Pierce & Shows, APLC

Baton Rouge Personal Injury & Bankruptcy Blog

Road rage: How to spot the signs

If you are like a number of other drivers in Louisiana and across the country, you have gotten irritated while waiting in traffic, especially if you are running late to work or an important appointment. Driving behind a slow motorist or in rush hour can be frustrating and it is easy for some people to lose their patience while behind the wheel. In some cases, road rage may take over, and the driver may start to engage in dangerous driving behaviors that could put others on the road at risk. According to AAA, nearly 80% of U.S. drivers admit to having experienced road rage in the past year. While males are more likely to engage in aggressive driving, women drivers are also to blame.

It is important to be on the lookout for aggressive drivers so that you can avoid becoming involved in a car accident. You may also help by reporting aggressive drivers to law enforcement officers so they can handle the situation. By alerting law officers, you may prevent an accident from occurring.

How can I prevent furniture tip overs?

One of the most dangerous accidents in a home is when a large piece of furniture or something like a television falls over on a child. Ensuring this does not happen in your home means taking some safety precautions. You want to make sure that everything in your home is safe for children and pets, who may also get injured due to their curious nature.

Nationwide suggests beginning with securing larger furniture and other items. For example, securing a television involves anchoring it to the wall with straps or brackets. Large furniture also needs secured to the wall. You can often find kits to do this. Some furniture may come with secure kits.

What to do after a car accident

At Pierce & Shows, we know that the aftermath of a motor vehicle accident can be overwhelming. Even if you are not hurt, you may feel a rush of adrenaline that can make it difficult to think clearly about what to do next. While we hope that you never need to put them into practice, we believe it is a good idea to remind yourself once in a while of the things you need to do following a car accident. 

One of the most important steps is to call 911. If there are serious injuries, the dispatcher can send an ambulance, and even in the absence of injuries, it is important to summon law enforcement to the scene and make an accident report. 

Louisiana car crash results in 6 injuries, 2 deaths

Authorities have not revealed the results of testing to determine whether alcohol or drugs were a factor in a fatal roadway accident in New Orleans that occurred as Mardi Gras celebrations were underway. The accident killed two bicyclists and injured six other people. 

One of the city's biggest Mardi Gras events, the Endymion parade, was happening not far away from the scene of the accident. A witness reports seeing a dark sports car hit three bicyclists, one male and two female, when the driver allegedly swerved into the bike lane while speeding to pass another automobile. Two of the bicyclists, the man and one of the women, died as a result of the collision. Authorities have yet to release their identities, but both were reportedly about 30 years old. 

How the bankruptcy means test determines Chapter 7 eligibility

As one of many people across Louisiana struggling with finances, you may be working through your options and trying to determine whether filing for bankruptcy might help you begin to dig your way out of debt. If you do decide to move forward with a personal bankruptcy and wish to do so with a Chapter 7 filing, you will first need to pass a bankruptcy means test. At Pierce & Shows, APLC, we recognize that the results of your bankruptcy means test will determine whether you can move ahead with a Chapter 7 bankruptcy. We have helped many people facing similar situations figure out whether a Chapter 7 bankruptcy or an alternative option might better suit their needs.

According to NerdWallet, those who take the means test and find out that they are ineligible for Chapter 7 bankruptcies may still be able to move forward with a Chapter 13 bankruptcy. While there are some key distinctions between the two types of filings, the main difference is that a Chapter 7 bankruptcy involves debt forgiveness, while a Chapter 13 involves restructuring your debts so you can pay back at least part of them.

Is bankruptcy your only option?

When facing a rising tide of debt and with little means to stay afloat, most people assume their only recourse is bankruptcy. However, there are other ways to handle financial problems.

The chief way is a “workout” which means that you “work out” your debt with your creditors. You and your creditors can agree on a way to make payments without the stigma and legal hoops of a formal bankruptcy.

When a car crash results in a TBI

Here at Pierce & Shows, APLC, in Louisiana, we represent numerous clients who have suffered catastrophic injuries in a motor vehicle accident. Consequently, we know that one of the worst injuries you can suffer in a car crash is a traumatic brain injury. Unfortunately, approximately 286,000 people suffer such an injury each year according to the Centers for Disease Control and Prevention.

The Mayo Clinic explains that a traumatic brain injury is one in which the crash impact makes your brain squish around in your skull due to the violent back-and-forth motion of your head. The resulting damage to your brain causes it to begin malfunctioning, possibly leaving you with a lifetime of debilitating symptoms that could make your continued employment impossible or even require you to receive constant care.

How secured debt is different than unsecured

If you are like most people in Louisiana, you have some type of credit or debt. This might be in the form of an auto loan, a student loan, a credit card or a home mortgage. You know that when you accept loans or credit, you have the obligation to repay any debt but you also know that there are situations which may arise that make that repayment difficult if not impossible. When this happens, it is important to assess your options and this includes having a good understanding of the two different types of debt.

As explained by The Motley Fool, the two types of debt you might have are called secured and unsecured. A secured debt is anything that is attached to some type of collateral that may be taken by a creditor in the event that you do not successfully repay the debt. Car loans are one type of secured debt. Unsecured debt is not associated with any type of collateral. Many credit cards are unsecured.

How does Chapter 13 work?

If you are one of the many people in Louisiana who is in need of help to manage your debt, you might be wondering if bankruptcy is right for you. When evaluating this option, it is important to know that there are multiple forms of consumer bankruptcy. Chapter 7 bankruptcy may be the most commonly known and used but there are times when a Chapter 13 might be the better option. One example is when you have a home or other assets that you do not want to lose.

As explained by the United States Courts, a Chapter 13 bankruptcy is essentially a form of organized debt consolidation and repayment. Instead of all of your debts being immediately discharged, you enter into an agreement to make payments to a trustee. The trustee then pays your creditors based on a plan negotiated with each one. A creditor might end up receiving less than the full amount owed but they still receive something instead of nothing.

The holidays are over, but their financial effects might not be

There are many things people here in Louisiana may be feeling now that the holidays have reached their conclusion. Unfortunately, not all of these feelings are happy ones. For example, some may be feeling regret or worry over their holiday spending.

Such feelings are relatively common, as is underscored by the results of a recent WalletHub survey. Of the respondents to this survey, 18 percent reported regretting a purchase made over the recent holiday season. Also, 37 percent said they overspent during this season.

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