Offering Clients Domestic and Global Representation
The Stibbs Co. transactional legal team serves a broad range of domestic and international business clients on key commercial transactions.
We assist companies in all stages and aspects of a business:
- Ensure that a business is in compliance with local and international business laws
- File forms for each step from the formation to the dissolution of a business
- Review and write contracts
We are proud to offer clients the in-depth experience and knowledge needed to handle demanding business transactions while maintaining our best-in-class commitment to customer service.
From general business issues to international transactions, practical advice and a deal maker attitude bring successful results.
General Business Transactions handled by our legal team include:
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What Is Business Law? – Definition & Overview
Business law is a broad area of law. It covers many different types of laws and many different topics. This lesson explains generally what business law is and how it’s used.
Definition of Business Law
Business law encompasses all of the laws that dictate how to form and run a business. This includes all of the laws that govern how to start, buy, manage and close or sell any type of business. Business laws establish the rules that all businesses should follow. A savvy businessperson will be generally familiar with business laws and know when to seek the advice of a licensed attorney. Business law includes state and federal laws, as well as administrative regulations. Let’s take a look at some of the areas included under the umbrella of business law.
Starting a Business
Much of business law addresses the different types of business organizations. There are laws regarding how to properly form and run each type. This includes laws about entities such as corporations, partnerships and limited liability companies. For example, let’s say I decide to start my own pet grooming business. I need to decide what type of business I want to be. Will this be a partnership? Will it be a sole proprietorship? What papers do I need to file in order to start this business? These questions fall under the laws that govern business entities. which are state laws. The type of entity I pick will also affect how I pay my federal income taxes. These, of course, are federal laws.
Next, what will my business be called? Let’s say I decide on Barks Bubbles as a name for my dog grooming company. Now I need to know if anyone else already has that name. This is a trademark question. Patents. copyrights and trademarks are part of intellectual property law. The federal law governs most intellectual property law. Then I need to know if I’ll require any special type of license for this business. Do groomers need a license? Am I allowed to have animals on my property, or do I need some sort of special permit? I’ll need to check my local and state laws to find out. How will I advertise my business? Am I allowed to say that I’m the ‘best in town?’ This question falls under consumer protection law. which can be federal or state law. Wow. That’s a lot of business law, and I’m not even open for business yet!
Buying a Business
Now let’s say I decide to buy a business instead. I’m going to buy Patty’s Pampered Pooches from my Aunt Patty. There are many business laws that govern how to buy a business. If I buy Patty’s business, do I now own the actual store? This is a real estate law question. Do I own the pet grooming equipment in the store? This is a property law question. Both of these fall under state law. Am I now the boss of Patty’s employees? This is an employment law question.
Can I start hiring my own employees and ordering supplies? This will involve contract law. since I’ll be making new agreements with people regarding my business and determining which of Patty’s agreements I need to uphold. Contracts are legally binding agreements made by two or more persons, enforceable by the courts. Businesses are involved in many different types of contracts, and as a result, there are many interesting cases involving breach of contract. A breach of contract is when one party doesn’t hold up his or her end of the bargain. It’s common for parties to dispute the terms of a business agreement or disagree on how the agreement should be performed.
For instance, consider the famous case of Locke v. Warner Bros. Inc. Sondra Locke was a longtime girlfriend of Clint Eastwood. When the two broke up, Locke sued Eastwood for support. As a part of their settlement, Eastwood negotiated a contract for Locke with Warner Bros. Locke was given a director’s contract, where Warner Bros. would pay Locke for any projects she directed or produced. Locke proposed more than 30 projects, but Warner Bros. never hired her. She sued Warner Bros. for breach of contract, saying that Warner Bros. never intended to hire her in the first place. After a court ruled that Locke had enough evidence to proceed with her case, the parties settled.
This case demonstrates the importance of making good contracts. A wise businessperson will be sure to enter contracts with a good understanding of the content and a good faith interest in upholding the contract.
Managing a Business
There are many laws that concern managing a business because there are many aspects involved in managing. As you can already see, running a business will involve a lot of employment law and contract law. For my new business, I’ll need to know how to hire, what my contracts should look like, what kind of benefits I have to provide, how to pay employee insurance and taxes and even how to properly fire an employee. Many of these employment and benefit laws are federal laws and regulated by government agencies. For example, the Equal Employment Opportunity Commission is a federal agency that enforces employment discrimination laws.
If I also decide to sell things as part of my pet grooming business, like dog collars or dog treats, then I’ll need to be familiar with the laws on sales. For businesses that conduct sales, it’s especially helpful to be familiar with the Uniform Commercial Code. or UCC. This publication governs sales and commercial paper and has been adopted in some form by almost all states.
What happens if I provide services but have trouble getting paid? Let’s say I groom several dogs for Victor’s Vet, but he won’t pay my bill. Can I demand payment or report him to the credit reporting agencies? This is a debt collection law question. Debt collection laws are mostly federal laws. For instance, many of our debt collection laws are found in the Fair Debt Collection Practices Act, or the FDCPA, which is enforced by the Federal Trade Commission.
What happens if Victor just didn’t like my services? Let’s say Victor accuses me of purposely sabotaging his chances at a national dog show by giving his poodle a bad haircut. Can Victor sue me? And, if so, will his lawsuit be against me personally, or will it be against my Barks Bubbles business entity? This scenario falls under tort law. Torts are private, civil actions for wrongful deeds. Tort law is usually state law. This is an extensive area of the law and includes things like work injuries and negligence claims.
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Kendall County Criminal Defense, Divorce – Family Law Attorneys #law #firm, #law #office, #legal
About Self and Russleburg Yorkville And Aurora Offices · Decades Of Combined Experience
Experienced Attorneys In Kendall County And Kane County, Illinois
If you are getting a divorce, involved in a change of custody or struggling with another family law issue, every decision you make could prove critical for your future. If you are facing a criminal charge, the outcome can impact nearly every aspect of your life. It is vital to get focused, knowledgeable legal counsel as early in the process as possible.
Clear, Practical Legal Guidance And Results-Driven Representation
At Self & Russelburg, LTD. a long-standing law firm with offices in Yorkville and Aurora, Illinois, we want you to be fully informed and effectively represented every step of the way. Between our two partners, our clients receive personal attention from lawyers with decades of wide-ranging legal experience. Your attorney will help you consider the issues and paths to resolution. We prepare thoroughly, negotiate strategically and provide strong, dynamic advocacy in the courtroom.
Dedicated To Educating Our Clients And Protecting Their Futures
Family law and criminal defense are the primary areas of focus for our trial-proven legal team. Clients turn to us for clear, detailed information on the law and determination to earn the best possible results in matters such as:
- Divorce at any level of conflict and complexity, including cases in which child custody and spousal maintenance are intensely disputed
- Post-divorce issues/conflicts, including pursuit of child support changes, maintenance continuation or termination, and representation of either parent in complex child relocation cases
- Misdemeanor and felony criminal cases across the spectrum from driving under the influence (DUI) and drug charges to murder and other violent offenses
Family Law Divorce. Child Custody & Support, Spousal Maintenance/Alimony. Allocation of Property.
Criminal Defense DUI and Traffic Violation, Illinois DUI Issues, Felony DUI Offenses, Misdemeanor & Felony Charges.
Our Attorneys Family Law And Criminal Defense Representation· Prepared For Any Challenge
California Repossession Law: What To Expect And How To Avoid It
Last updated April 15, 2016.
When a creditor comes to repossess your car. boat, or other property, do you know what to do? Here s what you need to know about California repossession law.
When can a creditor repossess my property in California?
Creditors generally retain the right to repossess the property you acquire with a purchase money loan. The most common example is an auto loan. so we’ll use that throughout the article. Keep in mind that the same applies to any property that is collateral for a loan. So, you borrow money to buy a car and the car secures the debt. If you stop paying, the lender can reclaim the property. It may choose to sue and get a judgment against you, but it’s not required as long as the repossession is peaceful.
In California, the lender may repossess your car as soon as you default on the loan, even if the payment is just one day late. The specific terms of your loan agreement may give you a grace period, so read it carefully. West’s Ann. Cal. Com. Code §§ 9601, 9609. In addition, the lender is entitled to repossess after default of any kind on the loan agreement. That means that not only is your car at risk if you miss a payment or pay late, but if you break another term of the loan agreement. For example, auto loans require that you keep the car insured. If you allow your insurance to lapse, your lender has the right to repossess.
You don’t have to be present for the lender to repossess your car. They can take the property from any publicly accessible area, including your driveway. However, a repossession agent can’t break into your house or into a locked or fenced area without permission from the legal owner of the property (you or your landlord).
Of course, just because the lender has the right to repossess doesn’t necessarily mean that it will do so. It’s much easier and cheaper for the lender if you simply continue to make your payments. They’ll only act to repossess if they believe that you’re not going to pay or that you’ll destroy the collateral.
Who can repossess property?
In California, two different types of individuals may repossess your car. First, your lender may hire a repossession agency. Repossession agencies must be licensed by the California Department of Consumer Affairs’ Bureau of Security and Investigative Services (BSIS). They must show you a BSIS ID if you ask for it. You can verify the license online or call BSIS at (916) 322-4000. An employee of the legal owner (probably the bank or the dealership) may also repossess the property; they don’t have to be licensed by BSIS.
After repossession, you ll have to pay for the storage of any personal items left in the car and some lone agreements may require you to pay the costs of repossession and storage of the car itself.
How can I avoid repossession?
If you honor the all of the terms of your loan agreement, the lender cannot repossess your car. If you default on one or more terms, you are at risk for repossession. There are, however, steps you can take to prevent it.
Reinstate the Loan
If you’ve missed one or more payments, the best option is pay all of the missed payments and all applicable late fees at once. This is called “reinstating the loan” or “curing the default.” Your loan agreement may or may not include provisions for reinstatement, but California law protects your right to reinstate the loan even after repossession, until the property is sold or otherwise disposed of. If you falsified information on your loan agreement, hid the car, used it to commit a crime, damaged the vehicle, or threatened violence against the repossession agent, you lose the right to reinstate the loan. In addition, you can only reinstate a loan once every 12 months and a maximum of twice over the course of the loan.
Contact Your Lender
If you can’t afford to pay all of your missed payments and late fees at once, you may reach out to your lender to ask for other options. Repossession is time consuming and expensive and many lenders will be willing to work with you to avoid that option. You may be able to negotiate a longer grace period or a lower interest rate, which will make payments easier.
Sell the Property
You may choose to sell the car yourself. If your car is repossessed, the lender will dispose of it at auction. If the car sells for less than you owe, you’re liable for the difference. If you organize a private sale, you’ll probably get a better price than you would at auction. Selling the car may be difficult, though. It will require the approval of your lender and they can refuse the sale for any reason or no reason at all. However, you may be able to use the lender’s refusal to protect yourself from liability for the deficiency if they receive less at auction than your private buyer offered.
Surrender the Property
You can also choose to surrender the car. You still lose it, but you may be able to negotiate a surrender as full payment of the loan. Then you won’t have to worry about a deficiency after the auction.
Refinance Your Loan
You can offer to refinance through the original lender or through a different lender. A refinanced loan will usually have a longer term, which means you’ll be paying more interest overall. If you choose to refinance, make sure that you can afford your new loan. Make sure it has a lower interest rate than your current one and don’t forget to check the fees. Consider also whether it’s worth refinancing. A new loan may last three to five years or more. If your car is already older, it may not be worth refinancing.
File for Bankruptcy
If you’re having trouble with more than one loan, bankruptcy may be a good option for you. When you file for bankruptcy, you get the protection of the automatic stay. The automatic stay stops all collection actions against you – including repossession. The bankruptcy process will give you some time to organize your finances without worrying about waking up and finding your car has been repossessed. Most debtors can keep their cars and other property through bankruptcy. In addition, you may only have to repay the loan up to the value of the car rather than repaying the full amount of the loan. Bankruptcy is a serious measure for serious debt problems, so reach out to an experienced bankruptcy attorney to discuss whether it’s the right choice for you. If you car has been repossessed, but not yet sold at auction, you still can get the vehicle back through a Chapter 13 bankruptcy .
Don t let repossession take you by surprise.
Whenever you take out a loan, read the entire agreement carefully and make sure you understand everything in it. It will include details about a grace period and the steps your lender will take if you miss payments. If you are going to fall behind on your payments, start considering your options for avoiding repossession. The earlier you act, the easier it is to keep your car.
If you have missed several payments on your loan and are facing property repression, contact one of our experienced attorneys at Borowitz Clark. We have years of experience helping thousands of consumers successfully resolve their financial issues.
Staten Island Accident Lawyer Personal Injury Attorney Law Firm – #bisignano, #bisignano #law #firm,
Let a Local Law Firm with a National Reputation for Handling Serious Injury Cases represent you to make the highest recovery for your accident case.
If a serious accident has left you or a loved one injured or bereaved, you need a team of personal injury lawyers who are experienced in fighting for the compensation you deserve and who have the tradition of excellence in bringing your case to a successful resolution.
You need the The Bisignano Law Firm. We are a Staten Island and New Jersey boutique law firm that concentrates in recovering the highest possible settlements and damages awards to compensate injured accident victims for pain, suffering and economic losses. We are able to provide our clients with the legal services and state of the art resources of a large law firm while still maintaining a high level of personal attention and care.
The founding Partner, Anthony Bisignano, Esq. has been helping injured persons find justice for over twenty-five years. Over the course of his career as a distinguished personal injury lawyer, Mr. Bisignano has become known in professional circles around Staten Island and the tri-state area as an accident attorney who is dedicated in taking on corporations, insurance industry giants, or highly complex cases. He has a history of making million dollar recoveries on behalf of his seriously injured clients. In fact, his peers recognize his skills and accomplishments on behalf of clients by consistently designating him as a Super Lawyer a distinction only 5% of area attorneys can claim.
Our personal injury lawyers offer free consultations. If you chose to retain our services, we will never ask you for any payment until we bring your case to a successful conclusion that includes a recovery for damages. Because we work on a contingency basis, we see ourselves as your partner, and we are motivated to pursue the highest recovery possible on your behalf. When our personal injury attorneys win your case, we are compensated from the money awarded to you by the offending party or insurance company. We cover expenses associated with your case upfront and are reimbursed from your gross recovery at the end of the case. We never ask you for money out of your pocket. In other words, your economic situation does not prevent you from hiring our highly-respected team of lawyers.
If you need the assistance of an accident lawyer, call us today. You are welcome to visit us at our Staten Island or New Jersey offices. If you are unable to travel, we will make arrangements to come to you. We will be happy to speak with you about the merits of your case and give you all the information you need to move ahead with confidence. We look forward to the opportunity to pursue justice on your behalf and give you hope for the future.
Anthony Bisignano was voted in multiple years by his peers to be a Super Lawyer, a distinction given to only 5% of lawyers in the area. [Read More ]
MesoSettlements.com: Take Action Before It’s Too Late
Mesothelioma is a life threatening disease which is caused due to prolonged exposure to asbestos fibers. MesoSettlements.com is an informational website to educate, research and support patients and family members of asbestos-related lung cancer and other illnesses.
Mesothelioma: Do you really need to be concerned about it?
Mesothelioma is a very serious disease that develops as the result of direct exposure to asbestos. Long used in construction and automotive materials, asbestos is now known to be a toxic substance that is directly linked to lung diseases and other body cancers. Simply put, asbestos exposure is the primary cause of mesothelioma. There is no other known substance that causes mesothelioma to develop with such proven cause and effect data.
Asbestos dust enters the body primarily through inhalation into the lungs. Once inside the body, the tiny fibers become implanted into the surrounding tissue. Over time, the irritation and inflammation caused by these types of asbestos fibers can develop into cancerous tumors.
Asbestos was widely used in the United States from the 1940’s through the 1970’s. In addition, it has been proven that it can take anywhere from 10 to over 30 years for the mesothelioma symptoms to develop. As a result, it is often difficult for the victims of this condition to pinpoint the time and location of their exposure. Often times, a good asbestos cancer attorney can effectively do this research for you.
Because of the devastating effects of mesothelioma and other related-diseases, many victims have been able to seek legal action against the companies or employers who caused the asbestos exposure. Plaintiffs have been able to recoup not only the costs of their medical treatment, but have also received sizeable pain and suffering payments.
For Mesothelioma Patients:
Asbestos exposure is regarded as accountable for roughly 75% of cases of lung lining cancer.
If you have been diagnosed with asbestosis. pleural cancer, “asbestos lungs “, or mesothelioma, you may be entitled to a settlement of your own. It is important, however, to understand that the window for filing these law suits will be closing in the near future. If you feel that you are a victim of an asbestos-related illness and you wish to file a claim, finding the right mesothelioma lawyer is paramount.
Asbestos is a very harmful carcinogen which can cause mesothelioma, asbestosis, and also lung cancer. Asbestos testing labs can help you determine if materials you are exposed to contain any asbestos fiber.
Asbestos Exposure and Lung Cancer
Mesothelioma cancer is triggered by contact with asbestos materials or dust. Employees in the asbestos industry are the main targets for catching this deadly disease. Asbestos materials enter the body either by inhaling or ingesting small asbestos fibers or dust. This causes healthy cells to mutate into cancer cells. Since the body is not able to eliminate these materials, the lung area becomes inflamed, which is known as asbestosis. This problem often gets worse and finally becomes malignant.
Hire a Mesothelioma Lawyer:
Mesothelioma attorneys can help an individual from any state come to a maximum settlement so that the victim of mesothelioma and their family don’t have to bear all the costs of treatment and diagnosis alone. Look for asbestos attorneys or a an experienced mesothelioma law firm with proven success navigating the complicated legal framework of this field. California top asbestos lawyers. New York Asbestos Lawyers. Los Angeles, CA Mesothelioma Lawyers. Chicago, IL mesothelioma law firm .
Asbestos Testing Labs:
Asbestos testing is recommended for people who work around asbestos fibers. You can find asbestos testing labs, asbestos testing kits and also other asbestos testing services for asbestos companies and employees as well. California asbestos testing labs. Texas asbestos removal contractors. New York asbestos testing Labs. Illinois asbestos contractors .
Please browse our mesothelioma directory to learn more about mesothelioma. its treatment, and the legal options that are currently available for the victims of this disease.
In many states, the judicial system is prepared to act swiftly on the suits. The court clearly favors those patients whose health was compromised by the carelessness of employers. In most cases, courts have pushed defendants to respond to claims in a timely manner. These courts recognize the critical urgency necessary to compensate the seriously ill patient.
Mesothelioma is a Serious Condition.
There are no cases of mesothelioma that are not serious and life threatening. Mesothelioma can be excruciatingly painful and uncomfortable. These victims are often unaware of the health risks that companies have created with poor asbestos exposure prevention programs.
What you should do if you think you’ve had prolonged asbestos exposure:
Today, there are many protective practices that companies can implement to have asbestos removed from the workplace or to protect employees from exposure. Failure to take these actions is clearly dangerous and even malicious conduct. Courts are unsympathetic to their attempts at defense. Help yourself and your loved ones and consult with mesothelioma litigators as soon as a diagnosis is rendered.