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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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Workers' Compensation Law: 3 Facts You Need To Know

Even if you have not been injured on the job recently, it is important for you to understand your rights under workers' compensation laws. Understanding the facts regarding this area of the law will help to ensure that you get the benefits you are entitled to if you are ever injured on the job. Read on to learn more about three of the most important facts that all workers should know. 

1. Workers' Compensation Is A No-Fault System

Never be fooled into believing that you cannot file a workers' compensation claim simply because your employer is asserting that you are at fault for your injuries. Even if you are to blame for the events leading up to your injury, you may still be entitled to collect workers' compensation benefits. This is because the system is set up to be a no-fault system. This means that no matter who is to blame for your injuries, you can still file a claim for workers' comp benefits. 

2. Not All Workers' Compensation Claims Relate To A One Time Injury

While many workers' comp claims will be the result of an on-the-job accident that resulted in injury, this is just one type of claim. You can also file a claim for what is referred to as a repetitive motion injury. This type of injury is the result of performing a specific type of action over the course of time. For example, individuals who spend a lot of time typing may eventually develop carpal tunnel syndrome as the direct result of performing their job duties. Individuals such as these can be eligible to receive workers' comp benefits even though their injury did not take place as the result of an accident. 

3. You Cannot Be Punished For Filing A Workers' Compensation Claim

Many of the people who are injured on the job fully intend to continue working for the same employer once they have recovered from their injuries. This can often cause individuals to feel apprehensive about filing a workers comp claim. Many times this is because they fear their employer will retaliate by cutting their hours, demoting them, or even firing them. If you share these concerns, you should know that it is against the law for an employer to punish you in any way simply because you chose to file a claim for workers' compensation benefits. 

A Final Thought

While the information above can go a long way towards helping you to assert your rights in a workers' compensation case, navigating this type of claim can still be difficult. Consequently, it is best to consult with a workers' compensation lawyer regarding your claim. 

For more information, contact a workers' compensation lawyer in your area.