[fusion_builder_container background_color="" background_image="" background_parallax="none" enable_mobile="no" parallax_speed="0.3" background_repeat="no-repeat" background_position="left top" video_url="" video_aspect_ratio="16:9" video_webm="" video_mp4="" video_ogv="" video_preview_image="" overlay_color="" video_mute="yes" video_loop="yes" fade="no" border_size="0px" border_color="" border_style="" padding_top="20" padding_bottom="20" padding_left="" padding_right="" hundred_percent="no" equal_height_columns="no" hide_on_mobile="no" menu_anchor="" class="" id=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" 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backgroundcolor="" inactivecolor="" bordercolor="" icon="fa-signal" icon_position="" icon_size="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id=""][fusion_tab title="Articles" icon=""][fusion_accordion divider_line="" class="" id=""] [fusion_toggle title="<b><u>Accident & Injury</u></b>" open="no"] <ul> <li><a class="anker-class" href="https://www.anandlaw.com/news-and-insights/legal-options-when-you-slip-trip-and-fall-in-a-store/">Legal Options When You Slip/Trip and Fall in a Store</a></li> <li><a class="anker-class" href="https://www.anandlaw.com/practices/personal-injury/statute-of-limitations-for-car-accidents-in-california-los-angeles-attorneys-orange-county-attorneys-riverside-attorneys-san-bernardino-attorneys-santa-barbara-attorneys/">Statute of Limitations for Car Accidents in California</a></li> </ul> [/fusion_toggle] [fusion_toggle title="<b><u>Bankruptcy</u></b>" open="no"] <ul> <li><a class="anker-class" href="https://www.anandlaw.com/news-and-insights/how-will-bankruptcy-affect-my-credit-score/">How Will Bankruptcy Affect My Credit Score?</a></li> <li><a class="anker-class" href="https://www.anandlaw.com/news-and-insights/bankruptcy-removing-liens-and-cramming-down-mortgages/">Removing Liens and “Cramming Down” Mortgages</a></li> </ul> [/fusion_toggle] [fusion_toggle title="<b><u>Business</u></b>" open="no"] <ul> <li><a class="anker-class" href="https://www.anandlaw.com/news-and-insights/usury-law-business-attorneys-los-angeles-orange-san-diego-santa-barbara/">Usury Law</a></li> </ul> [/fusion_toggle] [fusion_toggle title="<b><u>Entertainment</u></b>" open="no"] <ul> <li><a class="anker-class" href="https://www.anandlaw.com/news-and-insights/dont-give-away-your-ip-unless-you-mean-to-avoiding-licenses-without-agreements-put-it-in-writing/">Don’t Give Away Your IP Unless You Mean To. Avoiding Licenses without Agreements: Put it in Writing.</a></li> </ul> [/fusion_toggle] [fusion_toggle title="<b><u>Real Estate : General</u></b>" open="no"] <ul> <li><a class="anker-class" href="https://www.anandlaw.com/news-and-insights/how-to-put-a-lis-pendens-on-property-in-california-lis-pendens-attorneys-quiet-title-attorneys-los-angeles-orange-county-santa-barbara-county/">How to Put a Lis Pendens on Property in California</a></li> </ul> [/fusion_toggle] [fusion_toggle title="<b><u>Real Estate : Mortgage & Foreclosure Litigation</u></b>" open="no"] <ul> <li><a class="anker-class" href="https://www.anandlaw.com/news-and-insights/facing-foreclosure-what-must-lender-do-before-selling-my-property/">What Does the Bank Have to do Before They Can Sell My Home?</a></li> <li><a class="anker-class" href="https://www.anandlaw.com/news-and-insights/foreclosure-does-the-bank-have-to-accept-money-to-cure-the-default-reinstatement-of-loan/">Does the Bank Have to Accept Money I Offer Them to Cure the Default (Reinstate the Loan)?</a></li> </ul> [/fusion_toggle][/fusion_tab][/fusion_tabs][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="35px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][fusion_tagline_box backgroundcolor="" shadow="no" shadowopacity="0.7" border="1" bordercolor="#002c53" highlightposition="none" content_alignment="center" link="" button="" linktarget="_blank" modal="" button_size="medium" button_type="" button_shape="pill" buttoncolor="default" title="" description="" margin_top="" margin_bottom="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset=""] <h3 style="color: #002c53;"><a class="anker-class" href="http://www.anandlaw.com/faqs/" rel="noopener">LEGAL TERMS & FREQUENTLY ASKED QUESTIONS</a></h3> [/fusion_tagline_box][fusion_separator 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border_size="0px" border_color="" border_style="" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="" animation_speed="0.1" animation_offset="" class="" id="" min_height=""][fusion_section_separator divider_type="slant" divider_position="right" divider_candy="top" icon="" icon_color="" bordersize="" bordercolor="" backgroundcolor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" /][fusion_button link="tel:+13233253389" title="" target="_self" link_attributes="" alignment="center" modal="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" color="custom" button_gradient_top_color="" button_gradient_bottom_color="" button_gradient_top_color_hover="#ffffff" button_gradient_bottom_color_hover="#ffffff" accent_color="" accent_hover_color="#002c53" type="" bevel_color="" border_width="" size="" stretch="default" shape="pill" 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The information contained is not intended to be a complete recitation of the law, and is provided only as general information in an area—it may not contain all nuances of the law, and is not guaranteed to be correct or complete.  ANAND LAW PC ("ALPC") expressly disclaims all liability in respect to actions taken or not taken based on the information contained on this site. We invite you to contact us for more information by calling <strong>323-325-3389</strong>, or by <a class="anker-class" href="http://www.anandlaw.com/contact-us/">completing our contact form here</a>. However, contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until an attorney-client relationship has been established by a signed legal services agreement. 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[fusion_builder_container background_color="" background_image="" background_parallax="none" enable_mobile="no" parallax_speed="0.3" background_repeat="no-repeat" background_position="left top" video_url="" video_aspect_ratio="16:9" video_webm="" video_mp4="" video_ogv="" video_preview_image="" overlay_color="" video_mute="yes" video_loop="yes" fade="no" border_size="0px" border_color="" border_style="" padding_top="20" padding_bottom="20" padding_left="" padding_right="" hundred_percent="no" equal_height_columns="no" hide_on_mobile="no" menu_anchor="" class="" id=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title margin_top="" margin_bottom="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" size="1" content_align="center" style_type="default" sep_color=""] <strong><u>Don’t Give Away Your IP Unless You Mean To</u></strong> <strong>Avoiding Licenses without Agreements : Put it in Writing.</strong> [/fusion_title][/fusion_builder_column][fusion_builder_column type="3_4" layout="3_4" last="no" spacing="yes" center_content="no" hide_on_mobile="no" background_color="" background_image="" background_repeat="no-repeat" background_position="left top" hover_type="none" link="" border_position="all" border_size="0px" border_color="" border_style="" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="" animation_speed="0.1" animation_offset="" class="" id="" min_height=""][fusion_text] An implied license does not require any actual agreement—it arises solely from conduct and serves to allow others to use your intellectual property (“IP”).  There is no requirement that even a verbal understanding was reached.  Rather, an implied license is a legal concept that is created solely by the actions of parties and does not require any intention to allow such use. The implied license originated as a concept in patent law, and was then adopted in copyright cases.  It is now also applicable to the right of publicity. Generally, an implied license will be found where the following occurred: <ol> <li>At the request of a client</li> <li>An author creates a work</li> <li>Knowing the intended use by the client</li> <li>And provides the work to the client</li> </ol> For singers, producers, songwriters, and artists, an implied license will allow others to use your most valuable IP, copyrights and rights to publicity (e.g., voice, image, likeness), without any compensation, or without further compensation.  Moreover, if a payment is found to have been made, the license will be nonrevocable. Not only can you license your IP without any agreement, unless you explicitly limit the extent to which your IP is licensed, a Court will find the contours of the license to be as broad as reasonably possible.  In other words, unless there is evidence demonstrating that you limited the extent to which your IP may be used, an implied license will cover all uses reasonably anticipated, and without geographic limitation. It is critical that creators understand the situations under which you may be found to have transferred rights, and to avoid the implied licensing of your work by having thorough, written agreements in place.  Without a written agreement, you may be giving your rights away without compensation, without adequate compensation, and without knowing the parameters of the license that you have given. There may be situations where it makes sense to work for a low amount or even for free—e.g., in order to build a reputation, make connections, learn and develop skills—but, this should not be done without careful consideration of the pros and cons of doing so in the context of your career, and you should never give away your IP without knowing that you’re doing so.  Do it because you want and intend to, and because you are being fairly compensated in return (whether that compensation is monetary or otherwise).   And always, know what your rights are, and what you can expect for allowing other to use them, whether that is a one-time “buy-out” payment, or it includes residual payments based on the performance of the product, or is an alternative arrangement. © 2018 ANAND LAW PC [/fusion_text][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="35px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][fusion_section_separator divider_type="slant" divider_position="right" divider_candy="top" icon="" icon_color="" bordersize="" bordercolor="" backgroundcolor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" /][fusion_text] <h2 style="text-align: center;"><b>Click below to schedule a consultation. </b></h2> [/fusion_text][fusion_button link="tel:+13233253389" title="" target="_self" link_attributes="" alignment="center" modal="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" color="custom" button_gradient_top_color="" button_gradient_bottom_color="" button_gradient_top_color_hover="#ffffff" button_gradient_bottom_color_hover="#ffffff" accent_color="" accent_hover_color="#002c53" type="" bevel_color="" border_width="" size="" stretch="default" shape="pill" icon="fa-phone" icon_position="left" icon_divider="no" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset=""]Call Us[/fusion_button][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="35px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][fusion_button link="http://www.anandlaw.com/contact-us/" title="" target="_self" link_attributes="" alignment="center" modal="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" color="custom" button_gradient_top_color="" button_gradient_bottom_color="" button_gradient_top_color_hover="#ffffff" button_gradient_bottom_color_hover="#ffffff" accent_color="" accent_hover_color="#002c53" type="" bevel_color="" border_width="" size="" stretch="default" shape="pill" icon="" icon_position="left" icon_divider="no" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset=""]Contact Us Online[/fusion_button][fusion_section_separator divider_type="slant" divider_position="right" divider_candy="bottom" icon="" icon_color="" bordersize="" bordercolor="" backgroundcolor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" /][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="35px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][fusion_text] The information on this site is provided for informational purposes only and does not constitute legal advice. The information contained is not intended to be a complete recitation of the law, and is provided only as general information in an area—it may not contain all nuances of the law, and is not guaranteed to be correct or complete.  ANAND LAW PC ("ALPC") expressly disclaims all liability in respect to actions taken or not taken based on the information contained on our site. We invite you to contact us for more information by calling <strong>323-325-3389</strong>, or <a class="anker-class" href="http://www.anandlaw.com/contact-us/">submitting our contact form here</a>. However, contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until an attorney-client relationship has been established by a signed legal services agreement. Unless and until you and ALPC formally establish an attorney-client relationship, ALPC does not represent you in any manner, and has no duty to you.  Further, any email or other correspondence sent prior to a formal relationship being established, and without request from ALPC, will not be privileged or confidential, and subject to disclosure to other parties. Please review our complete <a class="anker-class" href="http://www.anandlaw.com/terms-of-use/">Terms of Use</a>. [/fusion_text][/fusion_builder_column][fusion_builder_column type="1_4" layout="1_4" last="yes" spacing="yes" center_content="no" hide_on_mobile="no" background_color="" background_image="" background_repeat="no-repeat" background_position="left top" hover_type="none" link="" border_position="all" border_size="0px" border_color="" border_style="" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="" animation_speed="0.1" animation_offset="" class="" id="" min_height=""][fusion_imageframe lightbox="no" gallery_id="" lightbox_image="" style_type="none" hover_type="none" bordercolor="" bordersize="0px" borderradius="0" stylecolor="" align="center" link="" linktarget="_self" animation_type="0" animation_direction="down" animation_speed="0.1" animation_offset="" hide_on_mobile="no" class="" id=""] <img src="http://www.anandlaw.com/wp-content/uploads/2017/11/entertainment_sidepic.gif" alt="" />[/fusion_imageframe][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="20px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][fusion_widget_area name="avada-slidingbar-widget-1" background_color="" padding_top="" padding_right="" padding_bottom="" padding_left="" class="" id="" /][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="40px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][fusion_text] <h4><span style="text-decoration: underline;">BUSINESS LAW PRACTICES</span>:</h4> <ul> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/entertainment/">Entertainment & Media</a></h3> </li> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/realestate/commercial-transcactions/">Real Estate</a></h3> <ul> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/realestate/commercial-transcactions/">Commercial Transactions</a></h3> </li> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/realestate/landlord-tenant/">Landlord / Tenant</a></h3> </li> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/realestate/property-management/">Property Management</a></h3> </li> </ul> </li> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/practices/business-law/business-beverage-cannabis-food/">Beverage, Cannabis & Food</a></h3> </li> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/intellectual-property/">Intellectual Property</a></h3> <ul> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/entertainment/">Copyright</a></h3> </li> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/entertainment/trademarks/">Trademark</a></h3> </li> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/entertainment/right-of-publicity/">Right of Publicity</a></h3> </li> </ul> </li> <li> <h3><a class="anker-class" href="http://www.anandlaw.com/practices/business-law/business-new-media-tech/">New Media / Tech</a></h3> </li> </ul> [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

[fusion_builder_container background_color="" background_image="" background_parallax="none" enable_mobile="no" parallax_speed="0.3" background_repeat="no-repeat" background_position="left top" video_url="" video_aspect_ratio="16:9" video_webm="" video_mp4="" video_ogv="" video_preview_image="" overlay_color="" video_mute="yes" video_loop="yes" fade="no" border_size="0px" border_color="" border_style="" padding_top="20" padding_bottom="20" padding_left="" padding_right="" hundred_percent="no" equal_height_columns="no" hide_on_mobile="no" menu_anchor="" class="" id=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title margin_top="" margin_bottom="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" size="1" content_align="center" style_type="default" sep_color=""] USURY LAW (LIMITATIONS ON INTEREST RATES CHARGED ON LOANS) [/fusion_title][/fusion_builder_column][fusion_builder_column type="3_4" layout="3_4" last="no" spacing="yes" center_content="no" hide_on_mobile="no" background_color="" background_image="" background_repeat="no-repeat" background_position="left top" hover_type="none" link="" border_position="all" border_size="0px" border_color="" border_style="" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="" animation_speed="0.1" animation_offset="" class="" id="" min_height=""][fusion_text] The California Constitution prohibits loans that are made primarily for personal, family or household purposes from having interest rates above 10% per year.  This is California’s general usury law.  However, there are many exceptions. First, as implied from the above, loans made for business purposes are not capped at 10% interest (although there are other caps). <h2 style="color: #002c53;">HOME LOAN EXEMPTION</h2> Second, a loan that is taken out to be used primarily for buying a home (i.e. a mortgage) or improving a home (i.e. a construction loan) are not considered loans for personal, family or household purposes, and thus are not capped at 10% interest rates. The cap on any other loans which are not for personal, family or household purposes is the higher of 10% or 5% over the amount charged by the Federal Reserve Bank of San Francisco on advances to member banks on the 25th day of the month before the loan (if the agreement to loan and the actual lending of the money are in different months, the 25th day of the month before the earlier event is used). <h2 style="color: #002c53;">LENDING INSTITUTION EXEMPTION</h2> A third group of exempt entities are most lending institutions such as banks, credit unions, finance companies, pawn brokers, etc. There are state law limits on these loans as well, but they are higher than the usury laws listed above. <h2 style="color: #002c53;">CREDIT CARDS NOT LOANS</h2> Money advanced by credit cards (retail installment contracts and revolving accounts) are not generally regarded as loans, and thus the usury laws normally do not apply to them. There are no limits on finance charges for credit cards. <h2 style="color: #002c53;">REAL ESTATE BROKER EXEMPTION</h2> A fourth exception to the usury law is the real estate broker exception. This applies when a loan is secured by real property and either the broker gave the loan or “arranged” the loan.<a href="#_ftn1" name="_ftnref1">[1]</a>  The broker is not required to have been the broker on the deal.  Moreover, acting a broker does not mean that they “arranged” the loan. <h3><strong>The broker must act in more than a minimal capacity to be found to have “arranged” the loan.</strong></h3> <em>See e.g.</em>, <em>Gibbo v. Berger</em>, 19 Cal. Rptr. 3d 829 (2004), which found that a broker that acted as an escrow agent on a transaction (prepared the loan documents using preprinted forms, obtained a title insurance policy, and disbursed funds) was insufficient to exempt the lender from usury limits.  The California Appellate Court in <em>Gibbo</em> concluded that “the phrase ‘arranged by’ must refer to some conduct by a real estate broker, acting as a third party intermediary rather than as a party to the loan, that causes a loan to be obtained or procured.” The Court provided examples of conduct that amounts to “arranging” the loan such as “structuring the loan as the agent for the lender (<em>Chapman v. Farr</em> (1982) 132 Cal.App.3d 1021, 1026, 183 Cal.Rptr. 606);  setting the interest rate and points to be paid, setting the terms of the forbearance agreement, reviewing the loan and forbearance documents, conducting title searches, or drafting the terms of the loan (<em>Jones v. Kallman</em> (1988) 199 Cal.App.3d 131, 135, 244 Cal.Rptr. 609; <em> Del Mar v. Caspe</em>, supra, 222 Cal.App.3d at p. 1328, 272 Cal.Rptr. 446).” In <em>Bock v. California Capital Loans, Inc. </em>(California Court of Appeal, Third District, Case No. C069863, May 14, 2013), <strong>the Court found that a real estate broker can perform services for both the seller and the buyer</strong>.  The broker in <em>Bock</em> did not collect commission on the transaction, and instead just arranged for the buyer/plaintiff to borrow $1.2 million at the interest rate of 15%.  The broker did so through his company, California Capital Loans, Inc. (“CCL”), of which he was the sole shareholder, and loan was secured against the real property sold.  CCL foreclosed and purchased the property at the trustee’s auction.  The former buyer/plaintiff sued for violation of usury laws. <h3><strong>The Court also held that the broker “arranged” for the loan notwithstanding that he did so through a company wholly owned by him.  </strong></h3> The Court found that the broker “arranged” a loan “for another” under the meaning of the statute—he arranged for the buyer (“another”) to get a loan through CCL.  The Court found that, although the broker was the sole shareholder of CCL, the company was still a separate legal entity.  This holding may be at odds with <em>Gibbo</em>, which specifically held that the broker may not be a party to the loan.  The <em>Bock</em> Court actually found that the broker was not a party to the loan, as the party was technically the company, but this seems to sidestep <em>Gibbo</em>, and another Court may come down a different way under these same facts. The Court found that the second requirement under the statute, that the broker was working “for or in expectation of compensation,” was also met.  Although he did not collect commission as a broker, because he was a shareholder of CCL, he was working in expectation of compensation through the interest on the loan. <a href="#_ftnref1" name="_ftn1">[1]</a> California Civil Code section 1916.1 (usury laws do not apply to loans secured by real property arranged for another by a licensed real estate broker working for or in expectation of compensation). 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[fusion_builder_container background_color="" background_image="" background_parallax="none" enable_mobile="no" parallax_speed="0.3" background_repeat="no-repeat" background_position="left top" video_url="" video_aspect_ratio="16:9" video_webm="" video_mp4="" video_ogv="" video_preview_image="" overlay_color="" video_mute="yes" video_loop="yes" fade="no" border_size="0px" border_color="" border_style="" padding_top="20" padding_bottom="20" padding_left="" padding_right="" hundred_percent="no" equal_height_columns="no" hide_on_mobile="no" menu_anchor="" class="" id=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title margin_top="" margin_bottom="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" size="1" content_align="center" style_type="default" sep_color=""] <h2 style="color: #002c53;">HOW WILL BANKRUPTCY AFFECT MY CREDIT SCORE?</h2> [/fusion_title][/fusion_builder_column][fusion_builder_column type="2_3" layout="2_3" last="no" spacing="yes" center_content="no" hide_on_mobile="no" background_color="" background_image="" background_repeat="no-repeat" background_position="left top" hover_type="none" link="" border_position="all" border_size="0px" border_color="" border_style="" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="" animation_speed="0.1" animation_offset="" class="" id="" min_height=""][fusion_text] This depends on a variety of factors, including what your score currently is, what chapter you file for, and if you successfully complete your bankruptcy.  While filing for bankruptcy may lower a credit score, it will not necessarily do so. In fact, if you already have a low credit score, filing can actually increase your score, especially after successful completion of a Chapter 13 or Chapter 11 bankruptcy plan in which you pay off some of your debt. Chapter 7 bankruptcy can also, in certain instances, increase a low credit score, after successful discharge.  It is also important to know that you can always re-build your credit after bankruptcy, and <strong>ANAND LAW</strong> can guide you on how to do so. In order to understand the unpredictability of how bankruptcy may affect your credit score, it is helpful to understand how credit scores are calculated. <h2 style="color: #002c53;">CALCULATION OF YOUR CREDIT SCORE</h2> Credit bureaus (also known as “credit reporting agencies”) act an intermediary between consumers, businesses and lenders.  The credit bureaus collect data from various sources, and then use this data to create your credit score.  The bureaus use third-party companies, each who employ their own methodology, to calculate these scores. <h2 style="color: #002c53;">THE MAJOR CREDIT BUREAUS AND SCORING AGENCIES</h2> There are dozens of credit reporting agencies, but the three national agencies that a majority of lenders and businesses use are Experian, Equifax, and Transunion.  Similarly, there are many credit scoring companies, but the two most common are FICO and VantageScore.  Experian Equifax and Transunion came together to create VantageScore, and all continue to use them to generate credit scores. The credit scores are based on how the various data collected interacts with each other.  There are approximately 220 million consumers that credit reports have been created for, and approximately 36 billion pieces of credit data utilized in credit reports every year to create the credit scores (source: VantageScore). The exact methodology used is complicated and uncertain, but factors include: payment history with lenders, banks, and credit card companies; amounts owed; length of delinquencies; length of accounts in good standing; and, types of credit being used.  Scores from each bureau may differ for a variety of reasons, including the timing of the data provided. <h2 style="color: #002c53;">IMPROVING YOUR CREDIT SCORE</h2> Regardless of the credit bureau (e.g., Experian, Equifax, or Transunion), or the scoring agency (e.g., FICO or VantageScore), you can improve your credit score, no matter how bad it is, and no matter the reason for it being low (whether due to bad payment history, repossessions, judgments, liens, foreclosure, or other).  In general, you can improve your credit score by using credit (e.g., through a credit card, line of credit, or loan), and paying bank all use of that credit on time.  The longer you consistently pay on time, and the higher the amount of credit being used, the better your credit score will be.  You can re-establish your credit even after repossessions, judgments, liens, or foreclosure by maintaining a pattern of using credit and repaying the lender timely.  There are lenders willing to extend credit to nearly anyone, regardless of their score, and even lenders that extend credit to individuals in active bankruptcy proceedings.  However, it is important to note that, in general, the lower your credit score, the more it will cost to obtain the credit (i.e., the higher interest rate you will receive)--this makes it even more critical that you pay on time.  The bottom line is that it is not hopeless--with some patience and organization to manage your finances, you can re-establish and build your credit score. [/fusion_text][/fusion_builder_column][fusion_builder_column type="1_3" layout="1_3" last="yes" spacing="yes" center_content="no" hide_on_mobile="no" background_color="" background_image="" background_repeat="no-repeat" background_position="left top" hover_type="none" link="" border_position="all" border_size="0px" border_color="" border_style="" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="" animation_speed="0.1" animation_offset="" class="" id="" min_height=""][fusion_imageframe lightbox="no" gallery_id="" lightbox_image="" style_type="none" hover_type="none" bordercolor="" bordersize="0px" borderradius="0" stylecolor="" align="center" link="" linktarget="_self" animation_type="0" animation_direction="down" animation_speed="0.1" animation_offset="" hide_on_mobile="no" class="" id=""] <img src="http://www.anandlaw.com/wp-content/uploads/2017/11/Bankruptcy_Chapter_13-Foreclosure_Mortgage_Litigation-300x199.jpg" alt="" />[/fusion_imageframe][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="150px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][fusion_tabs design="clean" layout="horizontal" justified="yes" backgroundcolor="" inactivecolor="" bordercolor="" icon="" icon_position="" icon_size="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id=""][fusion_tab title="BANKRUPTCY Q & A" icon=""] [fusion_accordion divider_line="" class="" id=""] [fusion_toggle title="CLAIM OBJECTIONS: WHEN & HOW" open="no"] Rule 3007 of the Federal Rules of Bankruptcy Procedure ("FRBP") requires an objection to be “filed and served at least 30 days before any scheduled hearing on the objection or any deadline for the claimant to request a hearing.” In addition to the FRBP, the Local Rules must also be complied with.  The Local Bankruptcy Rules (LBR) also require 30 days notice.  <em>See</em> LBR 3007-1(b).  Each Judge also has their own so-called "Local Local Rules," and compliance with these is also required. An objection may be filed as a Motion or an Adversary Proceeding (“AP”), but compliance with other rules is required, and in certain instances an AP is required.  One such instance is “a proceeding to determine the validity, priority, or extent of a lien or other interest in property” (<em>see</em> FRBP 7001(2)). [/fusion_toggle][fusion_toggle title="CHAPTER 13 DEBT ELIGIBILITY LIMITS" open="no"] In order to be eligible to file for Chapter 13 Bankruptcy, the filing individual(s) must owe less than $1,184,200 in liquidated, noncontingent <strong>secured </strong>debts, and less than $394,725 in liquidated, noncontingent <strong>unsecured </strong>debts.  11 U.S.C. §109(e).  The debt limitations are adjusted every 3 years, with the next adjustment set to occur on April 1, 2019.  11 U.S.C. §104(b). Secured debts include home mortgages, judgment liens, and car loans.  Unsecured debts include credit card bills, medical bills, and personal loans (if a personal loan is secured by property, it will count towards the secured debt limitations). It is important to keep in mind that a Chapter 13 debtor (the party filing, including a spouse in a joint petition) must meet these debt eligibility limits as of the petition filing date.  If the debts are lowered after the filing date, this will not apply retroactively to make a debtor qualify if they did not qualify at the time of filing.  <em>See</em>, In re Smith, 419 B.R. 826, 829 (Bankr. C.D. Cal. 2009).  <em>See also</em>, Scovis v. Henrichsen, 249 F.3d 975, 981 (9th Cir. 2001) (Eligibility to be a Chapter 13 debtor is determined as of the petition date). <em>See also</em>, REAL PROPERTY VALUATIONS [/fusion_toggle][fusion_toggle title="CRAM DOWNS & LIEN STRIPPING (REMOVAL)" open="no"] 'Cramming down' refers to reducing the amount of the lien to the market value (i.e. removing the portion of the lien that is unsecured).  Cramming down of liens can be done through Chapter 11 on properties that are not a primary residence.  Liens that may be crammed down include mortgage, HELOC (home equity line of credit), HOA (Homeowners' Association), and judgment. In a Chapter 13 bankruptcy, you can remove fully unsecured liens from your primary residence (i.e. the balance owed on higher-priority liens must fully exceed the market value of the property).  This includes junior mortgages (including HELOC), HOA, tax, and judgment liens. [/fusion_toggle] [fusion_toggle title="REAL PROPERTY VALUATIONS" open="no"] Real property valuations are used in Chapter 13 bankruptcy proceedings to determine if liens are unsecured or secured, and thus whether or not they can be removed.  Valuations are also used to determine if the debtor (the filing party) falls within the debt eligibility limits—if a lien is fully unsecured, it will go toward the unsecured debt limitation, and if it is fully secured or partially secured, it will go toward the secured debt limitation limit. Property values change constantly, making a critical question, when does the court value the property for the purposes stated above?  Unfortunately, due to a lack of clarity in the bankruptcy code, the time for determining when a property is valued varies by Judge. <em>For example</em>: <ul> <li>In re Abdelgadir, 455 B.R. 896 (9th Cir. BAP 2011). The United States Bankruptcy Appellate Panel of the Ninth Circuit determined that the valuation date for a secured claim was <strong>the petition date</strong>.</li> <li>In re Crain, 243 B.R. 75 (Bankr. C.D. Cal. 1999).  Judge Vincent P. Zurzolo of the Central District of California stated: “I conclude that the appropriate date of valuation for the Subject Property is the <strong>"effective date of the plan" or ten days after entry of the order confirming the plan, provided no timely appeal has been made."</strong></li> <li>Judge Neil W. Bason of the Central District of California has previously had a “policy of using <strong>current value</strong>” or in other words of valuing the property as of the current date (the date of the order being requested).</li> </ul> [/fusion_toggle] [fusion_toggle title="WHAT IF I MISS A PLAN PAYMENT (CHAPTER 13)?" open="no"] If due to lower income or other unforeseen circumstances that can be documented, the plan can be amended. If the plan is less than 60 months, it can be extended to allow for missed payments to be made up. [/fusion_toggle][fusion_toggle title="WILL I BE ABLE TO GET CREDIT AFTER THE BANKRUPTCY?" open="no"] The fact that you have filed a bankruptcy will not prevent you from getting credit. While you should expect getting credit to be more difficult and expensive, there are actually many lenders that target people recently discharged from a bankruptcy since they have no other debt, are ready to establish their credit and they can’t file for bankruptcy any time soon.[/fusion_toggle] [/fusion_accordion] [/fusion_tab][/fusion_tabs][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent="no" hundred_percent_height="no" hundred_percent_height_scroll="no" hundred_percent_height_center_content="yes" equal_height_columns="no" menu_anchor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" enable_mobile="no" parallax_speed="0.3" video_mp4="" video_webm="" video_ogv="" video_url="" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" 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background_color="" background_image="" background_position="left top" background_repeat="no-repeat" hover_type="none" border_size="0" border_color="" border_style="solid" border_position="all" padding_top="" padding_right="" padding_bottom="" padding_left="" dimension_margin="" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset="" last="no"][fusion_section_separator divider_type="slant" divider_position="right" divider_candy="top" icon="" icon_color="" bordersize="" bordercolor="" backgroundcolor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" /][fusion_text] <h2 style="text-align: center;">Click below to schedule a consultation.</h2> [/fusion_text][fusion_button link="tel:+13233253389" title="" target="_self" link_attributes="" alignment="center" modal="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" color="custom" button_gradient_top_color="" button_gradient_bottom_color="" 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button_gradient_bottom_color_hover="#ffffff" accent_color="" accent_hover_color="#002c53" type="" bevel_color="" border_width="" size="" stretch="default" shape="pill" icon="" icon_position="left" icon_divider="no" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset=""]CONTACT US ONLINE[/fusion_button][fusion_section_separator divider_type="slant" divider_position="right" divider_candy="bottom" icon="" icon_color="" bordersize="" bordercolor="" backgroundcolor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" /][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="35px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent="no" hundred_percent_height="no" hundred_percent_height_scroll="no" hundred_percent_height_center_content="yes" equal_height_columns="no" menu_anchor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" enable_mobile="no" parallax_speed="0.3" video_mp4="" video_webm="" video_ogv="" video_url="" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" video_preview_image="" border_size="" border_color="" border_style="solid" margin_top="" margin_bottom="" padding_top="" padding_right="" padding_bottom="" padding_left=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" spacing="" center_content="no" link="" target="_self" min_height="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="left top" background_repeat="no-repeat" hover_type="none" border_size="0" border_color="" border_style="solid" border_position="all" padding_top="" padding_right="" padding_bottom="" padding_left="" dimension_margin="" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset="" last="no"][fusion_text] The information on this site is provided for informational purposes only and does not constitute legal advice. The information contained is not intended to be a complete recitation of the law, and is provided only as general information in an area—it may not contain all nuances of the law, and is not guaranteed to be correct or complete.  ANAND LAW PC ("ALPC") expressly disclaims all liability in respect to actions taken or not taken based on the information contained on our site. We invite you to contact us for more information by calling <strong>323-325-3389</strong>, or <a class="anker-class" href="http://www.anandlaw.com/contact-us/">submitting our contact form here</a>. However, contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until an attorney-client relationship has been established by a signed legal services agreement. Unless and until you and ALPC formally establish an attorney-client relationship, ALPC does not represent you in any manner, and has no duty to you.  Further, any email or other correspondence sent prior to a formal relationship being established, and without request from ALPC, will not be privileged or confidential, and subject to disclosure to other parties. Please review our complete <a class="anker-class" href="http://www.anandlaw.com/terms-of-use/">Terms of Use</a>. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

[fusion_builder_container background_color="" background_image="" background_parallax="none" enable_mobile="no" parallax_speed="0.3" background_repeat="no-repeat" background_position="left top" video_url="" video_aspect_ratio="16:9" video_webm="" video_mp4="" video_ogv="" video_preview_image="" overlay_color="" video_mute="yes" video_loop="yes" fade="no" border_size="0px" border_color="" border_style="" padding_top="20" padding_bottom="20" padding_left="" padding_right="" hundred_percent="no" equal_height_columns="no" hide_on_mobile="no" menu_anchor="" class="" id=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title margin_top="" margin_bottom="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" size="1" content_align="center" style_type="default" sep_color=""] LEGAL OPTIONS WHEN YOU SLIP/TRIP AND FALL IN A STORE [/fusion_title][/fusion_builder_column][fusion_builder_column type="3_4" layout="3_4" last="no" spacing="yes" center_content="no" hide_on_mobile="no" background_color="" background_image="" background_repeat="no-repeat" background_position="left top" hover_type="none" link="" border_position="all" border_size="0px" border_color="" border_style="" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="" animation_speed="0.1" animation_offset="" class="" id="" min_height=""][fusion_text] Often, retailers fail to ensure that there are no safety hazards on their property. Such safety hazards can include liquid spills or broken product fixtures that are not taken care of nor addressed with proper warning signals. As a result, customers can slip/trip and fall and suffer severe injuries such as broken bones, head injuries, or spinal cord damage. What should you know if you are involved in a slip/trip and fall incident? <h2 style="color: #002c53;">LIABILITY FOR SLIP AND FALL ACCIDENTS</h2> The legal concept of premises liability states that property owners must maintain safe conditions on their properties to ensure that visitors are not harmed. If the property owners fail to fulfill this legal obligation, they may be liable for injuries that occur as a result of unsafe conditions on the property. However, property owners can only be held liable if their negligence directly led to the injuries the victim sustained while at the property. If you are involved in a slip/trip and fall incident, you must prove one of the following: [/fusion_text][fusion_checklist icon="fa-caret-right" iconcolor="#002c53" circle="no" circlecolor="" size="20px" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id=""][fusion_li_item icon=""] The property owner or one of the employees created the unsafe condition, and failed to fix it in a timely manner [/fusion_li_item][fusion_li_item icon=""] The property owner or one of the employees was aware of the unsafe condition and failed to fix it in a timely manner [/fusion_li_item][fusion_li_item icon=""] The property owner should have known about the unsafe condition because a reasonable property owner would have. [/fusion_li_item][/fusion_checklist][fusion_text] <h2 style="color: #002c53;">DIFFERENCES BETWEEN THE RETAILER AND THE PROPERTY OWNER</h2> If a retailer does not own the property, both the retailer and the property owner could be held liable for slip/trip and fall injuries. Before determining who is liable, an attorney must distinguish between who knew about the hazard and who was responsible for fixing it. For example, let’s say a property had uneven flooring due to improperly installed tiles and a customer sustained injuries due to the uneven flooring. In this case, the property owner would most likely be liable because it is usually the property owner’s responsibility to repair issues with flooring. However, if the retailer never informed the property owner of the hazard, the retailer may be the only liable party. The retailer is the only responsible party for hazards that are not related to the property or building’s structure. For example, if someone at the property spilled a liquid on the floor and caused a customer to slip and fall, the retailer would be liable for their injuries. The property owner is not responsible for ensuring that tenants are cleaning liquid spills in a timely manner. Determining who is liable in a slip/trip and fall case may be challenging. It is always best to hire an attorney who has experience and can prove liability in these unique cases. <h2 style="color: #002c53;">STEPS TO TAKE AFTER A SLIP/TRIP AND FALL ACCIDENT</h2> Your first step should be to seek medical attention for your injuries. If you are in need of emergency medical assistance, call 9-1-1 immediately. If it is not an emergency, make sure to visit a doctor as soon as possible. If possible, it is recommended that slip/trip and fall victims gather evidence before leaving the property. Take photos that clearly show the hazard that caused your slip/trip and fall. Be sure to also take photos from angles that show there were no warning signs located near the hazard. If anyone witnessed the incident, ask for their contact information as their testimony may support your personal injury case. Also, take note of any surveillance camera aimed in your direction and the number of cameras in the property. If the fall is in a retail store, make sure to make the store owner aware of the incident. Find out if the store has a brief form that asks you to explain what happened. Make sure you complete this form before leaving so the accident is documented. Make sure to find a personal injury attorney that can start investigating the accident and gathering the evidence needed to prove liability. Crucial pieces of evidence may no longer exist if you fail to seek legal representation in a timely manner. [/fusion_text][/fusion_builder_column][fusion_builder_column type="1_4" layout="1_4" last="yes" spacing="yes" center_content="no" hide_on_mobile="no" background_color="" background_image="" background_repeat="no-repeat" background_position="left top" hover_type="none" link="" border_position="all" border_size="0px" border_color="" border_style="" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="" animation_speed="0.1" animation_offset="" class="" id="" min_height=""][fusion_imageframe image_id="312" style_type="none" stylecolor="" hover_type="none" bordersize="0px" bordercolor="" borderradius="0" align="left" lightbox="no" gallery_id="" lightbox_image="" alt="" link="" linktarget="_self" hide_on_mobile="no" class="" id="" animation_type="" animation_direction="down" animation_speed="0.1" animation_offset=""]http://www.anandlaw.com/wp-content/uploads/2017/11/bankruptcy_sidepic.gif[/fusion_imageframe][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="60px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent="no" hundred_percent_height="no" hundred_percent_height_scroll="no" hundred_percent_height_center_content="yes" equal_height_columns="no" menu_anchor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" enable_mobile="no" parallax_speed="0.3" video_mp4="" video_webm="" video_ogv="" video_url="" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" video_preview_image="" border_size="" border_color="" border_style="solid" margin_top="" margin_bottom="" padding_top="" padding_right="" padding_bottom="" padding_left=""][fusion_builder_row][fusion_builder_column type="1_6" layout="1_6" spacing="" center_content="no" link="" target="_self" min_height="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="left top" background_repeat="no-repeat" hover_type="none" border_size="0" border_color="" border_style="solid" border_position="all" padding_top="" padding_right="" padding_bottom="" padding_left="" dimension_margin="" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset="" last="no"][/fusion_builder_column][fusion_builder_column type="3_4" layout="3_4" spacing="" center_content="no" link="" target="_self" min_height="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="left top" background_repeat="no-repeat" hover_type="none" border_size="0" border_color="" border_style="solid" border_position="all" padding_top="" padding_right="" padding_bottom="" padding_left="" dimension_margin="" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset="" last="no"][fusion_section_separator divider_type="slant" divider_position="right" divider_candy="top" icon="" icon_color="" bordersize="" bordercolor="" backgroundcolor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" /][fusion_text] <h2 style="text-align: center;">Click below to schedule a consultation.</h2> [/fusion_text][fusion_button link="tel:+13233253389" title="" target="_self" link_attributes="" alignment="center" modal="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" color="custom" button_gradient_top_color="" button_gradient_bottom_color="" button_gradient_top_color_hover="#ffffff" button_gradient_bottom_color_hover="#ffffff" accent_color="" accent_hover_color="#002c53" type="" bevel_color="" border_width="" size="" stretch="default" shape="pill" icon="fa-phone" icon_position="left" icon_divider="no" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset=""]CALL US[/fusion_button][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="35px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][fusion_button link="http://www.anandlaw.com/contact-us/" title="" target="_self" link_attributes="" alignment="center" modal="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" color="custom" button_gradient_top_color="" button_gradient_bottom_color="" button_gradient_top_color_hover="#ffffff" button_gradient_bottom_color_hover="#ffffff" accent_color="" accent_hover_color="#002c53" type="" bevel_color="" border_width="" size="" stretch="default" shape="pill" icon="" icon_position="left" icon_divider="no" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset=""]CONTACT US ONLINE[/fusion_button][fusion_section_separator divider_type="slant" divider_position="right" divider_candy="bottom" icon="" icon_color="" bordersize="" bordercolor="" backgroundcolor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" /][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="35px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent="no" hundred_percent_height="no" hundred_percent_height_scroll="no" hundred_percent_height_center_content="yes" equal_height_columns="no" menu_anchor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" enable_mobile="no" parallax_speed="0.3" video_mp4="" video_webm="" video_ogv="" video_url="" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" video_preview_image="" border_size="" border_color="" border_style="solid" margin_top="" margin_bottom="" padding_top="" padding_right="" padding_bottom="" padding_left=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" spacing="" center_content="no" link="" target="_self" min_height="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="left top" background_repeat="no-repeat" hover_type="none" border_size="0" border_color="" border_style="solid" border_position="all" padding_top="" padding_right="" padding_bottom="" padding_left="" dimension_margin="" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset="" last="no"][fusion_text] The information on this site is provided for informational purposes only and does not constitute legal advice. The information contained is not intended to be a complete recitation of the law, and is provided only as general information in an area—it may not contain all nuances of the law, and is not guaranteed to be correct or complete.  ANAND LAW PC ("ALPC") expressly disclaims all liability in respect to actions taken or not taken based on the information contained on our site. We invite you to contact us for more information by calling <strong>323-325-3389</strong>, or <a class="anker-class" href="http://www.anandlaw.com/contact-us/">submitting our contact form here</a>. However, contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until an attorney-client relationship has been established by a signed legal services agreement. Unless and until you and ALPC formally establish an attorney-client relationship, ALPC does not represent you in any manner, and has no duty to you.  Further, any email or other correspondence sent prior to a formal relationship being established, and without request from ALPC, will not be privileged or confidential, and subject to disclosure to other parties. Please review our complete <a class="anker-class" href="http://www.anandlaw.com/terms-of-use/">Terms of Use</a>. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

[fusion_builder_container background_color="" background_image="" background_parallax="none" enable_mobile="no" parallax_speed="0.3" background_repeat="no-repeat" background_position="left top" video_url="" video_aspect_ratio="16:9" video_webm="" video_mp4="" video_ogv="" video_preview_image="" overlay_color="" video_mute="yes" video_loop="yes" fade="no" border_size="0px" border_color="" border_style="" padding_top="20" padding_bottom="20" padding_left="" padding_right="" hundred_percent="no" equal_height_columns="no" hide_on_mobile="no" menu_anchor="" class="" id=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title margin_top="" margin_bottom="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" size="1" content_align="center" style_type="default" sep_color=""]<p>LEGAL OPTIONS WHEN YOU SLIP/TRIP AND FALL IN A STORE</p>[/fusion_title][/fusion_builder_column][fusion_builder_column type="3_4" layout="3_4" last="no" spacing="yes" center_content="no" hide_on_mobile="no" background_color="" background_image="" background_repeat="no-repeat" background_position="left top" hover_type="none" link="" border_position="all" border_size="0px" border_color="" border_style="" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="" animation_speed="0.1" animation_offset="" class="" id="" min_height=""][fusion_text]<p>Often, retailers fail to ensure that there are no safety hazards on their property. Such safety hazards can include liquid spills or broken product fixtures that are not taken care of nor addressed with proper warning signals. As a result, customers can slip/trip and fall and suffer severe injuries such as broken bones, head injuries, or spinal cord damage. What should you know if you are involved in a slip/trip and fall incident?</p><h2 style="color: #002c53;">LIABILITY FOR SLIP AND FALL ACCIDENTS</h2><p>The legal concept of premises liability states that property owners must maintain safe conditions on their properties to ensure that visitors are not harmed. If the property owners fail to fulfill this legal obligation, they may be liable for injuries that occur as a result of unsafe conditions on the property.</p><p>However, property owners can only be held liable if their negligence directly led to the injuries the victim sustained while at the property. If you are involved in a slip/trip and fall incident, you must prove one of the following:</p>[/fusion_text][fusion_checklist icon="fa-caret-right" iconcolor="#002c53" circle="no" circlecolor="" size="20px" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id=""][fusion_li_item icon=""]<p>The property owner or one of the employees created the unsafe condition, and failed to fix it in a timely manner</p>[/fusion_li_item][fusion_li_item icon=""]<p>The property owner or one of the employees was aware of the unsafe condition and failed to fix it in a timely manner</p>[/fusion_li_item][fusion_li_item icon=""]<p>The property owner should have known about the unsafe condition because a reasonable property owner would have.</p>[/fusion_li_item][/fusion_checklist][fusion_text]<h2 style="color: #002c53;">DIFFERENCES BETWEEN THE RETAILER AND THE PROPERTY OWNER</h2><p>If a retailer does not own the property, both the retailer and the property owner could be held liable for slip/trip and fall injuries. Before determining who is liable, an attorney must distinguish between who knew about the hazard and who was responsible for fixing it.</p><p>For example, let’s say a property had uneven flooring due to improperly installed tiles and a customer sustained injuries due to the uneven flooring. In this case, the property owner would most likely be liable because it is usually the property owner’s responsibility to repair issues with flooring. However, if the retailer never informed the property owner of the hazard, the retailer may be the only liable party.</p><p>The retailer is the only responsible party for hazards that are not related to the property or building’s structure. For example, if someone at the property spilled a liquid on the floor and caused a customer to slip and fall, the retailer would be liable for their injuries. The property owner is not responsible for ensuring that tenants are cleaning liquid spills in a timely manner.</p><p>Determining who is liable in a slip/trip and fall case may be challenging. It is always best to hire an attorney who has experience and can prove liability in these unique cases.</p><h2 style="color: #002c53;">STEPS TO TAKE AFTER A SLIP/TRIP AND FALL ACCIDENT</h2><p>Your first step should be to seek medical attention for your injuries. If you are in need of emergency medical assistance, call 9-1-1 immediately. If it is not an emergency, make sure to visit a doctor as soon as possible.</p><p>If possible, it is recommended that slip/trip and fall victims gather evidence before leaving the property. Take photos that clearly show the hazard that caused your slip/trip and fall. Be sure to also take photos from angles that show there were no warning signs located near the hazard. If anyone witnessed the incident, ask for their contact information as their testimony may support your personal injury case. Also, take note of any surveillance camera aimed in your direction and the number of cameras in the property.</p><p>If the fall is in a retail store, make sure to make the store owner aware of the incident. Find out if the store has a brief form that asks you to explain what happened. Make sure you complete this form before leaving so the accident is documented.</p><p>Make sure to find a personal injury attorney that can start investigating the accident and gathering the evidence needed to prove liability. Crucial pieces of evidence may no longer exist if you fail to seek legal representation in a timely manner.</p><p> </p>[/fusion_text][/fusion_builder_column][fusion_builder_column type="1_4" layout="1_4" last="yes" spacing="yes" center_content="no" hide_on_mobile="no" background_color="" background_image="" background_repeat="no-repeat" background_position="left top" hover_type="none" link="" border_position="all" border_size="0px" border_color="" border_style="" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="" animation_speed="0.1" animation_offset="" class="" id="" min_height=""][fusion_imageframe image_id="312" style_type="none" stylecolor="" hover_type="none" bordersize="0px" bordercolor="" borderradius="0" align="left" lightbox="no" gallery_id="" lightbox_image="" alt="" link="" linktarget="_self" hide_on_mobile="no" class="" id="" animation_type="" animation_direction="down" animation_speed="0.1" animation_offset=""]http://www.anandlaw.com/wp-content/uploads/2017/11/bankruptcy_sidepic.gif[/fusion_imageframe][fusion_separator style_type="none" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" sep_color="" top_margin="60px" bottom_margin="" border_size="" icon="" icon_circle="" icon_circle_color="" width="" alignment="center" /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent="no" hundred_percent_height="no" hundred_percent_height_scroll="no" hundred_percent_height_center_content="yes" equal_height_columns="no" menu_anchor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" enable_mobile="no" parallax_speed="0.3" video_mp4="" video_webm="" video_ogv="" video_url="" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" video_preview_image="" border_size="" border_color="" border_style="solid" margin_top="" margin_bottom="" padding_top="" padding_right="" padding_bottom="" padding_left=""][fusion_builder_row][fusion_builder_column type="1_6" layout="1_6" spacing="" center_content="no" link="" target="_self" min_height="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="left top" background_repeat="no-repeat" hover_type="none" border_size="0" border_color="" border_style="solid" border_position="all" padding_top="" padding_right="" padding_bottom="" padding_left="" dimension_margin="" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset="" last="no"][/fusion_builder_column][fusion_builder_column type="3_4" layout="3_4" spacing="" center_content="no" link="" target="_self" min_height="" 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