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5 of the Most Common Reasons for Accidents on the Road

Driving_07222014Traffic accidents happen every day. Some of them are minor, and some of them result in serious injuries that can have long-lasting, devastating consequences. The reasons for these accidents vary, but a large percentage of them are preventable if drivers are better informed and make better choices on the road.

When we look at the causes for traffic accidents, some patterns start to emerge. A handful of factors continue to be at the root of many serious accidents. Let's take a look at some of the most common reasons for accidents on the road:

Distracted Driving

Talking on a cell phone. Texting. Putting on makeup. Brushing hair. Eating. Changing the channel on the radio. Talking to other people in the car. All of these distractions account for a large percentage of accidents on the road each year. "Rubber necking" at other accidents and reading while driving also account for a significant percentage of distracted driving accidents.

Drivers must eliminate distractions whenever possible in the car. Leave personal tasks such as grooming or eating until you get to your destination. Use a hands-free phone if you absolutely must make a call while you are driving. Never text while driving. Always keep your eyes on the road when you are behind the wheel.

If a task can't wait, pull to the side of the road or make a stop.

TiredDriver_07182014Driver Fatigue

Most of us wish there were more hours in the day, and we push ourselves to fill the time we do have by getting as much done as possible. However, when we start burning the midnight oil to try to get more accomplished, we short ourselves on sleep and put ourselves and others in danger when we get behind the wheel.

Late-night and third-shift workers may also drive home exhausted, leaving them vulnerable to making mistakes on the road - possibly even falling asleep behind the wheel. Fatigue can also be a problem for drivers on long-distance trips.

Make sure you are always well-rested before you drive, and pull over to rest or take a break if you start to feel drowsy.

Aggressive Driving

Some drivers get a false sense of invincibility on the road and drive more aggressively than is safe. Speeding, following too close, improper lane changes, and quick turns are just a few of the unsafe practices that can fall under the classification of aggressive driving.

Always follow traffic safety rules when you are behind the wheel. Don't let frustration with other drivers or impatience to reach your destination affect the choices you make. Acting on impulse and engaging in aggressive driving could result in a serious accident that could leave you or others with serious injuries (or worse).

Weather

Sometimes, conditions on the road are beyond your control. Heavy rain, hail, or snow can make driving conditions less safe by reducing your visibility, making the road slick, or causing unexpected debris on the roadway.

To keep yourself and other drivers safe on the road during inclement weather, practice extra caution when you are behind the wheel. Reduce your speed as necessary, increase your following distance, or pull off the road if needed. Also be sure that your vehicle is always in top condition, with working wipers, quality tires, and sound brakes.

Driving Under the Influence

The dangers of driving under the influence of alcohol or drugs have been well-documented, but it continues to be a cause of a significant number of accidents each year. Never drive under the influence of drugs or alcohol. If you are out and have been drinking, call a cab or ask a friend or family member to drive you home.

With more education about these common causes of traffic accidents, drivers can learn to make better choices that greatly reduce their risk of getting into serious accidents that can lead to serious injury to themselves or others on the road.

North Carolina Personal Injury Lawyers

If you have been injured in an accident, you may be entitled to compensation for your injuries. Call the Law Offices of James Scott Farrin at 1-866-900-7078 for a free evaluation of your case and to find out if one of our North Carolina personal injury lawyers may be able to help you.

5 Ways to Stay Safe When Driving around Large Semi-Trucks

Tractor Trailer1_07032014Driving around large semi-trucks on the highway is not the same as driving around other passenger vehicles. Semi-trucks that are fully loaded can weigh more than 80,000 pounds - or more than 40 tons. All that extra weight makes it hard for these trucks to brake quickly or to respond to dangers on the road.

It is important to follow additional precautions when driving around large semi-trucks in order to keep yourself and other drivers safe on the road. Here are 5 tips for safe driving around large semi-trucks:

Be Alert

When you approach a semi-truck, or you see one approaching you, be on alert. Tractor trailers and other large trucks do not move the same as other vehicles on the road. Wind can push the trailers into other lanes, tires can explode onto the road, and the truck can start to drift across lanes if the driver becomes fatigued.

Unfortunately, a truck driver cannot react as quickly to these situations because of the size and the weight of the truck. You must be alert to take defensive measures as needed when the truck driver cannot, including braking or changing lanes quickly.

Don't Pass on the Right

Trucks have to swing widely to the left to make a right turn, creating a large gap that may make it seem like there is room to pass. If you try to pass a truck on the right, you leave open the opportunity that the truck will plow into your vehicle if it is trying to turn right.

Passing on the right is never a safe idea, but it presents even more problems if you try to do it to a truck. Stay safe and always pass on the left.

Don't Drive in a Blind Spot

Every vehicle has a blind spot for the driver. If you are in a truck's blind spot and the driver makes a lane change or has to swerve to avoid debris or other obstacles, the results could be disastrous.

Stay safe and stay out of a truck's blind spot. Pass quickly, and stay ahead of or behind the truck instead of side-by-side.

Don't Cut Off a Truck

With all that weight in tow, it can be very difficult for a semi-truck to slow down or come to a stop quickly. In fact, it can take a large tractor-trailer the length of three football fields to come to a complete stop from traveling 60 mph. If you cut off a semi-truck, the driver won't be able to stop quickly and may just plow right into the back of your vehicle.

Leaving plenty of room between you and a semi-truck when pulling into the same lane. Not only is it courteous, but it will also keep you both safe.

Don't Follow Too Closely

If you are tailgating a semi-truck, chances are that the driver can't see you and that you can't see anything in front of the truck - meaning that you also can't know if obstacles are approaching. If the truck has to come to a sudden stop, you may not have any warning, and an accident could easily occur.

It's always a good idea to allow enough following space between you and another vehicle on the road. It's even more important to do so when you are behind a large tractor-trailer.

Remember: Semi-trucks don't behave the same way as other vehicles on the road. Following these tips will help keep you and other drivers safe.

North Carolina Personal Injury Lawyers

If you have been injured in a trucking accident, you may be entitled to compensation for your injuries. Call the Law Offices of James Scott Farrin at 1-866-900-7078 for a free evaluation of your case and to find out if one of our North Carolina personal injury lawyers may be able to help you!

Paper Reports that Home Loans are Available to Many In as Little as a Year after Bankruptcy Filing

Many people who file bankruptcy fear that it will be years before they can buy a home (perhaps for the first time) because the bankruptcy will be on their credit report for 7 to 10 years. However, the New York Times reported last week that this fear is unfounded for many, with some mortgages becoming available to some consumers in as little as a year after bankruptcy has been discharged.

According to the paper, those who file for Chapter 13 bankruptcy protection qualify for a mortgage guaranteed by the Federal Housing Administration (FHA) one year after discharge, and those that file for Chapter 7 qualify in two years.

Of course, consumers will have to work on managing their credit following their bankruptcy discharge to improve their score. This can be done by paying bills on time and using credit responsibly.

HandShake_07312014Financial advisors say that using one or two credit cards with a small balance and paying them off regularly is a great way to rebuild your score after a bankruptcy. If you can't qualify for an unsecured card, then you may be able to get a secured card (one that is backed by a cash deposit) from your bank.

Though a bankruptcy does remain on your credit report for up to 10 years, it is not a financial death sentence. As this report shows, consumers can get approved for new credit relatively quickly following a bankruptcy discharge, and responsible financial management can quickly bring your score back up.

In most cases, filing for bankruptcy is a powerful tool in helping consumers who have become overwhelmed by debt to take charge of their finances and get back on the road to recovery. For many consumers, if they do not file for bankruptcy, they will struggle with overwhelming debts for years, leaving them unable to move forward with purchases like a car or new home. For those consumers, bankruptcy makes financial progress possible.

North Carolina Bankruptcy Lawyers

If you are in over your head in debt, a North Carolina bankruptcy lawyer at the Law Offices of James Scott Farrin may be able to help you. Call our offices at 1-866-900-7078 for a free consultation and to find out how bankruptcy may be able to help you!

Center on Budget and Policy Priorities Publishes Paper Defending Social Security Disability Insurance

Happy15_07162014A senior fellow at the Center on Budget and Policy Priorities has written a paper defending the Social Security Disability Insurance program against claims that spending has gotten "out of control" by saying that the program provides "modest but vital benefits" and that any rise in expenses is primarily attributable to demographic changes.

Many legislators have criticized the program - which provides benefits to people who have become disabled and unable to work - for its increasing ranks. Many see this as evidence that the program is growing too large or that strict standards are not in place to ensure that those who receive benefits actually need them.

Kathy Ruffing argues in her report "Social Security is Vital to Workers with Severe Impairments" that Social Security disability claims are increasing primarily as a result of an aging population, more women entering employment and a rising retirement age that leaves more people in the workforce.

"An unfortunate tactic of some program critics is to compare today's receipt rates with those of the early- and mid-1980s," Ruffing wrote. "That amounts, however, to cherry-picking the data."

In addition, Ruffing argues, the Social Security disability program has strict standards for eligibility, and only 41 percent of applicants are given benefits that cover their "subsistence." Many struggle for years before they are given benefits, living on a significantly impaired salary or no salary at all.

North Carolina Social Security Disability Lawyers

At the Law Offices of James Scott Farrin, we agree that Social Security Disability Insurance is an important program that provides needed benefits for disabled workers. If you have been denied benefits, one of our North Carolina Social Security disability lawyers may be able to help you. Call 1-866-900-7078 for a free evaluation of your case.

NC Gov. Bev Perdue Forms Panel to Investigate Ways to Enforce Workers’ Compensation Policies

North Carolina Governor Bev Perdue issued an executive order in August to form a task force to look for ways to crack down on businesses that are not paying workers' compensation taxes or buying the proper insurance.

The panel will be comprised of representatives from several state agencies and advocacy groups. It will be led by Wayne Goodwin, the state Insurance Commissioner.

Perdue has charged the panel with finding a way to crack down on employers who incorrectly classify employees as a way to avoid buying the proper workers' compensation insurance policy.

WorkersComp8_07312014The News & Observer reported that some businesses are incorrectly classifying employees as independent contractors in order to avoid paying for the costly workers' compensation insurance needed to cover them in case of injury. In April, the newspaper reported that at least 30,000 businesses in the state do not carry workers' compensation insurance at all (even though they are required to do so).

The panel may consider drafting new legislation to address these problems, or it could recommend easier ways to report suspected violations. The N&O reported that agencies currently do not have a good system in place to communicate with one another about suspected violations.

Perdue's task force is asked to submit reports every six months with its recommendations. The first report is due in early 2013.

North Carolina Workers' Compensation Lawyers

If you were injured on the job, you may be entitled to compensation for your injuries. Call the Law Offices of James Scott Farrin at 1-866-900-7078 for a free evaluation of your case and find out if one of our North Carolina workers' compensation lawyers may be able to help you.

10 Things NOT to Do if You are Going to File for Bankruptcy

There are many times we look back and think, "I wish I had not done that!" Lawyers may also think "I wish they [my client] had not done that," too.

You can't change the past, but wouldn't it be nice to know what you should try and avoid ahead of time when possible? With that in mind, I have come up with this list of 10  things NOT to do if you are going to file for bankruptcy.

In an effort to keep this list simple and clear, I have kept out all of the qualifiers we lawyers like to include. I could have taken up pages and pages with this list if I wanted to include every possible exception or defense. I always suggest talking about your specific situation with a bankruptcy lawyer so that you can best determine what to expect in filing a bankruptcy case. But this is a good general list of guidelines for things to avoid doing if you are thinking about filing a bankruptcy:

1. Don't Pay Back Family Members

Relatives are "insiders" under the Bankruptcy Code. If you pay back money to an "insider" during the 12-month period before you file a bankruptcy petition, it can be considered a "preference" and it can be undone by the trustee. In other words: The court may go after your relative to get the money back.

The trustee can ask for the money back, but if this does not work, the trustee can sue your family member in federal court for return of the funds.

Avoid this situation and just list your mom, dad, or other relative as a creditor (because they are a creditor), and you can tell them, if you want, that you'll do your best to pay them back after your case is filed. You may actually be doing them a favor!!

2. Don't Take Out a Large Cash Advance

If you take out a cash advance of more than $875* within 70 days of filing a bankruptcy case, a creditor may file a lawsuit in bankruptcy court to declare these funds as non-dischargeable. This means you would still owe this debt after your bankruptcy case is over. Cash advances include both credit card cash advances and pay day loans.

If you are thinking about filing for bankruptcy, don't borrow any money you don't have to - or any money that you can't afford to pay back.

3. Don't Buy Luxury Goods on Credit

If you make a "luxury" purchase of $600 or more* within 90 days of filing a bankruptcy case, this is also considered to be non-dischargeable and you may find yourself still owing the creditor for these debts after your case is done.

Luxury goods can include items such as clothes, electronics, or other personal goods that are not "reasonably necessary" for day-to-day support and maintenance.

4. Don't Incur New Debt

Don't run up a lot of debts or go out taking out new debt that you have no intention of paying. If you do, you may find yourself the subject of a legal action.

At a minimum, the court could determine that this debt must be repaid, so you would still owe the money when your case was discharged. At most, you could face fees and other penalties.

5. Don't Pay off Some of Your Credit Cards and Expect to Keep Them

While it's true that you do not need to identify a credit card company as a creditor if your balance due on the date your bankruptcy petition is filed is $0, this does not mean that you will get to keep that credit card.

You have to identify any payments over $600** to a single creditor during the 90-day period before you file your bankruptcy case. These payments are "preference" payments, and just like with a family member, the trustee can sue the creditor to return the funds to be redistributed amongst your other creditors.

Also, in my experience, credit card companies will often cancel your card as soon as it discovers you are in a bankruptcy. (They will know because the bankruptcy is reflected on your credit report.) Therefore, you may pay off the credit card before you file in an effort to keep it, but the company may cancel your card anyway. You're out the cash and the card.

ComputerMouse_050720146. Don't Sell or Give Away Valuable Property

Selling or giving away property is considered to be a transfer of that property. You are required to identify all transfers that took place within a 2-year period of filing your bankruptcy case. Transfers can include selling a couch on Craig's list or eBay, holding a yard sale, gifting money to a family member, or selling your car.

Many transfers are allowable, such as selling your car for market value or holding a yard sale. However, if you gave a relative money or you sold your car to your nephew for $500 when it is actually worth $2,000, this would be considered a "fraudulent conveyance" under the Bankruptcy Code.

If you sold or gave away property for less than its value before filing a bankruptcy case, the trustee can go after these just like "preference" payments to family members.

7. Don't Hide Things from Your Attorney

Your attorney can only give you advice based on information you provide.

Failing to identify property you own, intentionally undervaluing your property, omitting a "preference" payment or "transfer" that you think may create a problem, or otherwise providing false information can have serious consequences. Not only can your discharge be denied (meaning that you will still owe all of your debts),
but your case can also be turned over to the U.S. Attorneys' Office for prosecution of bankruptcy fraud. If found guilty, you could face time in federal prison and/or a hefty fine.

Give your attorney all the information so you can discuss ways to solve potential problems before they become even bigger problems.

8. Don't Wipe Out Your Retirement Account

Most retirement accounts are protected from your creditors and the bankruptcy trustee. If you do not have enough in your retirement to fully resolve all of your debt issues - and handle the tax consequences of the withdrawn funds - it is generally not advisable to do so.

Pulling money out of your protected retirement accounts so that you can maintain the minimum payments on your credit card bills or medical bills is often just delaying an inevitable financial crisis. You may find yourself still owing a lot of debt - and in need of filing a bankruptcy anyway - and then you also have no retirement left.

This one particularly breaks my heart when it is an elderly client that does not have as much time to rebuild retirement funds.

9. Don't Wipe Out Your Savings Account

Savings accounts, unlike retirement accounts, are often not protected or not fully protected from your creditors and the bankruptcy trustee. It depends on what other assets you have and what exemptions are available to you.

However, you don't want to use your limited savings funds to pay down credit card debts and medical bills when you also have car payments or mortgage payments. Unsecured debts may be able to be discharged in a bankruptcy, while house and car payments may not.

You also may want to have some of these funds to pay for filing your bankruptcy case. Do you want to spend $5,000 or more barely putting a dent in your overall debt or spend less then $2,000 to wipe out all or most of your debt in a Chapter 7 bankruptcy case?

10. Don't Commingle Protected Funds

Some forms of income are fully protected, such as personal injury funds, workers' compensation benefits, and Social Security funds (disability or income). A portion of your income is generally protected, as well.

You don't want to mix these funds together because it can become hard to identify what portion of the money in your bank account is from a personal injury award 3 months ago and what portion is from your earnings from the past 60 days. Be sure to maintain separate accounts so all sources of income can be clearly identified.

If you ever have questions about how bankruptcy laws may apply to your case, simply contact a bankruptcy lawyer. Call me at 1-866-900-7078 for a free consultation of your case to find out how bankruptcy may be able to help you!

* These amounts are adjusted every 3 years pursuant to Section 104 of the Bankruptcy Code.

** The amount listed is for individuals filing a bankruptcy with primarily consumer debts. The "preference" amount for a bankruptcy filer whose debts are primarily non-consumer debts is currently $5,850 (but this too is adjusted every 3 years pursuant to Section 104 of the Bankruptcy Code).

Don’t Wait Until It’s Too Late to Call a Bankruptcy Lawyer!

Frustrated3_06032014A common scenario I run into as a bankruptcy lawyer is that people will contact me because their home is in foreclosure and they want to find a way to save it, possibly by filing for bankruptcy. However, many of these people have let their mortgage fall so far behind that not even bankruptcy can help them. They waited too long to call a lawyer!

Unfortunately, the answer to my question "How many months are you behind on your mortgage?" is far too often "Years." Many people who call me have tried to work with their mortgage companies for months or years to get their loan modified, and the bank refuses to accept payment while negotiations are underway. Meanwhile, the sale date on foreclosure proceedings is delayed and they continue to rack up more late payments.

When the bank finally puts a stop to negotiations and refuses to accept any modifications to the loan, all of the mortgage payments that were delayed suddenly become due and the foreclosure proceedings that the homeowner may have thought would be delayed again move forward. Some of these people have become 2 years or more behind on their mortgage payments and have only a few weeks to come up with the past-due amount.

If these homeowners are now 2 years behind with a mortgage payment of $850 a month, that's $20,400 due immediately to save the house from being sold at foreclosure.

Not many of us have $20,400 sitting around - especially if we were already struggling to pay our mortgage.

Some of the people I talk to may have saved some money while they were negotiating with the mortgage company and weren't required to pay their mortgage payment. However, the amount they may have saved is usually far less than what they owe. This could be because:

  • A job loss or reduction in hours may have cut their income (causing them to fall behind on their mortgage in the first place).
  • The money that would have been spent on the mortgage was used on other living expenses for which there weren't funds.
  • Unexpected expenses or emergencies came up that required use of those savings.
  • The savings were used to pay down credit card bills or other debts, with the expectation that the mortgage would be modified.

 

What Bankruptcy Can Do For You

It is often when people find themselves on the eve of a foreclosure sale they thought would be postponed again but was not, and modification is off the table with as much as 2 years in past-due payments owed, that they call a bankruptcy attorney to try and save their home.

There are several types of bankruptcy, but when it comes to filing a bankruptcy with the purpose of trying to save your home from a foreclosure, Chapter 13 is generally the type of case filed. A Chapter 13 bankruptcy is a reorganization of debts that allows you to do things like catch up on your mortgage payments over the course of your bankruptcy payment plan.

Here's the catch: A Chapter 13 bankruptcy can only go up to 60 months (5 years). During this time, you must pay your current mortgage payment IN ADDITION TO the past-due amount that you owe. Mortgage, plus.

It comes down to the math. The further you are behind on your mortgage when you file a Chapter 13 bankruptcy case, the bigger your monthly payment must be to bring it current within the 5-year plan. You will also have some or all of your bankruptcy attorneys' fees and a trustee commission to pay in your plan, in addition to any late fees or back taxes.

It's not all bad news! A Chapter 13 bankruptcy offers many benefits if you are looking to reorganize your debts. You can reduce the interest you pay on a car loan and stretch out the payments. In some cases, you can reduce the balance you owe on your car loan, and credit card debts and medical bills can often be completely wiped out with little to no payments required. There are even some cases where you can "strip" off a second or third mortgage and treat that as a general unsecured claim (like a credit card).

Call a Bankruptcy Attorney before It's Too Late!

Don't wait until the mortgage company tells you that it won't modify your mortgage and that you now owe more than you could afford to pay!

Don't get me wrong. Modification, if it works, can be a great savior for home owners, particularly when income has declined and it is not going to go back up. However, there are no guarantees that the bank will accept your proposal, and if you wait too long before looking at other options, you may be out of options.

If bankruptcy is the right step for you, the sooner you file, the sooner you can take control of your debt and begin to pay it back (if you file Chapter 13) or the sooner you can free up some income by discharging your unsecured debts (most Chapter 13 cases and Chapter 7 cases).

The sooner you file, the less money you will pay in the long run in fees and penalties, as well, saving you a lot of money.

Don't think of bankruptcy as a measure of last resort! If you are behind on your mortgage or have become over you head in debt, bankruptcy may be a powerful tool to help you better manage your budget and take control of your finances.

Call me today at 1-866-900-7078 for a free consultation and to talk about your options. Don't wait until it's too late!

What You Should Do When You’ve Been Injured on the Job

Injuries can happen on the job even in the safest working environments. When you are injured on the job, you may be entitled to compensation. In order to protect your rights, you need to make sure you take the right steps after you have been injured.

Here are a few things you should do when you've been injured on the job:

Get Medical Treatment Right Away

Even if you feel that your injuries are minor, you should seek medical treatment right away if you have experienced an accident at work. Some injuries that appear minor at first could become very serious. For example, internal bleeding or concussion may not be obvious right away, but if left untreated, they could lead to serious injury and even death.

Get first-aid care on the scene as needed then go see a health-care provider to evaluate your injuries.

Notify Your Employer

You should notify your employer as soon as possible about your accident or injury. If you are not incapacitated, you should tell your employer immediately after the accident has happened. Later, you can file an official report for the incident, detailing what happened.

Document What Happened

As soon as you are able to, document what happened. File your report and take notes about the details of the incident. Take pictures if possible. Provide the names of witnesses. Include any other evidence that may be available, such as broken machine parts that may have caused a malfunction, and so on.

Whatever documentation and evidence you can provide may make it easier to settle your case if your claim is disputed.

Keep Records

As time goes on and you continue to get medical care and have further discussions with your employer about the incident, be sure to keep records. Keep documents showing your doctor's visits and medical bills. Keep a log of when you meet with your employer or legal representatives to discuss your case.

The records you keep can also help you to settle your case should legal action be required.

Get Proper Ongoing Medical Care

Once you get medical treatment, be sure to see a doctor for a follow-up visit and to continue keeping all recommended appointments. If you require ongoing medical care, be sure that you keep all your appointments and that you follow your doctor's directions for care.

Failure to get proper medical care or to follow your doctor's orders could damage any potential claim you have against your employer's insurance company for your injuries.

Consult with an Attorney

Of course, an experienced workers' compensation attorney can offer you advice about your case and the actions you can take to potentially improve your outcome. What you don't know can hurt you in a legal case, and a qualified attorney can offer you guidance about what to do to protect your rights.

Consult with a workers' compensation attorney as soon as you can after you have been injured - even before you meet with your employer, if possible.

North Carolina Workers' Compensation Lawyers

If you have been injured on the job, you may be entitled to compensation for your injuries. Contact the Law Offices of James Scott Farrin at 1-866-900-7078 to find out if one of our North Carolina workers' compensation lawyers may be able to help you!

Contact Information

Raleigh Law Office

5848-100 Faringdon Place
Raleigh, NC 27609
Phone: 919-834-1184
Toll Free: 1-866-900-7078

Durham Law Office

280 South Mangum Street, Suite 400
Durham, NC 27701
Phone: 919-688-4991
Fax: 800-716-7881

Fayetteville Law Office

517 Owen Drive
Fayetteville, NC 28304
Phone: 910-488-0611
Toll Free: 1-866-900-7078

Charlotte Law Office

201 McCullough Drive, Suite 220
Charlotte, NC 28262
Phone: 704-599-1078
Toll Free: 1-866-900-7078

New Bern Law Office

1505 South Glenburnie Rd, Unit P
New Bern, NC 28562
Phone: 252-634-9010
Toll Free: 1-866-780-3422

Greenville Law Office

702 G Cromwell Dr.
Greenville, NC 27858
Phone: 252-355-5205
Toll Free: 1-866-780-3227

Greensboro Law Office

300 N. Greene Street, Suite 850
Greensboro, North Carolina 27401
Phone: 336-665-7072
Toll Free: 1-866-900-7078

Goldsboro Law Office

214 South William Street, Suite 3
Goldsboro, NC 27530
Phone: (919)-731-2581
Toll Free: 1-866-900-7078

Henderson Law Office

514 Dabney Drive, Suite 200
Henderson, NC 27536
Phone: 252-492-4600
Toll Free: 1-866-900-7078

Roanoke Rapids Law Office

709 Julian R. Allsbrook Highway
Roanoke Rapids, NC 27870
Phone: 252-537-9670
Toll Free: 1-866-900-7078

Rocky Mount Law Office

3202 Sunset Avenue, Suite B
Rocky Mount, NC 27804
Phone: 252-937-4730
Toll Free: 1-866-900-7078

Sanford Law Office

703-B South Horner Boulevard
Sanford, NC 27330
Phone: 919-775-1564
Toll Free: 1-866-900-7078

Wilson Law Office

2315 Airport Blvd Suite A
Wilson, North Carolina 27896
Phone: 252-246-9090
Toll Free: 1-866-900-7078

Winston-Salem Law Office

301 N. Main Street, Suite 2409-C
Winston-Salem, NC 27101
Toll Free: 1-866-900-7078