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Criminal Law

Criminal Law

Criminal Law New Zealand

Looking for an NZ defense lawyer to represent you in a criminal case?

In New Zealand law, a person accused of a crime is innocent until proven guilty. People who are facing criminal charges have the right to an attorney, who will defend them in court – this attorney is usually a criminal lawyer.

A criminal lawyer needs to examine every detail of the prosecution’s case (the case against their client) in order to establish ‘reasonable doubt’ in the minds of the judge or jury as to whether their client committed the crime. If the defense lawyer can establish reasonable doubt, the client will be found not guilty. A defense lawyer may also try to have their client acquitted of all charges.

Even if a client is found guilty, the work of the criminal lawyer can continue throughout the appeal process. In New Zealand, criminal lawyers practice law in all areas of the North and South island, from Auckland to Wellington, Hamilton, Christchurch and more.

There are different areas of criminal law that a lawyer may specialize in. Some lawyers tend to take on high-profile cases involving serious crimes like murder, manslaughter or sexual abuse. Others take on less severe criminal cases like petty theft. A lawyer’s experience and ‘track record’ in court will likely affect the cost for his or her legal services.

Common Law

Common Law

Common-Law New Zealand

Looking for NZ law firms that specialize in common law?

Common-Law is a law that’s based on precedent. That is, law based on court rulings or case law rather than on written legislation passed through parliament. Common-Law is based on the idea that if the facts of cases are similar, it is only fair that the outcomes or rulings in the cases should be similar as well.

This means that the decisions made by judges and juries have implications beyond the cases they are ruling on because they can affect the outcomes of future cases as well.

Every lawyer should have a solid knowledge of common law, especially when it relates to their client’s cases.

Common-Law can also refer to marriage or partnership and is sometimes referred to as de facto. A Common Law Marriage is recognized in some jurisdictions when two people have been in an interdependent partnership for a certain number of years, and even though no official marriage ceremony has taken place, the partnership is recognized on the same level as a legal marriage.

If a common-law partnership breaks up and the couple has shared assets or children together, the break up may be similar to a divorce, and a lawyer may be required.

Contract Law

Contract Law

Contract Law New Zealand
Looking for NZ law firms that specialize in contract law?

Contracts are legal documentswith conditions that are legally bindingThat’s why it’s a good idea to seek the advice of a lawyer before entering into any contractA lawyer with experience in New Zealand contract law can help you understand your contractual obligations before you sign a contractso you know exactly what you’re committing to.

Contracts can exist between two or more parties for a variety of purposesThere are employment contractsthat outline the responsibilities of both the employee and the employerThere are construction contractsthat define the roles and responsibilities of buildersproject managerssupplierstradespeople and others involved in a building projectReal estate contracts deal with the terms of buying or selling any type of property.

Failure to fulfill one’s contractual obligations is also known as ‘Breach of Contract‘. This can be very seriousas a contract is a legal documentwhich means breaching a contract is the same as breaking the lawSometimesif the wording of a contract is at all ambiguousone party may believe the other has breached the terms of the contractwhile the other party believes he or she has done nothing wrongIf this occursa contract lawyer may be able to help clarify and settle the situation either in or out of court.

All lawyers should have a solid understanding of New Zealand contract lawbut some lawyers specialize exclusively in contract lawThese experts are the ones to look for if you need legal advicerepresentation or administration of a, particularly complex contract.

Commercial Law

Commercial Law

Commercial Law

Getting legal representation for your company is important. Whether your operation is a corner shop run by the family or a large corporation, you need to have someone who knows the ins and outs of commercial law as your lawyer. Just like any other situation where you need to hire a lawyer or a law firm, it’s important to make sure that you have the right one – and we recognize that this can be a very difficult task, especially if you’ve never hired a lawyer before.

We started this list as a way to give people a jumping-off point, or a push in the right direction, as some might say. The idea is to give you a place to start with a list of firms and lawyers that you can call and see if any of them fit your needs. This replaces the age-old conundrum of opening up the phone directory to ‘lawyer’  or ‘legal’  and seeing page after page of listings for generic legal aid. While there are still a large number of names, you can now filter by location and, of course, specialty.

Commercial law can easily be called one of the most complicated specialties in law, simply because of the sheer variations on laws, companies, and situations that exist. Keeping that in mind, you should know this – this list is one that we compiled ourselves. Each firm or lawyer on this list is here because we or someone we know worked with them, and would recommend them to anyone we know. We feel that one of the true measures of a good person to work with, be it in law, house cleaning, or any other service, is whether people are willing to recommend their work to others. After all, if you trust someone, would you not trust them to give an accurate report of how someone works?

We do recommend that you check in with each lawyer or firm before hiring them, for a variety of reasons. One, you want to make sure that the firm still offers what you need. Two, is the lawyer you will be working with someone who believes in doing what is right for the client and does everything possible to make that happen? Three, because of how rapidly things change these days, you’re going to need to verify that the firm is still in the location the list says it is. After all, would it be helpful to find that the firm just up the street is now actually halfway across the country?

As a subset of that, while we do make every effort to make sure that these resources are updated frequently, sometimes firms don’t let us know or return our communications. In a case like that, we ask that you email us and simply let us know what has changed. The same goes for any firms that you know that are not on this list – just get us the details and we’ll take it from there!

Our hope is that this listing helps people navigate difficult situations with a little more peace of mind.

Family Law

family law

Looking for NZ law firms that specialize in family law?

Finding a lawyer can be difficult, but it becomes even more so when it comes to fields like family law. It’s bound to be a stressful situation, no matter what the cause, and we would like to help make that process just that little bit easier by providing this list of lawyers and firms in New Zealand who specialize in that oh-so-important subset. Please feel free to use this list as either a to-call list or simply a way to start narrowing down people who might be able to help you.

Please do be aware of the fact that this list is one we compiled ourselves, and we are not any sort of licensing group. Before hiring a lawyer or a firm, you should get in touch with them first and have a talk with (at least!) the receptionist, preferably the attorney you would be assigned to, and try to get a consultation before paying any retainer. There are several reasons for this – family law is a multi-faceted specialty, with subtopics ranging from adoption to divorce to juvenile delinquents; the firm may have moved or changed focus; they don’t have the right lawyer for your specific case and you want to avoid spending time and money where you don’t need to.

We recognize that any situation that calls for hiring a family lawyer is complicated, and we want to help make it simpler for you. Keeping that in mind, you should know this – this list is one that we compiled ourselves. Each firm or lawyer on this list is here because we or someone we know worked with them, and would recommend them to anyone we know. We feel that one of the true measures of a good person to work with, be it in law, house cleaning, or any other service, is whether people are willing to recommend their work to others. After all, if you trust someone, would you not trust them to give an accurate report of how someone works?

As mentioned above, we highly recommend calling the firm before you hire them. If you do call a firm and they no longer work in family law, or have moved their office location, changed their website, any of these things, we urge you to let us know. Simply send us an email and we will get those changes made so that nobody else has to find that out the hard way.

While this is a national registry, we acknowledge that there are areas that don’t have much coverage in the listings. Even in this age of social media, it’s not easy to find everyone – so we need your help to keep this list updated. As with corrections, just let us know of any firm that you recommend that you don’t see on this list.

Our hope is that this listing helps people navigate difficult situations with a little more peace of mind.

Employment Laws

Business laws

Employment law/lawyers

Looking for NZ law firms that specialize in employment relations law?

Finding a lawyer is hard enough, but finding the right one who specializes in employment law can make the prospect simply daunting. Even if you go to the phone book and simply check out the section for ’employment lawyers’,  you have to figure out some way to ensure that you get the right one for your situation. We’d like to make this process easier for folks, so we’ve compiled this list of lawyers who practice employment law.

Keep in mind, as with all professional services, that you should verify that the firm you want to go with is taking new clients, has a lawyer that you feel comfortable working with, and is confident that they can help you with your situation. Nothing’s worse than getting all your appointments with insurance, work, any sort of professional representatives, and the lawyer set up and then finding out the person you hired to represent you simply doesn’t think they can do anything. It’s a bummer, and it wastes the time and money of every person that was involved in those meetings.

However, you should know this – this list is one that we compiled ourselves. Each firm or lawyer on this list is here because we or someone we know worked with them, and would recommend them to anyone we know. We feel that one of the true measures of a good person to work with, be it in law, house cleaning, or any other service, is whether people are willing to recommend their work to others. After all, if you trust someone, would you not trust them to give an accurate report of how someone works?

Now, please be aware that this list is always growing and changing, so check back often. If you need someone in a specific city, you can always filter the results by location. Again, you should verify that the firm is still in that location and that they still have someone who is specializing in employment law. Simply as a matter of ensuring that you don’t waste time. If you do come across a firm that doesn’t have someone who works in employment law, please feel free to drop us a line and let us know so that we can update the list.

We offer a national registry, but there are areas that we may not have much info on – simply because it is difficult to to compile information on more rural areas. Because of this, we are also interested in hearing reports and reviews of lawyers and firms that you, the client, would recommend to others. Just email us with as much of their information as you have – name, firm, location, phone number, website, and so on – and we’ll do the rest.

Our hope is that this listing helps people navigate difficult situations with a little more peace of mind.

Finance Care Online

Finance Care Online

The dark part of the stock market and its solution

Investment in the stock market will give better returns, which is a general view of the society and that helps in increasing the ratio of stock market investors. But unfortunately, this is not the complete face or in other words, one can say this is one part of the coin which includes all the success that inspires new investors, but the other part is not that simple. According to this part, even gaining the invested capital may be difficult. But at the same time, it is also true that a serious investor with a proper strategic plan can make good money in comparison with any other format of investment. So the point is an investment in the share market is not a bad idea but blind investment cannot be suggested.

There is no fixed path to success in stock trading, however a deep study of the market movement, previously successful investor’s foot mark, the persons in your surroundings who can share their experience, books, magazines and one can also go for online free tips. If someone really wants to be a good investor than first he has to gain as much knowledge as he can, so that one can create his own smooth in & out the way and that will help in increasing the percentage of success.

The role of legal support in the field of business

From the entrepreneurial point of view, a business can be mainly divided into two sections such as ‘manufacture’ and ‘service’. If a company manufactures any product of its own which means the products of this company in the market are under the rights of its given brand name. The product can be anything such as any food products, electronics, electrical, cosmetics, pharma products, steel, etc. There are so many companies starting from very small to the multinational brand owned companies are existing in this section. Similarly, ‘service’ is also a very vast sector, here also the chance for a small entrepreneur to the ruling multinationals are there with so many different service options such as health is a service, education, transportation, telecom, etc.
Whether a company is under manufacture or service the general business ethic will be the same for both the sectors. Regarding registration of the company, it has to undergo certain legal procedures so that in future it will be easy for certification and other documentation. For a legally approved company, the chance of growth is always maximum.
In today’s globalized world where any business runs on the basis of certain contracts and for that the role of legal certification is very important because these certifications can be achieved by only those companies who can fulfill its criteria set by the government. For different categories, there are different certifications like the parameters for food products that will be different from the environmental parameter which is an important issue for any steel or cement manufacturing industry. Or in other words, one can judge the standard of a company form its certification. There are a number of different certifications that are also available for the service sector like in the hospitality industry ‘star’ is a worldwide recognized parameter and from that one can easily expect the kind of service he/she can get from that hotel.
Business is all about good managing and perfect dealings which can be concretized with certain legal documentation. There can be various issues for an entrepreneur like employment, payment, lease, partnership, different contracts, etc. Each of these issues can be very vigorous and can damage very hard to the reputation and goodwill of a company. As ‘prevention is better than cure’ so it will be really a wise decision to structure everything as per the govt. parameters. If it is a partnership firm than it is necessary to have a meeting with all the partners and the conclusion can be shaped with a lawyer as per govt. rules and regulations as a final and secured outcome or in other words perfect legal support can be a keyword for a disciplined business structure and also helps to avoid the majority of future disputes that may arise in any business firm.

Credit Problems

Credit Problems

County Court Judgements (CCJ’s)
It can happen so easilycan’t itYou made a few bad decisions in the pasthaven’t we all? – perhaps you just couldn’t afford to pay that billor you got yourself into serious debt and couldn’t dig yourself out of the holeMaybe back in history, you refused to pay a bill out of principlelike the dreaded poll taxWhatever the reason or circumstancesyou now find yourself burdened with a County Court Judgment or CCJ against your nameBut now you need a mortgage and severe problems lie ahead of you.

Major mortgage lenders are very likely to refuse a mortgage to anyone in such a position because a CCJ places a black mark on your credit recordNo account will be taken of the fact that this may have been just a oneoff financial crisisThey probably won’t even bother to enquire about the circumstances of the CCJIt is easier for them to just say NO and they will do just that!

Discharged Bankrupts
Becoming bankrupt is a fate that isn’t worse than deathbut it can feel pretty ruinous to be unable to pay one’s debtsAnyone can go bankrupt and find themselves in Carey Street (London home of the Bankruptcy Court). When a bankruptcy order is madethe conditions attached to the order are stringent and it is impossible to obtain any form of credit without disclosing the fact of bankruptcy.

Even once you have been discharged as a bankruptafter the usual three year period (though it can be longer), you will find it very difficult to obtain a mortgageRegardless of your previous mortgage repayment recordno mainstream mortgage lender will touch you with a bargepole if you have been made bankruptFrom their point of viewthe risk is simply unacceptableMajor lenders choose to believe that lightning always strikes twice!

Is there no hopeYesthere is an answerbut you need to speak to us at Finance Assured Financial Services LtdWe will help you to look towards a brighter future by dealing with your enquiry in complete confidence and doing our utmost to solve even the most complex credit problem.
We always get the best deal for our clients

The Factors That a Sme Must Consider Before Requesting a Loan

The Factors That a Sme Must Consider Before Requesting a Loan

Every company, big or small, needs extra money in specific periods in its life cycle. One of the alternatives is to go to the banks to request new funds. There are many good reasons for a small or medium enterprise (SME) to request a business credit or request the extension of their credit line. Click here for payday loans like wonga.

However, before making the request it is good for the owner of the SME to evaluate the status of various aspects of their business since the financial institution will request documentation and proof that the company is working well, such as:

-Accounting and tax status

-Annual results

-Growth projections

-Market situation

-Business flows

Many times, SMEs request loans in situations of financial loss or over-indebtedness, and this reduces their chances of obtaining the loan. Visit this site for payday loans like wonga.

Here we explain the factors that an SME must take into account before asking for a loan:

Credit history

If the owner of the SME has a valid credit and pays it within the stipulated terms, his “financial life history” will play in his favor when he returns to a financial institution to request another loan.

However, if the payment of the debt is normally out of time, with delays, partially, breaching the conditions, etc., this damages the financial history.

Even if the person has been in the bank for years, or has asked for many credits and paid them all, it is the habit that counts.

Therefore, a bad credit history will pass the bill the next time you ask for a loan. Moving to a new financial institution or going to another executive who does not know about this background is a temporary solution that will only prolong the problem.

Current credit

SMEs that already have credit lines or credit cards for business use must evaluate the status of those funds available, the guarantees and associated backups, and the ability to pay before applying for a new loan.

Normally, the companies go to the bank when they have already taken the credit card or their line no longer gives, or they are late with the payments of their current debt.

If this is the case, the first thing the institution will do is evaluate the financial history (point 1) of the company and how many debts it has.

In case the bank evaluates considering the possibility of lending money again, it will request new guarantees that it will be able to pay the new loan. This includes equipment or other assets of the company. This point is very important: if the SME cannot comply with the guarantees of the new loan, it risks an embargo in case of non-payment.

Reparation of debt

It is a factor closely linked to points 1 and 2. Although it is “indebted to the neck”, before applying for the new loan, the SME must know the true balance sheet status of their company, the payment situation of their contracts and your budget

With this financial radiography, it will be possible to evaluate if the consolidation of the debt that is already in force is a feasible alternative.

Finance Assurance

Finance Assurance

Welcome to Finance Assured

Based in StockportEnglandFinance Assured Financial Services Ltd uses the advantages of modern technology to ensure the very best service for its clients.

We deal with all Mortgage and Loan enquires in complete confidence and will endeavor to find a non Status Mortgage solution to even the most complex credit problems.
Poor or Bad Credit:
Most people accept that many of us will require assistance with their finances at some point in their lifeTypically and quite naturally some of us will use a High Street Bank or Building Society for further facilitiesUnfortunately, this solution is not readily available to everyone.

We reckon that we are the best adverse and self-certification mortgage packager in the country. No matter what problems you may have had getting a mortgage, e.g. CCJs, Arrears, Defaults, Self Employed, No Income proof, etc. Finance Assured can help.

We always get the best mortgage deal for our clients including:

the best rates
the most suitable terms
no horrendous redemption penalties
no hidden costs
mortgagesremortgagessecured loans, and personal loans
We are not tied to standardizationwe are able to PROVIDE financial solutions that will be unique to the individualWe are always delighted to accept such commissions and do so on a regular basis.

Non Status Mortgages:
Having any kind of credit problem or poor credit history makes it much harder to get a Mortgage Your poor credit history could be due to CCJ’s, Mortgage Repayment ArrearsMortgage Defaults or Discharged BankruptsAny of these can happen so easilyYou made a few bad decisions in the pasthaven’t we allPerhaps you just couldn’t afford to pay that billor you got yourself into serious debt and couldn’t dig yourself out of the holeMaybe back in history, you refused to pay a bill out of principlelike the dreaded poll tax.

Whatever the reason or circumstancesyou now find yourself labeled a Credit Risk with a Bad Credit Status you fail credit checks with poor scores.

However, you need a mortgage but Banks and Building Societies don’t want adverse credit. No account will be taken of the fact that this may have been just a one-off financial crisis. They probably won’t even bother to enquire about the circumstances. It is easier for them to just say NO and they will do just that!