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What is Predatory Lending?
What is Predatory Lending and if I don’t pay back a loan? Predatory lending benefits a lender at the expense of a borrower. Practices include charging unfair fees and rates or setting borrowers up for failure. Read more info here. No, the “worse case scenario” would be a judgment against you on the records…
Harassment in the workplace
All employees have the right to work in an environment free from discrimination and harassing conduct. No State employee shall engage in conduct that falls under the definition of unlawful workplace harassment, including sexual harassment, or retaliation, and no employment decisions shall be made on the basis of race, sex, religion, national origin, age,…
What’s the Difference Between Medical Malpractice and Negligence?
In some circles, the terms “negligence” and “medical malpractice” are used interchangeably. However, there are clear differences. In reality, medical malpractice is a subcategory of negligence. Both of these concepts require a medical professional’s actions or lack of action to lead to the injury or death of a patient. However, in the case of…
If someone used my debit card online unauthorized to do so and I dispute the charges, can the bank deny credits back to me?
When Banks Can Refuse to Refund Fraudulent Debit Card Charges If you are a victim of debit card fraud, you are responsible for the following: $0 if you report the loss or fraud immediately and the card has not been used, Up to $50 if you notify your bank within 48 hours of your…
Can a practice legally refuse to treat a patient if they have an unpaid balance but they haven’t been officially dismissed from the practice?
In all patient challenges, the most important goal is to avoid a claim of patient abandonment and assure that patient care is not neglected. Regardless of the reason for your issues with a patient, whether it’s unpaid bills, failure to follow advice, or mistreatment of staff, the same advice applies. For more information, read…
What happens to our assets as a couple when we decide to divorce and do not have a pre-numptial agreement or any documents signed addressing this when entering the marriage?
Court Division. During the divorce process, North Carolina couples can make their own property settlement agreement, either on their own or with the help of mediation. If the spouses cannot agree, they can request that the court divide their assets.
What happens if I slip and fall on the painted line outside of a store due to rain and the pavement being smooth there?
North Carolina negligence laws follow the doctrine of contributory negligence, which bars recovery by the plaintiff if he or she is partially at fault. The majority of other states follow the doctrine of comparative negligence, in which the amount of damages is reduced in proportion to the plaintiff’s degree of fault. Therein is the…
Do I need antibiotics for a tooth infection, dental implant, bone graft or other dental work and is it required for my Dentist to prescribe them?
Use of antibiotics should be judicious and carefully thought out. Just because you have an “infection” in your tooth, it does not mean you need an antibiotic. Also, not all “infections” are actually infections. Not all infections can be cured by antibiotics alone. For more information, read here.
New Certificate of Assumed Name Statutes
New Certificate of Assumed Name Statutes North Carolina has revised its law regarding the use of assumed business names. The new Article 14A of Chapter 66 in the NC General Statutes became effective December 1, 2017. This new law allows for a five-year transition period for all pre-existing assumed business name filers to re-file…
The Dangers of Spray Polyurethane Foam
The Dangers of Spray Polyurethane Foam (SPF): Why Homeowners Should Think Twice About Installing SPF in Their Homes. Homeowners are often told by contractors that spray polyurethane foam (SPF) is a better option for insulating their home. Contractors and installers sell SPF to homeowners by telling them that the product is environmentally friendly and…