Spring Has Returned To Northwest Indiana - Attorneys Share Spring Care Car Tips

As it is springtime again in Northwest Indiana, Schlyer & Associates wants to share simple spring car care tips to keep you and your car safe.

Oil Change: Check oil level regularly and change the oil every three months or 3000 miles, whichever comes first, for top performance and longer engine life.

Check the transmission fluid for correct level. Check the owner's manual for the right type of transmission fluid to use and the proper interval for service and replacement. Watch for leaks that can cause your transmission to fail.

Inspect power steering fluid for proper levels. Low power steering fluid can cause damage to the power steering system and lead to premature power steering failure.

Inspect windshield wiper blades for wear and cracks, ideally each spring and fall. GM recommends replacement of blades that look worn. Also inspect and replace the rear wiper blade, if equipped. Don't forget to check the windshield washer fluid.

Inspect and replace the engine air filter and the cabin air filter: Replace as necessary.

Inspect steering components and steering linkage: Replace as necessary.

Apply a protectant: Any vinyl surface including the dashboard, seats and the steering wheel are susceptible to cracking, sun damage and fading — be sure to apply a protectant at the beginning of the season and touch-up regularly.

Interior clean-up:  Vacuum, vacuum, vacuum! Be sure to throw away any unwanted garbage that has hibernated under your seats over the winter. And now is the time to store your winter vehicle mats in the garage.

Wash your vehicle: Most important, right?   A clean vehicle runs better, right? Not necessarily, but it does make the vehicle look better.  Just like a good maintenance program prolongs the life and performance of your vehicle, all vehicles regardless of the finish (clear coat, acrylic, enamel, etc.) require regular washing throughout the year. To preserve your vehicle’s shine and protect the surface, wax your vehicle once it has dried completely.

Clean the underbody: Do not forget the underside of your vehicle.   In addition to washing the exterior, be sure to spray the underbody and underneath the rear and front bumpers to rinse away any salt build-up which can lead to erosion and rusting. Use a high-pressure sprayer or garden hose for best results.

The attorneys and staff at the law firm of Schlyer & Associates hope you are safe when you are traveling.  Many times, simple maintenance can help you either avoid a crash or from getting stuck on the side of the road.

Call Schlyer & Associates if you are injured or need to file bankruptcy: If you are ever injured or need to file bankruptcy, please think of Schlyer & Associates first.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases.   Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

If you believe you have a case, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.  We can also help you file Chapter 7 or Chapter 13  bankruptcy if you live in Lake County or Porter County, Indiana only.  We are a Debt Relief Agency.  We can help you file an Affordable Bankruptcy.

Your Affordable Bankruptcy is only a phone call away if you live in communities of Hammond, East Chicago, Gary, Munster, Whiting,Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Merrillville, Hobart, New Chicago, Lake Station, Crown Point, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Town of Pines, Portage, Porter, Wheeler, Dune Acres, Kouts, Odgen Dunes, Chesterton, South Haven or Beverly Shores.

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  Our office is located across the street from Eye Care Plus and Spill the Beans gourmet coffee shop, near the intersection of Broadway and U.S. 30.

Call us today at (219) 757-0225 to schedule your free consultation and to show us your well maintained, clean car.  Remember, no fee unless successful.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Kraft Issues Recall of Macaroni & Cheese Dinners Indiana Trial Attorneys Warn

The lawyers and staff at Schlyer & Associates are warning Kraft Foods Group is voluntarily recalling approximately 242,000 cases of select code dates and manufacturing codes of the Original flavor of Kraft Macaroni & Cheese Dinner – due to the possibility that some boxes may contain small pieces of metal. The recalled product is limited to the 7.25-oz. size of the Original flavor of boxed dinner with the "Best When Used By" dates of September 18, 2015 through October 11, 2015, with the code "C2" directly below the date on each individual box.  The "C2" refers to a specific production line on which the affected product was made.

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

 

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, train crashes, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, casino injuries, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, and Cafe Fondue.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

IU Health LaPorte - Legionnaires Disease Contamination

Another Legionnaire Disease Outbreak at an IU Health Hospital

Did you know Schlyer & Associates will represent you if you or a loved one contracted Legionnaires Disease while at IU Health LaPorte?  Did you know in early 2014, IU Health Indianapolis had a Legionnaires outbreak resulting in several individuals passing away?

If you or a loved one is now suffering from legionella, please call us today at (219) 757-0225.  We have attached a copy of the article from today's Times regarding LaPorte IU Health.

http://www.nwitimes.com/business/healthcare/laporte-hospital-flushes-water-system-after-legionella-infections/article_e49b6b70-7da9-58aa-ba43-2048b8be6af1.html

An article from February 2014 regarding the deaths at IU Health Indianapolis from Legionnaires Disease:

http://www.indystar.com/story/life/diet-fitness/2014/02/04/2-patients-who-died-at-iu-health-had-legionnaires-disease/5209601/

Where Can I Find the law office of Schlyer & Associates?
We are located at 200 West 80th Place, Merrillville, Indiana 46410. We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Remember, no fee unless successful.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

It is 2015 - It Is Time To Get Your Financial House In Order By Filing An Affordable Bankruptcy

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcy meeting with one of our bankruptcy lawyers. We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed. We are here to help. We are a debt relief agency.

I do not live near your office, can you still represent me?
Absolutely. You can live just about anywhere and we can still represent you. However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana 46410. We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, and Cafe Fondue.

Call us today at (219) 757-0225 to schedule your free meeting.


Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Northwest Indiana & Chicagoland Medical Malpractice Attorneys

Did you know the attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, represent people who are injured?

 It does not matter if you were injured by a doctor, nurse, at a hospital, at work, at a store, in a car crash, or otherwise. Call Schlyer & Associates today to get the representation you deserve.

I Think My Doctor Did Something Wrong. It May Be Medical Malpractice. Should I Talk to a Lawyer?
Yes. If you think you are a victim of medical malpractice, please contact the law firm of Schlyer & Associates. The attorneys at Schlyer & Associates have experience in representing victims of medical malpractice in Indiana, Illinois and throughout the United States and can help you with your claim.  Medical malpractice can occur in a hospital, doctor's office, surgery center.  You can be a victim of medical malpractice due to a nurse, doctor, CNA, RN, surgeon or an intern.  If you believe you were a victim of medical malpractice, call  Schlyer & Associates today at (219) 757-0225.

Besides medical malpractice cases, what other types of personal injury cases can you help me with?
The attorneys at Schlyer & Associates have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates for my medical malpractice case?
If you believe you have an Indiana or Illinois medical malpractice claim, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive. Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois. There is no fee until successful. In Indiana and Illinois, the amount of the attorneys fee is set by statute. We can discuss those fee levels during the free meeting.

I do not live near your office, can you still represent me?
Absolutely. You can live just about anywhere and we can still represent you. However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?
We are located at 200 West 80th Place, Merrillville, Indiana 46410. We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting. Remember, no fee unless successful.



Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

It Is Dangerously Cold Outside - Be Careful If You Are In A Crash

With the weather very cold outside, it is very important to stay safe if you are involved in a crash.  After calling 911, it is important to stay warm and in a safe place.  The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, represent people injured in car / truck crashes and accidents as well as other personal injury cases.  The law firm is located in Northwest Indiana, in Merrillville.  If necessary, law suits are brought against those people and entities that are responsible for your injuries.

If you were injured in an accident and it was not your fault, please feel free to call Schlyer & Associates at (219) 757-0225 to schedule a free meeting with one of our personal injury lawyers.

Here are some of the typical questions we are asked by our potential clients after they are injured.

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, train crashes, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, casino injuries, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Have You Visited Our Facebook Page?

Please take a moment and visit our Facebook page.  You can find our Facebook page at
https://www.facebook.com/schlyerlaw.  We would appreciate if you Liked our Facebook page.

If you believe you have a legal matter to discuss with us, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.

The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Griffith, Highland, Gary, Whiting, Munster, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, Valparaiso, Hebron, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  Many of the Aggressive Trial Lawyers at Schlyer & Associatesare licensed in both in Indiana and Illinois.

If you need a personal injury attorney or need to file a personal Affordable Bankruptcy, we are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, down the street from Excel Academies of Cosmetology, Ted's Imported Foods and Cosmo Prof (a distributor of beauty products to licensed professionals).

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Tips For Driving In the Snow

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, share the best advice for driving in bad winter weather is not to drive at all, if you can avoid it.

Don't go out until the snow plows and sanding trucks have had a chance to do their work, and allow yourself extra time to reach your destination. If you must drive in snowy conditions, make sure your car is prepared (TIPS), and that you know how to handle road conditions.

It's helpful to practice winter driving techniques in a snowy, open parking lot, so you're familiar with how your car handles. Consult your owner's manual for tips specific to your vehicle.

Driving safely on icy roads

1. Decrease your speed and leave yourself plenty of room to stop. You should allow at least three times more space than usual between you and the car in front of you.
2. Brake gently to avoid skidding. If your wheels start to lock up, ease off the brake.
3. Turn on your lights to increase your visibility to other motorists.
4. Keep your lights and windshield clean.
5. Use low gears to keep traction, especially on hills.
6. Don't use cruise control or overdrive on icy roads.
7. Be especially careful on bridges, overpasses and infrequently traveled roads, which will freeze first. Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.
8. Don't pass snow plows and sanding trucks. The drivers have limited visibility, and you're likely to find the road in front of them worse than the road behind.
9. Don't assume your vehicle can handle all conditions. Even four-wheel and front-wheel drive vehicles can encounter trouble on winter roads.

If your rear wheels skid:

1. Take your foot off the accelerator.
2. Steer in the direction you want the front wheels to go. If your rear wheels are sliding left, steer left. If they're sliding right, steer right.
3. If your rear wheels start sliding the other way as you recover, ease the steering wheel toward that side. You might have to steer left and right a few times to get your vehicle completely under control.
4. If you have standard brakes, pump them gently.
5. If you have anti-lock brakes (ABS), do not pump the brakes. Apply steady pressure to the brakes. You will feel the brakes pulse — this is normal.

If your front wheels skid:

1. Take your foot off the gas and shift to neutral, but don't try to steer immediately.
2. As the wheels skid sideways, they will slow the vehicle and traction will return. As it does, steer in the direction you want to go. Then put the transmission in "drive" or release the clutch, and accelerate gently.

If you get stuck:

1. Do not spin your wheels. This will only dig you in deeper.
2. Turn your wheels from side to side a few times to push snow out of the way.
3. Use a light touch on the gas, to ease your car out.
4. Use a shovel to clear snow away from the wheels and the underside of the car.
5. Pour sand, kitty litter, gravel or salt in the path of the wheels, to help get traction.
6. Try rocking your vehicle. (Check your owner's manual first — it can damage the transmission on some vehicles.) Shift from forward to reverse, and back again. Each time you're in gear, give a light touch on the gas until the vehicle gets going.
   Source: National Safety Council, New York State Department of Motor Vehicles, Washington State Government Information & Services & The Weather Channel.

The Aggressive Trial Lawyers at  Schlyer & Associates have the experience to represent you in many types of personal injury cases or other legal matters.

The attorneys at Schlyer & Associates have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents,casino accidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, casino injuries, medical malpractice, nursing errors, hospital negligence, slip and falls at stores, slip & falls at restaurants, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

If you believe you have a legal matter to discuss with us, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.

The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Griffith, Highland, Gary, Whiting, Munster, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, Valparaiso, Hebron, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  Many of the Aggressive Trial Lawyers at Schlyer & Associatesare licensed in both in Indiana and Illinois.

If you need a personal injury attorney or need to file a personal Affordable Bankruptcy, we are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, down the street from Excel Academies of Cosmetology, Ted's Imported Foods and Cosmo Prof (a distributor of beauty products to licensed professionals).

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Real Truths About Filing An Affordable Bankruptcy

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville.  Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy.  MSN recently posted an article about bankruptcy myths that we will share with you.  Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225