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V.G. is a sheetrock installer who was working on a new construction residential project in Brooklyn. One day, while working on a wobbly ladder, V.G. fell and sustained multiple injuries including a fractured left wrist. Because of this injury, V.G. had experienced significant pain and suffering which resulted in him needing surgery.

Due to his unfortunate incident, V.G. sought to find a reputable law firm with years of experience to help him obtain compensation for the harm he endured. His search led him to Hill & Moin. Once V.G. reached out to Hill & Moin, he was immediately met with steadfast care and diligence. Hill & Moin made sure that he was in the best hands throughout the whole process. Because of Hill & Moin’s excellent and reliable staff, V.G. was able to earn a settlement of $3.55 million.

V.G. was elated to hear that Hill & Moin was able to secure such a large settlement. This favorable result reinforced his belief that Hill & Moin is an excellent law firm that can garner multimillion dollar awards. V.G. was beyond satisfied with their fantastic representation and communication. Whenever V.G. needed anything, Hill & Moin did their best to be of assistance. V.G. would unequivocally recommend Hill & Moin to anyone who suffered a personal injury.

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J.M. was living in a NYCHA building with his girlfriend. He had decided to head outside and took the stairs. He was going down the stairs when he tripped and fell due to a defective step. This incident resulted in J.M. suffering a fractured left foot.

J.M.’s search for a well-established and professional law office with decades of experience led him to Hill & Moin. He investigated their prior results and knew this was the firm for him. He gave them a call and their office immediately began working on his premises liability case. Thanks to their legal expertise and determination to obtain the best results, J.M. became the recipient of a six-figure settlement.

J.M. was very pleased upon learning the outcome of his case. He described working with Hill & Moin as excellent and commended their great communication skills and exceptional staff. J.M. highly recommends Hill & Moin to anyone who has suffered a serious personal injury as a result of an accident and is looking for high quality legal representation.

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Audrey C. and her husband were heading to their car that was parked in a parking lot. She had noticed that a truck was blocking the exit to the driveway and her car would not be able to squeeze through. She decided to walk over to the two truck drivers to ask that they move their truck and as she was walking over, she slipped and fell due to ice. Audrey C. suffered a fractured leg.

Audrey C. began searching for legal representation and was recommended by a colleague to Hill & Moin. Although the case was complicated by a bankruptcy, through Hill & Moin’s many years of experience and legal expertise, Audrey C. became the recipient of a $260,000 settlement. The client raved about the quality of legal representation she received and could not have been happier with the outcome.

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M.L. never could have imagined that a visit to her sister would end in a fall on defective steps causing a fractured ankle. She knew that she would pursue her legal remedy.

M.L. decided to search for a reputable law firm with many years of experience and proven results and was recommended to Hill & Moin. Upon contacting the office of Hill & Moin, she sat with premises liability attorneys who understood what she was going through and explained all the nuances of the legal proceedings. Thanks to their hard work and legal expertise M.L. knew she had attained the best possible results – a $355,000 settlement.

M.L. was very impressed and ecstatic with all that Sandy and Cheryl did for her. She appreciated all of the attorney and staff members’ exceptional communication skills in answering her questions and responding to her concerns. M.L. plans to use some of her settlement proceeds to go on vacation to Puerto Rico and visit friends and relatives. She recommends Hill & Moin to all seriously injured victims looking for experienced and reputable legal representation.

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G.D., a retired dentist, wanted to enjoy a cool and beautiful summer night. He met up with his son to catch up and walk over to the boardwalk. G.D.’s son was walking in front of his father when he suddenly heard his father fall behind it. This incident was caused by a defective sidewalk and resulted in G.D. suffering a torn meniscus, partial ACL tear in his right knee and fractured arm.

G.D. began his search for a high quality and reputable law firm with proven prior results and was recommended to Hill & Moin. He looked into the firm and was impressed by their prior results and the high reviews online by former clients. G.D. contacted and retained the firm. Hill & Moin immediately went to work on his slip and fall case and thanks to their legal expertise, drive and determination to achieve the best results, G.D. was the recipient of a $350,000 settlement.

G.D. was very impressed upon learning the outcome of his case. He described working with Hill & Moin as excellent and commended the staff members for their wonderful communication. G.D. highly recommends Hill & Moin to those looking for a most qualified and excellent law firm to handle their personal injury cases.

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Little did T.S. know that when she went to the church food pantry, she would fall on an unmarked step when exiting the premises, resulting in a fracture of her left knee.

While searching for a top-notch personal injury firm, she was recommended to Hill & Moin. T.S. did her research and was extremely impressed by the firm’s prior results and settlements. She retained the firm and, thanks to Hill & Moin’s dedication, T.S. was the recipient of a $295,000 settlement.

T.S. was excited about the unexpected outcome of her trip and fall case. T.S. emphasized that the attorneys did an excellent job handling her litigation and praised the staff who treated her so well. T.S. plans to use some of her settlement proceeds to renovate her house. T.S. recommends that seriously injured victims of negligence in New York City and New York State contact Hill & Moin.

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After suffering from a life-altering injury you will need substantial time to recovery and you may be unable to work and receive your usual paycheck. As you are recovering, you might see bills begin to pile up and experience a sense of panic as to how you are going to pay them. Personal injury cases may take years to settle and within that time the bills will continue to mount. Your workers’ compensation benefits might be delayed or might be insufficient to sustain your daily cost of living.  It might come as an initial shock to see that you won’t be able to pay your monthly bills and will need a loan to bridge the gap. No matter the case (slip and fall, construction accident, auto accident, medical malpractice) a loan may be the only route to help you stay afloat until the end of your case. In New York State, funding companies provide lawsuit loans or pre-settlement loans. This is a funding option given to plaintiffs as they wait for their case to resolve.

Lawsuit loans are vastly different than personal loans. Generally, when you take a pre-settlement loan in a personal injury case, the lender will not seek repayment in the event that you lose your case, just as the personal injury attorney will not seek repayment of their expenses if you lose your case. This means that it is extremely risky for a funding company to lend money to you. As a result, the funding company will charge extremely high interest rates. Some interest rates may reach 27%-60%. Be certain to read the terms of your contracts to know exactly what you are signing.  Because the interest rates are so high, if and when you get a settlement, you may notice a large deduction from your gross recovery. The funding company will be paid back directly from your settlement proceeds. The good thing is the funding companies will not need to evaluate your credit history when offering you a loan because their determination whether to extend you a loan will be solely based upon the merits and value of your case.

How do I Know if I Need to Take Out a Loan?

The decision to seek a pre-settlement loan is a very serious one that can have major implications on your future financial recovery. Before you decide you need the loan, look at all your fixed costs and make a budget for yourself. Look to see if there are adjustments that can be made to your budget that might eliminate your need to take the loan. If friends or family can loan you money instead, you would be well advised to borrow from them instead of a funding company. Friends and family do not charge extremely high interest rates.

If you think a loan might be absolutely necessary, reach out to your attorneys to get their advice as to whether you should get such a loan. Your attorney may be able to advise you of the legal implications of the loan, and if you decide to proceed with the loan, advise you of the companies that may offer you the best terms. Never sign anything before carefully reading a funding loan agreement and speaking with your attorney. If you do proceed with the loan, you must understand that the interest owed to the funding company will grow exponentially over the life of your case.

If you recover money in your case, the funding company will have an enforceable lien on your funds. You will only receive your settlement check after the attorney is paid, the disbursements on the case are repaid to the attorney and all liens including loans, Medicare, Medicaid, doctors’ bills and public assistance repayments are paid. The amount you owe the funding company will come out of the settlement before you receive your check. So, it is important that you understand what you are getting yourself into before you rush into taking out a loan. Lawsuit loans are also not regulated in the manner of a personal loan such as a mortgage or car loan, which is why it is crucial you deal with a reputable company. Some might characterize the transaction, not as a loan, but as a high-risk investment in your case.

Medical bills, lost wages, and daily living expenses may collectively cause a great burden for you as you try to recover from a catastrophic injury. Your well-being is paramount as you await the settlement of your case. A loan may empower you financially and put you back on your feet as everything gets sorted out. Unfortunately, the loan may cost you a significant amount of your recovery from your case. Before you rush to borrow from a funding company, contact your attorneys to alert them to your financial situation so they may advise you of the best plan to secure your future.

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If you find yourself in a less than optimal situation with your current attorneys and are wondering if you can switch attorneys, the answer is yes. In New York State you have the right to switch attorneys at any point in the case. At the end of the day, it is vital that you are satisfied with your representation. Your relationship with your attorney is crucial to ensuring the success of your case. Your attorneys are speaking on your behalf, representing your interests, and serving your needs. There should be total trust between you and your attorneys, as well as open communication and agreement on the strategy you will pursue. It is important that your attorney is acting professionally, meeting deadlines, being consistent, making progress moving your case forward, communicating the status of your case, and working with you to achieve your mutual objectives. If you are not comfortable with your attorneys, it might be time to seek legal advice elsewhere or obtain a second opinion. This is your case, and you have the right have it handled by attorneys you trust. You and your attorneys should be a team, never adversaries. It is best to seek new counsel as soon as you see that your relationship with your original attorneys has become irrevocably damaged.

I Need to Change Attorneys, What’s Next?

If you decide it is time to change counsel, you should set up an appointment with new attorneys to set up a complimentary evaluation of your pending case. You and your attorneys will discuss all the issues with how your case has been litigated to that point and determine what is the best plan for your case moving forward. If you decide to make a change, your new counsel will ensure a smooth transition occurs in transferring the legal file from your old attorneys. Your new attorneys will take complete charge of the transition and ensure they promptly secure access to your legal file. You also will not have to worry about paying two sets of lawyers. If you later secure a financial recovery, you will still pay only one legal fee, and from that fee, the lawyers will resolve how the legal fee will be apportioned between the firms. But this should not and will not be your concern.

You might ask how the transition is made. Since you want to avoid a gap in representation you will want to retain new counsel prior to discharging your current attorney. Your new counsel will explain to you how to terminate the relationship in writing and ensure that the opposing attorneys, insurance carrier, and the court is all made aware that you have officially retained new counsel.

Your new attorney will ask you to bring any correspondence or documents that you have in your possession from your current attorney to your first appointment. Your new attorney will want to carefully review the file before committing to substitute for your original attorneys. You can expect the attorney to ask many questions in order to get up to speed on your case.

If your case has already been filed, your new attorney will prepare a “consent to change attorney” document. This is a formal notice to the court and all other parties involved that a new counsel is taking over representation.

Personal injury lawsuits can take years and it is important that you trust the firm you have retained. You need a firm that will communicate with you, respect you, and most importantly look after your best interests. Choosing an attorney is a big decision, and if you conclude that you might have chosen the wrong one, it is important for you to retain new attorneys you believe will best represent your interests.

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If you break a bone, you wouldn’t think twice about consulting a doctor. If you are building a house, you would first call a contractor. But you may not know that when you find yourself in an accident, it is critical that your first call should be to hire skilled personal injury attorneys with ample experience understanding the nuances of the law so you can recover fair and reasonable compensation for your injuries.

If you are asking yourself whether it is worth it to hire a personal injury lawyer, the answer is clearly yes. Don’t convince yourself that you will be “saving money” if you decide to represent yourself. You will almost surely cost yourself far more money than you would pay qualified personal injury attorneys for their legal fee.

First, it is important to understand how personal injury attorneys get paid. Unlike attorneys that may offer you a service where they bill you by the hour, your personal injury attorneys will take a case on a contingent basis. This means that they will advance the costs of litigation on your behalf and will only recover those costs as well as their legal fee if they can secure you a financial recovery. Because personal injury attorneys do not make any money, and in fact lose money when they cannot secure monetary compensation for injured victims, they generally do not take personal injury cases they believe will not result in a financial recovery. If you entrust your case to a trusted personal injury attorney, you will know you have hired a skilled legal professional that believes in your case and will fight to get you every dollar you are owed.

Furthermore, the legal system is simply not set up for individuals to successfully represent themselves in personal injury actions. If you were to handle your own personal injury case in court, you would be responsible to know all deadlines for filing of legal papers, how to draft pleadings and motions and other legal documents and appear at regular court conferences. You would be responsible to comply with court orders you may not understand or else risk dismissal of your case. You would be expected to be know the legal requirements of your case, even though you lack the legal experience to do so. The defense would likely take advantage of your lack of expertise and inundate you with discovery demands that they know you will not be able to handle. Furthermore, you would not know when the defendants are demanding something proper and when they are simply fishing for harmful information that could hurt your case. Without an attorney, you would have an extremely difficult time navigating the complexities of your case and would likely lack the time and resources to succeed.

How Can a Personal Injury Lawyer Help Me?

When you hire skilled, experienced personal injury attorneys, they will handle every aspect of your case for you. This will ensure that you do not have to worry about the day to day requirements of prosecuting your case, and instead you can focus on getting medical treatment and recovering after a serious injury. You need trusted counsel who understands the law and how insurance companies operate. You need attorneys who know how to gather the proper evidence and hire experts that will maximize the value of your case. You need attorneys who will prepare you for every important question that you may be asked at your deposition. Finally, you need attorneys who know the value of your case and are skilled in negotiating the highest possible monetary value for your case. Without a trusted attorney on your side, you would have no idea when you are being offered fair and reasonable compensation for your injuries.

The insurance company you are filing a claim against will have attorneys fighting on their side, and you have the right to put up the same fight. In addition, insurance carriers simply do not take cases as seriously when victims do not retain a qualified attorney to fight for them. According to a study by Insurance Research Council, an individual who hires legal representation is likely to get a compensation package that is three times larger than any compensation you might receive on you own. There is truly nothing to lose and everything to gain by hiring trusted, skilled personal injury attorneys that will fight to get you the monetary compensation you deserve while you attempt to move on with your life following a devastating injury.

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