Tag: Law

Legal Aid Directory

Legal issues often arise when you least expect and usually at an inconvenient time. It’s not always easy to figure out if you need a lawyer, and, unfortunately, the cost of hiring one sometimes keeps people from getting the help they need.

Fortunately, there are providers at the national and state levels that offer free or low-cost legal help to those in need. This might be a self-help center at a law school or courthouse where law students can help you fill out legal forms or a lawyer referral service through your local bar association. Or it may be a free consultation with a lawyer to help sort out your legal problems and plot a course forward. Sometimes, these organizations even work with highly reputable law firms, offering their attorneys pro bono (no cost) legal help.

The type of free legal help available to you depends on what area of law you need help with. Some only deal with cases such as domestic violence or family law. Other nonprofits only deal with property issues such as foreclosure and eviction.

Find out more about legal resources in your area by looking through the links and contact information below. The links will answer your faqs and start you on your way to finding the legal resources and general legal information you need.

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

National Resources

When dealing with a legal matter, an attorney’s help is often critical to a successful outcome. Getting in touch with good legal representation is usually the biggest hurdle, especially someone who can give you free legal answers. Use these state legal aid resources to help you get answers to your legal questions.

Tim McCandless Blogs its amazing what you can do if you don’t watch TV

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Usury is comming back as a viable cause of action

Loans
Loans (Photo credit: zingbot)

USURY: The trial court improperly granted a motion for summary judgment on the basis that the loan was exempt from the usury law.

1. The common law exception to the usury law known as the “interest contingency rule” provides that interest that exceeds the legal maximum is not usurious when its payment is subject to a contingency so that the lender’s profit is wholly or partially put in hazard. The hazard in question must be something over and above the risk which exists with all loans – that the borrower will be unable to pay.
2. The court held that the interest contingency rule did not apply to additional interest based on a percentage of the sale price of completed condominium units because the lender was guaranteed additional interest regardless of whether the project generated rents or profits.
3. The loan did not qualify as a shared appreciation loan, permitted under Civil Code Sections 1917-1917.006, because the note guaranteed the additional interest regardless of whether the property appreciated in value or whether the project generated profits.
4. The usury defense may not be waived by guarantor of a loan. (No other published case has addressed this issue.)wri_opportunityloans_v_cooper