Robert T. Healey, Esq.

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Employment Background Reports and the Fair Credit Reporting Act

Posted by on Jan 14, 2013 in credit reporting, Robert T. Healey | 0 comments

When most people think of fair credit laws like the Fair Credit Reporting Act (“FCRA”), they tend to only think of credit reports from the Big Three credit reporting agencies, Trans Union, Experian and Equifax. However, the FCRA is broader than that.  It protects consumers from inaccurate reports sold to their employers or potential employers. Increasingly, employers are using consumer reports to screen job applicants and make promotion decisions in all types of industries, from banking to trucking and food service. These reports are referred to as “employment reports” or “background screening reports.” They contain information about a consumer’s past work history, criminal record history, public records and other information. Unfortunately, like traditional credit reports, employment reports are often riddled with errors that can cause a person to be denied a potential job, or even to lose an existing one. The damage can be very significant, especially in a tight job market.

Fortunately, the FCRA regulates both the companies that sell employment reports and the employers who use them. The law protects consumers in the following ways:

  • It requires that employment reports meet the standard of maximum possible accuracy;
  • It requires consumer reporting agencies to give consumers contemporaneous notification when an employment report contains negative information;
  • It requires employers to notify consumers when a job is denied or terminated due to an employment report;
  • Permits consumers to dispute inaccurate information in an employment report.

If you have been victimized by an inaccurate employment report or an inaccurate screening report, contact Healey Law, LLC, and Bob Healey will walk you through the process.  The primary goal is to get a copy of the inaccurate report which was sold to the employer and send a dispute right away.

For a free consultation, contact Bob Healey at (314) 401-3261 or info@healeylawllc.com.

 

Bob Healey is a licensed attorney and principle with Healey Law, LLC, a full-service St. Louis law firm, specializing in handling cases for accident and injury victims, injured workers, and consumers who have been abused or mistreated by debt collectors, banks, mortgage companies and credit reporting agencies. With 4 convenient locations in Chesterfield, Downtown St. Louis, North County (Bridgeton near DePaul Hospital) and South County (on Tesson Ferry across from St. Anthony’s Hospital) the attorneys at Healey Law, LLC have over 25 years of experience representing clients in the State and Federal Courts in both Missouri and Illinois.  For more information visit:  http://www.healeylawllc.com

Debt Collector Robocalls To The Wrong Cell Phone Number – A New Case from the Seventh Circuit Court of Appeals

Posted by on Jun 21, 2012 in Debt Collection, Robert T. Healey, robocalls | 0 comments

Recently, I wrote an article which discussed the issue of debt collector liability for auto-dialed or robo-calls from an automatic or predictive dialer pursuant to the Telephone Consumer Protection Act (TCPA).  You can review this article here:

http://healeylawllc.com/what-you-should-know-about-unwanted-robo-calls-to-your-cell-phone/

After publishing that article, I received many inquiries, and some of them set forth the following scenario:  an individual signs a new cell phone contract and receives a new cell phone number.  Shortly thereafter, that same individual begins to receive autodialed or robo-calls from debt collectors all day every day directed to someone of whom the new cell phone subscriber has never heard and whose identity the new subscriber does not know.  It is likely that this unknown person used to have a cell phone contract for that same phone number and gave consent to his or her creditors express to contact him or her on that cell phone number.  The question in those circumstances becomes does the prior consent of the old subscriber protect that debt collector from liability for making robo-calls to the new subscriber without the new subscriber’s consent.  The debt collectors argue that in these circumstances the “called party” should be identified as the party it was intending to call and not the party it actually called.

Recently, the United States Court of Appeals for the Seventh Circuit was confronted with this issue, and, in my view, made the correct ruling.  It stated that for purposes of the TCPA, the “called party” is the party who was actually called and not the party which the debt collector intended to call.  See more discussion about this case here:

http://blogs.wsj.com/law/2012/05/11/the-daily-writing-sample-predictive-dialers-and-enchanted-buckets/

You can also read the opinion here:

http://scholar.google.com/scholar_case?q=soppet+and+enhanced+recovery+company+7th+Circuit&hl=en&as_sdt=2,26&case=16092022347995701653&scilh=0

The important thing to remember for you is that if you have a new cell phone number and you are repeatedly receiving calls from debt collectors or telemarketers which are intended for someone else, you might have a valid claim for damages pursuant to the Telephone Protection Act TCPA).  Remember that the TCPA imposes a penalty of $500 per attempted call and up to $1,500.00 per call if the attempted calls were knowing or willful.  If you think this is happening to you, a family member or friend, you should contact a consumer advocate in your area.

Bob Healey is a licensed attorney and principal with Healey Law, LLC, a full-service St. Louis law firm, specializing in handling cases for accident and injury victims, injured workers, and consumers who have been abused or mistreated by debt collectors, banks, mortgage companies and credit reporting agencies. With 4 convenient locations in Chesterfield, Downtown St. Louis, North County (Bridgeton near DePaul Hospital) and South County (on Tesson Ferry across from St. Anthony’s Hospital) the attorneys at Healey Law, LLC have over 25 years of experience representing clients in the State and Federal Courts in both Missouri and Illinois.  For more information visit:  http://www.healeylawllc.com

What Can You Do When Someone Else’s Bad Credit Information Ends Up in Your Credit File

Posted by on May 29, 2012 in Credit Files, credit reporting, Law Firm, Robert T. Healey | 0 comments

The Headaches Caused by Mixed Credit Files

With all of the technology available in today’s world, one has to wonder how false and inaccurate information ends up in his or her credit file.  When defaulted credit card debts or Court Judgments or unpaid medical debts which are not yours show up in your credit file or credit report, the result is turmoil, stress, and the loss of your good name and reputation as a trustworthy consumer who pays his or her bills on time.  It can also have devastating effects on your financial future.  Here is a quick glance at how this happens, what to look for, and what to do if it happens to you.

Three major credit reporting agencies in the US – Experian, Equifax, and TransUnion more or less hold your financial welfare in their hands.  They hire vendors to collect information (including court-ordered judgments) then distribute that information to loan officers, potential employers, insurance companies and other entities with whom you hope to conduct business.  The information these agencies report about you and your credit history can have direct and profound consequences for you.  For example, if you are looking to purchase a car or a home and you need a loan in order to complete the transaction, the bank or potential lender will request your credit file from one or all three of these credit reporting agencies and make its decision regarding your loan application based on the information shown in your credit file, and it will assume that information is accurate, even if it is inaccurate.

If incorrect information has mixed into your credit file, it is likely that the credit history of someone with the same or similar name as you or with similar identifying information to you such as date of birth or social security number has been included in your credit file. This dynamic can also occur when you have a father and a son with the same name, one a Jr. and one a Sr., and their credit information gets mixed.  For a detailed report about mixed credit files and the heartache they cause to their victims, note this excellent report from the Columbus Dispatch:

http://www.dispatch.com/content/stories/local/2012/05/09/badjudgments.html

Once the derogatory information of another individual is mixed into your credit file, the process of getting it removed is difficult, complicated and oftentimes frustrating.  The first step is to obtain a copy of your credit report.  The law requires that Trans Union, Experian and Equifax provide you with a copy of your report for free one time per year.  There are many companies which advertise on television, radio and the internet  that  offer services which claim that they will provide your credit reports “for free.” However, I recommend that you avoid those services.  The best way to access your credit report is the old-fashioned way: through the regular mail.  While it is takes more time to receive it, you typically received a more complete copy of your report when you order it via regular mail, and you don’t have to agree to any terms or conditions in order to access the report.  This can be important later on, as the on-line terms and conditions oftentimes include an agreement to submit any claims or causes of action against the Credit Reporting Agencies to arbitration.  Click here to access the form you need to use in order to request your credit report by mail.

If you are more comfortable with the idea of accessing your report on-line, you should go to www.annualcreditreport.com to obtain a copy your report.  It is an interactive website, and you will actually get your report for free at that website with no solicitation for other services.

Once you have your report, you should review it and highlight all of the inaccurate information.  The process of getting it corrected is complicated, as it is dictated by the Fair Credit Reporting Act (FCRA).  Your disputes should be sent in writing via certified mail with return receipt requested and not made via either the telephone or the internet.  The disputes should provide as much detail as possible and any documents which support your claim should be included with the written dispute.  Frankly, given the difficulties associated with making the dispute and following up as necessary, you should confer with an experienced consumer advocate in order to determine your best strategy once you have discovered that you have a mixed credit file problem.

Bob Healey is a licensed attorney and principal with Healey Law, LLC, a full-service St. Louis law firm, specializing in handling cases for accident and injury victims, injured workers, and consumers who have been abused or mistreated by debt collectors, banks, mortgage companies and credit reporting agencies. With 4 convenient locations in Chesterfield, Downtown St. Louis, North County (Bridgeton near DePaul Hospital) and South County (on Tesson Ferry across from St. Anthony’s Hospital) the attorneys at Healey Law, LLC have over 25 years of experience representing clients in the State and Federal Courts in both Missouri and Illinois.  For more information visit:  http://www.healeylawllc.com

Debt Collection and the Law – Know Your Rights

Posted by on May 1, 2012 in Debt Collection, Law Firm, Robert T. Healey | 0 comments

You owe money to a debt collection agency or debt collector; you need to know what they can and cannot do in order to collect the money which they are trying to collect.   You have an obligation to pay what you owe, and the debt collectors have an obligation to follow the law and not harass you at home or at work when they are trying to collect money from you.

The Fair Debt Collection Practices Act (FDCPA) applies to those who collect debts owed to creditors for personal, family and household debts. These include car loans, mortgages, charge accounts and money owed for medical bills. A debt collector is someone hired to collect money you owe, or entity which has purchased your alleged debt from the original creditor after it has gone into default.

Within five days after a debt collector first contacts you, the collector must send you a notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you don’t owe the money.

If you believe you don’t owe the money, or if you believe the amount being asserted as due is overstated or is otherwise incorrect, you should send a letter to the debt collector disputing the debt and requesting information which proves that the debt is owed (this is normally called requesting validation or verification).  Once you have requested validation, the debt collector is not supposed to engage in further collection activities until it provides the validation information.   The FDCPA also prevents debt collectors from engaging in other activities such as:

Contacting you at unreasonable times; for example, before 8 a.m. or after 9 p.m., unless you agree;

Contacting you at work if you tell the debt collector your employer disapproves;

Contacting you after you write a letter telling them to stop; and

Contacting friends, neighbors, or relatives in an effort to collect a debt from you.

When a debt collector calls you or leaves a message on your voicemail, it has to identify the name of the agency he or she represents, and make it clear that he or she is a debt collector attempting to collect a debt.   In addition, a debt collector is prohibited from making false and deceptive statements in an attempt to collect a debt and from using profane or abusive language during the course of any conversation which you may have with him or her.

The FDCPA is a consumer protection law which can be extremely helpful to those who are struggling with the bills.  If a debt collector violates any of the provisions of the FDCPA it can owe up to $1,000.00 for what is known as statutory damages and for actual damages when applicable.  It is also what is known as a fee shifting statute which means that if a debt collector violates the FDCPA when trying to collect a debt it has to pay your reasonable attorney’s fees in addition to your damages.  If you think you are being harassed or abused by debt collectors about one or more of your debts, you should contact an attorney who specializes in handling cases on behalf of consumers.

Bob Healey is a licensed attorney and principal with Healey Law, LLC, a full-service St. Louis law firm, specializing in handling cases for accident and injury victims, injured workers, and consumers who have been abused or mistreated by debt collectors, banks, mortgage companies and credit reporting agencies. With 4 convenient locations in Chesterfield, Downtown St. Louis, North County (Bridgeton near DePaul Hospital) and South County (on Tesson Ferry across from St. Anthony’s Hospital) the attorneys at Healey Law, LLC have over 25 years of experience representing clients in the State and Federal Courts in both Missouri and Illinois.  For more information visit:  http://www.healeylawllc.com.

The Dos and Don’ts When Injured in A Car or Truck Accident

Posted by on Apr 10, 2012 in Accident Attorney, Personal Injury Attorney | 0 comments

If you are in a serious car or truck accident, you will benefit by having an attorney represent you for your own damages. The insurance companies representing the driver who caused the accident and your damages have an army of well-trained experts who know the law much better than you do, and who will use this unequal knowledge for the benefit of their employer.  No matter what he or she says, the insurance adjuster is not your friend.  He or she will try to convince you that you don’t need a lawyer, but you should ignore these phony promises.  The adjuster is an advocate for his employer, the insurance company.  You need an experience personal injury attorney to be your advocate.  What sort of things do you need to do in relation to your personal injury claim and what shouldn’t you do?

If you’re involved and/or injured in a motor vehicle accident, it is important to keep in communication with your insurance company.  Here are some dos and don’ts to remember throughout the process:

Dos:

  • If the accident is serious and you suffered an injury, be sure and call the police and file a report.  Before the officer leaves, request the report number so you may obtain a copy for yourself as soon as it becomes available.
  • Review the Coverage and Exclusion sections of your own insurance policy so you have a clear understanding of the coverage that’s available to you through your own insurance.  These could include something known a medical payments coverage which will provide reimbursement for some or all of your medical expenses or underinsured motorist coverage which would provide extra coverage in the event that the driver who caused the accident and injuries has minimal or inadequate coverage.
  • Be sure you understand the difference between replacement coverage or cash value coverage.  Having replacement coverage allows you to replace lost items at current costs, whereas cash value coverage does not.  Don’t make a settlement for actual cash value until you have determined that you do not have replacement coverage available to you.
  • Take pictures, where possible, of your injuries and the damage to your vehicle.
  • Keep detailed notes, including names, titles, dates and times of all conversations with insurance companies and their representatives.
  • Organize and keep track of all receipts and invoices for anything regarding your claim and any recovery time needed to heal from your injuries.  You should maintain this practice up until you make the final settlement with any insurance company.

Don’t’s:

  • Do not give a recorded or written statement to any other party’s insurer until you completely understand your coverage.  You are not required to ever provide the insurance company with a recorded statement.  If you’re confused or unsure by what the insurance company is requesting, you should consult an attorney.
  • Don’t allow your insurer, or any other insurance carrier to give you legal advice.  Only a licensed attorney will know all the current laws that affect the statutes in your state, limits of your losses, as well as, punitive damages, pain and suffering, etc.
  • Don’t accept the initial estimate of your losses as represented by your insurer.  Many times injured parties accept the advice of the insurance estimator, or repair person’s judgment of replacement estimates, which most times are somewhat low.
  • Never sign a release or waiver of any kind until you’ve spoken with an attorney.  Necessity, due to a difficult financial situation created by your injuries or loss, may make it seem necessary to make a settlement prematurely.  Once you sign a release, even if you remember additional losses, or have additional problems due to the original injuries, you may find you have no additional rights to coverage.  Consult an attorney before signing and be sure you thoroughly read any fine print on any payments you receive from the insurance company.
  • Don’t accept a check that indicates a ‘final payment’ until you are settling all aspects of your claim.
  • Remember that your insurer has a legal obligation to provide the coverage promised to you within the policy guidelines.  Be persistent and insist that they meet their obligations.  This is especially true with respect to medical payments coverage.  It is not uncommon for your own insurance agent to try and convince you to pass on valid claims which you may have pursuant to your own policy.  If you have medical payments coverage, you are paying an additional premium every month so that you have this coverage in the event that you are injured in an accident irrespective of whether the accident was your fault or not.

Bob Healey is a licensed attorney and principle with Healey Law, LLC, a full-service St. Louis law firm, specializing in handling cases for accident and injury victims, injured workers, and consumers who have been abused or mistreated by debt collectors, banks, mortgage companies and credit reporting agencies. With 4 convenient locations in Chesterfield, Downtown St. Louis, North County (Bridgeton near DePaul Hospital) and South County (on Tesson Ferry across from St. Anthony’s Hospital) the attorneys at Healey Law, LLC have over 25 years of experience representing clients in the State and Federal Courts in both Missouri and Illinois.  For more information visit:  http://www.healeylawllc.com

What You Should Know About Unwanted Robo-Calls To Your Cell Phone

Posted by on Apr 4, 2012 in Accident Attorney, Personal Injury Attorney | 0 comments

You have probably experienced it yourself.  Your cell phone rings and the number on your caller ID is one you don’t recognize.  When you answer the phone, you are greeted with a few seconds of silence before a voice asks if you if you are Mr. or Ms. Whoever.  These kinds of calls are placed on your cell phone through the use of an auto-dialer, and it’s likely that the call is coming from either a telemarketer or a debt collector.  What you might not know is that these kinds of calls are oftentimes illegal, and that the agencies placing these automated calls to your cell phone might be liable to you for damages.

Congress enacted a law known as the Telephone Consumer Protection Act (TCPA) in 1991.   At that time, Congress had concluded that unwanted automated calls to cell phones were a nuisance and invasion of privacy, and decided that banning these types of calls was the only effective way of protecting consumers from this nuisance and privacy invasion.  The only exception to this rule is if the consumer voluntarily provides his or her cell phone number to the business or entity using the auto-dialer.

In the context of calls from credit card companies, collection agencies or debt collectors, the law is clear:  none of these entities can call you on your cell phone through the use of an auto-dialer, unless it has prior express consent from you.  In addition, the TCPA puts the burden of proving this consent on the caller.  If you provided your cell phone number in your original application with the service provider or creditor, or if you voluntarily fill in your cell phone number when you make an on-line payment or you update your personal information on the payment remittance form when you mail in your monthly payment, or you leave a recorded message inviting the service provider or creditor to call you back on your cell, you will have provided the required consent.  In addition, if you voluntarily provide the cell phone number to a creditor, you are deemed to have given both the creditor and any collection agencies it retains in the future the requisite consent.

If you have never voluntarily provided any kind of consent to the entity placing the unwanted autodialed calls to your cell phone, or if you have previously revoked that consent, that entity is liable to you for damages.  The TCPA imposes a significant penalty of $500.00 per attempted call on those entities which violate it.  Given the fact that autodialed calls end up going unanswered and/or ignored and in most cases no robo-voice is left on your voice mail, it may seem to you as if you did not receive a significant number of calls.  However, you should know that when an auto-dialer is used to call a cell phone number by a debt collector, the debt collector’s call notes will oftentimes show a large number of calls (75-150) over a 3 to 4 month period of time.  In those situations, the consumer has a significant claim for damages.

In many cases, the creditor, debt collector or collection agency does not obtain the cell phone number with the consumer’s consent.  Creditors and bill collectors use what is known as a skip-trace to obtain your cell phone number or by using a software program which captures your cell phone number when you use it to call that entity about some issue.  If a credit card company or its representatives obtain your cell phone number in either of these manners, it does not have express consent to call your cell phone with an auto-dialer, and if it uses one to contact your cell phone after the number is obtained in this manner, you would have a valid claim under the TCPA against that entity

The TCPA is a law which can be very helpful to consumers.  If you feel that you are receiving unwanted automated calls on your cell phone from any entity which does not have express consent from you to call your that number, you should contact a consumer advocate immediately to discuss your claim.

Bob Healey is a licensed attorney and principle with Healey Law, LLC, a full-service St. Louis law firm, specializing in handling cases for consumers who have been harassed or mistreated by debt collectors, banks, mortgage companies and credit reporting agencies.  He also represents accident victims in personal injury claims and injured workers in workers compensation claims.  He is a member in good standing with the National Association of Consumer Advocates and the Missouri Association of Trial Attorneys. With 4 convenient locations in Chesterfield, Downtown St. Louis, North County (Bridgeton near DePaul Hospital) and South County (on Tesson Ferry across from St. Anthony’s Hospital) the attorneys at Healey Law, LLC have over 25 years of experience representing clients in the State and Federal Courts in both Missouri and Illinois.  For more information visit:  http://www.healeylawllc.com or contact Mr. Healey at bob@healeylawllc.com

Don’t Go Without an Attorney – Get What You Deserve If You’re Injured On the Job

Posted by on Jan 9, 2012 in Accident Attorney, Law Firm, Personal Injury Attorney, Robert T. Healey | 0 comments

If you have been injured on the job, there are many factors you must consider in order to be certain that your workers’ comp claim is accepted as compensable.  There are certain steps you should take and other things you should avoid in order to make sure that you get the benefits to which you are entitled after being injured at work.

Attorney Bob Healey of Healey Law, LLC has over 25 years of experience as an accident and injury attorney.  Contact us now to arrange your free consultation.

THINGS YOU SHOULD DO IF YOU ARE INJURED ON THE JOB

Make sure you report the accident to your immediate supervisor as soon as possible after it takes place. Ask your supervisor to make a written report of the incident and give you a copy.

Be aware of the possibility that the insurance company will be monitoring your actions.  Those companies sometimes place surveillance on injured claimants, and they also monitor your social media accounts.  Your actions need to match the injury status which you claim to have.

Consult with an attorney at the earliest practicable time.  Employers and the companies which insure them have significant expertise about the workers compensation process.  If you proceed with your claim without the assistance of an experienced workers’ compensation attorney, you will be at a significant disadvantage and you are not likely to receive the compensation to which you are entitled as a result of your on the job injury.

Keep all appointments with your doctors and physical therapists. If you cannot keep an appointment, call ahead of time and reschedule. The insurance company will try to suspend your weekly income benefits if you routinely miss your appointments.

THINGS YOU SHOULD NOT DO IF YOU ARE INJURED ON THE JOB

DON’T give a recorded statement to the insurance company without consulting an attorney first. What you say could jeopardize your claim. At Healey Law, LLC we can help you determine if a recorded statement is required, properly prepare you beforehand, and participate in the entire process.

DON’T seek medical treatment from any physician other than your authorized treating physician without first consulting an attorney.  In most instances the employer and its insurer are not obligated to pay for unauthorized medical treatment.

DON’T miss work unless your treating physician authorizes you to be off work.  If you don’t feel that you are capable of working after your treating doctor says you can return to work, you should report for work and make an honest attempt to perform your duties.  If you can’t do it, report your difficulties to your supervisor and ask to return to the treating doctor.

DON’T wait to hire an attorney.  The workers compensation system is a specialized and complicated area of the law.  You should not try to get through it without an advocate who has the expertise and experience to even the playing field with the insurance companies and their experts.

Call Bob Healey at Healey Law, LLC now at (314) 401-3261 to set up a free consultation or contact us at info@healeylawllc.com.

I am interested in hearing your stories and challenges with on the job injuries.  Please share your comments below.

 

Bob Healey is a licensed attorney and principle with Healey Law, LLC, a full-service St. Louis law firm, specializing in handling cases for accident and injury victims, injured workers, and consumers who have been abused or mistreated by debt collectors, banks, mortgage companies and credit reporting agencies. With 4 convenient locations in Chesterfield, Downtown St. Louis, North County (Bridgeton near DePaul Hospital) and South County (on Tesson Ferry across from St. Anthony’s Hospital) the attorneys at Healey Law, LLC have over 25 years of experience representing clients in the State and Federal Courts in both Missouri and Illinois.  For more information visit:  http://www.healeylawllc.com

How To Proceed With A Personal Injury Claim

Posted by on Jan 3, 2012 in Accident Attorney, Law Firm, Personal Injury Attorney, Robert T. Healey | 0 comments

When someone has been injured in a car accident or wreck, that person might not know how to proceed with his or her personal injury claim. Here are a few “do’s” and “don’ts” that can help someone who has been injured move along with preserving their personal injury claim. If you have questions, please do not hesitate to contact our office for a free personal consultation.

DO’S and DON’TS

Things to do:

See your doctor. It is important that you immediately see your regular physician or emergency room doctor so that you can detail all of your physical injuries. If you are experiencing pain or discomfort you should go to an emergency room or urgent care facility in order to get started on the medical treatment that you will need. Make sure you tell your doctor or intake nurse each and every area of physical pain or injury.

Take photographs of the accident scene and those which will show your physical injuries. Photographs which show the injuries will help an insurance adjuster or jury understand the severity of your injuries. Photographing the accident scene helps preserve the evidence so that an insurance company or a dishonest defendant can’t manipulate their stories in an effort to defeat or deny your claim.

Call an experienced personal injury lawyer. Getting experienced trial counsel on your side early will allow the preservation of evidence and the collection of information to begin immediately. Please be extremely careful when hiring a personal injury lawyer and make sure you know the right questions to ask.

Notify your own insurance carrier about the accident. Your own insurance carrier may have coverage such as underinsured, uninsured, or medical payment benefits that can help cover your injuries. You will want to make sure they know immediately that you have been involved in an accident or wreck.

Keep notes or a journal which documents everything involving your claim including the extent of the pain you are experience and the nature of your recovery from the injuries you sustained. Having a journal or a series of notes provides an insurance adjuster or jury to know about the pain and suffering that you experienced, the doctors’ visits you have been to and any time from your job you have missed. These notes will allow the insurance company to fully understand the severity of your injuries. It will also help you keep track of any activities you have missed or particular pain you have experienced.

Things to avoid:

Don’t give a statement to anyone. Insurance companies, while acting like they are on your side, take statements to be used to destroy your case. The insurance adjustors who take these recorded statements are well-trained and skilled at putting words in your mouth and getting you to misstate or mischaracterize what actually happened in order to defeat or reduce the value of your claim. These statements can also be used against you in the event your case goes to trial. Giving a recorded statement to an insurance company can never help your claim.

Don’t sign an authorization. Signing an authorization gives the insurance company the authority to collect medical and employment records to which they are not entitled. If you are not represented by an attorney, you will have no idea about which of your records can be obtained and which cannot. Signing an authorization without first having legal counsel is never going to be in your best interest.

Don’t sign a release. Signing a release can permanently waive any claims that you may have. Even if they tell you the release is only for property damage, have an experienced trial lawyer review your release so that you are not signing away your rights to recover for your personal injuries.

Don’t take a chance, CALL (314) 401-3261 or contact us via email at info@healeylawllc.com, NOW, For a Free Personal Consultation. It’s the only way to be sure that your best interests are being considered.

Bob Healey is a licensed attorney and principle with Healey Law, LLC, a full-service St. Louis law firm, specializing in handling cases for accident and injury victims, injured workers, and consumers who have been abused or mistreated by debt collectors, banks, mortgage companies and credit reporting agencies. With 4 convenient locations in Chesterfield, Downtown St. Louis, North County (Bridgeton near DePaul Hospital) and South County (on Tesson Ferry across from St. Anthony’s Hospital) the attorneys at Healey Law, LLC have over 25 years of experience representing clients in the State and Federal Courts in both Missouri and Illinois. For more information visit: http://www.healeylawllc.com/

Welcome to Healey Law, LLC

Posted by on Nov 8, 2011 in Law Firm | 0 comments

On October 1, 2011 I started my own law office.  I am extremely excited about this change, and after working in my own practice for a little over a month, I find myself wondering why I didn’t make this move a long time ago.  I have never been more excited about all aspects of practicing law or about just getting up and going to the office every day.  I am aware of the risks involved for me and my family on a personal level, and I would be lying if I didn’t admit that these risks cause some anxiety from time to time, but those feelings are usually overwhelmed by my enthusiasm for this new endeavor and my determination to make it work.

My practice will be focused on representing accident and injury victims and distressed consumers who are being abused and bullied by banks, mortgage companies, debt collectors and credit reporting agencies.  In the weeks ahead I will be writing a weekly blog with my thoughts about each of these specific areas, but for this first blog, I thought it would be appropriate to share my approach to practicing law and the services which I can provide at Healey Law, LLC.

My approach to handling cases for my clients is to aggressively pursue their interests while providing honest and high quality service.  I believe that communication between the attorney and the client is of tremendous importance, and when you hire me you can rest assured that your phone calls will be returned and your emails will be answered.  You will receive timely updates when there are new developments in your case, and you will get direct and honest advice about the strengths and weaknesses of your case.  I believe in constantly studying the law and trying to improve my knowledge base in order to best serve the interests of my clients.  I joined the Missouri Association of Trial Attorneys and the National Association of Consumer Advocates so that I could access the resources of those excellent organizations in an effort to keep up with all new developments in these areas of the law.  I try to combine the new knowledge with 25 years of experience so that I can give my clients the best possible advice on their cases.

While my practice is focused on representing accident and injury victims and distressed consumers, I hope you will consider contacting me for all of your legal needs.  Through the years, I have gained experience in some other areas of the law, and I would like to have the chance to see if I can help you.  In addition, over the last 25 years, I have developed a strong network of friends and colleagues in the legal profession who specialize in other areas of the law.  If you have a legal problem or a case which is outside of my expertise, I will see to it that you are referred to an experienced attorney who you can trust and who will provide the same kind of service you would expect from me.

For more information about my new office, visit my website at www.healeylawllc.com.  I hope that things in your life go so well that you won’t ever need to hire a lawyer, but I also hope that if you find yourself needing a lawyer, you will give me a call.