There is a very specific difference in granting forbearance and amending the terms of a loan. For example, if the maturity date of a loan comes due and the debtor has not fully repaid the loan, the lender can change the terms of the loan to extend the maturity date. By making this amendment, the lender has ensured that the loan does not enter into default and that he or she keeps the terms of the loan in place. When the lender amends the loan, the debtor must still make payments according to the terms of the original loan. When a forbearance agreement has been issued, the parties temporarily put the terms of the loan on hold. By entering into a forbearance agreement, the borrower states that they have defaulted on the terms of the loan. However, through this agreement, they agree to resume the payments on the loan after the forbearance period. In return, the lender acknowledges the default but refrains from pursuing collections during the forbearance period. In many cases, the lender will attach certain conditions to the loan and the borrower for allowing the forbearance. These may include continued interest accrual during the forbearance period, repayments at a higher interest rate when the loan resumes, or additional security for the loan. If the borrower does not resume payments on the loan at the specified date, the lender will be able to sue for breach of contract and collect the debt on the loan under the terms of the original loan agreement. Forbearance AttorneyBefore granting forbearance, there will be a complete investigation of the financial standings of the borrower. In addition to checking finances and credit ratings, the lender should conduct a search for liens, tax liens, or other judgments against the borrower to gain a complete view of their finances. In addition, a survey will be conducted to ensure that all collateral is still in place to secure the loan. The forbearance agreement will contain many legal stipulations. Loan Is in DefaultFirst, it must contain the information stating that the loan in question is in default and that the borrower admits to this default. It must also include information that the lender is in full rights to claim a summary judgement against the borrower if the loan is not repaid. This gives the lender the right to collect on the debt if the forbearance is not honored. Legal Conditions of the ForbearanceThe next thing that you must include in this document is legal conditions of the forbearance. This will state that this contract is only in effect if the borrower agrees to, and honors all of, the conditions in the forbearance agreement. This section will also include information that states what will happen if the parties do not honor the forbearance agreement. In most cases, it will state that the loan will enter into default. Moreover, it will state that full collections on the loan will begin immediately. Conditions of the Loan in Relation to SecurityThe third part of the agreement will specify any conditions of the loan in relation to security. If the loan was previously secured by property or goods, or if the forbearance requires a security deposit, the terms will be defined. The borrower must agree to all the terms and provide the necessary security before finalizing the agreement. All parties should carefully review this part of the agreement. Release of LiabilityThe final section of the agreement will give a release of liability to the lender from all other parties. This release will cover any loss or damages caused by the forbearance agreement, loan documentations, or any other actions taken during the process. This section protects the lender from any “backlash” from the borrower. What Are the Benefits of Forbearance?Forbearance has many benefits for both the borrower and the lender. Lenders get an admission of default from the borrower. This admission will stand in court as a reason to collect the debt with aggression. The borrower, if granted forbearance, gets a second chance to pay off their debt without much damage to their credit history. Forbearance is not for everybody or applies in every situation. There must be a willingness and ability for the borrower to repay the debt at a later time for this type of legal action to work. If the debtor does not foresee the ability to repay in the future, or negates the deal, the creditor has their admission of default and can aggressively collect the debt. In a forbearance agreement, the loan owner (“lender”) agrees to reduce or suspend your payments for a set amount of time. With a repayment plan, the lender temporarily increases your monthly payment by adding part of the overdue amount to your current payments so that you can get caught up on the loan. In a modification, the lender typically lowers your monthly payment and brings the loan up to date by adding any past-due amounts to the balance of your debt. How Forbearance Agreements WorkWhile a loan modification is a permanent solution to unaffordable monthly payments, a forbearance agreement provides short-term relief for borrowers. With a forbearance, the lender agrees to reduce or suspend mortgage payments for a while. During the forbearance period, the servicer (on behalf of the lender) won’t initiate a foreclosure. In exchange, the borrower must resume making the full payment at the end of the forbearance period, and typically get current on the missed payments, including principal, interest, taxes, and insurance. You can usually: A Signed Modification Permanently Changes the Loan TermsA loan modification is a permanent restructuring of the loan where one or more of the terms are changed to provide a (hopefully) more affordable payment. If you’re currently unable to afford your mortgage payment due to a change in circumstances, but you could make a modified payment going forward, this option might help you avoid a foreclosure. How the Lender Adjusts Your PaymentWith a modification, the lender might agree to do one or more of the following to lower your monthly payment: Qualify for a ModificationGenerally, to get a loan modification, you must: A Forbearance Does Not Necessarily Stop ForeclosureA forbearance agreement with the mortgage lender’s loss mitigation department usually does not take the borrower out of foreclosure. Forbearance simply causes the bank to “postpone” or “continue” the foreclosure sale until the payments are completely caught up. If the borrower does not comply with the exact terms of the forbearance agreement (a few days late, a few dollars short), the foreclosure sale takes place immediately (often within days). Forbearance agreements are essentially a way for mortgage lenders to squeeze more money out of a borrower. Due to the loose foreclosure laws, lenders often disguise a last grab at the borrowers’ money as a “workout plan” for the loan, knowing they will be foreclosing on the property anyway. Forbearance agreements are stacked against the borrower and almost always result in foreclosure. Most borrowers would be better off with just about any type of arrangement, other than a forbearance agreement. In rare cases, the lender may offer an affordable forbearance agreement, but it quite uncommon. Many of the Utah bankruptcy cases filed by this office are the result of borrowers entering into forbearance agreements with mortgage lenders without understanding the implications. Who is Eligible for a Forbearance Agreement?The lender’s goal in offering a forbearance agreement is to improve the chances of eventually receiving full payment, or at least a more significant amount than it could expect if it were to enforce the terms of the original loan documents. Generally if the business can establish that the cash flow problem is short-term and there is a substantial likelihood that timely payments will resume within an acceptable time frame or the loan be refinanced and paid in full, the lender will be more inclined to consider forbearance. On the other hand, if it appears to the lender that the company’s financial situation will only worsen and the best chance to minimize losses comes from pursuing its legal remedies immediately, a forbearance agreement is unlikely. Thus, one aspect of the request and negotiation regarding a commercial loan forbearance agreement will involve putting together a plan to demonstrate to the lender that the problem is short-term and that the company has a plan for stabilizing its finances and making good on the loan. Driving the debtor company into bankruptcy or dissolution is bad for the lender, but so is gambling on a business that is likely to deteriorate further rather than recover. Negotiating a Commercial Loan Forbearance AgreementWhen you request forbearance in connection with a commercial loan agreement, you are not asking a “yes” or “no” question. Rather, the lender’s willingness to consider forbearance opens a discussion of terms that will provide the lender with adequate protection while allowing the business room to recover. Concessions to the Borrower in a Forbearance AgreementThe goal of the forbearance agreement is to allow the borrower to stabilize business operations and regain its ability to pay debts as promised. In order to achieve that, the lender will typically agree to forbear its right to accelerate the debt and to pursue other legal remedies for a specific period of time. Depending on the specifics of the situation, the lender may require partial payment of the delinquent amount or may waive or reduce payments for a specified time period. In exchange for these concessions, the lender will typically require certain actions and commitments from the borrower, which vary depending on several factors. Mortgage Forbearance Agreements vs. Loan ModificationsWhile a mortgage forbearance agreement provides short-term relief for borrowers, a loan modification agreement is a permanent solution to unaffordable monthly payments. With a loan modification, the lender can work with the borrower to do a few things (such as reduce the interest rate, convert from a variable interest rate to a fixed interest rate or extend the length of the loan term) to reduce the borrower’s monthly payments. In order to be eligible for a loan modification, the borrower must show that he or she cannot make the current mortgage payments because of financial hardship, demonstrate that he or she can afford the new payment amount by completing a trial period and provide all required documentation to the lender. The documentation the lender requires could include a financial statement, proof of income, tax returns, bank statements, and a hardship statement. Forbearance Agreement FraudA forbearance agreement, simply put, is an agreement between the lender and borrower to skip payments for a period of time due to temporary difficult circumstances on the part of the borrower. A forbearance agreement usually results in foreclosure delay and gives the borrower a chance to get back on stable ground. After the forbearance agreement period expires, the loan will revert to its original terms. In most cases, the lender still expects to have the borrower repay the full amount borrowed. If you are unable to meet your obligations because of unexpected and temporary financial difficulties, arranging a mortgage forbearance agreement with the help of an attorney could be one option to save your home. Free Initial Consultation with LawyerIt’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. 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An investment memorandum is a legal document that a company presents to potential investors to explain the objectives, risks, and investment terms surrounding a funding round. This includes financial statements, management biographies, company details, and many more items that help give a detailed view of the business and financial plan going forward. Offering MemorandumAn offering memorandum is a legal document that states the objectives, risks, and terms of an investment involved with a private placement. This document includes items such as a company’s financial statements, management biographies, a detailed description of the business operations, and more. An offering memorandum serves to provide buyers with information on the offering and to protect the sellers from the liability associated with selling unregistered securities. An Offering Memorandum is also known as a private placement memorandum. It is used as a tool to attract external investors, either specifically targeting a known group or just soliciting willing investors in general. The document enables the investor to understand in detail the investment, so as to help them assess their interest in participating in the deal. An investment banker often prepares an offering memorandum on behalf of the business owners. In investment finance, an offering memorandum is a kind of a detailed business plan that highlights information required by an investor to understand the business. It provides details on the terms of engagement, potential risks associated with the business, and a detailed description of the operations of the business. The document also often includes a subscription agreement that acts as a contract between the two parties, i.e., the investor and the issuing company. Investments formally follow these guidelines and are mostly required by securities regulators. A prospectus is similar to an offering memorandum, but the former is for publicly-traded issues while the latter is for private placements. Business growth requires an injection of capital that is obtained from investors. The offering memorandum is part of the investment process. For instance, a company may decide to increase the number of its offices, which will require a significant amount of funds. The process begins with the firm deciding how much they need for the expansion. Then, an investment banker drafts the offering memorandum, which must comply with existing procedures and securities laws and regulations. The company then chooses who to issue the document with, depending on their targeted investors. It is much like the process of doing an IPO, but an offering memorandum is aimed at a private placement investment rather than the company seeking funds going public. Understanding an Offering MemorandumAn offering memorandum, also known as a private placement memorandum (PPM), is used by business owners of privately held companies to attract a specific group of outside investors. For these select investors, an offering memorandum is a way for them to understand the investment vehicle. Offering memorandums are usually put together by an investment banker on behalf of the business owners. The banker uses the memorandum to conduct an auction among the specific group of investors to generate interest from qualified buyers. An offering memorandum, while used in investment finance, is essentially a thorough business plan. In practice, these documents are a formality used to meet the requirements of securities regulators since most sophisticated investors perform their extensive due diligence. Offering memorandums are similar to prospectuses but are for private placements, while prospectuses are for publicly traded issues. Example of an Offering MemorandumIn many cases, private equity companies want to increase their level of growth without taking on debt or going public. If, for example, a manufacturing company decides to expand the number of plants it owns, it can look to an offering memorandum as a way to finance the expansion. When this happens, the business first decides how much it wants to raise and at what price per share. In this example, the company needs $1 million to fund its growth at $30 per share. The company begins by working with an investment bank or banker to draft an offering memorandum. This memorandum complies with securities laws outlined by the Securities and Exchange Commission (SEC). After compliance is met, the document is circulated among a specific number of interested parties, usually chosen by the company itself. This is in stark contrast to an initial public offering (IPO), where anyone in the public can purchase equity in the company. The offering memorandum tells the potential investors all they need to know about the company: the terms of the investment, the nature of the business, and the potential risk of the investment. The document almost always includes a subscription agreement, which constitutes a legal contract between the issuing company and the investor. Who prepares the Offering Memorandum?When any company goes through a sale process, it hires an investment banker. The first step of the banker is to understand the company and gather as much information as possible from top management to come up with a profile the company. The banker prepares the CIM and uses it as a marketing document, which is intended to make the company look attractive as the objective is “not just to sell, but to sell for maximum value.” The reason an investment banker tries to sell a company at the maximum value is because they represent the best interest of their client (the seller), and that their commission is based on the sale price. Contents of the Offering MemorandumAn offering memorandum comprises key information on the company’s future growth strategy, upcoming opportunities in the market, strategy for achieving future projections, and details on competition in the marketplace. How the current management team plans on dealing with weaknesses, operations scalability, etc., are detailed in the document. The investment banker, financial advisors, and the like, should provide valuable information but the offering memorandum should also contain information directly from the company. Every clause should be scrutinized and vetted to ensure it’s free from errors or omissions. The document is meant to give the company an opportunity to convince targeted investors, and it should be flawless for this purpose. Offering Memorandum vs. Summary ProspectusWhile an offering memorandum is used in a private placement, a summary prospectus is the disclosure document provided to investors by mutual fund companies before or at the time of sale to the public. This written document is an abridged version of the final prospectus that allows investors to see pertinent information regarding the fund’s investment objectives and goals, sales charges and expense ratio, focused investment strategy, and data on the fund’s management team. Relevant tax information and broker compensation are also included in the disclosure document. A summary prospectus provides investors the information they need from the final prospectus quickly and in plain English. Importance of Issuing an Offering MemorandumThe document is legally binding, and its importance goes beyond being a necessary document in the process of investment for both sellers and investors. The document protocol helps the investor understand the opportunities being presented in the investment, imminent risks, potential returns, the operations involved, and the general capital structure. The offering memorandum also provides protection for the investor and for issuers of securities. The issuer is required to follow to the letter all regulations outlined by the SEC (Securities and Exchange Commission). The SEC promotes fairness in the investment industry by shielding investors in the securities industry from falsified information and by aiding the investor in making informed decisions in the process of committing huge amounts of funds. The offering memorandum also presents a professional touch to the seller. Investors cannot commit their money to businesses that don’t look organized or professional in their area of operation. Presenting a memorandum shows seriousness and professionalism in the business. Offering Memorandum vs ProspectusA prospectus is used for public markets while an offering memorandum is used for private markets. The offering memorandum document can also be referred to as an “offering circular” if it requires registration with the stock exchange commission. The offering memorandum and the prospectus share many attributes, ranging from the types of disclosures and amounts required to terms and conditions. Both documents describe the terms of the offer, such as the minimum amount to invest and the qualifications of an investor. The investor is also briefed on imminent risks such as tax issues, vulnerabilities, transferability issues, and potential returns. Both documents are basically a detailed business plan, with in-depth information on management structure, strengths and weaknesses, capital structure, asset values, share values, amount of shares available, and financial projections. What is a Private Placement?As the name suggests, a private placement is a private alternative to issuing, or selling, a publicly offered security as a means for raising capital. In a private placement, both the offering and sale of debt or equity securities is made between a business, or issuer, and a select number of investors. There may be as few as one investor for any issue. The three most important features that would classify a securities issue as a private placement are: A private placement issuance is a way for institutional investors to lend to companies in a similar fashion as banks, with a buy-and-hold approach, and with no required trading or public disclosures. Historically, insurance companies refer to investments as purchasing notes, while banks make loans. Private Placement SecuritiesIn a private placement, the shares of stock or debt instrument are considered securities under both federal and state securities laws. Consequently, any transaction involving the shares or debt must be registered under such securities laws or be exempt from registration. Typically, the offeror is an emerging growth company that has few capital alternatives, although more mature companies tend to be more successful in this process. Investment Memorandum LawyerWhen you need legal help with an Investment Memorandum, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
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Foreclosure Lawyer Farmington Utah Car Accident Free Consultation Getting Money From Family To Start A Business Ascent Law St. George Utah OfficeAscent Law Ogden Utah OfficeThe post What Is An Investment Memorandum? first appeared on Michael Anderson. via Michael Anderson https://www.ascentlawfirm.com/what-is-an-investment-memorandum/ A Notice of Trustee’s Sale informs homeowners and mortgage borrowers of record that their home will be sold at a trustee’s sale on a specific date and at a specific location. The actual sale typically completes a non-judicial foreclosure in states allowing this type of foreclosure process. The highest bidder at a trustee’s sale receives title to the property being sold; if no one bids, title to the property reverts to the foreclosing mortgage lender. Foreclosure Process Determined by State LawHome-loan foreclosure procedures are governed by state law. In general, there are two types of foreclosures. Judicial foreclosures fall under court jurisdiction, while non-judicial foreclosures are overseen by third-party entities including title or escrow companies appointed as trustees. States may allow either or both types of foreclosure proceedings. Mortgage lenders typically foreclose mortgage loans based on non-payment or other default of a mortgage loan according to terms outlined in a recorded document, such as a Mortgage or Deed of Trust. The Role of a Foreclosure TrusteeIn non-judicial foreclosures, a third-party entity known as a trustee conducts the foreclosure based on documentation and information submitted by the mortgage lender. The trustee files a Notice of Default, which is a document that establishes the mortgage default and names parties who took out the home loan being foreclosed. This notice is recorded with the county where the property is located and typically specifies a time limit for mortgage borrowers or other interested parties to respond or reinstate the mortgage by paying past-due payments, late fees and trustee fees. The time frame between filing a Notice of Default and a Notice of Trustee’s Sale varies between 60 days to several months depending on state laws and the volume of foreclosures being processed by the trustee. Notice of Trustee’s SaleIf the mortgage borrowers or current homeowners don’t cure the default as outlined in the Notice of Default, the foreclosure trustee will prepare and record a Notice of Trustee’s Sale. This document establishes where and when the property being foreclosed will be sold and provides the minimum opening bid for the property. The Notice of Trustee’s Sale is published in a newspaper local to the property being foreclosed, and it also is mailed to the borrowers of record and posted on the subject property. Tenants of property posted with a Notice of Trustee’s Sale must be prepared to vacate the property prior to the date of the trustee’s sale because they may be subject to eviction. Foreclosure and TenantsTenants of a home being sold through a trustee’s sale may wish to obtain legal advice or contact the trustee for more information about their rights and responsibilities. When the trustee’s sale is completed, title to the property typically is transferred from the homeowners (the tenants’ landlord) to either the foreclosing lender or the winning bidder at the trustee’s sale. Tenants can attempt to negotiate a rental agreement with the property’s new owner, but success can’t be guaranteed. How Do Trustee’s Sales Work?A trustee’s sale is one option that a lender has if you get behind on your mortgage and default on your payments. Foreclosure is usually the second option. The two differ only slightly in what they entail, as the trustee’s sale is often chosen because of the potential for the lender to recover more of the money that has been lost from the defaulted loan. PresaleA trustee’s sale is usually called at least 90 days before the sale is actually held. This occurs so that the person who is in default on his home loan still has time to get his financial situation straightened out to recover any potentially lost assets. When the lender decides to use a trustee’s sale, a notice is generally filed with the county recorder’s office and the borrower is presented with a notice of sale indicating when the sale is going to take place. Investors go to trustee’s sales with the idea of buying property for less than market value so that they can turn around and resell it at a profit. SaleA trustee’s sale is much like an auction, except the property being sold is property that has been seized as a result of someone’s failure to pay her bills. The property is auctioned off along with any remaining possessions that have been seized. These are either sold individually or in lots. Generally, the buyer has to purchase the property sight unseen and is taking a significant risk in doing so. However, the possibility of buying real property or other items at significantly less-than-market value is enticing enough for many investors. StipulationsSome stipulations generally exist that you must qualify for before you can participate in a trustee’s sale. You cannot simply show up and start bidding without registering for the sale first. You also have to show that you have sufficient funds to bid on the items you intend to win in the auction. This must typically be in the form of cash or a cashier’s check. This is one reason the lender may choose the trustee’s sale in the first place — it will receive immediate cash payment for the property being auctioned off. BiddingOnce bidding begins for the property, the person who has lost the property will be subject to the same bidding rules as everyone else involved in the sale. Bidding can begin as low as one penny over the asking price by the lender. The winning bidder can generally expect to pay some fees if he has the winning bid. This fee is somewhere around 1 percent but can vary depending upon the state in which the auction is held. How to Postpone a Trustee’s AuctionWhen discussing real estate, auctions are referred to as a “trustee’s auction” or “trustee’s sale date.” To postpone this sort or auction, the borrower must first be in default—meaning the borrower is not making mortgage payments. Borrowers who stop making mortgage payments will sooner or later cause the bank to foreclose. How that foreclosure is handled depends on state law, but more than half of the states in the U.S. are trust deed states, and the trustee handles foreclosures. Redeem the MortgageAlthough people refer to reinstating a mortgage and redeeming a mortgage interchangeably, they are different. To redeem a mortgage is to pay off the mortgage; reinstating requires bringing the mortgage current. During the final days of a non-judicial foreclosure process, a lender is not required to accept a reinstatement but must allow redemption. Apply for a Loan ModificationLenders are also not required to postpone an auction in exchange for a loan modification, but most banks will try to work out a temporary repayment schedule. This does not mean the bank will not send the home to auction, so be careful; borrowers may want to ask the bank for a written promise not to move forward with the auction. If accepted, banks will grant a temporary loan modification, and after three to six months, tell the borrower they are filing foreclosure because the borrower does not qualify for a permanent loan modification. File for BankruptcyA bankruptcy filing does not permanently stop an auction, but it could postpone the auction for a while. When a debtor files for bankruptcy, the court issues an order known as an automatic stay that stops attempts from creditors to collect money—including postponing an auction.6 However, the lender can then file a motion to lift the automatic stay, especially if the Notice of Default was already filed. File a Temporary Restraining OrderMost people associate a temporary restraining order with domestic abuse, but petitioning the court for protection from abuse can also include a request to postpone an auction. Borrowers will need to hire a lawyer to file a temporary restraining order, and that lawyer might need to find a reason based on fraud or some wrongdoing on the lender’s part. Even if the lawyer is successful and wins the argument, the restraining order is not permanent. Attempt to Make a Short SaleTelling a lender that the borrower is attempting to make a short sale is generally not enough; the borrower must submit an offer to the bank from a qualified buyer. The real estate agent or lawyer handling the negotiation for the borrower then calls the bank’s negotiator and requests a postponement of the auction. Often, banks will not consider a request for a postponement until the auction is a few days away. In Utah, and many other states, a notice of trustee sale is the final written notice that a lender has scheduled a date to sell a home in a foreclosure auction. When a borrower receives a notice of default or a notice of trustee sale, there is time remaining to take steps to stop the foreclosure process, but quick and decisive legal action must be taken to save a home from foreclosure. In most states, the lender has the right to issue the notice of foreclosure sale and move forward with a mortgage foreclosure sale when a borrower stops making their mortgage payments. The foreclosure process is formally started when the notice of default is sent to the home after a borrower misses 3 or more monthly mortgage payments. Any failure to answer the notice by either contacting the lender or reinstating the mortgage will likely to lead to the notice of trustee sale being sent.
Initiation of a Non-judicial ForeclosureWhen you take out a loan in a state that allows non-judicial foreclosures, you will likely sign a deed of trust or a mortgage, which contains a power of sale clause. This clause gives the trustee a third party that manages the non-judicial foreclosure process in certain states the right to sell the home though an out-of-court process if you stop making payments. Notice of DefaultSometimes, depending on state law, a non-judicial foreclosure process begins when the trustee records a Notice of Default (NOD) at the county recorder’s office. Notice of SaleThe Notice of Sale (NOS) generally states: Differences from State to StateWhile you might get both a Notice of Default and a Notice of Sale as part of the non-judicial foreclosure process where you live, foreclosure procedures and the documents you will receive do vary widely from state to state. You might get: Call Ascent Law LLCIf you’re facing a foreclosure and want to learn the specific procedures in your state, as well as about your rights during the process and whether you have any potential defenses to the foreclosure, consider talking to an attorney. Notice of Trustee Sale AttorneyWhen you need an Attorney for a Notice of Trustee Sale, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you!
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Hotel Owner’s Liability For Meth Foreclosure Lawyer Farmington Utah Ascent Law St. George Utah OfficeAscent Law Ogden Utah OfficeThe post Notice Of Trustee Sale first appeared on Michael Anderson. via Michael Anderson https://www.ascentlawfirm.com/notice-of-trustee-sale/ Farmington is a city in Davis County, Utah, United States. It is part of the Ogden–Clearfield, Utah Metropolitan Statistical Area. The population was 18,275 at the 2010 census and was estimated at 24,514 in 2018. An amusement park, called Lagoon Amusement Park, is located in Farmington. The city was ranked 12th on Money magazine’s “Best Places to Live” index in 2011. Farmington is a suburb of Salt Lake City with a population of 23,208. Farmington is in Davis County and is one of the best places to live in Utah. Living in Farmington offers residents a sparse suburban feel and most residents own their homes. In Farmington there are a lot of parks. Many families and young professionals live in Farmington and residents tend to be conservative. The public schools in Farmington are highly rated. How Much Will a Foreclosure Lawyer Charge?Most foreclosure attorneys structure their fee agreements by charging an hourly rate, collecting a flat fee, or charging a monthly rate. The amount you’ll pay in total could range from several hundred dollars to several thousand dollars. Exactly how much you’ll have to pay varies based on a number of factors, including the attorney’s level of experience and how much other attorneys in the area charge. Deal With the Foreclosure Without a LawyerAt Ascent Law, we strongly discourage you to face a foreclosure without having a lawyer on your side. The truth is, you should speak with a foreclosure attorney to discuss the specifics of your case if you don’t do that, you are not making a wise choice. However, it is your choice. So, if you don’t want to fight the foreclosure, you can probably deal with it on your own. You should educate yourself about what steps are involved, how long a foreclosure typically takes in your state, and exactly when you’ll have to move out of your home. You can apply for a mortgage modification during foreclosure without an attorney. You probably don’t need an attorney to help you apply for a mortgage modification. A modification is a permanent change to the loan terms, such as an interest rate reduction, to make the monthly payments more affordable. To get the ball rolling, call your loan servicer and let it know you would like to apply for a modification. The servicer will tell you exactly what you need to do to submit an application Why you might want to apply for a loan modificationIf you apply for a modification, you might be able to work out an agreement that will allow you to keep the home. Even if you can’t work out a deal, applying for a modification will you buy you some time to stay in the home before the lender completes the foreclosure. Generally, under federal law (and some state laws), a foreclosure must stop while the servicer evaluates your application. Hiring a Foreclosure AttorneyYou should seriously consider hiring a foreclosure attorney if you think you have a valid defense to the foreclosure, like the servicer didn’t follow the law or made a serious error with your account. In most cases, you’ll have to raise the defense in court, either by filing your own lawsuit (if the foreclosure is non-judicial) or responding to the lender’s lawsuit (if the foreclosure is judicial), which can be complicated. This means that it is usually better to hire an attorney than to go it alone if you want to successfully save your home. If you can’t afford to hire an attorney—even for just one meeting—then you could try to find a pro bono (free) attorney. What is a Foreclosure Property, and Should You Buy One?Foreclosures occur due to nonpayment, and though the process and timelines vary by state, the end result is the same: The mortgage borrower loses his or her home. Once the lender takes control of the property, it can sell it off to make up for financial losses on the home. Investors and consumers can purchase these homes—often at auctions or directly from the bank or government agency that owns them. Why Foreclosures HappenForeclosures, at their most basic, occur because the homeowner has failed to make agreed-upon payments with their mortgage lender. The reasons behind this nonpayment can vary. Sometimes, job or income loss is the culprit; for other borrowers, medical bills or credit card debt made it impossible to stay afloat. In some cases, it may be due to bankruptcy, divorce, disability, or other personal or financial issues. Cons How to Negotiate With SellersWhen buying a foreclosure, you’re often purchasing from a large financial institution like a bank or private lender. Because of this, offers usually require multiple approvals and may take longer to move through the pipeline. You can generally expect negotiations to be slower and more difficult than they would be with a traditional seller. Additionally, banks are looking to recoup as much of their losses as possible. As such, they’ll usually present a counteroffer during negotiation which, again, must be approved by several people. When purchasing in a traditional home sale, you can include a home inspection contingency and negotiate on repairs and pricing based on the inspection’s findings. When buying a foreclosed property at auction, individual buyer contingencies (and thus the negotiations based on them) are not allowed. Your best bet for negotiating a foreclosure purchase is to engage a real estate agent—ideally one with foreclosure experience. He or she will be able to help you craft a competitive offer based on comparable sales and market conditions. Foreclosed properties are attractive to buyers because of lower selling prices. Acquisition of a foreclosed property requires awareness of the buying process and considerations that differ from a new development. Nowadays, in this age of rising prices and inflation, prospective homeowners must consider other options other than new developments when scoping for purchases. One of these options is foreclosed properties, which are properties repossessed by either lenders or the local government. Foreclosure happens when the property’s titular owner is unable to keep up the periodic repayments to a lender or the real property tax owed to the local government. There are two ways to acquire foreclosed properties: Things to Consider When Buying Foreclosed Properties Foreclosure AttorneyWhen you need a Foreclosure Lawyer in Farmington Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
4.9 stars – based on 67 reviews
Hotel Owner’s Liability For Meth Can I File Taxes As Single If Married But Separated? Ascent Law St. George Utah OfficeAscent Law Ogden Utah OfficeThe post Foreclosure Lawyer Farmington Utah first appeared on Michael Anderson. via Michael Anderson https://www.ascentlawfirm.com/foreclosure-lawyer-farmington-utah/ Adoption establishes a parent-child relationship between individuals who are not naturally related. In many cases, the process requires a natural parent to relinquish his or her right to the child being adopted, which is why legal adoption requires a court proceeding and adherence to strict procedures. Adoption attorneys must ensure that several parties receive notification of your intent to adopt, including the child’s natural parents, any current guardian or custodian and any other person standing in loco parentis — serving a role similar to a parent in place of a parent. In many cases, including the adoption of a minor stepchild, the noncustodial parent must consent to the adoption. If the noncustodial parent refuses to consent, a trial may be necessary. If a trial occurs, a adoption attorney must establish grounds for the termination of the noncustodial parent’s rights. Adoption Lawyers and Why You Need ThemThe adoption process is guided by laws and regulations from start to finish. There are state and federal laws that apply for adoptive families and prospective birth mothers. This means not only conducting the adoption in the proper way, but also filling out mountains of paperwork and filing it with the right department at the right time. The role of adoption attorneys in the process, ideally, is to step into the complicated legal matters that the staff of your adoption agency may not be equipped to handle. In this role, the adoption lawyer is an important part of the adoption but is not the primary professional involved in the process. However, in your research of adoption, you may also hear about adoption lawyers playing a different role. Some families, in an attempt to lower adoption costs and simplify the process, decide to use a private adoption attorney as if they were an adoption agency. In these cases, an adoption lawyer leads the whole process. This type of arrangement is generally referred to as an independent adoption. What Does an Adoption Lawyer Do?Adoption Lawyer are legal practitioners with expertise in family law, specifically adoption. Adoption law firms are a group of two or more attorneys who practice law. Some of these law firms have an attorney who specializes in adoption law. This specialty can range from stepparent to independent adoptions. Most adoption attorneys handle the legal process but do not locate potential birth parents for their clients, making them an ideal professional for processes like stepparent, relative and identified adoptions. In some cases, however, attorneys can attempt to provide services like locating birth mothers, facilitating communication, overseeing living expenses and protecting families’ financial investments. These are typically services provided by an agency professional who has expertise in these areas, whereas an attorney for adoption is not always trained in these matters that fall outside the legal elements of adoption. These disadvantages are not meant to put down adoption attorneys or be overly critical of their work. Rather, it is simply an issue of working with adoption attorneys in the proper context. They play a vital role in the adoption process. Really, it couldn’t happen without adoption lawyers. However, most are not equipped to fulfil obligations of the adoption process outside of that role. Families who decide to adopt solely through a lawyer for adoption typically run into a variety of issues that wouldn’t be present when working with a full-service adoption agency. • Lack of advertising: An important part of the adoption process is finding adoption opportunities for hopeful parents. This means reaching out to prospective birth mothers with family profiles through a process called adoption advertising. While adoption agencies typically have processes and staff members dedicated to this kind of advertising, adoption attorneys do not. Because of this, a family may feel the need to try to advertise by themselves, which is problematic. In some states, it is illegal for families to advertise on their own. When it is illegal, it can be costly and ineffective. For perspective, the largest national agencies carefully track marketing success and have major networking contacts, but still spend an average of $8,000 to $10,000 in advertising for each successful adoption. A family can expect to potentially pay more in advertising through an adoption law firm, especially if the ad is placed on your own. Conversely, a family can choose to work with an adoption attorney in conjunction with a full-service adoption agency that has expertise, experience and resources dedicated to each aspect of the adoption process. Not only can an agency like American Adoptions meet your needs at every step of the way, we also connect families with trusted adoption attorneys for the legal aspects of adoption; that way you don’t have to go out interviewing attorneys on your own. What Are The Responsibilities And Duties Of An Adoption Lawyer?The role of an adoption attorney includes filing the appropriate paperwork to begin, continue, and finish the placement process. Another duty or responsibility of an adoption attorney is to appear with you during adoption proceedings. Your adoption attorney should also help you with completely understanding your state’s specific adoption laws. This is something you’ll want to look for when you begin your adoption attorney search– someone who knows the applicable regulations and laws and how they will apply and affect you. How Do You Find An Adoption Lawyer?First you call Ascent Law. There are many methods available for finding an adoption attorney that is best for your specific situation. If you know of anyone who has been in a similar situation, ask him or her for referrals and contact information for the adoption attorney he or she used. You can also contact local adoption agencies. They should have a list of adoption attorneys they’ve worked with before. Consider joining and actively participating in a support group. This is another great way to receive contact information or adoption attorney referrals. And one of the easiest ways to receive contact information is through our professional directory. Your search can be state-specific and professional type-specific. Throughout this process, remember that your adoption attorney is there to help, assist, and guide you. He or she should know of all your state’s adoption laws, rules, and regulations. Working with an adoption attorney is a great way to progress through the placement process because of the step-by-step and hands-on help that your adoption attorney should offer. Make use of the resources around you as you explore your options. Working With an Adoption LawyerIn almost all circumstances, it is helpful to go through the adoption process with the assistance of an attorney. Creating a family is one of the most significant events in the lives of most people seeking to adopt. You will want to be certain that the adoption you pursue complies with state and federal laws, and that nothing will disturb the relationship that you have built. If you are considering adoption, one of the first steps is to contact a knowledgeable adoption attorney. Similarly, if you are a biological parent, and you are seeking to place your child for adoption, you will also want the assistance of counsel to help you understand your rights. Typically, the adoptive parents will pay for the costs of the birth parents’ attorney because it is important that the birth parents’ rights and wishes are protected. Contested Adoption HearingsThe examples above presume that the adoption process has received the consent of all parties. This is not always the case, however. Sometimes a court will terminate the parental rights of birth parents without their consent. In these situations, an attorney is especially important. Some states will provide an attorney free of charge to birth parents who are involved in parental right termination hearings. In other states, parents who are at risk of losing their parental rights need to pay for their own counsel. The involuntary termination of parental rights can only happen in certain circumstances. Parental rights can be terminated if the parents have been found to have abused or neglected the children and are unable or unwilling to provide a safe home for the children. Parental rights can also be terminated if a parent has abandoned the child or if they will be incarcerated for a long period of time. A skilled attorney can help you defend your parental rights if you are at risk of an involuntary termination. The Role of a Lawyer in an AdoptionWhile potential adoptive parents may see an adoption as a primarily emotional process that formalizes a parental bond, it is also a legal process. Since the parent/child relationship is so important, courts want to be certain that the legal procedures are followed precisely. That is why attorneys are almost always involved in the adoption process. However, the specific involvement of the adoption lawyer will depend on the type of adoption and other factors. If you are working with an adoption agency, they will likely coordinate the attorney services for you. However, if you are doing an independent adoption, you will probably be responsible for finding and hiring your own attorney. In an independent adoption, the adoption lawyer will also likely play a much larger role. In an independent adoption, the attorney will be responsible for making sure that all of the legal requirements of your state are met. This includes making sure that necessary home studies, background checks, and other screening procedures are completed properly. It also may include helping potential adoptive parents gather the documents that they need. If you are in a state that permits facilitated adoptions, often the facilitator will be an attorney. Some adoption attorneys will keep files of potential adoptive parents. When a birth parent reaches out to them, they will help them find an adoptive home for the child. As with independent adoptions, the adoption lawyer will probably be the main professional working with you. For birth parents who are voluntarily terminating their parental rights, the role of the lawyer is to safeguard the rights of the birth parents. The adoption attorney can help explain certain decisions that need to be made and act as an advocate to make sure that your wishes are carried out. They can also assist you if you change your mind and decide to parent the child. In involuntary terminations, the birth parents’ lawyer has one of the most important roles in the process. They are responsible for vigorously defending the rights of the biological parents and fighting the termination if that is what the birth parents want. Free Initial Consultation with LawyerIt’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
4.9 stars – based on 67 reviews
Restricted And Prohibited Weapons How Employers Should Handle A Workers Comp Claim Hotel Owners Liability For Meth Ascent Law St. George Utah OfficeAscent Law Ogden Utah OfficeThe post Utah Adoption Lawyer first appeared on Michael Anderson. via Michael Anderson https://www.ascentlawfirm.com/utah-adoption-lawyer/ Everyone knows that being involved in a property that has been used for meth can be trouble, but most people don’t understand what that means. Utah laws provide explicit directions that must be followed and penalties including criminal prosecution for those who don’t follow the rules. A property owner who uses, or makes, meth must reveal this fact to future buyers. Even if meth is made in small, user quantities the property is a clandestine drug lab according to the law. Subsequent buyers have three years to test for drug contamination. If contamination is found during this period the seller is liable for remediation of the property, payment for associated health problems and all legal fees. The same rules apply for relatives and renters. The owner is responsible, but homeowners insurance will sometimes offer help. The only way for a property owner to be protected from liability, both monetary and criminal, is to have the property remediated as clandestine drug lab. When all the steps have been properly completed the qualified industrial hygienist issues a Decision Statement. If the Decision Statement is issued declaring the property safe for human occupancy, the owner is protected from future liability. If a property has been identified as a drug lab by a law enforcement agency and the owner notified, the property becomes a public health hazard and must be demolished or remediated. The owner is the responsible party who must prevent entry and properly demolish and remove the structures or remediate the property. It is a crime to allow any unauthorized person to enter a known drug lab. This applies to persons of trust such as real estate agents and banking entities as well as private property owners. A real estate agent showing a property that he/she knows has been used for meth production or use can be prosecuted for criminal charges. The remediation process starts with a Preliminary Assessment prepared only by a qualified industrial hygienist. The Preliminary Assessment must be prepared in a specific manner with specific information. This document includes: descriptions of the property; the contaminated areas; the manufacturing process along with chemicals used; where they were used; sampling procedures; as well as other required information. Testing done with home test kits, by certified testers or home inspectors, can’t be used in substitution for any required testing or documentation. Using these tests for this purpose is fraudulent and may lead to criminal prosecution. Only the specific documentation required by the state and prepared by a qualified industrial hygienist will protect owners, real estate agents and lenders from liability and/or criminal prosecution. Any person who is not properly qualified who represents himself as a qualified industrial hygienist, or represents his testing as being in compliance with state laws is committing fraud and may be prosecuted accordingly. After a Preliminary Assessment has been prepared by the industrial hygienist, the property must be remediated according to the directives of the report. If the property owner chooses to demolish the property, no Preliminary Assessment is required. After a property is remediated clearance testing must be done by an industrial hygienist who will issue a Decision Statement if the property is found to be safe for entry. The Decision Statement is the document that protects the owner and those involved in the sale of the property from prosecution and liability. No other documentation can be substituted for the Decision Statement. After a property has been identified as a clandestine drug lab it is illegal to remove any property without having it tested by the industrial hygienist. All property is assumed to be contaminated with toxic substances. Without clearance testing of every single item, each item must be disposed of as toxic waste. After they move into their new home, a subsequent buyer or renter of a contaminated property is likely to lose all use of their property until decontaminated or tested and cleared. A buyer has three years to discover meth contamination and sue the seller and associated persons and entities for damages. Loss of health and property and legal fees give these suits the potential for huge damage awards. A contaminated property knowingly rented would also put the owner/manager in a position to be liable for damages regardless of if the property has been identified by law enforcement. Involvement in a meth property is risky financially. Involvement in a meth property that has not been remediated and released to the letter of the law can lead to criminal charges as well as financial penalty. Meth contamination can have serious consequences for inhabitants, particularly children. The penalties of the law reflect the seriousness of the threat to future occupants’ health, financial security and general well-being. Damages can be tremendous and far-reaching. So can the penalties of being involved in a meth property. You can test yourself, or your children for meth that has been ingested from contact with contaminated surfaces. Saliva tests are accurate, easy to use, and private and take only 5 minutes. Properties affected by methLandlords must provide a clean and habitable property. Tenants must not use the rental property for an unlawful purpose. This includes smoking or manufacturing meth. If landlords rent out contaminated properties, they may be breaching their obligations under the Residential Tenancies Act 1986. They may also be breaching other legislation such as the Building Act 2004 and the Health Act 1956. Residential Tenancies Amendment Act 2019Using, possessing, selling and manufacturing meth are offences under the Misuse of Drugs Act 1975. Tenants who smoke, sell or manufacture meth in a rental property are using the property for an unlawful purpose. This is a breach of the Residential Tenancies Act. Tenants who cause meth contamination are also breaching their obligation to not intentionally or carelessly damage the property. In most cases, tenants will be found liable for damage from meth contamination caused by a tenant or their guests. The Tenancy Tribunal may order tenants who have used a rental property for an unlawful purpose to pay a penalty of up to $1,000. Meth testingOn 27 August 2019, landlords can test for meth contamination during a tenancy, but they need to provide the correct notice before entering the property. At the start of a tenancy, landlords may include additional clauses related to meth testing in the tenancy agreement. Any additional clauses must comply with the Residential Tenancies Act. Is Your Landlord Liable for Your Safety?As a tenant in an apartment building or rental home, you may not realize that your lease also guarantees you the right to expect a certain level of safety and security. You should be able to go to sleep at night not worrying that a careless landlord has left you at risk for an accident or injury. If you are injured or attacked while living in a rental home, you may be able to pursue a lawsuit against your landlord or apartment complex to help pay for your recovery. For example, if a landlord fails to properly upkeep stairs and you are injured in a fall, or if an employee of the complex attacks or steals from you, your landlord could be found negligent. Premises Liability BasicsLandlord responsibility falls under the umbrella of premises liability. To a certain degree (and subject to circumstance) whoever owns a property is responsible for injuries that visitors or tenants suffer. Proving fault in a slip & fall injuryYour landlord’s insurance may cover your injuries automatically, or you may need to hire a personal injury attorney to assist with your claim. The law defines specific incidents where an owner or landlord is responsible for a fall that occurs on his or her property. To prove a property owner liable for your injuries, you must present evidence showing that either an employee or the landlord/building owner: How A Meth Lab Harms PeopleIf a home has been used as a meth lab, it cannot be lived in until decontaminated. People who unknowingly live in a home that formerly was a meth lab suffer from a number of health issues from the contamination. The toxicity can enter the body by being inhaled or the skin absorbing the materials. Common health complaints by people living near an operating meth lab are headaches, nausea, dizziness and fatigue. Chest pain and lack of coordination also have been reported. In the worst cases respiratory issues, kidney damage, cancer and even death are a risk. Then finally the risk of people being hurt in an explosion is very high. Utah Hotel AttorneyWhen you need a Utah Hotel Attorney call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
4.9 stars – based on 67 reviews
Restricted And Prohibited Weapons Ascent Law St. George Utah OfficeAscent Law Ogden Utah OfficeThe post Hotel Owner's Liability For Meth first appeared on Michael Anderson. via Michael Anderson https://www.ascentlawfirm.com/hotel-owners-liability-for-meth/ There is no permit, background check or firearms registration required when buying a handgun from a private individual. Although the state has pre-emption, Salt Lake County has established a policy that background checks for private sales in the counties three event facilities (Salt Palace Convention Centre, Mountain America Expo Centre and Salt Lake County Equestrian Park). Open carry is legal in Utah if you have a concealed carry permit. The minimum age is 18 years old. Without a permit, you can only open carry a handgun if it is unloaded and at least two actions from being fired (e.g., rack the slide to chamber, then pull the trigger). Concealed carry is legal with a license/permit. The minimum age is at least 21 years of age or 18 for a provisional permit. Utah Concealed Firearm Permits (CFP) are issued to residents and non-residents who meet the requirements. Some areas are off-limits, including courthouses and secured areas of airports. Concealed carry permits require a firearms familiarity course that has been certified by the Bureau of Criminal Investigation (BCI). In terms of reciprocity, Utah will honour all other state or county permits. Utah is a Castle Doctrine state and has a “stand your grounds” law. The person using deadly force in defense of personal or real property is presumed for the purpose of both civil and criminal cases to have acted reasonably and to have had a reasonable fear of imminent peril of death or serious bodily injury if the trespass or attempted trespass is unlawful and is made or attempted by use of force, or in a violent and tumultuous manner or for the purpose of committing a forcible felony. There is no duty to retreat if a person feels deadly force is justified to prevent a felony from being committed. The law applies in defense of real property or personal property at a person’s residence or any place where a person has a legal right to be. Subject to limited exceptions, Utah law generally prevents individuals from enforcing restrictions on an individual’s ability to transport or store a firearm in a vehicle on any property designated for motor vehicle parking, if: • The individual is legally permitted to transport, possess, purchase, receive, transfer or store the firearm; Notice that firearms are prohibited may be given by: • Personal communication to the actor by the church or organization or a person with authority to act for the person or entity; • Publication in a newspaper of general circulation in the county in which the house of worship is located or if the church or organization operating the house of worship has its principal office in this state. Private sales of GunsPrivate sales of firearms are legal in Utah to anyone over the age of 18 UCA 76-10-S509.9. Online classified websites are a common meeting place for buyers and sellers. One highly utilized internet site was the classified advertising section of news station KSL-TV. However, after the Sandy Hook Elementary School shooting in December 2012, KSL temporarily disallowed sales or advertising of firearms. KSL has yet to rescind their stance. Prohibited PersonsThere are two categories of persons who may not possess firearms or dangerous weapons under Utah law. Penalties for weapons possession by category I restricted persons are more severe than the penalties for possession by category II restricted persons. Category I covers persons who have “been convicted of any violent felony” or are “on probation or parole for any felony” or have been “within the last 10 years an adjudicated delinquent for an offense which if committed by an adult would have been a violent felony”. Under Utah law, “A Category I restricted person who intentionally or knowingly agrees, consents, offers, or arranges to purchase, transfer, possess, use, or have under his custody or control, or who intentionally or knowingly purchases, transfers, possesses, uses, or has under his custody or control any firearm is guilty of a second degree felony.” NFA firearmsUnder Utah state law, “Any person who transfers in violation of applicable state or federal law a sawed-off rifle, sawed-off shotgun, or fully automatic weapon to a minor is guilty of a third degree felony.” Utah is a shall issue state for permits for the concealed carry of firearms. Utah law states “The bureau shall issue a permit to carry a concealed firearm for lawful self defense to an applicant who is 21 years of age or older within 60 days after receiving an application, unless the bureau finds proof that the applicant does not meet the qualifications set forth”. Permits are issued to both Utah residents and non residents. Applicants between 18 and 20 may obtain a provisional permit. Persons convicted of a felony, any crime of violence, any offense involving alcohol, any offense involving the unlawful use of narcotics or other controlled substances, any offense involving moral turpitude, any offense involving domestic violence, or persons found by any court to be mentally incompetent are automatically barred from being issued a permit. Any person barred by state or federal law from possessing a firearm may not be issued a permit. Additionally, “The bureau may deny, suspend, or revoke a concealed firearm permit if it has reasonable cause to believe that the applicant or permit holder has been or is a danger to self or others as demonstrated by evidence”. Examples of such evidence include “past pattern of behaviour involving unlawful violence or threats of unlawful violence” or “past participation in incidents involving unlawful violence or threats of unlawful violence”. In determining whether the applicant or permit holder has been or is a danger to self or others, the bureau may inspect expunged records of arrests and convictions of adults, and juvenile court records. However, Utah law also states that “The bureau may not deny, suspend, or revoke a concealed firearm permit solely for a single conviction for an infraction violation of Title 76, Chapter 10, Part 5, Weapons”. Permit holders may appeal a permit suspension, denial or revocation. Utah law states that “In the event of a denial, suspension, or revocation of a permit, the applicant or permit holder may file a petition for review with the board within 60 days from the date the denial, suspension, or revocation is received by the applicant or permit holder”. Restrictions of concealed carryEven with a carry permit, carrying a concealed firearm is not allowed in any church that notifies the State of Utah and makes public notice. A church must, by state law, make annual notice of this intent to prohibit firearms from their “houses of worship”. The Church of Jesus Christ of Latter-day Saints prohibits the carrying of firearms in its “houses of worship”; they have current notice posted on the Utah Department of Public Safety’s website. Prohibition of firearms from “houses of worship” does not necessarily include all property owned by the church. However, firearms are prohibited at all Church-owned colleges (LDS Business College and Brigham Young University) and office buildings. Church campsites also prohibit weapons. Penalties for concealed carrying without permitCarrying a concealed firearm without a permit is a class B misdemeanour if the firearm is unloaded (No round in the chamber), and is a class A misdemeanour if the firearm is loaded (Has a round in the chamber). A person who carries concealed a sawed-off shotgun or a sawed-off rifle is guilty of a second degree felony under Utah law. If an unlawfully carried concealed firearm is used in the commission of a violent felony, and the person is a party to the offense, the person is guilty of a second degree felony. Concealed carry on private propertyAny person eligible to possess a firearm may carry that firearm, either concealed or unconcealed, in their own home or property, or on any private property with the consent of the property owner. Utah law allows concealed firearm permit holders (CFP), including teachers with a CFP, to carry a concealed firearm on any public school premises. Specific crimes with firearmsCarrying a firearm with the intent to unlawfully assault another is a class A misdemeanour under Utah law. Drawing or exhibiting a firearm in an angry and threatening manner, or unlawfully using a dangerous weapon in a fight or quarrel in the presence of two or more persons is a class A misdemeanour. This law does not apply when firearms are properly used in self-defense. Negligently discharging a firearm in a manner that disturbs the peace or could damage or harm public or private property is a class B misdemeanour. Discharging a firearm in a manner that significantly endangers any person, or discharging a firearm into any habitable structure is third degree felony. If bodily injury to any person results from such negligent discharge, the offense can be elevated/enhanced to a second or first degree felony, depending upon the severity of the bodily injury or harm caused by the negligent discharge. Any person who carries a firearm while under the influence of alcohol or a controlled substance is guilty of a class B misdemeanor. Right to keep and bear arms in state constitutionArticle I, Section 6, of the Constitution of the State of Utah provides that: “The individual right of the people to keep and bear arms for security and defense of self, family, others, property, or the state, as well as for other lawful purposes shall not be infringed; but nothing herein shall prevent the Legislature from defining the lawful use of arms.” The fees to apply for a concealed firearm permit are $53.25 for Utah residents and $63.25 for non-residents. Please make checks and money orders payable to the “Utah Bureau of Criminal Identification.” • A Photocopy of your state issued Driver License Gun LawyerWhen you need a Utah Gun Attorney, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
4.9 stars – based on 67 reviews
Restricted And Prohibited Weapons Ascent Law St. George Utah OfficeAscent Law Ogden Utah OfficeThe post Utah Concealed Carry Law first appeared on Michael Anderson. via Michael Anderson https://www.ascentlawfirm.com/utah-concealed-carry-law/ The Criminal Code distinguishes “prohibited weapons” and “restricted weapons” as subclasses of “weapons” generally. Additional weapons-related offence applies to those weapons classified as “prohibited” or “restricted”. Prohibited WeaponWhere a weapon can be quickly and readily converted to an automatic gun, then that weapon must fall within the definition of “prohibited weapon”. However, a gun frame or receiver, inoperable by itself because the selector button was welded to prevent it firing automatically, is not a prohibited weapon, because the modification required to remove the weld required specialized knowledge and considerable effort. When involving a knife that is found to be a prohibited weapon, the crown must also establish that the accused was aware of the feature that makes it a prohibited weapon. Before anything can be a prohibited weapon it must first be established as a weapon. • Any instrument or device commonly known as “nunchaku”, being hard non-flexible sticks, clubs, pipes, or rods linked by a length or lengths of rope, cord, wire or chain, and any similar instrument or device. • Any instrument or device commonly known as “manrikigusari” or “kusari”, being hexagonal or other geometrically shaped hard weights or hand grips linked by a length or lengths of rope, cord, wire or chain, and any similar instrument or device. • Any finger ring that has one or more blades or sharp objects that are capable of being projected from the surface of the ring. • Any device that is designed to be capable of injuring, immobilizing or incapacitating a person or an animal by discharging an electrical charge produced by means of the amplification or accumulation of the electrical current generated by a battery, where the device is designed or altered so that the electrical charge may be discharged when the device is of a length of less than 480 mm or bigger, and any similar device. • A crossbow or similar device that is designed or altered to be aimed and fired by the action of one hand, whether or not it has been redesigned or subsequently altered to be aimed and fired by the action of both hands; or has a length not exceeding 500 mm. • The device known as the “Constant Companion”, being a belt containing a blade capable of being withdrawn from the belt, with the buckle of the belt forming a handle for the blade, and any similar device. • Any knife commonly known as a “push-dagger” that is designed in such a fashion that the handle is placed perpendicular to the main cutting edge of the blade and any other similar device other than the aboriginal “ulu” knife. • Any device having a length of less than 30 cm and resembling an innocuous object but designed to conceal a knife or blade, including the device commonly known as the “knife-comb”, being a comb with the handle of the comb forming a handle for the knife, and any similar device. • The device commonly known as a “Spiked Wristband”, being a wristband to which a spike or blade is affixed, and any similar device. • The device commonly known as a “Kiyoga Baton” or “Steel Cobra” and any similar device consisting of a manually triggered telescoping spring-loaded steel whip terminated in a heavy caliber striking tip. • The device commonly known as a “Morning Star” and any similar device consisting of a ball of metal or other heavy material studded with spikes and connected to a handle by a length of chain, rope or other flexible material. The device known as “Brass Knuckles” and any similar device consisting of a band of metal with one or more finger holes designed to fit over the fingers of the hand. Restricted Weapons“Semi-Automatic Automatic”: a firearm that is equipped with a mechanism that, following the discharge of the cartridge, automatically operates to complete any part of the reloading cycle necessary to prepare for the discharge of the next cartridge. Certain weapons can be adapted to be both semi-automatic and fully automatic. Inoperable gunsAn inoperable gun can be a firearm if it can be fixed into operating order in a relatively short period of time and with relative ease .Likewise, if there is at least some evidence indicating or inferring that the alleged firearm, because of a defect or inadequacy, is incapable of being fired, then it is not a firearm. Make-shift firearmsWhether something can be adapted for use as a firearm depends on the amount, nature and time spent adapting the device. Certain devices such as pellet guns can be found to be a firearm where it is “used or intended to be used for a dangerous purpose”. Firearm Restrictions“Firearm” means any device designed, made, or adapted to expel a projectile through a barrel by using the energy generated by an explosion or burning substance or any device readily convertible to that use. Highly Restricted Types of FirearmsFirst, there are some types of guns most civilian Americans simply cannot legally own. The National Firearms Act of 1934 (NFA) greatly restricts the ownership or sale of machine guns (fully automatic rifles or pistols), short-barreled (sawed-off) shotguns, and silencers. Owners of these types of devices must undergo deep FBI background checks and register the weapon with the Bureau of Alcohol, Tobacco, Firearms, and Explosives’ NFA registry. In addition, some states, like California and New York, have enacted laws completely banning private citizens from possessing these NFA-regulated firearms or devices. How do I get a Possession and Acquisition License for restricted firearms in Utah?You must be 18 years old to get a full Possession and Acquisition License for restricted firearms but is allowed if under the “direct and immediate supervision” of an adult who has a license. A firearms license and registration certificate must be available when carrying restricted firearms. If stopped by a peace officer, you must be able to present them or your gun can be seized. Ownership and possession both require a license. Therefore, even if you do not own a restricted firearm, but are in possession of one – a license is needed. PENALTIES FOR FIRST TIME WEAPON POSSESSION IN UTAHUtah has various laws that deal with the illegal possession of guns and other dangerous weapons. A weapon possession offense can involve several different circumstances. Some laws address individuals who cannot possess a weapon, and others address the right to carry a firearm in certain areas. Free Initial Consultation with LawyerIt’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
4.9 stars – based on 67 reviews
Ascent Law St. George Utah OfficeAscent Law Ogden Utah OfficeThe post Restricted And Prohibited Weapons first appeared on Michael Anderson. via Michael Anderson https://www.ascentlawfirm.com/restricted-and-prohibited-weapons/ Divorce is a difficult and stressful life event that affects people in different ways. Not only must you deal mentally and emotionally with the decision to end your marriage, you still face the challenge of legally dissolving your relationship before you can fully move on. Lehi Utah Legal Separation and DivorceIn a legal separation, you and your spouse are no longer living with each other, but you are still legally married. A legal separation typically requires you and your spouse to negotiate a Separation Agreement that covers many of the points also brought up during a divorce. These points include: The conditions negotiated in a legal separation can be revisited, and a new Separation Agreement can be created to accommodate changes in each spouse’s life. Of course, if one of you wishes to get married to another person, a full divorce must be filed for and made official before this can happen. If there are enough mutual advantages to staying legally married, you and your spouse could consider a legal separation rather than a divorce. Grounds for Divorce Lehi UTGrounds for divorce refer to the laws that govern whether a person qualifies for a divorce or not. In the US, every state has its own statutes regarding what constitutes legal grounds for divorce. There are two types of grounds for divorce: fault and no-fault. A fault divorce is just how it sounds—one person blames the other person for the failed marriage. Fault divorces are often based on claims of marital infidelity, domestic violence, or criminal activity by one spouse. A fault divorce is also sometimes called a contested divorce as it typically involves greater conflict between the married couple, particularly when it comes to the negotiation of how to divide their co-owned property and assets. It is highly recommended that you consult with a divorce lawyer if you are taking part in a fault divorce. What Should I Do Before Filing for Divorce In Lehi Utah?If you are filing for a no-fault divorce, you and your spouse should discuss the details and reach an agreement on the key issues before filing your divorce papers. These key issues involve answering some or all of the following questions: How Do I File for a No-Fault Divorce in Lehi Ut?Filing for divorce refers to the process of creating your divorce papers and submitting them to a clerk at the appropriate county courthouse. Couples who agree on the key negotiation points of their breakup (financial, custody, etc.) can opt to create papers for an uncontested divorce by downloading and working through the relevant forms for their state/county of residence, or by using an online service that specializes in creating personalized divorce papers. The divorce forms you’ll need are usually available for download from your state’s government website, or on a separate state courts website. You can use this online tool from the US Government to look up contact information for your state government. Once you have filled out the forms (using the documents and information you gathered beforehand), you must submit the forms at a county clerk’s office, sometimes referred to as a clerk of the court. This office is typically found in a courthouse located in your county of residency. There is a filing fee which must be paid at the time you file your divorce papers. Even in a no-fault divorce case, only one spouse is permitted to file the divorce papers. Copies of the divorce papers must then be given to the other spouse in a process called “serving divorce papers.” In most cases, you are not permitted to serve divorce papers to your spouse yourself; you must have someone like a friend, relative, or coworkers do it. In some cases, the divorce papers can be delivered to your spouse via certified mail. The other option for creating and filing papers for an uncontested divorce is to use an online service. These services are similar to those used to help you to file your income tax returns online. Using an online service automates much of the process for you, making it easier and quicker to create your divorce papers. In some cases, the service providers may even be able to file your divorce papers online as well, saving you a trip to the county courthouse. Financial And Legal Advantages To Filing Before Your SpouseIn the world of sports, there are demonstrated advantages and drawbacks to serving first, receiving first, batting first and the like. The pros and cons are analyzed against the strengths and weaknesses of each player or team, and after the coin toss, coaches either make the most of having the upper hand, or compensate for being at a disadvantage. It’s all about being in the best position to win. In some ways, things are similar in divorce. Even though you may not see the dissolution of your marriage as something to “win” or “lose,” as a Divorce Financial Strategist, I can tell you there are ways to position yourself for the best possible financial advantage . . . and ways that can lead to financial disaster. For example, if you’re preparing to divorce, you may be wondering if you’d be better off filing before your husband does. Let’s consider some of the potential advantages. When you file first: • Your divorce team can be lined up in advance, and without interference: Achieving the best possible outcome from a divorce requires a team of qualified experts on your side. Filing first means you can take the time to interview and retain the right people. You know you’ll need an excellent divorce attorney, and in financially complex divorces, it’s also essential to have an experienced divorce financial planner on your team. Being able to interview/consult attorneys first can also protect you from the possibility that your husband could “conflict out” the best lawyers in your area. All he’d have to do is meet with each one just long enough to establish an attorney-client relationship, after which they would be prohibited from representing you. Lehi Utah Divorce DecreeA divorce decree is a court document that is a final judgment from divorce court. It contains information about your case, including spousal support, child support, custody, visitation, property division, and other information. Most divorce decrees are thorough and contain all of the agreed-upon information in your case, such as who is responsible for getting life and health insurance, if the wife can take her maiden name again, and how you will divide your debt. Only a court can issue a divorce decree. You receive it at the end of your case. If your case went to trial, your divorce decree will indicate the terms of the judge’s decision and will act as a judgment that both parties must obey. If you didn’t go to trial but settled your case instead, the divorce decree will contain the terms of the settlement. The decree still acts as a final judgment, but you and your former spouse have decided upon the terms of your own divorce without the court’s input. Settling your case takes the decision out of the hands of the judge so long as the decision is not outrageous or one-sided. If it’s one-sided, the judge will usually intervene to help you work out the terms of your settlement. Where to Get a Copy of Your Divorce Decree in Lehi UtahIf you want a certified copy of your divorce decree months or years after your divorce, you can usually get it at the courthouse in the court clerk’s office. Some states have divorce decrees in the county clerk’s office, so you will need to check with your state. Usually only people who were parties in the divorce, or their lawyers, can pick up the decree. A divorce certificate is a completely different document from a divorce decree. A certificate is not prepared by a court. Instead, your state’s health department or bureau of vital statistics issues the certificate. This is usually the same place where you get your birth certificate. Lawyer for Divorce LehiWhen you need to get divorced and you live in Lehi Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
4.9 stars – based on 67 reviews
Ascent Law St. George Utah OfficeAscent Law Ogden Utah OfficeThe post Divorce Lehi first appeared on Michael Anderson. via Michael Anderson https://www.ascentlawfirm.com/divorce-lehi/ If you own a business, chances are you have had to deal with the Department of Occupational and Professional Licensing otherwise known as DOPL. DOPL issues and supervises licenses for various trades including, massage therapists, plumbers, electricians, contractors, hair stylists, psychologists, etc. It seems that now days every trade needs a license from DOPL so that individuals can have the privilege of a making a living. It seems like a screwed up world where someone has to have a license from the government in order to do basic things like build a house, but that’s how it is and the need for a Utah DOPL lawyer. Licensing, Renewals, and Disciplinary ActionContact a Utah DOPL lawyer for your hearing. If you are facing disciplinary proceedings with DOPL for some indiscretion committed in your past you may want to consider having an attorney present with you through all the DOPL proceedings. Your license is at stake and without that license you may be out of the job. Protecting Your Professional LicenseA professional license represents the culmination of years of perseverance and sacrifice. It carries with it not only the key to your livelihood but a new world of responsibilities. For many professions, these responsibilities are governed and enforced by the Utah Division of Occupational and Professional Licensing (DOPL). DOPL is a Utah state agency tasked with the licensing, investigation, and regulation of roughly 60 different professions within the state. From plumbers and dieticians to funeral directors and midwives, DOPL acts as gatekeeper and watchdog in an effort to preserve the legitimacy and integrity of dozens of professions. And these are, without a doubt, valuable functions, both to consumers and to professionals within these fields. But a DOPL inquiry represents a challenge not only to your competency and judgment but also to your very livelihood. At worst, your professional license could be revoked. But even a suspension or a public reprimand can have serious repercussions for your professional reputation. Once a complaint has been filed with DOPL, it goes through a preliminary review. That review results in one of three findings: (i) no violation; (ii) violation, but beyond DOPL’s jurisdiction or authority; (iii) or violation within DOPL’s jurisdiction or authority. The first finding is, of course, the best outcome for a professional against whom a complaint has been made. When there is a finding of no violation, the file is closed and no public reporting of the matter occurs. The second finding generally does not end the matter. DOPL may pass the matter along to the appropriate authority to investigate, or DOPL may issue a letter of concern regarding the matter to the professional involved. A letter of concern will bring the issue to the professional’s attention, and it will give the professional a chance to respond. A letter of concern is not public, and it is not a disciplinary action. However, a letter of concern on file with DOPL may have an effect on DOPL’s determination on any future complaint. The third finding will trigger a more in-depth investigation by DOPL. At what point the professional is notified depends on the individual investigation. Depending on what the evidence shows, one of a few different types of hearings will be called. These are administrative hearings, as DOPL generally functions under the Utah Administrative Procedures Act. The hearings usually take the shape of a mini-trial. In every instance, the professional will have an opportunity to be heard, and to tell his or her side of the story. Navigating administrative procedures even the “informal” ones can be perilous. And your story and personality can get lost in the shuffle. License Requirements in UtahUtah licenses both security officers and security agencies. The Division of Occupational and Professional Licensing (DOPL) recognizes three types of security officer: unarmed, armed, and armored car. Requirements include background check, training, and assessment. The state also sets standards for qualifying agents: professionals who are responsible for the operations of security companies; these professionals may be proprietors or managers. Qualifying agents must meet examination and experience requirements. The qualifying agent and other managers and major shareholders are fingerprinted. Requirements for Unarmed Security Officers in UtahProspective security officers must meet eligibility and training requirements. A prospective security officer will be denied licensure based on a felony, a misdemeanor that involves moral turpitude, or another crime that, when the duties of a security officer are taken into account, indicates that licensure would not be in the public interest. Disqualifying crimes are referenced in state rule. Other disqualifiers include chemical dependency, habitual drunkenness or having been declared incompetent by a court of competence (unless competence has since been restored). The prospective guard will need to complete a Division-approved training program, consisting of required subjects and electives. How A Felony Affects A Nursing License Application In UtahThe Utah Legislature has taken a hard line against registered nurses who are convicted of felonies. In fact, even a felony plea in abeyance has serious adverse consequences to applying for a nursing license in Utah. Under Utah statutes, a nursing license is conditional on a criminal background check. When a nurse applies for a license through the Department of Occupational and Professional Licensing (DOPL), the applicant must disclose any and all criminal convictions and pleas. A plea in abeyance (an agreement between the state and the defendant where a guilty or no contest plea is taken but not entered as a conviction and then ultimately dismissed if the terms of the agreement are met) also must be disclosed on the application. If a criminal background check is run and it is found that the applicant did not disclose a conviction or plea, the application is automatically denied. A conviction for or a plea to a violent felony disqualifies an applicant from getting a nursing license. If the nurse is attempting to renew a license, DOPL cannot renew or issue a license to the nurse. A non-violent felony conviction or plea will result in disqualifying the applicant for five (5) years from the date the terms of probation or abeyance are completed. That means that if an applicant enters into a plea in abeyance for something like insurance fraud and the abeyance term is for 36 months, the applicant cannot apply until five (5) years have passed after the end of the 36 month period, so a total of 8 years! If a licensed nurse commits a nonviolent felony and then attempts to renew the license, DOPL will determine if the offense disqualifies the nurse under Utah Code 58-1-401. If your license or application is denied, you may be able to appeal your case, but there is no guarantee that your appeal will be successful. When it comes to your career though, you have to fight and take advantage of every possible procedural avenue available to you. How to Get a Contractor’s License in UtahIf you’ve tried to get your contractor’s license in Utah before, you know it’s an involved process. From the pre-license courses to the contractor’s exam, there’s a lot to figure out. Unlike other states, acquiring your contractor’s license in Utah is a bit more complicated, so it’s essential to know exactly what steps you need to take to get the license you need. Requirements To Becoming A Licensed Contractor In UtahBefore you can start applying for your contractor’s license, you need to verify that you meet all the requirements. Let’s take a look at them in detail. How to Renew a Driver’s License in UtahIf you live in the state of Utah and carry a driver’s license, you will have to renew the license every five years. You should renew your license before it expires to avoid becoming an unlicensed driver and getting a traffic ticket. Renewing a driver’s license in Utah can be conveniently done online. The Department of Public Safety limits the online renewal service to those who have already verified their identity with the Driver’s License Division. If you are eligible, the Utah Department of Public Safety has a website for you to input information to complete the process. You will need a PIN number to complete the online renewal. Once you go to the website, follow the step-by-step instructions to complete the renewal process. Utah has a convenient way to schedule your driver’s license appointment online so that no time is wasted when going in to renew at the DMV location nearest to you. You can utilize the Utah Driver’s License Division scheduler on the public safety website, choosing an appointment time convenient for you. On the website, you choose what type of service you would like to utilize, answer a few questions, and choose your appointment time. The Importance of Fighting Criminal Charges If You Have An Occupational LicenseHard working professionals charged with misconduct could face significant losses in their employment, income, well-being and the ability to support their families. Professional Occupational Misconduct In UtahAll occupational practitioners are required to answer to their licensing board when criminally charged. In many cases, the sanctions issued by the board are harsher than those issued by the court. If you are facing a disciplinary action with the Utah DOPL or Division of Occupational and Professional Licensing, an expert attorney must be consulted. Whether facing suspension, revocation or a disciplinary hearing, it is important to find professional legal counsel. Issues surrounding the charges are carefully examined and recommendations are provided for an effective defense. The role of the DOPL in Utah is to investigate all claims of misconduct against certified occupational practitioners. A case evaluation that is followed by disciplinary action involves severe penalties. The revocation of license, hefty fines, and suspension are among the possible outcomes. Even if you are issued a warning from the DOPL, it will remain in your records. Such citations could easily jeopardize future career and employment opportunities. It hinders your professional capacity and can affect your reputation with your professional peers. Any form of the criminal charge made against an occupational professional must be carefully assessed by attorneys who specialize in this area. Do not fail to seek legal counsel before facing the board. It is better to prevent such charges from having a permanent mark on your records than attempt to fight it later. Your defense attorney assists in negotiations between clients and the DOPL. To strengthen individual cases and protect occupational rights, your attorney will thoroughly investigate all allegations. Attorneys in Utah aim to negotiate the charges that are filed against practitioners. The legal system fully assesses the claims made by all parties involved. Many occupational professionals are able to continue their practice and avoid the revocation of their license. A significant criminal charge made against a certified occupational practitioner can have serious implications, from loss of licensing to loss of reputation and compromised future employment. Avoid the harsh and often, unnecessary board penalties issued by the DOPL with reliance on the expertise of skilled and knowledgeable occupational defense attorney Utah DOPL AttorneyWhen you need a Utah DOPL Lawyer, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
4.9 stars – based on 67 reviews
Small Business Requirements For The Federal Government What To Do If You’re Behind On Taxes? Ascent Law St. George Utah OfficeAscent Law Ogden Utah OfficeThe post Utah DOPL Lawyer first appeared on Michael Anderson. via Michael Anderson https://www.ascentlawfirm.com/utah-dopl-lawyer/ |
ABOUT USDivorce Lawyer in Orem, Utah. If you need divorce and bankruptcy lawyer, child custody, adoption or family law attorney who does child custody, father’s rights, divorces and family law that cares about you, your family, your case, and is aggressive, call 801-676-5506 now for a free consultation for divorce in Orem, Utah can be tough, so you need a smart divorce lawyer who can help you today. Call 801-676-5506 for the top divorce and bankruptcy attorney in Orem, Utah now. Archives
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