand Lycos that allow you to enter "class action," "defective products," toxic chemical" or the like, to locate lawyers with special experience. In using any of these sources look for qualifications and experience that are factual.
Every community has lawyers who are experts in specific areas of the law. Finding a specialist requires more than asking friends and relatives for their recommendations. Unless they have extensive experience with the legal community, their advice has to be considered in the context of their background in retaining lawyers. To rely merely upon advice from friends and relatives may greatly limit your prospects unless they are involved in a line of work that is related to your problem. Artists and decorators know who does the best job of picture framing in town. For example, if your brother or sister has been served with divorce papers and in looking for a lawyer you learn of two family law specialists and a "brilliant trial lawyer." Remember, the key is networking. Call the "brilliant trial lawyer" and ask him or her who they would hire if they were sued for divorce.
If you have a family or business attorney upon whom you rely, your work is all the easier, but watch out. If your lawyer refers you to someone in his/her firm, this person may not be your best choice. Consider that person as someone to be added to your short list but nonetheless follow the guideline and suggestions you will find here before you make a final decision.
The best place to start is your county law library. Here you will find a number of directories and source books which will help you develop your "short list." But since everyone starts with the Yellow Pages, understand what you can learn there. The Yellow Pages are paid advertising. The bigger the ad, the larger the volume of common cases handled by that lawyer. This may be what you need for a common or garden variety case, but no major corporation picks its lawyers out of the Yellow Pages. Ignore the hype and look for facts confirming experience you can call upon.
Your County law library and most main libraries contain a national listing of attorneys published by Martindale-Hubbell, one of the best all-around sources of information. The Martindale-Hubbell Law Directory lists lawyers in practice by state and city. You'll be able to learn about attorneys' particular backgrounds, areas of practice, bar activities, honors, articles, and other aspects of their practices. But, more importantly, Martindale-Hubbell rates lawyers for their legal skills, ethics, and professionalism. While the rating system is not perfect, Martindale-Hubbell conducts confidential surveys of local judges and lawyers. Few very good lawyers are unrated.
Nothing beats experience, and you can find expert trial attorneys in the Association of Trial Lawyers of America's Desk Reference. Reach ATLA, located in Washington, D.C., by calling 202-298-6849 if the library does not carry their directory.
Many trial lawyer and consumer attorney organizations recognized their members who have special experience. Georgia Trial Lawyers Association is the Georgia chapter of the ATLA. GTLA provides a listing of attorneys who practice in certain areas of practice. While this list does not make any evaluation of the competency of an individual lawyer and does not certify the expertise of the recognized lawyer in any specialty, it does make one important contribution to your search. It provides independent recognition of actual experience for you to consider, as opposed to accepting an attorney's self-proclamation. Once again, the key is experience and for that reason this list is invaluable. Many other states have their own Trial Lawyers Associations.
For many people "cold calling" is not easy, but you may gain valuable information if you contact some of the local legal community's leaders. The local bar directory contains the names of current and former bar presidents, the heads of bar association committees, and editors of legal publications. It will also give the names of the directors of continuing legal education programs or CLE as it is commonly known. Attorneys must attend a specific number of hours of continuing legal education each year to keep current their license to practice under the rules of many state supreme courts or state bar associations. Those lawyers who organize these educational programs are excellent contacts who can refer you to attorneys who have expertise in your line of work. The best lawyers in fields unrelated to your problem know who they would hire. Birds of a feather not only flock together, but they read legal decisions, legal newspapers, know the current county scuttlebutt, and chat with their colleagues. When they need help, they know who to call.
If you know a specialist in Chicago, but need a lawyer in Santa Barbara, call the Chicago expert. The best lawyers in any state know the best lawyers across the country. Many times lawyers from different states work together on cases. Your expert in Chicago may not know the right lawyer in Santa Barbara, but he/she can put you in contact with someone in San Jose or Los Angeles who will have worthwhile recommendations.
As you are developing a "short list," do not hesitate to call either a current or former county bar president and to ask whether you would be making an error selecting any one of your nominees to represent you in a particular kind of case. It would be rare for you to receive a recommendation for any one particular individual, but you may learn whether an attorney has retired, suffered a major illness or limited her or his practice.
In smaller communities, the same information may be obtained from the presiding judge of your local court. Keep in mind that while judges seek to be independent, they are also, in many states, elected. To be reelected requires popular support of the bar and the electorate. Do not be surprised if the local presiding judge declines to comment, but don't be afraid to ask. Experienced trial lawyers have used this technique from time to time. Keep in mind that you may learn more by what a judge does not say, than by what he or she says. As long as you're cordial, explain that you have a problem and ask for any guidance that can be provided, there are very few judges that will turn down your request. Ask for comments on your "short list." "Would I be making a mistake hiring either A, B or C?" Or, "of A, B and C who has the most recent experience in defective products cases?"
If you have access to computerized data bases and your local newspaper is online, run a newspaper search of the people on your short list. Prominent lawyers who have taken on challenging and difficult cases are regularly mentioned in newspapers. More and more newspapers are on-line these days on the Net.
Do not expect to find the "right lawyer" by calling a local bar association. These are voluntary organizations designed to serve the needs of attorneys and they do not wish to alienate any of their members.
Interviewing the Specialist
There is no substitute for a face to face meeting when you are trying to select an attorney. You will not only learn whether a lawyer has the necessary expertise, but also whether you could form a comfortable working relationship with him or her.
Call each attorney on your "short list" to see who would be available to be interviewed about taking on your case, and what the fee schedule would be for this meeting. Some law firms provide clients with a brochure, press clippings, or a curriculum vitae, which details a lawyer's education, achievements, and experience. Ask for any information available on the lawyer or your subject matter, and review it carefully. Nothing beats a professional resume - called a curriculum vitae or "c.v." -- which will provide detailed information about professional training, experience, academic acumen, honors, awards, publications, speaking engagement, bar and community activities. This information tells you how a person is regarded by other professional and is invaluable. If a lawyer does not have a c.v. it means that he or she has never testified as an expert witness, has not been recognized by professional affiliations for which a c.v. is needed, and has chosen not to report his/her professional attainments on purpose.
Now is the time for comparison shopping. Read for substance and compare the background and work experience of one lawyer with another before you call for an appointment.
When you call for the appointment, describe your problem in twenty words ["I need an estate plan; my wife and I have a net worth of $1,000,000." "My husband filed for divorce, he's an engineer, we have two children and we own two houses." "I work for the city maintenance department with strong chemicals and was just diagnosed with leukemia."].
At your meeting you should give a clear summary of your situation and the services you are seeking. It is helpful to bring a one page summary of all the relevant information, including dates, times, names and addresses and which provides basic "who, what, where, when, why and how" information. Come prepared with all the documents that help tell your story, such as correspondence, photographs, accident reports, police reports and medical records. By examining this information the lawyer can quickly determine if she or she has a conflict of interest, in which she or he represents someone whose legal interests are in opposition to your own. Having all the records, receipts, reports and everything else you have gathered means that you mean business. Starting out byfont size="4"> reporting you left the police report at home does not reflect well on you.
When talking with a lawyer you are talking with a specialist with unique knowledge, just like your auto mechanic. Always ask these questions and start out with a clear discussion of money:
- What will it cost?
- How bad is it?
- How soon do I have to do something?
- Have you done this before?
- Are there any options?
- What are the odds of getting it fixed?
- When will it be done?
- Who is going to do the work?
- When can you get started?
Every major insurance company and corporate defendant begins investigating potential claims immediately. So should you. Evidence should be preserved instanter [an old but wonderful legal word that best explains how important this advice is] and in some cases a professional engineer is required rather than an investigator. Discuss what kind of investigation would be appropriate and whom the lawyer recommends.
An experienced lawyer's record should speak for itself. Check the results this attorney has obtained for clients who needed the same kind of services. Learn if he or she generally works with a certain category of individuals or businesses, since specialization is to your advantage. Ask a trial attorney how many cases like yours she or he has both tried, won, lost or settled. Do not be afraid to ask for a copy of a trial brief, settlement conference, or pre-trial statement that was filed with the court so better acquaint yourself with the type and quality of the attorney¹s work.
Many attorneys will work with other lawyers, their partners and employees who are called "associates" on your case It is important to know what their qualifications are, check what their level of involvement would be, and whether the person you are interviewing would be the lead attorney or decision-maker on your case. Find out who will be working on your case on a day-to-day basis. Ask to meet the legal staff, if they have not been introduced to you. Remember that when you are in a hospital you see the doctor usually once a day, but it is the nursing staff that provides hourly care. The same is true in the law office. Lawyers perform direct services, but they also give instructions and orders to others. Find out who those people are and what they do.
You should ask what course of action the lawyer suggests in your case, and be wary of an answer that contains lots of assurances but lacks concrete steps and a range of time the tasks would require. Determine what procedures will be followed to make sure all time deadlines will be met in your case. Many cases require the testimony of an expert, who is a specialist in a given field, many times a university professor, medical doctor, economist, accountant, or scientist. You should ask whether your case would be assisted by an expert, what kind of expert should be considered, which experts your attorney recommends, and when they should be retained. How much will they charge and who pays is discussed below.
Keep in mind that if you are going to litigate, your attorney will have to tell your story to a judge and a jury. You should try to imagine what kind of impression the attorney would make on them, and how convincingly he or she would present the facts of your case.
As a routine practice, determine how you and the attorney would resolve how your case should proceed. Does his attorney want to make all the decisions or does she or he enjoy shared decision-making? If there is a disagreement, are they open to second opinions and what happens if you do not get along. How would a change of counsel be accomplished? You should determine whether the attorney carries adequate professional liability insurance for a case like yours. In addition, ask if he or she has ever been sued for malpractice, how many times and more importantly the outcome. No professional should be offended if you explain that you are bringing up these unlikely possibilities as a matter of policy.
No interview would be complete without finding out what your own responsibilities would be. Ask if there are any tasks you would be involved in, and what your role in decision making would be. Most clients make the mistake of expecting the lawyer to initiate communication with them and most lawyers intend to do so and desire having a well informed client. But without a formal structure, it will not happen.
Understand that initiating communication is your responsibility and do not expect to be able to accomplish it by telephone. Many lawyers are frequently out of the office, appearing in court or taking depositions. Busy lawyers do not remain in their offices all day. Court appearances, arguing motions, interviewing witnesses, taking depositions into the dinner hour, traveling to meetings outside the office, attending continuing education programs and bar meetings are common. They will routinely not be there to accept a random call and may not be able to call you back when you will be available. Telephone tag does not accomplish your goal of being informed.
Be sure that you talk about the best ways to keep each other updated. Telephones do not work nearly as well as regular face-to-face meetings or scheduled telephone conferences. Plan on follow-up meetings with your lawyer at agreed upon times, perhaps every 30 days at first and thereafter as needed. Ask for copies of correspondence and documents filed in court. If you do not understand what they mean, save those questions for your next meeting. You must stay informed, but you do not want to abuse your welcome, even though you may be very anxious about your case.
Consider your lawyer in the same manner as you do your doctor. After you see a physician it is common for him or her to order tests, prescribe medication or to take some other action, but always you are asked to come back in a certain period of time. The doctor does not make the appointment. You do. Follow the same practice with your lawyer and arrange for follow-up meetings. One of the best ways to do this is by scheduling telephone conferences. Ask the lawyer, legal secretary or other person responsible for scheduling to set a meeting by phone when the lawyer expects to be in the office. This will help you avoid telephone tag and increases the probability of a successful exchange of information.
Understanding the Fee Agreement
If you think you have found the "right lawyer," you will want a written fee agreement. Unless you sign a written fee agreement at the outset, the probability of your having an amicable conclusion to your relationship is zero. Ask for a copy of the attorney¹s fee agreement. As with all documents, make sure that you understand it fully before you sign it. No reputable attorney will pressure you to accept a fee agreement on the spot. For more information on this subject, click here.
Creating a Working Relationship
After your interview, take time to consider whether you would be comfortable in working with this person as your lawyer. Ask yourself whether or not she or he gave you clear and direct information. Will they be available in an emergency? Consider if the attorney spoke knowledgeably and with a minimum of legal terms. Think about whether this lawyer understood and shared your goals. As a client will you be a co-participant or will the lawyer be making all the decisions? Did the attorney give you his/her home phone number if you have an emergency?
The importance of creating a comfortable working relationship with your lawyer cannot be underestimated. The road to obtaining the legal services you are seeking may be long, and it will take a considerable amount of teamwork to get there. If you make the commitment to find an experienced lawyer with whom you can work jointly, you will be well on your way to the best possible result.
Nearly all lawyers go to law school to "make a difference." Along the way most lose sight of that worthwhile goal.
I haven't and I won't.
My firm represents individuals, consumers, injured workers and small businesses, individually in personal injury/wrongful death cases and in class actions in cases involving a wide variety of defective products, toxic chemicals and fraud.
We are committed to serving the public interest through private court action that will benefit a large class of individuals and at the same time "encourage" others to treat the public fairly and responsibly.
I hope these pages will help you be a better consumer of legal services, help you obtain the assistance you need to achieve the best possible result and most importantly avoid the common pitfalls that have denied justice to good people who did not understand some of the concepts explained here.
This report has highlighted what you need to do increase your negotiating power with insurance companies. One advantage you have during the beginning stages of your case is that you alone control access to much of the evidence. The more of it that you preserve and protect, the more of it you can use to your advantage.
No one can guarantee the outcome of a lawsuit, but we can guarantee that we will work with you, provide advice, and share decision-making. We schedule regular meetings to review our progress with you and to make sure that we are informed about your progress. We are not paid until we collect for you and as long as you follow our advice, if there is no recovery there are no charges: no fees and no costs.
We cannot take on everyone who calls and we do provide referrals to professionals in whom we have confidence, but we never charge for giving advice and have enjoyed a reputation for caring, commitment and good results. Our track record speaks for itself.