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A Credit Counselor Versus a Bankruptcy Attorney


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A Credit Counselor Versus a Bankruptcy Attorney

When I was drowning in debt, I knew that soon enough I would need to file for bankruptcy. I simply didn't make enough to cover the amount of debt I had accumulated. However, I was not sure whether I should work with a credit counselor or a bankruptcy attorney. I did a lot of research on the subject and found that there are pros and cons to working with both a credit counselor and a bankruptcy attorney, and that you also had the option of working with both at the same time. Ultimately, I decided to hire the attorney, but that may not be the best option for everyone. I created this website to help you understand what a credit counselor is and what they do, what a bankruptcy attorney is and what they do and how each can help you if you are drowning in debt.

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4 Things Insurance Companies Don't Want You To Know About Workers Compensation

If you have been injured while on the job, you should definitely file a workers compensation claim. The reason for this is that you will receive compensation for your injuries and the time you have had to miss from work because of recovery and time spent in the hospital. However, you will not receive fair compensation if you fall for the small tricks and tactics played by insurance companies. Here are four things the insurance companies don't want you to know:

  1. Insurance Companies Often Overlook Tips and Overtime: When the insurance company offers you a settlement amount, they typically only include your normal paycheck. However, if you would have otherwise worked overtime, they will overlook this. And if you work in a business where you regularly receive tips, they will attempt to leave this out, as well. Unfortunately, many victims fall for this tactic because they don't realize that their compensation settlement should be factoring these things in. 
  2. Insurance Companies Want You to See Their Doctor: When you are injured on the job, the insurance company working for your place of business will attempt to get you to see their doctor, which often works for those workers who do not currently have a regular doctor that they visit. The problem with this is that it is a conflict of interest. The doctor will often be biased because they work closely with your place of business and may overlook some of the severities of your injuries. 
  3. Insurance Companies Watch You for Mistakes: The insurance company is going to be paying close attention to your actions. For example, if you miss doctor appointments, they are going to take note of this and use it against you in the future to downplay the severity of your injuries. They will even look at your social media platforms to disprove the severity of your injuries, as well. Be careful not to post any pictures of you appearing to be participating in any vigorous activities. 
  4. Insurance Companies Withhold Benefit Information From You: The workers compensation insurance that your employer purchases for their business will sometimes include benefits that you may not be aware of, which is just what the insurance company wants because they are trying to save money. For example, one of the most common benefits that employees are not aware of is the benefit of compensation to a friend or family member taking time out of their day to care for you after you have suffered an injury that has limited your ability to perform daily tasks. 

When you know these four things that insurance companies attempt to hide from you, you can be sure that you are less likely to fall for their tactics to save money. You will be in even better hands if you hire a workers compensation attorney who can help you avoid these issues, as well.