Wednesday, May 30, 2007

How to Get Vioxx Lawsuit Funding - Legal Cash Advance?

Plaintiffs involved in Vioxx, Fen-Phen and Zyprexa product liability lawsuits do not realize they can now get legal cash advance or lawsuit funding, while they are waiting for their lawsuit settlement money. It is called lawsuit funding and often referred as lawsuit loan, legal cash advance, legal finance, legal financing, litigation financing, pending lawsuit loan, lawsuit cash advance and lawsuit advance funding.

Vioxx is a non steroidal anti-inflammatory drug (NSAID) developed by Merck & Co. to treat osteoarthritis, acute pain conditions, and dysmenorrhoea. Vioxx was approved as safe and effective by the Food and Drug Administration (FDA) on May 20, 1999. Vioxx was supposed to be the super aspirin and block buster arthritis drug that would relieve pain safely.

On September 30, 2004, the pharmaceutical giant Merck & Co. had pulled Vioxx from the market following study results confirming earlier concerns that Vioxx increases the risk of cardiovascular problems, including heart attacks and stroke.

Vioxx was sold around the world and in all it was taken by about 20m people. A large percentage of these people suffered drastic side effects including blood clots, heart attacks, and stroke. Nearly 4,200 individual and class action Vioxx lawsuits were filed in U.S.A.

Vioxx lawsuits fall under a category known as products liability, claiming that the manufacturers of Vioxx (Vioxx lawsuit defendants) or their distributors knew that the drug could cause harm. Merck has reserved $970 million to pay for its Vioxx-related legal expenses through 2007.

It does not seem fair for the plaintiffs, that even if they would win their Vioxx settlement lawsuit, they may lose because too little settlement money comes in too late. They need money now. Most of the plaintiffs, because of their medical conditions have missed work or lost their jobs. They have to pay their mortgage/ rent, medical bills, car payments and other monthly bills. Unfortunately their options are very limited.

But now this new risk free Vioxx lawsuit settlement funding or litigation financing program is great help to Vioxx product liability lawsuit plaintiffs. With a legal cash advance or pending lawsuit loan, on your Vioxx lawsuit settlement, you reduce the financial and emotional stress on you and your family.

But in true sense, these are not loans because the money does not have to be paid back unless the case is won or settled. These are non- recourse legal cash advances. It carries no risk because Vioxx product liability lawsuit plaintiffs pay only when they get their Vioxx settlement money from Defendant Company.

Litigation financing or so called Lawsuit loan can help them buy some time with a legal cash advance on their Vioxx product liability lawsuit settlement.

Vioxx Lawsuit Funding or Lawsuit Loan: How does it work?

There are many advantages of Vioxx lawsuit funding or litigation financing Program. The process to receive lawsuit loan or legal cash advance is risk free & simple. There are no monthly payments. The total process is confidential, prompt and discreet.

1. Making an application for lawsuit funding or pending lawsuit loan is free and there is no obligation. A good and reputed litigation financing company should not charge any upfront fee or any application fee, processing fee or any monthly fee.

2. Plaintiff may have a bad or no credit. No employment requirement is required to apply for a lawsuit loan or lawsuit funding.

3. Quick and thorough underwriting process to qualify client (some times in 6-8 hours).

4. If approved for lawsuit funding or legal cash advance, funds are wired into your bank account, the same day. Of course, you can take a bank check also.

5. Plaintiff payback upon successful settlement/verdict of case.

6. If plaintiff loses case, plaintiff owes nothing to litigation financing or lawsuit funding company.
They can use the lawsuit loan or legal cash advance in any way they like.

They can use the money for living expenses; pay their bills, mortgage/ rent / car payments, medical treatment, education expenses. As a matter of fact use it any way they like.

By Paul Sherman
Paul Sherman is a Legal Funding Consultant.He offers free, professional, and independent advice to plaintiffs (incl. business owners) & Attorneys. To getLawsuit Loan & Structured settlement funding please visit http://www.easylawsuitfunding.com
Article Source: http://www.articlerich.com

Wednesday, May 23, 2007

Life after Bankruptcys

Bankruptcy is the last resort for any debtor wherein he/she legally declares the inability to pay back the debt owed. In most cases bankruptcy is initiated by the debtor or the organization. However creditors can also request bankruptcy in an effort to get back what they are owed. After filing bankruptcy you can choose the life you want to live – you can either re-build your finances or plummet deeper into the abyss.

Follow The Checklist below and You're Going to Emerge Unscathed Even after Bankruptcy
• Restrict or if possible STOP using credit cards
• If required get a secured bankruptcy credit card an pay your dues regularly
• Wait for two years before availing mortgage or even bankruptcy car loan to get the best interest rates
• Get copies off your credit reports and ensure that your accounts are listed as discharged

Bankruptcy Loan – Getting a Loan after Bankruptcy
Availing small and easily repayable bankruptcy loan – be it bankruptcy home loan or even bankruptcy car loan, will help you not just deal with your financial obligations but it will also help you rebuild your credit rating. A small bankruptcy personal loan is the ideal solution to repair your credit status. However there are some facts about bankruptcy loans that you must be aware of.

Firstly, bankruptcy loans are recommended only for people who have declared themselves bankrupt and only after their case has been discharged, their creditors have been paid. You have to wait for at least 2 years for your bankruptcy home loan or bankruptcy car loan application to be approved without unnecessary delay. Generally lenders perceive bankrupts as threats and don’t particularly want to risk lending to a recently discharged bankrupt. If you have chosen Chapter 7 Bankruptcy you must wait for 2 years to apply for a loan and in case of Chapter 13 Bankruptcy you need to first pay the full amount to your creditors before applying for a loan.

Can You Get A Credit Card After Bankruptcy?
You owned a home and hardly ever defaulted on your monthly payments. Your credit report sparkled. But unfortunate health circumstances forced you out of your job and you had to file for bankruptcy…Today you are looking for bankruptcy credit card without being charged outrageous interest rates. So what are you’re choices? You can choose between secured credit card for bankruptcy and unsecured credit card after bankruptcy.

Secured bankruptcy credit card is secured by a savings account you establish with your creditor. This savings account works as collateral for your credit limit. If you default on your payment your creditor will take money from the savings account. If you’re looking for a risk free credit card after bankruptcy – unsecured bankruptcy credit card is the option for you as it does not require any collateral.

Many people think about filing bankruptcy but the fear of life after bankruptcy hold them back. The information offered in this article aims to enlighten you on what you can expect when you have filed for bankruptcy.

By Reethi Rai

Reethi Rai Content Developer for finance sites. For more information and help log onto Bankruptcy
Article Source:
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Friday, November 24, 2006

Mesothelioma Lawyer - Upholding The Rights of people If Not Life

Had it not been for the Mesothelioma lawyers the reign of terror unleashed by the widespread use of asbestos would have left the American society scarred just as asbestos leaves scarring marks in the lungs! Quite aptly, a Mesothelioma lawyer is regarded as the guardian of the Mesothelioma victims.

Mesothelioma is a type of cancer; an ailment of the mesothelial cells that line the internal body organs. Typically associated with the exposure to asbestos, Mesothelioma is very rarely diagnosed at its early stage. Consequently, most cases are not detected before they reach malignancy.

As regards asbestos, man has been familiar with its heat and combustion resistant properties since the ancient times. People of the prehistoric civilizations were open to the use of asbestos. All the while, however, man was in the dark about the hazardous effects of asbestos. America saw the maximum use of asbestos during the two World Wars. Rampant use of asbestos was made in the shipping, construction and combat equipment manufacturing industries.

Once the dangers of asbestos exposure were recognized, legal regulations aimed at eliminating the use of asbestos (rather the abolition of asbestos) were introduced. Today, the US law does not prohibit the use of asbestos but attributes deadly consequences to its use. The legal regulations and warnings, however, failed to deter all employers and masked use of asbestos continues in certain fields.

This denial, on the part of the US employers, to abide by the asbestos regulations has given rise to hundreds of asbestos litigation claims. Some eminent lawyers and law-firms have come forward to safeguard the interests of the Mesothelioma. Every state of US now has its own Mesothelioma lawyers and law firms. The proceeding being quite complicated, people (who have been diagnosed with Mesothelioma or those who have been exposed to asbestos) approach lawyers and law-firms for help regarding their asbestos lawsuits.

These days, the Mesothelioma attorneys file class action lawsuits against those manufacturers who continue to use asbestos in their products and expose their employees to the probable health threats. (Class action lawsuit is a legal device that allows a person or persons to sue or be sued as the representative of a group of people; however, it also requires all of them to have a common interest). Class action lawsuits, upholding the liability of employers and seeking compensation for the harm caused to employees, have restored the peace of mind (even if it is only a bit) of the Mesothelioma victims and their near and dear ones.

Law-firms fielding competent Mesothelioma lawyers with proven records of accomplishment can pull off advantageous monetary settlement in the form of reimbursements for the Mesothelioma victims. Mesothelioma settlements, ranging from few hundreds of thousands to millions of dollars, depend on the lawyers’ skill in pinpointing the cause of asbestos exposure. Once this hurdle is crossed, the Mesothelioma lawyer investigates into the avenues of working out the smartest deal for the Mesothelioma litigation claim. In case of litigations being handled by experienced lawyers, manufacturers readily agree to the settlement proposals benefiting the Mesothelioma victim as well as the family members and the society at large.


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The Fact About Mesothelioma Cancer

What is Mesothelioma Cancer?

Mesothelioma cancer is an extremely rare cancer form that is only found in the mesothelium. This form of malignancy generally affects those people who have been exposed to a situation where asbestos is present, typically those who have worked in buildings where it was used as a fire retardant..

What happens when a person has Mesothelioma Cancer?

This type of cancer directly affects the mesothelium and causes abnormal cells. These cells begin to divide rampantly. They invade and cause damage to all organs and tissues that are near the effected area. Mesothelioma cancer tends to spread fairly quickly throughout the body, as well.

Mesothelium

This is the membrane that protects and covers many of the organs within your body. The membrane is made up of cells and is in separate layers. The first layer surrounds the organ extremely close and the second creates a protective sac around the organs.

Studies show that only 2,000 people each year are diagnosed with Mesothelioma cancer in the U.S. Studies further show that men are more apt to contract this type of cancer than women. However, Mesothelioma Cancer knows no boundaries and can be found in both genders. Typically, the older the person is, the more at risk they are for developing Mesothelioma cancer.

Who is at risk for Mesothelioma Cancer?

Anyone who is exposed to asbestos in large quantities and for long periods of time are especially at risk for developing Mesothelioma cancer. It is impossible to say who exactly will develop Mesothelioma cancer because it has been found in those who had only very little exposure to asbestos and those who had no exposure at all, but lived with someone who had a good deal of exposure to them. The risk to those living with someone works in asbestos filled areas is high.
Asbestos is brought home by the worker as dust on his or her hair or clothing.

Mesothelioma Cancer Symptoms

Mesothelioma cancer is a slow growing type of cancer. Some cases do not see any type of symptoms until thirty to fifty years after asbestos exposure. Some symptoms can include:

Chest Pain
Shortness of breath
Sudden Weight Loss
Pain in the abdominal region
Abdominal swelling
Bowel Obstruction
Blood Clots
FeverAnemia
Trouble Swallowing
Facial SwellingNeck
Swelling

Treatment of Mesothelioma Cancer

There are a few different treatment options available for those diagnosed with Mesothelioma cancer. The method of treatment will depend upon many different things such as the age, overall health, where the Mesothelioma cancer is located and the stage the Mesothelioma Cancer is in. The three typical types of treatment include radiation therapy, chemotherapy, and surgery. In some cases, treatments may be combined if it proves beneficial to the patient.

Heather Colman

This article is Copyright © 2006, Heather Colman. Find more Mesothelioma cancer resources at mesotheliomacancerinfo.org.
Article Source:
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Asbestos Exposure Issues

Asbestos is a very dangerous substance to inhale. That’s why many companies hire professionals to remove asbestos from their workplace. Asbestos is so dangerous because the fibers that form asbestos can cause cancers such as mesothelioma, as well as other diseases. The danger in asbestos is when the material breaks down or open and the fibers become airborne. Unfortunately, dangerous exposure the asbestos can occur when even just a trace amount of fibers for a minute amount of time is present in the environment. Even then, the symptoms of trouble might not show for up to 40 years.

In general people come into contact with asbestos where they are employed or live. There are other dangerous places, however. Anyone living or working near a shipyard, steel mill, power plant, or refinery is at risk for asbestos exposure. Once again, the asbestos fibers break loose from where they’ve been hidden, and since they are airborne, they easily travel to neighborhoods that are close by. Other industrial sites that often have asbestos on site are maritime, building, car repair, especially brake or clutch work, roofing and railways.

Asbestos isn’t just found in business and industry. Before the 1970s, asbestos was used to insulate schools and residences. Some estimates put asbestos use prior to those years at 30 million tons in the US alone.

Now that you’ve seen this alarming news, how can you ensure that you’re safe? For one thing, not all houses built before 1970 used any asbestos. Secondly, the chief places where people are exposed to asbestos are industrial sites. Not only that, but more people that were exposed did not get sick as opposed to those who did.

If you have any fear at all that you may have asbestos in your home, call the Environmental Protection Agency (EPA). They will tell you how to find qualified technicians to come and examine your house. In the case that asbestos is found, they will help you get rid of it. The EPA will also have you get a separate risk assessment to confirm or dispute their finding.

Then, if you are thinking about building a home, unless the material is clearly labeled, you should assume it could have some level of asbestos in it. Therefore, until you can verify that the product is safe, you should contact the manufacturer to find out exactly what is contained in each type of material.

If you are buying a home from a private seller, by law, they are required to disclose any known hazards to you, which would include asbestos. Apartment complexes built prior to 1970 commonly have materials that include asbestos. Keep in mind that while it might be a scary thought of living where asbestos exists, remember, until the product with the asbestos breaks down or opens, the asbestos is not a health risk.

As of 1995, OSHA issued standards that require testing, maintenance, and disclosure of asbestos for the workplace. Rental property also falls under this ruling, meaning that property owners are required to disclose the presence of any existing asbestos to potential renters. Armed with that information, you can quickly decide whether to live there or look for other rental properly.

Joseph Amiante runs the Asbestos Pain, web site that focuses on a range of resources about asbestos issues. For more details, go to: http://www.asbestospain.com/ Article Source: http://www.articlerich.com/