Frequently Asked Questions GLGI Class Action Donors4Donors.com

Size: px
Start display at page:

Download "Frequently Asked Questions GLGI Class Action Donors4Donors.com"

Transcription

1 Why do we need a class action? By signing up, will I really make a difference? Yes. There is power in numbers. The more people who sign up the better. (Judges tend to look at it this way: the greater the number of individuals affected, the more serious the injustice must be.) That s why it s important to pass this information on to your family and friends. Why now? A group of donors, worried about the pace and possible outcome of GLGI s legal action, took it upon themselves to win the right to be heard as a small group in court. They decided to create back-up protection for themselves by starting as a class action. After a considerable research effort, they retained Merchant Law to represent you and other donors. Why me? You were a donor or a part of the GLGI donation program in the years You have or had a disputed amount of dollars payable to CRA that was, or is still due despite it not being heard in a court of law. Simply put, Merchant Law believes that CRA and the Canadian Government failed in their duty of care to you as a donor and participant in a tax shelter. What are the chances of us winning? Merchant Law is putting their name and reputation behind this class action. Consider this: Do you think the current government wants a class action alleging CRA s shoddy treatment of citizens to be investigated by the mainstream press? What is the likely timeline of this action? If the case goes to court and then on to the Supreme Court, it could take 3 years. Merchant Law is prepared to spend 3-5 million dollars to fight this action. It should be noted that more than 90% of class action cases are settled after certification (see What is a Class Action? ) has been achieved, often within a period of 1 year. What about GLGI s court action? This case is separate from GLGI and we wish them well in their action. That said, it s absolutely critical that you understand this is a completely independent non-related action for donors by donors against CRA and the government. The GLGI court action and this class action on behalf of donors are NOT tied together in any way. Page 1

2 Why don t I just wait for the GLGI action? You can, but this action may be completed prior to GLGI s. Moreover, have you considered what will happen if GLGI s action is dismissed? If that happens, you need a back-up plan in place. Merchant Law believes we will win this action whichever way the GLGI action turns out. Will I not be represented in this action as well? You help this action only if you decide to sign-up and get behind Merchant Law. Remember, Merchant Law s class action is a completely separate action with separate claims (e.g. failed duty of care ) very different from the claims GLGI s lawyers are fighting in court. This class action is for donors by donors against CRA for their failure to warn donors and lookout for them. Can I participate in this action if I have signed a waiver? Yes. This is a separate action. You can and should stand up for your rights. Remember, a class action allows claims for damages. You have suffered enough. It s time justice was served. If I have paid CRA or settled, does this still apply to me? Again, yes. Merchant Law s class action is a separate action with separate claims. You have every right to receive your fair share of a settlement, including, if warranted in your case, damages. What do I do in the meantime? I m receiving letters from CRA. Will guidance be provided? Assuming Merchant Law achieves certification (see, What is a Class Action ) for the Class Action, we will insist that all questions and letters from CRA cease and desist as the matters under consideration are now before the court. Who is Merchant Law? Tony Merchant Q.C. has been dubbed by the media as Canada s class action king for taking-on some pretty big names; names like GM, Maple Leaf Foods, CIBC/Talvest Mutual Funds, Toyota, Sony and, of course, our own federal government through various class-actions. Most notably, Mr. Merchant played a key role in bringing about the landmark 2005 settlement on behalf of native Indian abuse victims who suffered terribly within the residential school system that they were forced to attend. The estimated value of that settlement was 5 billion dollars. Mr. Merchant is a member of the Saskatchewan, Alberta, British Columbia and Arizona bars and has argued cases at the trial level before various tribunals, as well as the Federal Court Page 2

3 and the Supreme Court of Canada. And he has, at last count, over 1,300 cases reported in leading law journals. Merchant Law has 11 offices in Canada and 1 in the U.S. Mr. Merchant was voted the best lawyer in Regina in 2007 and has received numerous other awards and distinctions for his many legal accomplishments over the years. A graduate of the University of Saskatchewan, Mr. Merchant was named Queen s Counsel in 1995 and previously represented Regina-Wascana in the Legislative Assembly of Saskatchewan. What will Merchant Law do for me? They will represent you, the donor, along with other donors (in a class action there is power in numbers) to go all the way to the Supreme Court (if required) or to negotiate a successful settlement (a return of up to 100% of your current disputed GLGI related donation tax bill). What is a Class Action? In simplest terms, a class action occurs when a single individual or a group of people initiate a lawsuit on behalf of other people who find themselves in a similar situation in the same boat if you will So, when a number of people, have been wronged in a similar manner, often the best way to fight in the courts is by initiating a class action. Now, before a class action can proceed, the representative plaintiffs named in the action the single person or group who started the lawsuit must ask the court to certify the action as a class proceeding. What this means is that representative plaintiffs and the lawsuit itself must meet certain standards and abide by specific legal rules before the class proceeding is considered valid. Advantages of Class Actions 1. When many people, sometimes thousands have been wronged, a class action lawsuit carries greater weight and has far more impact than separate suits brought by individual plaintiffs. 2. The legal costs of initiating and fighting major lawsuits on your own, especially, as in this case, against a department of the federal government, is beyond the reach of most individuals. 3. Plus, if you choose to take legal action on your own and lose in the end, you may be ordered to pay court costs which in this case would amount to many millions of dollars. Page 3

4 4. On the other hand, if you choose to become part of a class action and triumph, in the end you benefit equally with other members of the action. 5. What s more, when you become part of a class action, initial legal costs are shared equally and sometimes capped at a pre-specified amount. In this particular class action, your individual total cash commitment to cover legal costs is only $500 whether the suit is successful or not. The remaining legal costs will be paid only out of what you save, which means only if the action is successful. 6. And if the legal firm acting for the plaintiffs chooses where the lawsuit will be heard with care, odds are that court costs will not become the responsibility of the plaintiffs and you as a donor can never pay more than $500 if we lose. 7. Plus, if you re a member of a class action, once it s certified no one is permitted to make a separate legal deal or settlement for themselves. Who is the Steering Committee? The Steering Committee is made up of a handful of individuals who initiated this action. These individuals provide ongoing direction and guidance to the firm on behalf of the class or donors. Why Merchant Law? (We think you d like to have a legal firm in your corner that is proud to stand behind its accomplishments, one that will relentlessly pursue success on your behalf no matter what.) Merchant Law is focused on class actions with a solid reputation. The Steering Committee that, in the end unanimously voted for Merchant Law, made the decision knowing the depth of experience, bench strength, and determination of Tony Merchant and the firm. The Committee is convinced Merchant Law is the right firm to win for them and their fellow donors in a class action against CRA for abandoning their duty of care (among other things) to donors who had invested in GLGI s tax shelter program. Page 4

5 Why is there a fee of $500? Taking this case to court is costly. DonorSupport.ca is working with Merchant Law to provide this service for an initial nonrefundable payment of $500 per donor: $200 to Merchant Law (plus 10% of each donor s final dollar savings to Merchant Law), $100 for processing and support, $100 for administration, and $100 for ongoing communication and support via DonorSupport.ca. So if you get back 100% of the money you expect to get back, Merchant Law s fee will be 10% of that amount. If the judge only gives you back 60%, then Merchant Law s fee is reduced to 6%. NOTE: Merchant Law expects to put in over $3-5 million of their own money in fees to fund this class action. Will there be any additional, hidden, or future fees? NO. Only the initial $500 plus applicable fees (outlined above) if Merchant Law is successful. This information is found on your sign up form. Is Merchant Law related to GLGI? No. This case was brought to Merchant Law by a third party independent group of donors and fundraisers. Does the class action in question apply for all years pertaining to all years of GLGI participation by various donors? Yes that is the plan. What if I don t do anything? You can choose to do that, however, we wouldn t recommend that you decide to put all your eggs in one basket (i.e. back a single course of action). In effect, you are betting that GLGI s legal action will proceed smoothly to a successful conclusion. That s it. You have no back-up plan. Now take a moment to consider the position you would be putting yourself in, if you decide to back-up your position by contributing to Merchant Law s class action. Effectively, then you would be backing both cases, two different legal approaches (i.e. two different statement of claims one refuting CRA s contention that GLGI s tax shelter program was a sham (the case put forward by GLGI s lawyers) and one case (Merchant Law s case) hinging on CRAs alleged failed duty of care (i.e. they failed to warn donors in a reasonable amount of time that they considered the GLGI tax shelter program to be invalid). All things considered, we think having a sound back-up plan in place is the best way to go. Merchant Law can win even if GLGI loses! Page 5

6 Furthermore, once our class action is certified, we will seek a cease and desist order to stop alleged on-going donor harassment by CRA (e.g. threatening letters, phone calls). We will contest the new policy of CRA that sanctions printing payments under dispute on assessment letters. This is happening as you read this and it has to stop. (Note: This new policy can potentially affect your credit rating going forward and prevent you from extending or getting a mortgage for your property.) My father has a terminal illness and will not live through this (or someone has passed away another question)? The executor his estate or his Power of Attorney can handle everything for him. Make sure that your father s executor or Power of Attorney is well aware of the issues at hand. How will I be keep updated on the status of the case? Merchant Law will keep you informed as the case moves forward. Does the Steering Committee make decisions on behalf of all donors involved in the case? Do I have a say? The Steering Committee and then the representative client essentially becomes the client. They vote on behalf of the action. The reality is though that Tony Merchant is the one who will be determining the legal issues he thinks will win out in the end, including the ones that affected donors who chose to take their own lives. We will place our trust in him to fight for us. Together we are strong. (Rest assured, your issues ARE common to the donors and fundraisers who make up the steering committee. So, in a way, you do have a say.) Does this apply to other tax shelter programs? No. Not at this time. What happens if GLGI wins or settles? Then would the class action lawsuit be limited only to damages? Would the compensation to Merchant Law be based on a percentage of the total money saved, or the difference between the GLGI case and the class action, or something else? The Merchant Law class action is a separate case, adjudicated on its own. You only pay a percentage to Merchant Law if the class action is successful. Your total expenditure in the event that the class action is unsuccessful is $500. That s it. No extra fees. No assessments. If the action by GLGI wins, the class action will win damages because it will make CRA s action appear even worse. If GLGI loses, then this is the insurance another way to win a better way to win. Page 6

7 Why should I pay $500? The cost of a court action like this is prohibitive. The average person does not have millions stored away to fight for his or her legal rights. In fact, many legal firms would NOT take on the financial risk inherent in a case like this. As outlined earlier (see What If I Don t Do Anything?), the best way to look at the expenditure is that it buys you a rock-solid back-up plan. And considering what s on the line, this is, in our humble opinion, a smart way to proceed. Moreover, a judge looking at this case wants to see lots and lots of real people signed up, people who put their own hard-earned dollars on the line. When do we expect to start the class action suit and when does a donor need to sign up? You need to sign-up as soon as possible. The class action case by Merchant Law will be launched in the early fall, therefore all sign-ups are needed now. If Merchant Law decides to go through the provincial courts, how does this affect individuals who took part of the program in another province? This class action will apply to all donors in every province in Canada and for the years (i.e through 2014) that GLGI s tax shelter program was offered. How does Merchant Law pay off our debt to the CRA? Assuming they win, do they send funds directly to the CRA to pay off my debt or do they send me the funds to pay off the debt? An example here will help. Let s say the CRA said you owed them $100,000 because they didn t accept any tax relief claimed due to your participation in the GLGI tax shelter program. Let s also say that you went ahead and paid them that amount. Here s what happens if the class action is successful: 1. The CRA now owes you $100,000. They have to give you your money back. 2. Because of the contingency payment arrangement in place, you would pay Merchant Law $10,000. (e.g. Merchant Law receives a contingency payment: 10% of any settlement amount see question and answer below.) On the other hand, if you haven t paid the CRA anything here s what happens: If the CRA claimed you owed them $100,000 but you haven t paid them anything, then you would not owe the $100,000 and that amount would be deducted from your CRA account. Then you would issue a cheque payable to Merchant Law for $10,000. (e.g. Page 7

8 Remember, Merchant Law receives a contingency payment of 10% of any settlement amount.) What about interest and penalties? Merchant Law will fight to negotiate that best possible deal for every donor. Can I use the financial hardship caused by this situation as a basis for going bankrupt? After all, it is CRA that has put me in this position. Yes, you can. You also can join this class action to seek payment for damages. If damages are awarded and become part of any final settlement, then you are eligible to receive payment for damages. In a class action, damage awards vary according to the level of hardship each person has endured. How would damages be awarded if the case is won? There are two components to this question: 1) Pecuniary damages: These damages include all the money you lost because of the CRA s negligence, including the amounts you currently are said to owe the CRA in tax liability, along with penalties and interest. That amount is your individual degree of hardship under this head of damages. 2) Non-pecuniary damages: These are your damages for pain and suffering. These will likely be determined individually through simplified procedures. There may be a common experience fixed amount, based on the types of hardships that the majority suffered. Those outside of this common experience, for example who suffered major injury or death, can (or their estate can in the latter case) make a claim for more. The judge will decide the best and most just way to administer each individual claim. The judge may award only some or all of the above damages. It is impossible to know at this point which types of damages will be awarded. If one has paid back the amount in dispute (assuming it s not taxable) and the class action is successful, how are we paid back and would any damages be awarded? If the class action is successful, the CRA and/or Government of Canada will be ordered to refund any disputed funds. These funds are not taxable as they are, quite simply, funds that are technically owed to you. Damages are calculated and negotiated separately and approved by the presiding judge. Page 8

9 Will any win result in a percentage of money being paid back to me or will everyone get the same cut? Those issues under dispute that are common to every class member will be paid out according to a formula (usually a set percentage of the settlement) that has been negotiated by both sides in the dispute and then approved by the judge. Individual damage claims, particularly those claims that involve extreme hardship (i.e. suicide, bankruptcy or proved hardship), will be addressed separately. In terms of damage awards for pain and suffering, how are the awards divided up or does Tony Merchant get all the damage award money? It is impossible for class counsel to get all damage award money in a class action. Counsel fees must always be approved by the court, which is vigilant in ensuring that counsel fee is only fair and reasonable. If, hypothetically speaking, no one were to make a claim under the settlement, the money would be administered by the court, which usually directs that it be given to some charity. In no event would it be paid to class counsel. Would any damages awarded be taxable? It is unlikely that any amounts awarded in this action will be taxable. I held back including the donations for years 2011, 2012, and 2013 because of returns being held in abeyance. Earlier this year, I filed amendments for those years and they were all denied. By letter, the CRA told me that my donations must be included in an actual tax filing, not an amendment. Will these donations be eligible for coverage by the class action lawsuit or do I have to include them this year in my taxes? In other words, will this lawsuit only cover donations already done? The class action lawsuit will cover every signed-up donor who participated in the GLGI tax shelter program for every year it was offered up to and including all of Any donations made or not made because of extenuating circumstances (i.e. returns held in abeyance) plus all taxes owed and due will all be dealt with by the class action. If I don t participate in the class action, will I be included in the outcome? Technically yes. The law is that a class certification makes everyone automatically a class member who meets the class description which will also be determined by a judge. However, you will be much less aware of the stage of progress of the class action and will be entirely dependent on the notice provided by the court to know when and how to make your claim. Court notice is good, but studies of class action have shown that many people don t get notice and subsequently don t make any claims under settlements. Page 9

10 More importantly, your participation is crucial to allowing this action to go forward. When we go before a judge and say 2,000 people have not only signed up, but paid $500, that is impactful. That lets the judge know that people care about this, that there is a real sense among many people that a significant injustice has taken place. Is Tony's $3 to 5 Million actual money in or are those figures based on the value of his time and resources? Tony s estimated costs are based on time, resources, cash disbursements and regular payments to his team of salaried researchers and staff. I participated in the GLGI tax shelter program in 2008, and I also participated in the Mission Life program in Both programs are under a CRA Notice of Objection. Question: are both of these programs covered by the class action? Or does the class action only deal with the GLGI program? Only GLGI. My wife and I filed joint tax returns. I contributed to a tax shelter, she subsequently obtained a tax benefit as a result. Is she covered by the class action as well if I alone join the class action? We request that all persons who have taxes owing to the CRA as Global Learning participants pay $500 and sign their own retainer agreement. If successful, do we receive any settlement money individually? Are there income tax implications, or does our settlement money pay off our tax liability directly? Will our reward be limited by the amount CRA says we owe them? If our class action is successful, any amount the CRA says you owe because of your tax shelter participation will no longer be owed (i.e. your statement of account will be adjusted downwards.). Money that is owed is not taxable. And no, you are not limited by the amount the CRA says you owe them. If damages are awarded, you will be asked to make an individual claim for it through a simplified procedure, which will be determined by the court. It may be as simple as simply filling out a form, but for some it may involve more. Page 10

11 What is the lowest percentage of settlement with CRA that would constitute a victory? How is this percentage derived? Award Merchant Law Fee 100% 10% 90% 10% 80% 10% 70% 6% 60% 6% Less than 59% 0% What does the fee agreement with Merchant Law look like? You CRA Merchant Law % Win 80% Win 60% Win 50% Win 0% The damages this action is seeking are first and foremost the amount of taxes you owe the CRA. If we are successful in cancelling more than 80% of that debt or more, you will owe us 10% of that cancelled debt. That is a modest amount for a contingency fee agreement. If we cancel 60% of your debt or more, you will owe us 6% of that cancelled debt. Page 11

12 Award $100,000 Merchant Law Fee (%) You ($) CRA ($) Merchant Law Fee ($) 100% 10% $90,000 0 $10,000 90% 10% $81,000 $10,000 $9,000 80% 10% $72,000 $20,000 $8,000 70% 6% $65,800 $30,000 $4,200 60% 6% $56,400 $40,000 $3,600 Less than 59% 0% $50,000 $50,000 0 Because this is a class action, the courts will also review the fairness of the amount you have to pay us based on the work we have done and the risk we have taken. More often than not, courts have reduced the contingency fee payable to class counsel. So you have additional protection from the courts. Courts are very vigilant to ensure that class counsel are not overpaid. If I don t participate in the class action, will I be included in the outcome? Technically, yes, assuming you get notice, understand the notice and act upon it accordingly. You will not be known to Merchant Law Group and thus be able to receive their communications. More importantly, if you do not participate, there is a chance the action will not go forward. On the other hand, if you do participate and others don t, a judge will take those things into account when individual claims under a judgement or a settlement is made. So the courts will ensure that everyone is treated fairly in the end. If the current GLGI suit against the CRA succeeds, will that portion of money retained by the donor be subject to the 10% contingency fee by Merchant Law Group? No. Our class action is separate and not affiliated with GLGI s court case. Merchant Law s fees only apply to its class action. What level of time, personal monetary information and CRA history will your firm require from each donor that signs on to the suit? Almost none. A class action is not concerned so much with individual stories as with common issues. Most class members do not need get involved at all other than to make their claim once a settlement or judgment is reached. You will also not need to pay any other money in this action until a successful outcome is reached for you. Page 12

13 If everyone pays $500 and you fail to get the case certified, what happens? The cost of certification itself will be more than the amounts we hope to raise through this fundraising effort. Certification is a hard-fought process, with multiple appeals and applications in between. Once certified, a class action is usually settled. Certification should not be seen as the procedure at the beginning of the litigation race in most cases it is the finish line! If this action is not certified, we will have been unsuccessful, but that will not mean that your payment was wasted. The point of the $500 payment is to provide a deposit of funds necessary to litigate certification. Win or lose, you will receive value for this payment. Will the CRA receive the list of people that are part of this class action lawsuit? My fear is that the CRA will punish people that are suing. The CRA will never have access to this information, as it is solicitor-client privileged. Page 13

YOUR GUIDE TO PRE- SETTLEMENT ADVANCES

YOUR GUIDE TO PRE- SETTLEMENT ADVANCES YOUR GUIDE TO PRE- SETTLEMENT ADVANCES What is a pre-settlement advance? If you have hired an attorney to bring a lawsuit, and if you need cash now, you may be able to obtain a pre-settlement advance on

More information

Valuable Secrets to Defending Debt Collection Lawsuits

Valuable Secrets to Defending Debt Collection Lawsuits Valuable Secrets to Defending Debt Collection Lawsuits Creditors will aggressively pursue you. The Terry Law Firm will aggressively defend you. IF YOU HAVE BEEN SUED BY A DEBT COLLECTOR, YOU CAN WIN! David

More information

UNDERSTANDING AND PREPARING FOR BANKRUPTCY. Lewis & Jurnovoy P.A.

UNDERSTANDING AND PREPARING FOR BANKRUPTCY. Lewis & Jurnovoy P.A. UNDERSTANDING AND PREPARING FOR BANKRUPTCY Lewis & Jurnovoy P.A. WARNING SIGNS If you are in financial trouble, you are not alone. At Lewis & Jurnovoy, P.A. we ve helped thousands of people just like you

More information

Being a Guarantor. This booklet will help you understand all that is involved in being a Guarantor.

Being a Guarantor. This booklet will help you understand all that is involved in being a Guarantor. is a big responsibility and can have serious consequences. It is important to understand exactly what you are getting yourself into and what the impact of signing the agreement may be. can be a helpful

More information

Conditional Fee Agreement ( CFA ) [For use in personal injury and clinical negligence cases only].

Conditional Fee Agreement ( CFA ) [For use in personal injury and clinical negligence cases only]. Disclaimer This model agreement is not a precedent for use with all clients and it will need to be adapted/modified depending on the individual clients circumstances and solicitors business models. In

More information

Schedule 1. the fact that if you lose, we will not earn anything;

Schedule 1. the fact that if you lose, we will not earn anything; Schedule 1 Success fee The success fee is set at 100% of our basic charges, where the claim concludes at trial; or 100% where the claim concludes before a trial has commenced. The success fee percentage

More information

TABLE OF CONTENTS. 1 Introduction 2 Choosing small claims 4 Going to court 6 Litigation funding 7 Your privacy 8 Further resources

TABLE OF CONTENTS. 1 Introduction 2 Choosing small claims 4 Going to court 6 Litigation funding 7 Your privacy 8 Further resources SMALL CLAIMS GUIDE Disclaimer: this Guide is meant to be legal information and not legal advice. Users should not rely on this information but should rather seek independent legal advice regarding their

More information

4 Nonpayment Steps to Take if You Have Credit Card Debt You Cannot Afford to Pay

4 Nonpayment Steps to Take if You Have Credit Card Debt You Cannot Afford to Pay 4 Nonpayment Steps to Take if You Have Credit Card Debt You Cannot Afford to Pay 1 Understand That Seniors Are Easy Targets for Debt Collectors Unaffordable credit card debt, debt collector threats, collection

More information

TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM

TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM THE CARLSON LAW FIRM TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM 01 WHAT WE KNOW We hear it all the time, you don t need to hire an attorney after a car crash or I didn

More information

An individual risk assessment undertaken on your case at the outset together with in general:

An individual risk assessment undertaken on your case at the outset together with in general: Schedule 1 Success fee The success fee is set at 100% of our basic charges, where the claim concludes at trial; or 100% where the claim concludes before a trial has commenced. The success fee percentage

More information

NEGLIGENT SECURITY: WHAT YOU NEED TO KNOW ABOUT THEM

NEGLIGENT SECURITY: WHAT YOU NEED TO KNOW ABOUT THEM NEGLIGENT SECURITY: WHAT YOU NEED TO KNOW ABOUT THEM 1 The meeting ran longer than planned, and it is now nighttime. As you leave the building, you recall your car is parked off in a far one corner of

More information

BANKING. Q&A with OFFSHORE STEVEN GOLDBURD ABOUT AND THE ATTORNEY

BANKING. Q&A with OFFSHORE STEVEN GOLDBURD ABOUT AND THE ATTORNEY Q&A with ATTORNEY STEVEN GOLDBURD ABOUT OFFSHORE BANKING AND THE There was big news last week about Bank Leumi s $400 million deal with the Department of Justice due to allegations of tax evasion. Yes.

More information

FORECLOSURES. I m behind in my mortgage payments, what should I do?

FORECLOSURES. I m behind in my mortgage payments, what should I do? FORECLOSURES This flyer was prepared by Legal Services of Greater Miami, Inc.(LSGMI) with support from the Institute for Foreclosure Legal Assistance. LSGMI represents homeowners in foreclosure and homeowners

More information

Mr S complains about Bar Mutual Indemnity Fund Limited s decision to withdraw funding for his claim.

Mr S complains about Bar Mutual Indemnity Fund Limited s decision to withdraw funding for his claim. complaint Mr S complains about Bar Mutual Indemnity Fund Limited s decision to withdraw funding for his claim. background I issued a provisional decision on this complaint in December 2015. An extract

More information

SHARES 101. Differences Between Stocks And Shares. What Is A Stock? Five Things To Know About Shares. What Is A Stock Market?

SHARES 101. Differences Between Stocks And Shares. What Is A Stock? Five Things To Know About Shares. What Is A Stock Market? SHARES 101 Differences Between Stocks And Shares None. There are always questions being asked about the differences between stocks and shares. The bottom line is that stocks and shares are the same thing,

More information

NOTICE OF PROPOSED CLASS ACTION SETTLEMENT YOU MAY BE REQUIRED TO FILE A CLAIM FORM. NOT ALL CLASS MEMBERS ARE REQUIRED TO FILE A CLAIM FORM.

NOTICE OF PROPOSED CLASS ACTION SETTLEMENT YOU MAY BE REQUIRED TO FILE A CLAIM FORM. NOT ALL CLASS MEMBERS ARE REQUIRED TO FILE A CLAIM FORM. The Superior Court of the State of California authorized this Notice. This is not a solicitation from a lawyer. NOTICE OF PROPOSED CLASS ACTION SETTLEMENT If you are a lawyer or law firm that has paid,

More information

Stakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health

Stakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health Stakeholder Pension The simple way to start a pension plan Retirement Investments Insurance Health Introduction Any decision you make about investing for your future retirement needs careful consideration

More information

Flexible Home Loan. This document sets out your facility s terms and conditions. Some key information about your facility. Terms and Conditions

Flexible Home Loan. This document sets out your facility s terms and conditions. Some key information about your facility. Terms and Conditions Flexible Home Loan Terms and Conditions This document sets out your facility s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Flexible Home Loan. It

More information

Home Mortgage Foreclosures in Maine

Home Mortgage Foreclosures in Maine Home Mortgage Foreclosures in Maine Find more easy-to-read legal information at www.ptla.org Important Note: This is very general information about home mortgage and foreclosure rules in Maine. It is not

More information

Do the right thing see your lawyer first

Do the right thing see your lawyer first Do the right thing see your lawyer first The information in this guide has been published by the New Zealand Law Society. Our objective is to inform you of your legal rights, the law, and how lawyers can

More information

A GUIDE FOR SELF-REPRESENTED LITIGANTS

A GUIDE FOR SELF-REPRESENTED LITIGANTS COURT OF APPEAL OF NEWFOUNDLAND AND LABRADOR A GUIDE FOR SELF-REPRESENTED LITIGANTS 2017 This document explains what to do to prepare and file a factum. It includes advice and best practices to help you.

More information

Home Mortgage Foreclosures in Maine

Home Mortgage Foreclosures in Maine Home Mortgage Foreclosures in Maine Find more easy-to-read legal information at www.ptla.org Important Note: This is very general information about home mortgage and foreclosure rules in Maine. It is not

More information

September 2014 TEN COMMON TAX MISTAKES THE TAX COST OF LEAVING (OR LOSING) YOUR JOB WHEN CAN THE CRA NO LONGER REASSESS YOU?

September 2014 TEN COMMON TAX MISTAKES THE TAX COST OF LEAVING (OR LOSING) YOUR JOB WHEN CAN THE CRA NO LONGER REASSESS YOU? TAX LETTER September 2014 TEN COMMON TAX MISTAKES THE TAX COST OF LEAVING (OR LOSING) YOUR JOB WHEN CAN THE CRA NO LONGER REASSESS YOU? AROUND THE COURTS TEN COMMON TAX MISTAKES What are the most common

More information

DEBT REPAYMENT OPTIONS OPTIONS FOR THE REPAYMENT OF YOUR UNSECURED DEBT

DEBT REPAYMENT OPTIONS OPTIONS FOR THE REPAYMENT OF YOUR UNSECURED DEBT DEBT REPAYMENT OPTIONS OPTIONS FOR THE REPAYMENT OF YOUR UNSECURED DEBT EDUCATIONAL SERIES / MARCH 2012 1 DEBT REPAYMENT OPTIONS OPTIONS FOR THE REPAYMENT OF YOUR UNSECURED DEBT Published by Debt Management

More information

Lesson 6: Failing to Understand What You Get. From a Workers Comp Claim

Lesson 6: Failing to Understand What You Get. From a Workers Comp Claim Lesson 6: Failing to Understand What You Get From a Workers Comp Claim Rule: Workers Comp is based on disability. Many injured workers know someone who was injured at work and got a "big" settlement. But

More information

The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act The Fair Debt Collection Practices Act The Fair Debt Collection Practices Act... i The Fair Debt Collection Practices Act... 1 Definitions used throughout this document... 1 For purposes of the Fair Debt

More information

VERMONT MECHANIC S LIEN LAW

VERMONT MECHANIC S LIEN LAW VERMONT MECHANIC S LIEN LAW 2018-2019 Go to: Vermont Mechanics Lien Forms More Info: www.nationallienlaw.com Section Contents Vermont Mechanic s Lien Who is Entitled to a Lien? When to File/Record Where

More information

ESTATE PLANNING FACT SHEET

ESTATE PLANNING FACT SHEET What is a Will? ESTATE PLANNING FACT SHEET A Will is a written legal document which sets out your wishes following your death ranging from who is to receive your property and possessions to who is to look

More information

You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a

You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a secure future. Tax-Free. Guaranteed Benefits. Custom-Designed.

More information

Settling With Contentious Debtors Who May Have Little Or No Assets (With Sample Agreed Order)

Settling With Contentious Debtors Who May Have Little Or No Assets (With Sample Agreed Order) Settling With Contentious Debtors Who May Have Little Or No Assets (With Sample Agreed Order) J. Grant McGuire Collection litigation can be expensive and timeconsuming. In many cases, agreed judgments

More information

How does DTA calculate the amount of the overpayment?

How does DTA calculate the amount of the overpayment? Part 7 Overpayments and Fraud 113 What if I was overpaid SNAP benefits? If you get more SNAP benefits than you are eligible for, DTA can recover the overpayment. 106 C.M.R. 367.490. An overpayment can

More information

DEBTS AND DISPUTES. Understanding Debt. What to do?

DEBTS AND DISPUTES. Understanding Debt. What to do? DEBTS AND DISPUTES If you ve ever been owed money, you know it s a frustrating situation to be in. Even when it s a small sum, debts not only leave a bad taste, but they can really affect your financial

More information

Explaining risk, return and volatility. An Octopus guide

Explaining risk, return and volatility. An Octopus guide Explaining risk, return and volatility An Octopus guide Important information The value of an investment, and any income from it, can fall as well as rise. You may not get back the full amount they invest.

More information

PRESENTED BY: Naliko Markel Chapter 13 Trustee. FOR MORE INFORMATION, VISIT OUR WEBSITE AT:

PRESENTED BY: Naliko Markel Chapter 13 Trustee. FOR MORE INFORMATION, VISIT OUR WEBSITE AT: CHAPTER 13 THE THIRTEEN (13) MOST COMMON QUESTIONS AND ANSWERS PRESENTED BY: Naliko Markel Chapter 13 Trustee FOR MORE INFORMATION, VISIT OUR WEBSITE AT: www.eugene13.com 1. I have something called a

More information

STOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN

STOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN STOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN 1. This free report will show you the tax benefits of owning your own home as well as: 2. How to get pre-approved

More information

Warehouse Money Visa Card Terms and Conditions

Warehouse Money Visa Card Terms and Conditions Warehouse Money Visa Card Terms and Conditions 1 01 Contents 1. About these terms 6 2. How to read this document 6 3. Managing your account online 6 4. Managing your account online things you need to

More information

M O D I F I C AT I O N PA M P H L E T

M O D I F I C AT I O N PA M P H L E T THE STATE BAR OF TEXAS LOAN M O D I F I C AT I O N SCAM PA M P H L E T As the number of foreclosures grows, many thieves are swindling money from homeowners by preying upon fears of losing a home. The

More information

Guide to trusts. A brief guide to Trusts and our Trustbuilder tool. Trusts the basics. Settlor makes a gift to the trust

Guide to trusts. A brief guide to Trusts and our Trustbuilder tool. Trusts the basics. Settlor makes a gift to the trust Guide to trusts A brief guide to Trusts and our Trustbuilder tool This brief guide explains some of the main features and benefits of our trusts, and gives you some information to help you decide whether

More information

Who do I turn to following an injury?

Who do I turn to following an injury? Guidance from the Association of Personal Injury Lawyers Who do I turn to following an injury? Getting your life back on track following an injury A guide to your rights to advice and compensation following

More information

Re-thinking Owning Life Insurance Inside a Corporation By Kurt Rosentreter, CPA, CA, CFP, CLU, CIMA, TEP, FCSI March 2018

Re-thinking Owning Life Insurance Inside a Corporation By Kurt Rosentreter, CPA, CA, CFP, CLU, CIMA, TEP, FCSI March 2018 Re-thinking Owning Life Insurance Inside a Corporation By Kurt Rosentreter, CPA, CA, CFP, CLU, CIMA, TEP, FCSI March 2018 All the rage in Canada right now is insurance agents convincing dentists, doctors,

More information

Why you should have a Will

Why you should have a Will Wills & Estates Why you should have a Will Appoint who you want as executor/s Otherwise, there may be a costly dispute about who is entitled to administer your estate. There could also be confusion over

More information

PFIN 7: Buying Decisions 45

PFIN 7: Buying Decisions 45 PFIN 7: Buying Decisions 45 7-1 Buying Plans OBJECTIVES Explain the advantages of using a buying plan. List the steps of a buying plan. Set criteria for selecting one item over another to buy. Explain

More information

WEST VIRGINIA MECHANIC S LIEN LAW 2017

WEST VIRGINIA MECHANIC S LIEN LAW 2017 WEST VIRGINIA MECHANIC S LIEN LAW 2017 Go to: West Virginia Mechanics Lien Forms More Info: www.nationallienlaw.com Section Contents Pre-lien Notice(s) Name of Notice Who Must Use This Notice When How

More information

ForThePeople.com Representing the People, Not the Powerful 2012 S. Florida Avenue Lakeland, FL (863)

ForThePeople.com Representing the People, Not the Powerful 2012 S. Florida Avenue Lakeland, FL (863) Representing the People, Not the Powerful 2012 S. Florida Avenue Lakeland, FL 33803 (863) 680-1411 ForThePeople.com 877-667 - 4265 ATTORNEY ADVERTISING: Prior results do not gurantee or predict a similar

More information

SHAREHOLDER AGREEMENTS: A CHECKLIST FOR DISCUSSION PURPOSES

SHAREHOLDER AGREEMENTS: A CHECKLIST FOR DISCUSSION PURPOSES SHAREHOLDER AGREEMENTS: A CHECKLIST FOR DISCUSSION PURPOSES Phil Thompson Business Lawyer, Corporate Counsel www.thompsonlaw.ca If you are putting a business partnership together, there are lots of things

More information

Facility Agreement Continuing Credit Facility - Line of Credit Terms & Conditions

Facility Agreement Continuing Credit Facility - Line of Credit Terms & Conditions Facility Agreement Continuing Credit Facility - Line of Credit Terms & Conditions Version 2, March 2013 Contents Section 1 Section 2 LINE OF CREDIT....1 DRAWDOWNS... 1 Section 3 REPAYMENTS........1 Section

More information

FAQ s. Why should I hire Social Security Advocates for the Disabled? How can you help me if I don t live near your office?

FAQ s. Why should I hire Social Security Advocates for the Disabled? How can you help me if I don t live near your office? 800.825.7735 136 Long water Drive, Suite 100, Norwell, MA 02150 FAQ s Why should I hire Social Security Advocates for the Disabled? Hire us because we win, and we ve been winning since 1994. People that

More information

The Mortgage Guide Helping you find the right mortgage for you

The Mortgage Guide Helping you find the right mortgage for you The Mortgage Guide Helping you find the right mortgage for you Hello. We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us ever make. And it can be stressful.

More information

A brief guide to our Flexible Trust

A brief guide to our Flexible Trust A brief guide to our Flexible Trust A Trust is a legal document and Trust Laws are complex, often with a lot of confusing legal jargon. At British Seniors we pride ourselves on doing the right thing by

More information

Hayes Connor Solicitors

Hayes Connor Solicitors Hayes Connor Solicitors A jargon-free guide to: making a data breach group action claim with Hayes Connor Solicitors Why have we created this document? Making a data breach claim shouldn t be difficult.

More information

AUTOMOBILE ACCIDENT VICTIMS

AUTOMOBILE ACCIDENT VICTIMS THE ULTIMATE GUIDE FOR AUTOMOBILE ACCIDENT VICTIMS Everything you NEED TO KNOW to PROTECT YOUR RIGHTS and receive a FAIR SETTLEMENT We have collected more than $1 BILLION for over 70,000 satisfied clients.

More information

Citation: Mercier v. Trans-Globe Date: File No: Registry: Vancouver. In the Provincial Court of British Columbia (CIVIL DIVISION)

Citation: Mercier v. Trans-Globe Date: File No: Registry: Vancouver. In the Provincial Court of British Columbia (CIVIL DIVISION) Citation: Mercier v. Trans-Globe Date: 20020307 File No: 2001-67384 Registry: Vancouver In the Provincial Court of British Columbia (CIVIL DIVISION) BETWEEN: MARY MERCIER CLAIMANT AND: TRANS-GLOBE TRAVEL

More information

Guide to trusts. A brief guide to Trusts and our Trustbuilder tool

Guide to trusts. A brief guide to Trusts and our Trustbuilder tool Guide to trusts A brief guide to Trusts and our Trustbuilder tool A Brief guide to Trusts and our Trustbuilder tool Introduction This brief guide explains some of the main features and benefits of our

More information

Mr M didn t think MBNA had offered enough compensation. He said it hadn t worked out his compensation in the way we d expect it to.

Mr M didn t think MBNA had offered enough compensation. He said it hadn t worked out his compensation in the way we d expect it to. complaint Mr M has complained that he was mis-sold two payment protection insurance ( PPI ) policies alongside two credit cards he had with MBNA Limited ( MBNA ). background Mr M took out two credit cards

More information

11 Biggest Rollover Blunders (and How to Avoid Them)

11 Biggest Rollover Blunders (and How to Avoid Them) 11 Biggest Rollover Blunders (and How to Avoid Them) Rolling over your funds for retirement presents a number of opportunities for error. Having a set of guidelines and preventive touch points is necessary

More information

An easy guide to lasting powers of attorney An independent voice and champion for older people across Wales

An easy guide to lasting powers of attorney An independent voice and champion for older people across Wales An easy guide to lasting powers of attorney An independent voice and champion for older people across Wales In partnership with: The Older People s Commissioner for Wales The Older People s Commissioner

More information

Debt Collection & the Fair Debt Collection Practice Act (FDCPA)

Debt Collection & the Fair Debt Collection Practice Act (FDCPA) Debt Collection & the Fair Debt Collection Practice Act (FDCPA) Please note that this Information Paper only provides basic information and is not intended to serve as a substitute for personal consultations

More information

ABOUT FREEDOM CLUB ABOUT DR. TONY

ABOUT FREEDOM CLUB ABOUT DR. TONY 1 ABOUT FREEDOM CLUB The Freedom Club is a mentoring and coaching program designed to guide you along the path to Financial Freedom. The Freedom Club is also a place where like-minded people can associate

More information

Power of Attorney additional Money Box Live questions. Wednesday 22 September 2010

Power of Attorney additional Money Box Live questions. Wednesday 22 September 2010 Power of Attorney additional Money Box Live questions. Wednesday 22 September 2010 1. Who takes responsibility for your affairs if you don t give anyone Power of Attorney? No-one else can take responsibility

More information

A brief guide to Trusts and our Trustbuilder tool

A brief guide to Trusts and our Trustbuilder tool guide to guide to trusts trusts A brief guide to Trusts and our Trustbuilder tool A Brief guide to Trusts and our Trustbuilder tool Introduction This brief guide explains some of the main features and

More information

Personal Sick Pay. Paying you an income if you can t work because of an accident or illness

Personal Sick Pay. Paying you an income if you can t work because of an accident or illness Personal Sick Pay Paying you an income if you can t work because of an accident or illness Personal Sick Pay How it works when you can t Personal Sick Pay is a type of income protection insurance which

More information

How to Find and Qualify for the Best Loan for Your Business

How to Find and Qualify for the Best Loan for Your Business How to Find and Qualify for the Best Loan for Your Business With so many business loans available to you these days, where do you get started? What loan product is right for you, and how do you qualify

More information

A survival guide to Dealing with tax credit overpayments

A survival guide to Dealing with tax credit overpayments A survival guide to Dealing with tax credit overpayments Making sense of the law and your rights Introduction If you ve received a letter saying you ve been overpaid tax credits and demanding repayment

More information

AVOIDING BUDGETING FORECLOSURE MADE EASY:

AVOIDING BUDGETING FORECLOSURE MADE EASY: AVOIDING BUDGETING FORECLOSURE MADE EASY: WHAT YOU NEED TO KNOW A free publication provided by Consolidated Credit Counseling Services of Canada, Inc., This complimentary a registered publication charitable

More information

The Mortgage Guide. Helping you find the right mortgage for you. Brought to you by. V a

The Mortgage Guide. Helping you find the right mortgage for you. Brought to you by. V a The Mortgage Guide Helping you find the right mortgage for you Brought to you by V0050713a Hello. We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us

More information

IB Interview Guide: Case Study Exercises Three-Statement Modeling Case (30 Minutes)

IB Interview Guide: Case Study Exercises Three-Statement Modeling Case (30 Minutes) IB Interview Guide: Case Study Exercises Three-Statement Modeling Case (30 Minutes) Hello, and welcome to our first sample case study. This is a three-statement modeling case study and we're using this

More information

LV= Flexible Guarantee Bond Series 3. Bond Conditions

LV= Flexible Guarantee Bond Series 3. Bond Conditions LV= Flexible Guarantee Bond Series 3 Bond Conditions LV= Flexible Guarantee Bond Series 3 Bond Conditions Welcome to LV=, and to our Flexible Guarantee Bond Series 3 These Bond Conditions, together with

More information

Can an Insurance Company Write a Reservation of Rights Letter that Actually Protects Their Right to Deny Coverage in Light of Advantage Buildings?

Can an Insurance Company Write a Reservation of Rights Letter that Actually Protects Their Right to Deny Coverage in Light of Advantage Buildings? Can an Insurance Company Write a Reservation of Rights Letter that Actually Protects Their Right to Deny Coverage in Light of Advantage Buildings? By Kevin P. Schnurbusch Rynearson, Suess, Schnurbusch

More information

TOP 7 QUESTIONS PEOPLE ASK WHEN INVOLVED IN A TRUCK ACCIDENT

TOP 7 QUESTIONS PEOPLE ASK WHEN INVOLVED IN A TRUCK ACCIDENT TOP 7 QUESTIONS PEOPLE ASK WHEN INVOLVED IN A TRUCK ACCIDENT (888) 839-5444 18wheeler-accident-lawyers.com Houston Office: 2700 Post Oak Blvd. Ste 1120 Houston, Texas 77056 TOP 7 QUESTIONS PEOPLE ASK WHEN

More information

PRE-2011 STOCK OPTIONS ELECTION DEADLINE MAY BE APRIL 30

PRE-2011 STOCK OPTIONS ELECTION DEADLINE MAY BE APRIL 30 MARCIL LAVALLÉE Tax Letter Marcil Lavallée March 2011 In this issue: PRE-2011 STOCK OPTIONS ELECTION DEADLINE MAY BE APRIL 30 CAPITAL GAINS OR INCOME? HIGH TAXES ON MODEST EMPLOYMENT INCOME COURT CASES

More information

Outline of insider trading

Outline of insider trading Internal training materials Outline of insider trading Trainers: These materials provide a simple explanation of insider trading. Slides 1 through 10 provide a basic overview of insider trading regulations,

More information

Part 7 Overpayments and Fraud

Part 7 Overpayments and Fraud Part 7 Overpayments and Fraud 101 What if I was overpaid SNAP benefits? If you get more SNAP benefits than you are eligible for, DTA can recover the overpayment. 106 C.M.R. 367.490. An overpayment can

More information

Exempt Market Securities

Exempt Market Securities Exempt Market Securities Look Before You Leap! Canadian Securities Administrators Autorités canadiennes en valeurs mobilières With her real estate business booming, Marie was looking for ways to invest

More information

Can you handle the truth?

Can you handle the truth? 2 Can you handle the truth? Do you remember the first time you heard about self-directed IRAs? Chances are, the phrase, too good to be true was running through your head. Then, when you went to talk to

More information

PROJECT PRO$PER. The Basics of Building Wealth

PROJECT PRO$PER. The Basics of Building Wealth PROJECT PRO$PER PRESENTS The Basics of Building Wealth Investing and Retirement Participant Guide www.projectprosper.org www.facebook.com/projectprosper Based on Wells Fargo's Hands on Banking The Hands

More information

Equity Release. A guide to our Lifetime Mortgage products

Equity Release. A guide to our Lifetime Mortgage products Equity Release A guide to our Lifetime Mortgage products Introducing Retirement Advantage 2 A guide to our Lifetime Mortgage products Retirement Advantage is a wellestablished company that can trace its

More information

A Personal Representative s Guide to Probate

A Personal Representative s Guide to Probate A longer title for this article would be What does it mean for you to be the personal representative and for me to be your lawyer? This guide addresses our respective responsibilities assuming that you

More information

A small business guide to. Income replacement for business owners

A small business guide to. Income replacement for business owners 1 Exclusive Report A small business guide to Income replacement for business owners Warning: Content may increase business cash-flow when too sick or hurt to work. It won t if you don t plan! 2 2013 by

More information

SPECIAL REPORT: Elder Law: Asset Protection Planning Explained

SPECIAL REPORT: Elder Law: Asset Protection Planning Explained Call today: 757-399-7506. We help families navigate the legal maze and implement plans to secure their futures. SPECIAL REPORT: Elder Law: Asset Protection Planning Explained ELDER LAW: ASSET PROTECTION

More information

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE A MESSAGE FROM THE CHAPTER 13 STAFF The Chapter 13 staff understands that making the decision to file bankruptcy was not easy. Some of the many factors which cause people to file bankruptcy include loss

More information

ForThePeople.com Representing the People, Not the Powerful 1 Commerce Square, 26th Floor Memphis, TN (901)

ForThePeople.com Representing the People, Not the Powerful 1 Commerce Square, 26th Floor Memphis, TN (901) Representing the People, Not the Powerful 1 Commerce Square, 26th Floor Memphis, TN 38103 (901) 333-1900 ForThePeople.com 877-667 - 4265 ATTORNEY ADVERTISING: Prior results do not gurantee or predict a

More information

PARSONS PROFESSIONAL CORPORATION

PARSONS PROFESSIONAL CORPORATION PARSONS PROFESSIONAL CORPORATION Chartered Professional Accountants 245 Yorkland Blvd., Suite 100 Toronto, Ontario M2J 4W9 Tel: (416) 204-7560 Fax: (416) 490-8275 TAX LETTER March 2018 LAST CHANCE TO GET

More information

ForThePeople.com Representing the People, Not the Powerful 107 South Fifth St. Paducah, KY (270)

ForThePeople.com Representing the People, Not the Powerful 107 South Fifth St. Paducah, KY (270) Representing the People, Not the Powerful 107 South Fifth St. Paducah, KY 42001 (270) 558-6870 ForThePeople.com 877-667 - 4265 ATTORNEY ADVERTISING: Prior results do not gurantee or predict a similar outcome

More information

LOCAL LAWYER UNDER FIRE

LOCAL LAWYER UNDER FIRE LOCAL LAWYER UNDER FIRE Wyoming Tribune-Eagle (Cheyenne, WY) April 4, 1999 Dana Biebersmith CHEYENNE -- A dark cloud of suspicious activity hovers over a Cheyenne divorce attorney already facing two malpractice

More information

BUYING YOUR FIRST HOME: THREE STEPS TO SUCCESSFUL MORTGAGE SHOPPING MORTGAGES

BUYING YOUR FIRST HOME: THREE STEPS TO SUCCESSFUL MORTGAGE SHOPPING MORTGAGES BUYING YOUR FIRST HOME: THREE STEPS TO SUCCESSFUL MORTGAGE SHOPPING MORTGAGES June 2015 Cat. No.: FC5-22/3-2015E-PDF ISBN: 978-0-660-02848-4 Her Majesty the Queen in Right of Canada (Financial Consumer

More information

Club Accounts - David Wilson Question 6.

Club Accounts - David Wilson Question 6. Club Accounts - David Wilson. 2011 Question 6. Anyone familiar with Farm Accounts or Service Firms (notes for both topics are back on the webpage you found this on), will have no trouble with Club Accounts.

More information

Are You A Director Of A Corporation? Beware!

Are You A Director Of A Corporation? Beware! TAX UPDATE Are You A Director Of A Corporation? Beware! If you are listed on the provincial or federal public registry of companies as being a director of any corporation (including a non-profit or a charity)

More information

A REPORT ON PROTECTING YOUR ASSETS

A REPORT ON PROTECTING YOUR ASSETS T H E H E R I T A G E C O M P A N I E S Protecting Your Families Future A REPORT ON PROTECTING YOUR ASSETS WHITE PAPER 2008 telephone: 831-438-5047 fax: 831-438-3004 w w w. s a f e a n d s e c u r e a

More information

Helping your loved ones. Simple steps to providing for your family and friends

Helping your loved ones. Simple steps to providing for your family and friends Helping your loved ones Simple steps to providing for your family and friends Contents 01 How can I take control of who gets what? 02 Inheritance Tax 05 Do you know how much you re worth? 07 Making lifetime

More information

2015 Performance Report

2015 Performance Report 2015 Performance Report Signals Site -> http://www.forexinvestinglive.com

More information

THe machinists Pension Plan,

THe machinists Pension Plan, THe machinists Pension Plan, lodge 692 Pension Plan summary UPDATED MAY 2017 mission statement The Trustees of The Machinists Pension Plan, Lodge 692 shall use all their individual and combined skills,

More information

GETTING RID OF DEBT: WHAT IS THE BEST OPTION FOR YOU?

GETTING RID OF DEBT: WHAT IS THE BEST OPTION FOR YOU? GETTING RID OF DEBT: WHAT IS THE BEST OPTION FOR YOU? What debt are we talking about? What are the methods to get rid of debt? What are the benefits of each method? What are the downsides? How do I determine

More information

LAUREN ROSS Attorney at Law 2550 N. Hollywood Way Suite 404 Burbank, CA Tel.(818) Facsimile (818)

LAUREN ROSS Attorney at Law 2550 N. Hollywood Way Suite 404 Burbank, CA Tel.(818) Facsimile (818) LAUREN ROSS Attorney at Law 2550 N. Hollywood Way Suite 404 Burbank, CA 91505-5046 Tel.(818) 847-0211 Facsimile (818) 847-0214 INITIAL CONSULTATION AGREEMENT AND REQUIRED NOTICES Please Note: These documents

More information

A Different Take on Money Management

A Different Take on Money Management A Different Take on Money Management www.simple4xsystem.net Anyone who read one of my books or spent time in one of my trade rooms knows I put a lot of emphasis on using sound Money Management principles

More information

Home Renovations and Repair

Home Renovations and Repair Home Renovations and Repair June 2005 This tipsheet is intended to provide general information and is not a substitute for legal advice. This tipsheet has two parts: general information about hiring any

More information

Insights and Commentary from Dentons

Insights and Commentary from Dentons dentons.com Insights and Commentary from Dentons On March 31, 2013, three pre-eminent law firms Salans, Fraser Milner Casgrain, and SNR Denton combined to form Dentons, a Top 10 global law firm with more

More information

Social Security Disability Benefits

Social Security Disability Benefits Social Security Disability Benefits A Guide to Social Security Disability Important information for Veterans inside! Roger Skip Ritchie, Jr. Attorney and Consumer Advocate Social Security Disability Benefits

More information

Bankruptcy FAQs - Luongo Bellwoar LLP

Bankruptcy FAQs - Luongo Bellwoar LLP Bankruptcy FAQs - Luongo Bellwoar LLP A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot

More information

Conditional Fee Agreement Explanation Leaflet. What you need to know about the CFA

Conditional Fee Agreement Explanation Leaflet. What you need to know about the CFA Conditional Fee Agreement Explanation Leaflet. What you need to know about the CFA 1) Explanation of words used (a) Appeal - Any action taken to challenge a final or interim decision of the court (b) Applicable

More information

How to Solve Your Tax Problems Using Four Critical Steps

How to Solve Your Tax Problems Using Four Critical Steps How to Solve Your Tax Problems Using Four Critical Steps Owing the Internal Revenue Service (IRS) more than you can pay is stressful; however, there are options available that you may not know exist. Whether

More information