Tips for Traffic Stop Etiquette

downloadNo, this article is not going to be about which fork to use when you go to your mother-in-law’s house for a holiday meal. I am certainly no Miss Manners so I may not be able to offer you the best advice about table manners. As a traffic ticket attorney, however, I can tell you that I have known some clients who behave inappropriately when they get pulled over and this behavior usually costs them heavily in court. First of all, if you behave badly, the cop is less likely to let you off with just a warning and much more likely to look for other violations to add to the traffic ticket he is most assuredly going to write you. Secondly, the more obnoxious or absurd your behavior is, the more likely you and that particular traffic stop are going to become imbedded in the cop’s mind for him to recall when you appear in court. Consequently, other than remaining calm and polite there are a couple of things that you can do that may minimize the impact of the traffic stop.

When you initially realize that yes, it is YOU that the officer has targeted, check to see what speed you are traveling and then slow down to the posted speed limit. (This may be helpful information for your traffic ticket attorney if you hire one to defend your ticket in court.) Another important suggestion is to make sure that you do not try to ignore him. He is not going to go away just because you act like he is not there and it may only serve to annoy him. Casually glance over and nod in his direction or give some other indicator that you know he is there and that you intend to comply with his desire to pull you over. Use your turn signal to confirm for him that you intend to pull over. This will not only set him at ease, but it will give you the time necessary to find an area where you can pull over safely. There have been many times that I have seen drivers who are being pulled over and they often react with panic. They slam on their brakes, try to cut across lanes of traffic, and pull off on narrow shoulders in order to be compliant, not thinking about the risks that these behaviors pose to themselves, other drivers, and the police officer who is pulling them over. The number of innocent drivers and police officers who are hurt or killed every year due to this kind of reaction is startling.

Once you pull over safely, there are other things that you need to keep in mind to make sure that the traffic stop goes as smoothly as possible. Park the car well off the road, turn off the engine, and keep both of your hands on the steering wheel. We all know that the police officer is going to ask for your license and registration, but now is not the time to retrieve it. You are aware that you are just reaching into the glove compartment for these documents, but as far as the cop knows, you are a wanted felon and may be reaching for a weapon to injure him with or drugs to dispose of. Being a cop can be a hazardous job, so you don’t want to give him any more reasons to be on edge.

When you are stopped and have helped to make the officer feel more at ease, then there is the matter of how to address the police officer. You should greet him politely, but keep any other conversation to a minimum. Generally, the first thing he is going to ask you is if you know why he has pulled you over. Although you may have been driving at 90 mph or recklessly cutting off other drivers, you should always answer him with a polite, “No, sir.” It may seem rational to start apologizing or try to give an explanation for your poor driving practices, but doing so will only prove your guilt. Such a response will make it virtually impossible to successfully defend your traffic ticket. It may be difficult to hold your tongue if the police officer is in the mood to read you the riot act about how your actions endangered others, but by not doing you may just incite the officer further. Once he has completed his invective and then gives you a traffic ticket, be very careful in how you depart the scene. Make sure to thank the officer, put you seatbelt back on if you have removed it, use your turn signal to let the other drivers know of your intent to re-enter traffic, and then pull out slowly and cautiously. Squealing tires or kicking up dust as you pull away is quite likely to result in him pulling you over again.

Whether we like it or not, police officers are empowered with the right to issue speeding tickets, or any other type of traffic citation, if they feel that we have committed one or more traffic infractions. Drivers do need to remember, however, that cops also hold the power of discretion which means they can choose to let you off with a warning. The more cooperative and polite you are during a traffic stop, the greater your chances of getting just a simple warning. This is especially true if the violation for which you are stopped is slight such as just going a few miles over the speed limit. If this is the case, then this advice is especially important in helping the traffic stop to go in your favor.

 

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How to Make a Debt Settlement Deal With Your Creditors – Legal Tips For Debt Relief

This is best time for any loan taker to sign a good flexible deal with his creditors. Can every loan taker get his dues reduced and become tension free? Well, unfortunately, this is not the case. There are certain conditions which every loan taker needs to fulfill. For instance, one of the conditions relates to the minimum liability figure. According to financial rules, this figure is ten thousand dollars. How to make a debt settlement deal with your creditors? If you are negotiating on your own, you will have to out in a lot of hard work. Most loan takers do not choose this option. They hire a professional team which can work on the case in a professional manner. If you want to learn how to make a debt settlement deal with your creditors, ample information is available on the internet.

How to make a debt settlement deal with your creditors if you want more time to pay?

Most loan takers need more time to pay all their bills. You should remember one thing. Loan giving companies want to recover their money in the shortest possible time period. They do not offer very attractive deals to the customers who make them wait. Thus, if you cannot pay your liabilities in a short duration, you should not expect a very high reduction percentage. The best deal is offered to immediate payment makers. If you can clear your account without taking any time, the credit card firm will even reduce your dues by eighty percent. However, you should not expect this kind of flexibility if you want six months or one year to become debt free.

Get a good consultant who tells you how to make a debt settlement deal with your creditors

A customer can never represent himself in the same way as a professional consultant. Here are some of the steps which an expert takes.

· Maintaining a proper set of papers including financial papers, account statements and other documents.

· You cannot just talk about anything in the negotiation process. The arguments and dialogues which need to be presented have to be tested. A normal loan taker will never perform this practice. However, a consultant always performs this activity so that an error is not committed. If a blunder occurs in the negotiation process, you will never get another chance for liability settlement. Even when you are hiring a professional company, you should have sufficient information about how to make a debt settlement deal with your creditors.

Getting out of debt through a debt settlement process is currently very popular but you need to know where to locate the best performing programs in order to get the best deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.

 

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Legal Tips to Eliminate Credit Card Debt

Being a debtor you will understand how much trouble you should go through in order to eliminate the debt. The creditors will never leave you alone until you settle the debt. Credit cards are some what traps that make you spend more but making you unable to pay it off. But nowadays as the debt negotiation is possible you can eliminate the debt easily without much trouble.

Here are some useful tips for you to eliminate the debt. There are several methods which you can apply to eliminate debts. One is bankruptcy. Though it is not very advisable to follow this method, you can apply it if you do not have any other choice to. This comes in to action through a court declaration. Once you file bankruptcy, the court will declare that you are bankrupted thus unable to pay off the debt. Then the creditors will make necessary arrangements to eliminate your debt. But note that your all the asserts are in danger when you are declared bankrupted.

Then you have debt settlement. This is a method which you can eliminate your debt without much trouble. There are debt settlement companies to provide this service to you. These companies have the capability of reducing your debt by discussing with the creditors. But in this case you should make sure that you select a genuine and legitimate company for your service. I must say this because there are many fake companies among these so called debt settlement companies. It is up to you to differentiate the good from bad.

There is another option for you. If your debt is over $10,000. You can apply for stimulus money which is provided by the government. If you are lucky, you will be liable to settle the debt with the stimulus money.

With any of these debt relief methods, you have to be careful in handling money. When you are paying your installment, always concentrate on it and cut off all the unnecessary expenses. Calculate your income and how much you are going to spend on debt.

 

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Legal Tips to Reduce Credit Card Debt

Nowadays, people in United States extensively use credit cards which make immediate debt reduction impossible. As the usage increases each and every day, the dependence of the people on these credit cards becomes higher and people are not able to achieve a significant debt reduction.

Because of their dependability on the credit cards, it is becoming difficult for the people to repay their liabilities. Each and every consumer will be looking for ways for debt reduction. By opting reduction, the clients will not have to make the full payment and the liabilities will be reduced to a great extend. In the present financial scenario, more and more people are losing their jobs and firms suffer from bad monetary situations. But even in this financial scenario, credit card debt reduction will be beneficial not only for the creditors, but also for the debtors.

The debt reduction benefits not only the debtors, but also the lenders. As the creditor is concerned, he will not have to pay the full amount as he gets a lessening in the money. As the creditor is concerned, even the fall in the actual amount is good as he gets back something from the consumer which is better than nothing. In this time of recession, the creditor will also understand the gravity of the economic situation and he too will opt for giving cutback to the debtors to avoid being bankrupt.

If a particular person requires a debt reduction, you can make an evaluation of the liabilities. They should take a note of the entire amount of liability and collect the financial documents to have a reviewing of the liabilities. They should also make note of the entire list of liabilities, the rate of interest and along with the amount which they owe to the creditor. Then, they can go through the budget and seek help from the professionals who help in getting legal help in achieving debt reduction.

If you are a person who has 10,000 dollars as unsecured liability, it is advisable to consider a liability settlement. Because of the intensity of recession and the increase in the number of people who have monetary commitments, the creditors are left with very few choices. So, they agree to these liability settlement procedures in most of the cases. One can seek the help of liability relief networks in debt reduction.

If you are over $10,000 in unsecured debt it would be wise to contact a debt settlement company while conditions are so favorable. A legitimate debt settlement company will be able to eliminate 60% of your unsecured debt on average. There are now online services that will compare debt settlement companies for consumers and provide a top performing company in their area. To locate a top performing debt settlement company in your area check out the link below.

 

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