The Society of Actuaries says that Americans are living longer. Statistically, half of all women and a third of all men who are in their 50s today will live to 90 years of age. Among married couples, there’s a 50-percent shot that one of the spouses will live to 92.
If you’re unhappy in your marriage, that’s a long time to be miserable. And indeed, as longevity trends upwards, more people in the Baby Boom generation are getting divorces. This trend is often referred to as “gray divorce” — divorce over 50.
The issues involved in a gray divorce can be different from other couples’ experience. Most people in their 50s no longer have small children to raise, so child support and custody recede as crucial issues. According to the American Academy of Matrimonial Lawyers, the top issues of dispute in gray divorces are:
- Division of retirement accounts and pensions
- Division of business interests
- Division of the family home and other real estate
That’s not terribly surprising. Recent research by the National Center for Family & Marriage Research at Bowling Green State University points to the fact that divorce after 50 could put ex-spouses behind when it comes to retirement security. Even dividing the family home may yield less than each spouse needs individually for a comparable living situation.
One tool that may help older divorcing couples is the reverse mortgage. We recommend seriously considering the option, but only after a serious discussion with your divorce attorney or a financial planner. No financial tool is right for everyone, and reverse mortgages may have downsides in your situation.
What could a reverse mortgage be used for in a divorce? Often, one member of the divorcing couple wants to remain in the family home but can’t afford to buy out the other spouse’s interest. If the spouse who wants the house qualifies, they could take out a lump-sum distribution from a reverse mortgage and use it to pay most or all of that buyout.
Whether you choose that path or sell the home and divide the proceeds, a reverse mortgage-for-purchase could allow one or both spouses to buy another home at a lower initial cost.
The reality is that divorce often entails a degree of financial loss as one household is divided into two. People who divorce younger have longer to recoup that loss. Older people who divorce have to find ways to reduce their monthly bills — and ideally, they should have some investments that provide cash income. In the right circumstances, a reverse mortgage may turn a monthly bill into a cash generator.
Accidents happen every day, at work, school or even while you are just strolling down the sidewalk in Buffalo. Often, they happen because of someone else’s negligence. When you suffer an injury because another individual was careless or reckless, like a distracted driver, you should not have to bear the burden of high medical expenses, lost damages and the repairs to your own vehicle. If the other driver had decided it was more important to text while driving, you would not have a broken arm, whiplash and a strained back.
After an accident caused by a driver that was negligent or reckless, many people choose to file a personal injury so that they can recoup the damages they suffered. If you are considering pursing a personal injury claim, then read further for information about the first steps in a claim.
Once you have received the appropriate medical aid for your injuries, it is time to prepare your case. Gather evidence about the accident. This includes photographs, your resulting medical records and bills, and witness statements. In addition, write down everything you can remember about the accident. Once you have sufficient evidence, it is time to send notice to the person against whom you will be filing the claim.
While there is not specific timeframe within which you must notify the defendant of the claim, it is typically best to take legal action as soon as possible. The longer you delay, the longer it will take to resolve your claim. Once you provide notice to the at-fault party or parties, then you can take your time with the negotiation and settlement process.
Filing a lawsuit
You will have to file your lawsuit within the time limits prescribed by New York’s statute of limitation laws. Your attorney will be able to advise you on the best time to file the suit so that you do so within legal time limits. If the settlement process seems to be dragging on and it seems like the other party is purposely delaying it, take it as a sign that it is time to file a lawsuit. However, keep in mind that if you wait too long and try to file outside the state’s statute of limitations, the court may throw out your case.
If you have suffered injuries due to a car accident with a negligent driver, you may need to file a lawsuit in order to recover all of your damages and expenses. As soon as you have sufficiently recovered from your injuries, it is time to start the process so that you can get the compensation you deserve.
People who violate the law on a fairly regular basis know authorities will probably catch up with them someday. As a result, the most strategic offenders—typically those who break the law to earn a living, whether by shoplifting, selling drugs, or engaging in prostitution—have a criminal defense lawyer on speed dial. But no one ever plans on needing a personal injury attorney, so many accident victims don’t know where to turn for representation.
When time is of the essence—and it always is following unanticipated injuries—finding the right attorney to represent you can seem overwhelming. But if you know the qualities to look for in an accident lawyer, narrowing down the options will be much easier. These qualities include:
- Relevant experience;
- A positive reputation;
- Integrity; and
- Trial experience.
If you were hurt in a preventable accident and need a law firm in New York that meets all of the above criteria, turn to LoTempio P.C. Law Group. Our compassionate personal injury attorneys have more than 200 years of combined experience in legal practice.
We are available 24 hours a day, 7 days a week to take your call. Dial 716-855-3761 to schedule a free consultation.
Read on to learn more about the qualities you should look for in a personal injury lawyer:
1. Relevant Experience
Personal injury law is a sweeping practice area that includes everything from medical malpractice and nursing home abuse to workers’ compensation and premises liability. Most personal injury actions involve motor-vehicle collisions; however, that doesn’t mean every practicing attorney knows how to resolve every type of car accident claim.
Going after a major motor carrier following a truck crash calls for a different strategy than pursuing compensation from a drunk driver. And if you were hurt in some other kind of scenario, whether by slipping and falling or using a defective product, for example, you need to find a lawyer who has experience proving liability and damages in those kinds of cases specifically.
2. A Positive Reputation
A firm that truly cares about its clients will have good standing in the community. You can learn about a practice’s reputation by asking around, reviewing online rating sites, and reading testimonials and reviews from past clients.
Even the best personal injury attorneys are useless if you cannot reach them. Accident victims deserve lawyers who will respond to their calls and emails in a timely fashion. As a client of LoTempio P.C. Law Group, you will have a direct means of contact to your attorney, and you will be able to reach our office 24 hours a day, 7 days a week.
Be wary of attorneys who promise to resolve your claim for a low flat rate. These lawyers are unlikely to put in the time and effort needed to investigate your case thoroughly and prepare for all eventualities.
You should also avoid anyone who promises to achieve a particular outcome for your case. Legal proceedings are unpredictable, and there’s no way to guarantee a sizable settlement.
5. Trial Experience
Most personal injury claims are resolved before reaching trial; however, there’s always the chance that your case will end up in court. If it does, you’ll want a seasoned litigator by your side. The accident lawyers at LoTempio P.C. Law Group have extensive trial experience and are ready to represent your interests in court if necessary.
Call 716-855-3761 to Speak with a Personal Injury Lawyer in New York
If you’re looking for a New York personal injury attorney who has all of the above qualities, contact LoTempio P.C. Law Group. Our seasoned lawyers have helped thousands of clients resolve high-stakes wrongful death claims and complicated personal injury cases. Call 716-855-3761 or fill out our Contact Form to schedule a free consultation.
In the state of New York, a conviction for DWI or DWAI has both direct and indirect costs, which might include fines, license reinstatement fees, lost wages, and higher insurance premiums. When you consider that even a first-time offender could face jail time, though, the associated expenses might be the least of your worries.
Fortunately, even if you failed a chemical test, there may be a defense that works in your favor. A criminal defense lawyer from LoTempio P.C. Law Group can assess your situation and explain potential defense options.
We provide aggressive representation in a variety of cases including:
- DWAI drugs;
- DWAI combined influence;
- Aggravated DWI;
- Chemical test refusal; and
- Violations of New York’s Zero Tolerance Law.
Call 716-855-3761 to schedule a consultation with a DWI attorney in New York. In the meantime, read on for a brief overview of New York’s DWI penalties:
1. Mandatory Fines
Anyone convicted of driving while intoxicated has to pay a mandatory fine. The total amount will depend on the severity of the violation.
For example, a motorist who violates the Zero Tolerance Law, or drives with a BAC of between 0.02 and 0.07 despite being younger than 21, will have to pay a civil penalty of $125. Someone who receives a third DWI conviction within 10 years, on the other hand, can be ordered to pay up to $10,000.
A conviction for either DWI or DWAI may carry a jail sentence—even if it is your first offense. For DWAI, the maximum jail term for a first-time offender is 15 days. A first-time conviction for DWI, however, can result in a jail sentence of up to one year. The incarceration term increases with subsequent offenses. In New York, the “look-back period” for alcohol-related driving charges is usually five or 10 years, depending on the type of offense.
3. License Suspension or Revocation
Every alcohol-related driving violation will result in a license suspension or revocation. The shortest suspension, 90 days, applies to motorists convicted of a first-offense DWAI. New York residents who are convicted of DWI out of state can also expect a 90-day license revocation. The longest license revocation period is up to 18 months and applies to third-offense DWAI convictions and second-offense DWI convictions.
Discuss Your Case with a DWI Lawyer in New York
If you are facing DWI or DWAI charges, contact LoTempio P.C. Law Group to discuss your case. A New York criminal defense attorney on our team will evaluate the circumstances of your arrest to determine the most strategic way to proceed.
We understand how easy it is to feel hopeless after being charged with an alcohol-related driving offense. There’s a lot at stake, and the penalties of a conviction can have a profound impact on your future. Fortunately, there may be a defense strategy that results in reduced charges, reduced penalties, or the outright dismissal of your case. Call 716-855-3761 or fill out our Contact Form to schedule a consultation.
Most Americans live paycheck to paycheck, so missing just a few weeks of work due to an injury is enough to fall behind on essential bills. Even a relatively well-off individual can find it challenging to make ends meet after being sidelined from work and accruing steep medical bills.
Fortunately, if your injury was caused by another person’s negligence or intentional act, you may have grounds for a personal injury claim. As we’ll discuss in this blog, the types of damages you might recover and their value will depend on numerous factors. The best way to determine if you have grounds for a claim and to calculate a fair settlement amount is to consult a seasoned personal injury attorney.
At LoTempio P.C. Law Group, we have many decades of experience representing the injured and their families. We can make sure your claim includes all potentially recoverable damages including non-economic losses that you might have overlooked. Call 716-855-3761 to schedule a case evaluation with one of our New York accident lawyers.
Read on to learn a few factors that may affect the potential value of your personal injury claim:
1. Your Own Percentage of Fault
The state of New York follows a system of pure comparative fault when awarding damages in personal injury cases. That means claimants may recover compensation even if they were partially liable for the accident; however, the total amount they can collect will be reduced by their own percentage of fault.
For example, if you slipped and fell on someone else’s property but you were looking down at your phone when it happened, you might be deemed 10 percent liable. Therefore, if you incurred $50,000 in damages, you could recover up to $45,000, or 90 percent.
2. The Defendant’s Total Insurance Coverage
In most cases, plaintiffs cannot collect a settlement larger than the defendant’s insurance coverage limits. Although there are exceptions, recovering additional compensation typically requires going to trial and may even call for another lawsuit on the grounds of “bad faith refusal to settle.” Your attorney might recommend this approach if your damages are extensive.
3. The Severity of Your Injuries
More severe injuries usually result in larger settlements. Not only do they cost more to treat, but they also may affect the victim’s emotional health and overall quality of life in a significant way. Injuries that tend to result in larger settlements include:
- Spinal cord injuries;
- Traumatic brain injuries;
- Lost limbs;
- Burn injuries; and
- Anything that causes permanent disability, severe scarring, or disfigurement.
Discuss Your Case with a Personal Injury Lawyer in New York
If you were hurt in a preventable accident and want to hold the liable party financially accountable, turn to LoTempio P.C. Law Group. Our compassionate accident attorneys are ready to provide the legal advice you need and the aggressive representation you deserve. Call 716-855-3761 or fill out our Contact Form to schedule a consultation with a personal injury attorney in New York.
Maybe you had a drink or two; maybe you didn’t. Regardless, the sight of red and blue flashing lights in your rearview mirror can send your blood pressure soaring.
Those who are stopped and accused of driving while under the influence of alcohol can benefit from a basic understanding of the types of charges and the penalties that can apply in New York.
What types of charges can a driver get in New York?
The New York Department of Motor Vehicles notes that there are a number of different charges that can apply depending on the circumstances. The most commonly known is a driving while intoxicated (DWI) charge. This charge generally applies to those who are driving with a blood alcohol content (BAC) of 0.08 or higher.
If the driver is accused of having a BAC of 0.18 or higher, an aggravated driving while intoxicated (Aggravated DWI) may apply.
What types of criminal penalties come with these charges?
A variety of criminal penalties can apply, depending on the details of the allegations. Four of the more common include:
- Driver’s license suspension. This penalty can vary from a 90-day suspension to a six-month revocation to a permanent revocation depending on the details of the allegations.
- Monetary penalty. A first DWI can come with a fine that ranges from $500 to $1,000, a second conviction ranges from $1,000 to $5,000 and a third within ten years results in a fine of up to $10,000. An aggravated DWI conviction comes with stiffer penalties. An initial fine for this conviction can range from $1,000 to $2,500 and a second offense can jump to $5,000.
- Ignition interlock devices. In some cases, a drunk-driving violation can come with a mandatory ignition interlock device requirement. These devices require the driver to provide a breath sample before the vehicle will start. The cost of installation and maintenance is generally the driver’s responsibility.
- Imprisonment. Even a first DWI offense can result in one-year imprisonment. A second offense can result in up to four years, and a third up to seven years. Aggravated DWIs have the same potential jail terms.
In addition to previous offenses, factors like the presence of a child in the vehicle or an accident that results in property damage or injury can also result in increased penalties.
What should I do if I am facing DWI charges in New York?
Those facing these charges should take the charges seriously. A charge does not automatically become a conviction. Charges can be fought. Defenses are available that can result in a dismissal of charges.
The right defense strategy depends on the details of each case. Each case is unique. As a result, it is wise for those facing these charges to seek the counsel of an experienced criminal defense lawyer. This legal professional will review the details of your case can help craft a defense to better ensure your rights are protected.
Getting charged for driving while intoxicated (DWI) can have life-altering consequences. Many social events, from sports games to office parties, serve alcohol. It’s possible to get behind the wheel of a car feeling confident in your ability to safely drive only to be pulled over or caught up in a roadblock. Occasionally, people have false positives on breathalyzer tests as a result of medical conditions. Other times, there could have been an issue with the way law enforcement administered the test. Whatever your personal situation, if you’re facing DWI charges, you need to talk with an attorney.
If you simply plead guilty to avoid court and other issues, the DWI charge could cause a lot of issues. Even speaking with law enforcement in hopes of clearing up a misunderstanding could hurt your case. As soon as you’ve been arrested or charged with a DWI offense, you need to speak with an experienced New York criminal defense attorney. The consequences for a DWI offense are high. You shouldn’t risk losing your license, your freedom, even your job.
DWI penalties are serious, even for first-time offenders
You may imagine that if this is your first offense, the courts will be lenient. Many times, they are anything but. Penalties for drunk driving have less to do with the immediate impact of your one mistake and more to do with deterring you and others from driving under the influence in the future. The courts may try to prevent a future infraction by ordering the maximum sentence in your case. If you plead guilty or are convicted, your first DWI charge could result in a $500 – $1,000 fine, up to a year in jail and the loss of your license for at least six months.
The standard cutoff for blood alcohol content for a DWI is anything that is 0.08 percent or higher. If your BAC is 0.18 percent or higher, you could face aggravated DWI charges, which carry more severe penalties. Although the maximum jail sentence is still one year, the fine increases to between $1,000 and $2,500. You’ll also lose your license for at least a year. Subsequent offenses carry increasingly high fines, jail times and periods without your license. Losing your license or going to jail could mean losing your job and financial security.
Your attorney can help you create a thorough defense
If you believe medical conditions contributed to your DWI offense, an attorney can help you create a medical defense. Your attorney can help you explore all the legal options available. For first time offenders, the state may be willing to reduce or eliminate the charges if you commit to substance abuse therapy. The best way to determine what options are available to you is to speak with an experienced New York criminal defense attorney as soon as possible after your arrest.
Source: Nov. 30, -0001
In order to reduce the risks associated with intoxicated drivers, New York has implemented severe penalties for those charged with driving while intoxicated (DWI) offenses. Repeat offenders, especially, face harsh consequences, even if no one was hurt as a result of the alleged drunk driving. The higher your blood alcohol content (BAC), the stiffer the potential penalties for driving. A third offense in a ten-year period, even with a low BAC, could result in up to seven years in prison, thousands of dollars in fines and the loss of your license for a full year after incarceration.
Even first-time offenders, who could avoid jail time, face loss of their license for between six months and year, depending on their BAC. When you’re facing a DWI charge, your first instinct may be to either talk with law enforcement to explain your situation or simply plead guilty to get over with the process. Talking to law enforcement without an attorney is almost always a mistake. You could be providing a statement that is later used to convict you. Similarly, pleading guilty could result in serious consequences. Judges aren’t always lenient at sentencing just because you plead guilty.
There are social consequences for DWI offenses, too
Even if you avoid jail time, a conviction or guilty plea to a DWI charge could cause a host of issues. Depending on your line of work, your employer may have a strict no-convictions policy. Even if your DWI charge is a misdemeanor and not a felony, your employer could terminate your employment due to a conviction or guilty plea. Finding a new job or even moving to a new apartment could become more difficult with a criminal record.
Even if your employer doesn’t have a strict policy about criminal records, a DWI could still make you lose your job. If you avoid incarceration or your employer allows you to take time off while you are in jail, you still won’t have reliable transportation to get to and from work. Depending on taxis, ride-sharing services and public transportation may result in arriving late for work frequently. Chronic absenteeism or tardiness is likely to impact your ability to keep a job and grow your career.
Other people may treat you differently after a DWI charge as well. Unless you beat the charge, your record could impact socialization. People may hesitate to invite you to events where alcohol will be served. Co-workers and friends may be less likely to ride in your vehicle. The social stigma can be frustrating and dehumanizing. Your best option is to fight back against a DWI charge by working with an experienced New York criminal defense attorney. Your lawyer can explore options for your defense and will help you push for the best possible outcome when you’re charged with a DWI.
New York has taken steps over the years to crack down on drunk driving. Harsh penalties are a means of deterring potential offenders. Unfortunately, innocent people also get caught up in drunk driving suppression efforts. Whether it’s getting home late when you have a babysitter because of a road block or facing unfounded criminal charges, citizens can and do feel negative impact from enforcement efforts. If you get stopped, either individually or as part of a roadblock, you may feel tempted to refuse the test. Doing so, however, could prove to be a serious mistake.
If you had issues with a field sobriety test or appear to be impaired, a law enforcement officer could ask you to submit to a breath test to check for the presence of alcohol. There could be a number of reasons why you may want to refuse this test. You could have taken a medicine with alcohol in it or be in need of insulin, which could result in a false positive. You could find the practice invasive. You could just be in a rush and want to get home. Regardless of the reason, your refusal is actually a crime under New York law. You have to take a breath test if law enforcement asks you to do so.
Implied consent means you have to take the test
New York state law is very clear about breath tests. Anyone who drives on public roads gives implied consent to roadside sobriety testing and chemical breath testing. If you want to drive, you have to agree to submit to testing when requested to by law enforcement. The act of refusing a test is in itself a crime. Your license can get suspended when you are arraigned in court. If the courts determine that you did, in fact, refuse the test, the courts will then revoke your license for a full year and assess a fine of $500.
If you refuse a chemical breath test within five years of a driving while impaired (DWI) or breath test refusal, you’ll get fined $750 and lose your license for at least 18 months. Even if you aren’t convicted of a DWI or other impaired driving offense, you will still lose your license. Although you want to avoid the consequences of a DWI, refusing a roadside test isn’t the answer.
Simply refusing the test doesn’t mean that the courts can’t convict you, either. Even without a chemical test to show your blood alcohol content, video from law enforcement cameras and testimony from the arresting officer may prove sufficient evidence. Law enforcement can bring up your refusal to take the breath test during court for your DWI charge as well. Refusing a breath test won’t protect you from legal trouble, but it can certainly cause a lot of other issues.
If you’ve been arrested for DWI in New York, don’t assume that your only option is to plead guilty and hope for the best. Even if you think you might be guilty, there may be possible defenses available, as well as ways to minimize the damage of a conviction. We recommend contacting an attorney for an assessment of your case.
If you are convicted of DWI, you could be facing a number of serious consequences. For example, for a person over 21, a typical, first-offense DWI at 0.08 percent blood alcohol content could get you up to a year in jail and a fine of between $500 and $1,000. That fine doesn’t include the mandatory crime victims’ assistance fee, conviction surcharge, or driver responsibility assessments — or the increase in your insurance rates. In addition, your driver’s license will be revoked for up to six months. The court may require you to install and maintain, at your own expense, an ignition interlock device.
Unfortunately, New York state law does not allow you to plea bargain an alcohol-related charge to a non-alcohol-related violation. That does not mean, however, that there is nothing to be done to improve your situation.
Here in Buffalo, you’re probably still going to need to drive to work or school. New York allows people convicted of DWI and other alcohol- and drug-related driving offenses to enter the Impaired Driver Program, or IDP. Successful participation in the IDP or an equivalent out-of-state program allows you to apply for a conditional license/privilege that will allow you to drive for work or school during your revocation period.
If you’re under 21 or have a commercial driver’s license, the legal blood alcohol content is much lower. Plus, New York’s Zero Tolerance Law for drivers under 21 could affect your penalty. All of the penalties could be higher — including your driver’s license suspension — if you are convicted more than once, if there were aggravating factors, or if your alcohol impairment results in a serious accident. And, there may be additional consequences, depending on your specific circumstances.
A first-time DWI may be a misdemeanor, but it can totally change your life. You have the right to defense counsel, and we recommend you exercise that right.