Dangers and Risks of Taking Personal Online Loans

Personal online loans are viewed by lenders as higher risk because a personal loan is another way of describing unsecured debt; as in a loan that isn’t backed by collateral such as a home or car. From the borrower’s perspective, a personal online loan carries potential dangers that aren’t typical of traditional bank loans. These heightened risks to borrowers fall into 3 categories: safety, ease-of-access and predatory lending practices. Are Online Loans Safe? Many online lending sites are backed by … Continued

What is a Civil Conversion in MA Criminal Courts?

In Massachusetts, the civil conversion statute allows criminal courts to decriminalize certain minor offenses by converting them into civil violations.   What is a Civil Conversion? Under a little-known Massachusetts law, a lower level criminal offense can actually be handled as a civil infraction. The statute allows for a criminal court process whereby a misdemeanor offense is converted to a civil matter. Civil conversion is therefore the decriminalization of the complaint against you. It is often negotiated by plea agreement. Related … Continued

Negligent Operation of a Motor Vehicle in Massachusetts

Negligent Operation of a Motor Vehicle is also Driving to Endanger under M.G.L. c.90 § 24. If you are charged with negligent operation of a vehicle, you are facing a misdemeanor offense meaning the state is charging you with criminal negligence in Massachusetts. What is Negligent Operation of a Motor Vehicle? Massachusetts criminal law defines Negligent Operation as driving a motor vehicle such that the lives or safety of the public might be endangered. Some jurisdictions charge this as Driving … Continued

6 Foreclosure Defenses for MA Homeowners

Homeowners and foreclosure defense lawyers have been increasingly successful in stopping foreclosures and establishing equitable solutions for keeping people in their homes under reasonable terms. From Truth In Lending enforcements to mortgage transparency rulings, the trend is clear: homeowners who fight a wrongful foreclosure can win. We stay on top of all foreclosure defense strategies at our Massachusetts bankruptcy and foreclosure defense firm. We’re happy to provide the following information in hopes it may be useful to you. Just One … Continued

Homicide By Motor Vehicle While OUI

Vehicular homicide laws in Massachusetts include homicide by operating a vehicle while under the influence of alcohol or drugs (OUI). Defendants in these tragic cases face a wide range of punishments that are possible upon a conviction. The difference in jail or prison time largely depends on how the state charges you, and whether they can prove beyond a reasonable doubt that you were driving under the influence at the time of the car accident. Vehicular Homicide Laws A car … Continued

Could I Lose My College Financial Aid From a Drug Conviction?

The answer is Yes. A college student facing drug charges in Massachusetts or elsewhere risks losing their opportunity to receive federal financial aid if the outcome in the criminal case results in a conviction. FAFSA Drug Conviction Policy All student financial need is assessed through the federal Free Application For Student Aid (FAFSA). The Department of Education sanctions college students who have been convicted of a drug crime while receiving federal funds. (*Students may also lose state grants and scholarships … Continued

Should You Hire an Attorney for a Title IX Hearing?

A college student facing sexual assault, sexual misconduct, harassment or other serious allegations should strongly consider hiring an experienced defense attorney to help prevail in a Title IX hearing. Title IX hearings can quickly turn into disciplinary hearings that result in devastating consequences for the accused. What is Title IX? Title IX is a federal civil rights law prohibiting schools and colleges that receive federal funds from discriminating against individuals based on sex. The law requires schools to have anti-sex … Continued