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	<title>DeltaLawGrp.com</title>
	<link>http://www.deltalawgrp.com</link>
	<description>Delta Law Group</description>
	<pubDate>Thu, 01 May 2008 20:34:53 +0000</pubDate>
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		<itunes:summary>Delta Law Group</itunes:summary>
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		<title>The Claimant&#8217;s Attorneys Role in Workers Compensation Mandatory Mediation Process</title>
		<link>http://www.deltalawgrp.com/legal-matters/the-claimants-attorneys-role-in-workers-compensation-mandatory-mediation-process/</link>
		<comments>http://www.deltalawgrp.com/legal-matters/the-claimants-attorneys-role-in-workers-compensation-mandatory-mediation-process/#comments</comments>
		<pubDate>Wed, 27 Feb 2008 00:02:46 +0000</pubDate>
		<dc:creator>BDW</dc:creator>
		
		<category><![CDATA[Pittsburgh Legal Matters]]></category>

		<category><![CDATA[Act 401]]></category>

		<category><![CDATA[Delta Law]]></category>

		<category><![CDATA[Delta Law Group]]></category>

		<category><![CDATA[Pittsburgh Law Firm]]></category>

		<category><![CDATA[Workers Compensation]]></category>

		<category><![CDATA[Workers Compensation Mediation]]></category>

		<guid isPermaLink="false">http://www.deltalawgrp.com/legal-matters/the-claimants-attorneys-role-in-workers-compensation-mandatory-mediation-process/</guid>
		<description><![CDATA[Act 147 adopted in October 2006, amended the Act to include provisions for case management and mandatory mediation. Since the settlement conferences had become a common occurrence here in Western Pennsylvania, with regard to mediation, many asked the questions &#8220;what for?&#8221; Is there really a difference between a settlement conference and a mediation? Alternative dispute [...]]]></description>
			<content:encoded><![CDATA[<p align="justify">Act 147 adopted in October 2006, amended the Act to include provisions for case management and mandatory mediation. Since the settlement conferences had become a common occurrence here in Western Pennsylvania, with regard to mediation, many asked the questions &#8220;what for?&#8221; Is there really a difference between a settlement conference and a mediation? Alternative dispute tools have gained great popularity in the last few years, so where does this fit in to the workers’ compensation system.</p>
<p>Under section 401 of the new Act, mediation is defined as follows:</p>
<p><dir><dir>&#8220;a conference conducted by a workers’ compensation judge, but not necessarily the judge assigned to the actual case involving the parties, and shall require the attendance in person or by teleconference of all parties including the claimant and employer, and their respective counsel. The representative from the employer must have requisite authority to bring about settlement of the case or must have the ability to obtain said authority during the course of the mediation.&#8221;</dir></dir>The new Act then goes on in section 401.1 dealing with the new mandatory trial schedules, to provide: <dir><dir>Every trial schedule shall include a specific time and date for a mediation conference shall take place no later than 30 days prior to the date set for filing proposed findings of fact and conclusions of law or legal briefs or memoranda, unless, upon good cause shown, the workers compensation judge determines mediation would be futile.&#8221;</dir></dir>Mediation as a tool is generally understood to be significantly different than a settlement conference. The Uniform Mediation Act defines mediation as &#8220;<em>a process in which a mediator facilitates communication and negotiation between parties to assist them in reaching a voluntary agreement regarding their dispute</em>.&#8221; While often thought of as a tool for resolving cases and avoiding costly litigation, it is really a tool to resolve issues. Resolution of the case is often just the by-product of the issue resolution. Remove one or two major issues and the case can become very simple. Clearly the legislative intent of this provision was to expedite the adjudication of these cases.The question arises for the claimant, &#8220;Do I still need an attorney?&#8221; Despite the seemingly agreeable nature of the mediation, a claimant should still acquire the services of counsel. Preparation is key to an effective mediation, and that includes research into the potential legal issues that will arise in the case. Knowledge of the judge, doctors and other experts involved with the case is also important to analyzing your position. Finally, the insurance carrier will always be represented by counsel and so should you. Give the insurance company an opportunity to exploit you and they will.</p>
]]></content:encoded>
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		</item>
		<item>
		<title>Delta Law Group Featured On the National Law Marketing Portal</title>
		<link>http://www.deltalawgrp.com/legal-matters/delta-law-group-featured-on-the-national-law-marketing-portal/</link>
		<comments>http://www.deltalawgrp.com/legal-matters/delta-law-group-featured-on-the-national-law-marketing-portal/#comments</comments>
		<pubDate>Sat, 09 Feb 2008 00:34:30 +0000</pubDate>
		<dc:creator>BDW</dc:creator>
		
		<category><![CDATA[Pittsburgh Legal Matters]]></category>

		<category><![CDATA[Delta Law Group]]></category>

		<category><![CDATA[DeltaLawGrp.com]]></category>

		<category><![CDATA[Pittsburgh Virtual Law Firm]]></category>

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		<description><![CDATA[We were pleased to notice that the Law Marketing Portal, one of the top online resources for legal marketing, reprinted the Pittsburgh Post Gazette article on January 18th, 2008.  At this early stage in our history, it is an honor to be getting this type of attention. This outside attention from the top legal marketers [...]]]></description>
			<content:encoded><![CDATA[<p>We were pleased to notice that the Law Marketing Portal, one of the top online resources for legal marketing, reprinted the Pittsburgh Post Gazette article on January 18th, 2008.  At this early stage in our history, it is an honor to be getting this type of attention. This outside attention from the top legal marketers in the legal profession has us even more convinced that our virtual model represents something of value for our clients.   <a href="http://www.lawmarketing.com/pages/articles.asp?Action=Article&amp;ArticleCategoryID=13&amp;ArticleID=711">http://www.lawmarketing.com/pages/articles.asp?Action=Article&amp;ArticleCategoryID=13&amp;ArticleID=711</a></p>
]]></content:encoded>
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		</item>
		<item>
		<title>New Bankruptcy Guideline Figures</title>
		<link>http://www.deltalawgrp.com/legal-matters/new-bankruptcy-guideline-figures/</link>
		<comments>http://www.deltalawgrp.com/legal-matters/new-bankruptcy-guideline-figures/#comments</comments>
		<pubDate>Fri, 01 Feb 2008 14:53:54 +0000</pubDate>
		<dc:creator>BDW</dc:creator>
		
		<category><![CDATA[Pittsburgh Legal Matters]]></category>

		<category><![CDATA[Bankruptcy Chapter 13]]></category>

		<category><![CDATA[Bankruptcy Chapter 7]]></category>

		<category><![CDATA[Delta Law]]></category>

		<category><![CDATA[Delta Law Group]]></category>

		<category><![CDATA[DeltaLawGrp.com]]></category>

		<category><![CDATA[Pittsburgh Bankruptcy]]></category>

		<category><![CDATA[Pittsburgh Bankruptcy Attorney]]></category>

		<category><![CDATA[Pittsburgh Bankruptcy Lawyer]]></category>

		<guid isPermaLink="false">http://www.deltalawgrp.com/legal-matters/new-bankruptcy-guideline-figures/</guid>
		<description><![CDATA[The United States Department of Justice has released new Median Income Figures. This is the sixth time since the adoption of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) that the figures have been adjusted.The figures are applicable to all cases filed on or after February 1, 2008.For the Commonwealth of Pennsylvania, [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: 'Lucida Sans Unicode','sans-serif'; letter-spacing: -0.75pt">The United States Department of Justice has released new Median Income Figures. This is the sixth time since the adoption of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) that the figures have been adjusted.<o:p></o:p></span><span style="font-family: 'Lucida Sans Unicode','sans-serif'; letter-spacing: -0.75pt">The figures are applicable to all cases filed on or after February 1, 2008.<o:p></o:p></span><span style="font-family: 'Lucida Sans Unicode','sans-serif'; letter-spacing: -0.75pt">For the Commonwealth of Pennsylvania, new median income figures are as follows:<o:p></o:p></span><span style="font-family: 'Lucida Sans Unicode','sans-serif'; letter-spacing: -0.75pt">1 Earner - $43,166<br />
2 Persons - $50,628<br />
3 Persons - $63,491<br />
4 Persons - $76,182<o:p></o:p></span><span style="font-family: 'Lucida Sans Unicode','sans-serif'; letter-spacing: -0.75pt">$6,900 is to be added for each individual in excess of 4<o:p></o:p></span><span style="font-family: 'Lucida Sans Unicode','sans-serif'; letter-spacing: -0.75pt">The old figures were:<o:p></o:p></span><span style="font-family: 'Lucida Sans Unicode','sans-serif'; letter-spacing: -0.75pt">1 Earner - $41,971<br />
2 Persons - $49,226<br />
3 Persons - $61,733<br />
4 persons - $74,072<o:p></o:p></span></p>
]]></content:encoded>
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		</item>
		<item>
		<title>TV Appearance on WTAE&#8217;s Plugged In Show</title>
		<link>http://www.deltalawgrp.com/legal-matters/tv-appearance-on-wtaes-plugged-in-show/</link>
		<comments>http://www.deltalawgrp.com/legal-matters/tv-appearance-on-wtaes-plugged-in-show/#comments</comments>
		<pubDate>Thu, 17 Jan 2008 21:47:26 +0000</pubDate>
		<dc:creator>BDW</dc:creator>
		
		<category><![CDATA[Pittsburgh Legal Matters]]></category>

		<category><![CDATA[Delta Law]]></category>

		<category><![CDATA[Delta Law Group]]></category>

		<category><![CDATA[Pittsburgh lawyer]]></category>

		<category><![CDATA[Virtual Law Firm]]></category>

		<guid isPermaLink="false">http://www.deltalawgrp.com/legal-matters/tv-appearance-on-wtaes-plugged-in-show/</guid>
		<description><![CDATA[We were excited to share our new virtual law service with the TV audience this morning.  For those who might have missed it, the link is attached. 
WTAE&#8217;s Plugged In Show called Local Law Firm  Goes Virtual on January 17th, 2007 hosted by Ashley DiParlo.
 Let us know what you think.  The feedback thus far has been [...]]]></description>
			<content:encoded><![CDATA[<p>We were excited to share our new virtual law service with the TV audience this morning.  For those who might have missed it, the link is attached. </p>
<p>WTAE&#8217;s Plugged In Show called <a href="http://www.thepittsburghchannel.com/video/15070768/index.html?taf=pit">Local Law Firm  Goes Virtual</a> on January 17th, 2007 hosted by Ashley DiParlo.</p>
<p> Let us know what you think.  The feedback thus far has been very positive.   If you get a chance, visit our podcast page with a growing list of free legal topics.  We add at least one broadcast every week.  Let me know if there is a particular show you&#8217;d like us to do and I will likely find a local expert and do that show for you. </p>
<p>Again, thanks for all of your support. </p>
]]></content:encoded>
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		</item>
		<item>
		<title>Updated Bankruptcy Standards For Necessary Expenses, Housing and Utility Expenses</title>
		<link>http://www.deltalawgrp.com/legal-matters/updated-bankruptcy-standards-for-necessary-expenses-housing-and-utility-expenses/</link>
		<comments>http://www.deltalawgrp.com/legal-matters/updated-bankruptcy-standards-for-necessary-expenses-housing-and-utility-expenses/#comments</comments>
		<pubDate>Tue, 08 Jan 2008 15:34:25 +0000</pubDate>
		<dc:creator>BDW</dc:creator>
		
		<category><![CDATA[Pittsburgh Legal Matters]]></category>

		<category><![CDATA[]]></category>

		<category><![CDATA[Delta Law]]></category>

		<category><![CDATA[Delta Law Group]]></category>

		<category><![CDATA[Pennsylvania Bankruptcy]]></category>

		<category><![CDATA[Pittsburgh Bankruptcy]]></category>

		<category><![CDATA[Pittsburgh Chapter 13]]></category>

		<category><![CDATA[Pittsburgh Chapter 7]]></category>

		<category><![CDATA[Pittsburgh Debt Collection]]></category>

		<guid isPermaLink="false">http://www.deltalawgrp.com/legal-matters/updated-bankruptcy-standards-for-necessary-expenses-housing-and-utility-expenses/</guid>
		<description><![CDATA[Most individual debtors filing for bankruptcy relief are required to complete either Official Bankruptcy Form 22A or 22C (Statement of Current Monthly Income and calculations). Bankruptcy Form 22A is the form chapter 7 debtors will complete for “means testing” purposes; Form 22C is the form chapter 13 debtors will complete. [The Official Bankruptcy Forms can [...]]]></description>
			<content:encoded><![CDATA[<p><span class="apple-style-span"><span style="font-weight: normal; font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'"><font color="#000000">Most individual debtors filing for bankruptcy relief are required to complete either Official Bankruptcy Form </font><a target="_blank" href="http://www.uscourts.gov/rules/BK_Forms_08_Official/B_022A_0108f.pdf">22A</a><font color="#000000"> or </font><a target="_blank" href="http://www.uscourts.gov/rules/BK_Forms_08_Official/B_022C_0108f.pdf">22C</a><font color="#000000"> (Statement of Current Monthly Income and calculations). Bankruptcy Form 22A is the form chapter 7 debtors will complete for “means testing” purposes; Form 22C is the form chapter 13 debtors will complete. [The Official Bankruptcy Forms can be found on the Administrative Office of the U.S. Courts Web site.] </font></span></span><span class="apple-style-span"><span style="font-weight: normal; font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'"></span></span><span class="apple-style-span"><span style="font-weight: normal; font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'"></span></span><span class="apple-style-span"><span style="font-weight: normal; font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'"></p>
<p align="left">A debtor must enter income and expense information onto the appropriate form (<em>i.e.</em>, Form 22A or Form 22C)and then make calculations using the information entered. Some of the information needed to complete these forms, such as a debtor&#8217;s current monthly income, comes from the debtor&#8217;s own personal records. However, other information needed to complete the forms comes from the Census Bureau and the Internal Revenue Service (IRS).   Some of the allowable expense items required on Form 22A and Form 22C have been revised.   </p>
<p>Effective January 1, 2008, there are new National Standards for five necessary expenses: food, housekeeping supplies, apparel and services, personal care products and services, and miscellaneous. Those updated standards can be found on the <a href="http://www.irs.gov/businesses/small/article/0,,id=104627,00.html">Internal Revenue Service&#8217;s website</a>.   </span></span><span style="font-size: 18.5pt; color: #333333; font-family: 'Trebuchet MS','sans-serif'"><o:p></o:p></span><span style="font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'">Also on January 1, 2008, new standards take effect for Pennsylvania housing and utility expenses. The Pennsylvania standards can also be found on the on the <a href="http://www.irs.gov/businesses/small/article/0,,id=104836,00.html">Internal Revenue Service&#8217;s website</a>.  <o:p></o:p></span><span style="font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'">If the standards are not high enough to cover your actual budget then you will need to provide documentation as to what you really spend.<o:p></o:p></span></p>
]]></content:encoded>
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		</item>
		<item>
		<title>Expectation in Privacy With Your Computer</title>
		<link>http://www.deltalawgrp.com/legal-matters/expectation-in-privacy-with-your-computer/</link>
		<comments>http://www.deltalawgrp.com/legal-matters/expectation-in-privacy-with-your-computer/#comments</comments>
		<pubDate>Mon, 07 Jan 2008 22:44:13 +0000</pubDate>
		<dc:creator>BDW</dc:creator>
		
		<category><![CDATA[Pittsburgh Legal Matters]]></category>

		<category><![CDATA[Computer privacy]]></category>

		<category><![CDATA[Delta Law]]></category>

		<category><![CDATA[Delta Law Group]]></category>

		<category><![CDATA[Email Privacy]]></category>

		<category><![CDATA[Virtual Law Firm]]></category>

		<category><![CDATA[www.deltalawgrp.com]]></category>

		<guid isPermaLink="false">http://www.deltalawgrp.com/legal-matters/expectation-in-privacy-with-your-computer/</guid>
		<description><![CDATA[On October 15, 2004, Kenneth Sodomsky took his computer to a Circuit City store in Pennsylvania. A store technician, while working on the computer, saw files that “appeared to be pornographic in nature”. The police were called, the computer was seized, and Mr. Sodomsky was arrested.The trial court suppressed the search of the computer. An [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'">On October 15, 2004, Kenneth Sodomsky took his computer to a Circuit City store in Pennsylvania. A store technician, while working on the computer, saw files that “appeared to be pornographic in nature”. The police were called, the computer was seized, and Mr. Sodomsky was arrested.<o:p></o:p></span><span style="font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'">The trial court suppressed the search of the computer. An appeal was filed to the Pennsylvania Superior Court.<o:p></o:p></span><span style="font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'">The Superior Court said that Mr. Sodomsky gave Circuit City technicians access to the hard drive and that the technicians at Circuit City were testing the computer in a “commercially accepted manner.”<o:p></o:p></span><span style="font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'">The appeals court in December reversed the trial court’s suppression order and sent the case back for trial.<o:p></o:p></span><span style="font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'">In short, the Superior Court ruled that there was no expectation of privacy in the computer once it was left at the store to be worked on by the technicians. “If a person is aware of, or freely grants to a third party, potential access to his computer contents, he has knowingly exposed the contents of his computer to the public and has lost any reasonable expectation of privacy in those contents.” On December 19th, 2007, Mr. Sodomsky asked for reconsideration of the Superior Court decision.  No word as to whether reconsideration will be granted</span><span style="font-size: 11.5pt; color: #333333; font-family: 'Lucida Grande','serif'">.<o:p></o:p></span></p>
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		<item>
		<title>Delta Law Group Launches Lemon Law Practice</title>
		<link>http://www.deltalawgrp.com/legal-matters/delta-law-group-launches-lemon-law-practice/</link>
		<comments>http://www.deltalawgrp.com/legal-matters/delta-law-group-launches-lemon-law-practice/#comments</comments>
		<pubDate>Fri, 28 Dec 2007 16:10:32 +0000</pubDate>
		<dc:creator>BDW</dc:creator>
		
		<category><![CDATA[Pittsburgh Legal Matters]]></category>

		<category><![CDATA[]]></category>

		<category><![CDATA[Delta Law]]></category>

		<category><![CDATA[DeltaLawGrp.com]]></category>

		<category><![CDATA[Pittsburgh Lemon Law Attorney]]></category>

		<category><![CDATA[Pittsburgh Lemon Law Lawyer]]></category>

		<guid isPermaLink="false">http://www.deltalawgrp.com/legal-matters/delta-law-group-launches-lemon-law-practice/</guid>
		<description><![CDATA[Delta Law Group is proud to announce we now offer Lemon Law legal services.  Our attorney has  practiced in the lemon law field for many years.  He is one of the few local lawyers who focusses much of his practice in Lemon Law work in Western Pennsylvania.   Delta Law Group is Pennsylvania&#8217;s first virtual law firm located at www.deltalawgrp.com.  Please [...]]]></description>
			<content:encoded><![CDATA[<p>Delta Law Group is proud to announce we now offer Lemon Law legal services.  Our attorney has  practiced in the lemon law field for many years.  He is one of the few local lawyers who focusses much of his practice in Lemon Law work in Western Pennsylvania.   Delta Law Group is Pennsylvania&#8217;s first virtual law firm located at <a href="http://www.deltalawgrp.com/">www.deltalawgrp.com</a>.  Please visit our website for more information.</p>
]]></content:encoded>
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		<item>
		<title>Recent Zoning Law Decisions</title>
		<link>http://www.deltalawgrp.com/legal-matters/recent-zoning-law-decisions/</link>
		<comments>http://www.deltalawgrp.com/legal-matters/recent-zoning-law-decisions/#comments</comments>
		<pubDate>Thu, 20 Dec 2007 21:32:52 +0000</pubDate>
		<dc:creator>BDW</dc:creator>
		
		<category><![CDATA[Pittsburgh Legal Matters]]></category>

		<category><![CDATA[Delta Law Group]]></category>

		<category><![CDATA[Legal Blog]]></category>

		<category><![CDATA[Pittsburgh Real Estate Attorney]]></category>

		<category><![CDATA[Pittsburgh Real Estate Law]]></category>

		<category><![CDATA[The Delta Law Show]]></category>

		<category><![CDATA[www.deltalawgrp.com]]></category>

		<category><![CDATA[zoning]]></category>

		<guid isPermaLink="false">http://www.deltalawgrp.com/legal-matters/recent-zoning-law-decisions/</guid>
		<description><![CDATA[The Pennsylvania Supreme Court ruled in Fernley v. Board of Supervisors of Schuylkill Township that when a zoning ordinance fails to allow a for a legitimate land use in the community, the local government must justify why the use is not permitted. If the municipality or borough cannot do so, exclusionary zoning exists. If a [...]]]></description>
			<content:encoded><![CDATA[<p style="margin: 0in 0in 0pt; line-height: 200%; text-align: justify" class="MsoNormal"><font face="Times New Roman">The Pennsylvania Supreme Court ruled in <em>Fernley v. Board of Supervisors of Schuylkill Township</em> that when a zoning ordinance fails to allow a for a legitimate land use in the community, the local government must justify why the use is not permitted. If the municipality or borough cannot do so, exclusionary zoning exists. If a landowner proves exclusionary zoning, then he or she is entitled to relief.<span>  </span><span> </span></font><font face="Times New Roman">The Allegheny County Court of Common Pleas said in <em>Lamar Advertising Co., v. Forward Township Zoning Hearing Board</em>, that Forward Township did not permit billboards anywhere in the Township, and no legitimate reason existed for the exclusion. Therefore, Lamar was entitled to site-specific relief and permitted to place erect their billboard. </font></p>
<p style="margin: 0in 0in 0pt; line-height: 200%; text-align: justify" class="MsoNormal"><font face="Times New Roman">If you are a land owner and are facing a zoning ordinance, you may be entitled to receive a legitimate reason for your exclusion from your local Township..  If you are facing a zoning ordinance, you should contact a real estate attorney to evaluate your situation versus the current state of the law.   </font></p>
<p style="margin: 0in 0in 0pt; line-height: 200%; text-align: justify" class="MsoNormal"><font face="Times New Roman">            </font></p>
<p> <!--EndFragment--><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"><span style="word-spacing: 0px; border-spacing: 0px 0px; -khtml-text-decorations-in-effect: none; -apple-text-size-adjust: auto; orphans: 2; widows: 2"></span></span></span></span></span></span></span></span></span></span></span></p>
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		<title>Possible Changes to Bankruptcy Rules Involving Mortgages</title>
		<link>http://www.deltalawgrp.com/legal-matters/possible-changes-to-bankruptcy-rules-involving-mortgages/</link>
		<comments>http://www.deltalawgrp.com/legal-matters/possible-changes-to-bankruptcy-rules-involving-mortgages/#comments</comments>
		<pubDate>Mon, 17 Dec 2007 04:56:37 +0000</pubDate>
		<dc:creator>BDW</dc:creator>
		
		<category><![CDATA[Pittsburgh Legal Matters]]></category>

		<category><![CDATA[Delta Law Group]]></category>

		<category><![CDATA[foreclosures]]></category>

		<category><![CDATA[Legal Blog]]></category>

		<category><![CDATA[Pittsburgh Bankruptcy]]></category>

		<category><![CDATA[Pittsburgh Bankruptcy Attorney]]></category>

		<category><![CDATA[Pittsburgh Bankruptcy Law]]></category>

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		<description><![CDATA[According to www.mortgagenewsdaily.com “the u.s. house judiciary [committee] signed off on [11/12/07] on a bill designed to help certain bankrupt homeowners stay in those homes.  The highly controversial bill, which faces significant bi-partisan opposition on the floor, is yet another piece in a crazy-quilt of government and mortgage industry attempts to curtail rising foreclosures and [...]]]></description>
			<content:encoded><![CDATA[<p>According to <a rel="nofollow" href="http://www.mortgagenewsdaily.com/"><strong><font color="#05688f">www.mortgagenewsdaily.com</font></strong></a> “the u.s. house judiciary [committee] signed off on [11/12/07] on a bill designed to help certain bankrupt homeowners stay in those homes.  The highly controversial bill, which faces significant bi-partisan opposition on the floor, is yet another piece in a crazy-quilt of government and mortgage industry attempts to curtail rising foreclosures and stem the collapse of lending and lenders.</p>
<p>The bill, a substitute version of the Miller-Sanchez “emergency homeownership and mortgage equity protection act of 2007&#8243; allows bankruptcy courts to change the terms of some existing mortgages to the benefit of the homeowner.</p>
<p>Check out the ongoing and updated dialogue on this topic in our bankruptcy <a href="http://www.deltalawgrp.com/public-forum/">Public Forum </a>page.</p>
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		<title>Professional Negotiators:  Going Into Battle Without A Weapon!!</title>
		<link>http://www.deltalawgrp.com/legal-matters/professional-negotiators-going-into-battle-without-a-weopon/</link>
		<comments>http://www.deltalawgrp.com/legal-matters/professional-negotiators-going-into-battle-without-a-weopon/#comments</comments>
		<pubDate>Mon, 19 Nov 2007 14:33:56 +0000</pubDate>
		<dc:creator>BDW</dc:creator>
		
		<category><![CDATA[Pittsburgh Legal Matters]]></category>

		<category><![CDATA[Credit Reports]]></category>

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		<guid isPermaLink="false">http://www.deltalawgrp.com/legal-matters/professional-negotiators-going-into-battle-without-a-weopon/</guid>
		<description><![CDATA[Some people who have been sued in local courts recently will first find out about the case by receiving a letter from what appears at first to be a law firm.  However, if you receive one of these letters, you will soon discover that it is sent by a non-lawyer debt negotiator.  Many of these [...]]]></description>
			<content:encoded><![CDATA[<p>Some people who have been sued in local courts recently will first find out about the case by receiving a letter from what appears at first to be a law firm.  However, if you receive one of these letters, you will soon discover that it is sent by a non-lawyer debt negotiator.  Many of these services specialize in consumer debt, like credit cards and home mortgages. They can be amply described in three words: dangerous, dangerous and dangerous!</p>
<p>Why would anyone hire a professional debt negotiator instead of a lawyer in such a serious situation?  When the complaint arrives, a responsive pleading must be filed within twenty days, unless an extension is granted.  If no responsive pleading is filed and no extension is granted to file within that time, a ten-day notice may be issued under the Rules of Civil Procedure, followed by a default judgment.  The whole case can thus be over, with a complete victory for the plaintiff, in about month after service. </p>
<p>With the clock ticking, hiring someone to negotiate a settlement who cannot legally prepare and file an answer makes little sense.  Lawyers can and do negotiate settlements every day.  But many attempts at negotiation fail, especially when one party believes that it has a strong upper hand.  So the defendant is forced to hire a lawyer at the last minute – provided he is even aware that default judgment may be imminent.</p>
<p>Professional negotiators sell their services on the dubious basis that they know exactly how much to offer because they deal with similar creditors every day. They imply that they have some kind of cabalistic knowledge and that you or I, poor fools, would leave money on the table because we didn’t know the secret number.  This dubious proposition ignores the obvious fact that negotiation is a test of power and they don’t have much.  Every lawyer knows that a litigant often makes an unappealing settlement offer from the comfort zone of the office.  He or she will only become truly motivated as the moment of truth draws perilously close – sometimes minutes away in the courtroom.  Debt negotiators, who might be likened to warriors without weapons, can never make that moment of truth happen.</p>
<p>The law has come a long way in developing methods like private arbitration, mediation and conciliation as alternatives to expensive litigation.  These methods often do work. But part of the reason is that the conflict can ultimately be resolved by force.  Speaking softly may be an effective negotiating technique, but doing so while leaning on a big stick is still the approved method.</p>
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