Who to consult and how insurance works


To decide which type of insurance adviser you need you should identify the risks to your business.
You should consult:
·        An independent financial adviser (IFA) for people-related risks and business-planning issues, such as life assurance, protection, health and business continuity. IFAs also deal with pensions and investments - see our guides: know your legal obligations on pensions and pension planning for the self-employed.
·        An insurance broker for general and commercial risks, such as motor insurance and employers' liability insurance.
Some firms offer both IFA and broker services but if your adviser does not deal with a particular type of insurance they should be able to direct you to an alternative provider. See the pages in this guide on where to get advice on choosing a broker and where to get advice on choosing an independent financial adviser.
Insurance brokers, advisers and other insurance intermediaries are regulated by the Financial Services Authority (FSA) and you should make sure that your adviser has FSA  authorisation .Check that an insurance broker is regulated by the FSA on the FSA website.
Always be honest
Honesty is essential in all dealings with insurers. You have a duty to tell the absolute truth, in other words to act in utmost good faith.
Providing incomplete information or withholding something that is relevant can invalidate a claim, contract and policy. Relevant information is a broadly defined term and if you have any doubt at all regarding the relevance of information you should declare it.
Your adviser can assist in deciding the relevance of information submitted to the insurance company.
How premiums are calculated
Your premiums will be calculated based on the information you give and the history of similar business types. Your premiums can be affected by the claims you have previously made and by the levels of risk attached to people in your employment or to your business and assets.
 Presenting your risk details
A comprehensive health and safety risk assessment is the first step to compiling a presentation of your risks. You can conduct assessments for other types of risk, such as fire and security - which could include premises, vehicles, workers and IT. For more information, see our guide on how to insure your business and assets - general insurances.

Assess your risks

With the assistance of your insurance broker you should carefully assess your insurance requirements and compile a thorough report of the condition of your business. For more information, see our guide on managing the risks in your business.
A good presentation of your risk details with all the required information and evidence of good practices will help the insurance company to make the right decision about how much of a risk your business is and how much premium to charge.
It is the job of your insurance broker to help you present the risk. It is also their job to obtain comparative quotes from different insurance companies.

Specialist insurance

Your broker should also identify whether you will need to take out specialist insurance for your type of business. There are many types of commercial insurance you may wish to consider. For more information, see the page on identifying risks and insuring against them in our guide on how to insure your business - people, life and health.

Minimise your risks

You are more likely to get cover if you can demonstrate that you have had few or no accidents in your business and that the business takes safety seriously, with detailed risk-assessment records and comprehensive training practices.
This is especially important for high-risk businesses, such as those that undertake more dangerous activities such as working at height or with dangerous substances.


HOW CAN I FIND AND HIRE THE RIGHT , THE GOOD LAWYER


1. Why might I need a lawyer?
You may have a legal problem and not know how to resolve it. Lawyers have been specially trained in the law and our legal system. And the right lawyer can advise and assist you with your particular problem.

If you are facing criminal charges or a lawsuit, for example, a lawyer can help you understand your rights, and the strengths and weaknesses of your case. A lawyer knows the rules and procedures for arguing the case in court. And a lawyer can make a big difference in whether or not your side of the story is successfully presented to a judge or jury.

A lawyer can help you get a divorce, file for bankruptcy or draw up a will. Or, if you have been seriously injured or mistreated, a lawyer can help you file a lawsuit. Some lawyers handle a variety of legal problems; others specialize in certain areas of the law.

In some instances, failing to call a lawyer immediately can make the situation worse. If you are arrested or involved in a serious auto accident, for example, someone should interview the witnesses and gather evidence as soon as possible.

In other situations, preventive legal advice could save you time, trouble and money by preventing legal problems before they arise. Take, for example, the purchase of your family home. You might have a problem in the future if you sign the purchase agreement without completely understanding it. Or maybe you are launching a business with a partner. A lawyer could point out the advantages and drawbacks of various partnership arrangements.

These are just a few of the many situations in which lawyers can provide advice and assistance.
2. How do I find a lawyer?






California has more than 160,000 practicing lawyers. You should be able to find the right one—if you know where to look.

Recommendations. Maybe you know a lawyer in a town where you used to live. Perhaps a lawyer who works for a corporation lives across the street. These lawyers may be able to refer you to other lawyers who have experience with your type of problem. 

You could also ask your friends, co-workers and employers if they know any lawyers. Business owners and professionals such as bankers, ministers, doctors, social workers and teachers might be able to give you the name of a lawyer.

Certified lawyer referral services. You could call a local State Bar-certified lawyer referral service. This type of service refers potential clients to attorneys. After interviewing you, the referral service staff will match you with a lawyer who is experienced in the appropriate area of the law. (There is usually a small charge for the initial consultation with a lawyer.) 

For an online list of certified lawyer referral services, visit the State Bar’s Web site at www.calbar.ca.gov/lrs. For a recorded message that can provide you with the phone numbers of certified services in your county, call 1-866-44-CA-LAW (1-866-442-2529). If you are out of state, you can call 415-538-2250 to hear the same recorded message. Or check the Yellow Pages of your telephone directory for a listing. (Keep in mind that the service’s State Bar certification number must appear in all advertising.)

State Bar-certified lawyer referral services must meet minimum standards established by the California Supreme Court. And because the State Bar enforces those standards, you could turn to the State Bar if you have a problem with the service. And if you were to file a complaint, the State Bar would look into it. There are other advantages as well. For example, a certified referral service:
·        Can refer you to a lawyer who has experience in the field of law that relates to your case.
·        Will refer you to attorneys who are insured. All lawyers who participate in certified lawyer referral services must carry malpractice insurance to protect their clients. This means that if your lawyer does something wrong, and you successfully sue for malpractice, the lawyer will have the ability to pay.
·        Will screen your call to determine whether you have a legal problem — or need some other type of assistance. And if you do need another type of assistance, the referral service can refer you to government agencies or other organizations that may be better suited to assist you. For example, you might have a problem that could be handled, without charge, by a rent control board or community mediation program.


·        Will only refer you to an attorney who has met certain standards of experience and is a State Bar member in good standing.
·        Will only refer you to an attorney who has agreed to do fee arbitration in the event of a fee dispute.
·        May be able to provide an attorney at a reduced rate. Lawyer referral services are required to make arrangements to serve people with limited means.
·        May be able to provide you with a bilingual attorney.
For more information on State Bar-certified lawyer referral services, see the State Bar’s consumer education pamphlet What Can a Lawyer Referral Service Do for Me? To find out how to order a free copy of this or any other State Bar consumer pamphlet, see #16 (page 17).

Advertisements. You also could check the Yellow Pages, newspaper advertisements or the Internet in your search for an attorney.

Most lawyers choose not to advertise, other than to list their names, addresses and telephone numbers in the Yellow Pages. But lawyers are allowed to advertise in the Yellow Pages, in newspapers and magazines, on the radio and television, on billboards, on the Internet or any place else—as long as the ad does not contain false or misleading information. Lawyers may use ads to list their fields of law. They also may post their fees.

If you decide to call a lawyer featured in an advertisement, keep the ad for reference. If the ad was aired on the radio or television, make notes for your records.

Joint advertising groups. Sometimes lawyers join together and advertise their services as a group. Often a group of lawyers will share an 800 telephone number and/or a Web site. State law requires that joint advertising groups identify by name the participating lawyers.

Public interest groups. Non-profit public interest organizations, such as groups concerned with civil liberties and housing discrimination, may be able to help you. Such groups sometimes have staff lawyers who handle such cases. Others provide legal help solely to groups of people rather than to individuals. For example, they might help you and your neighbors convince your city council to install a traffic light at a busy intersection.
To find such an organization, you could try contacting a local bar association, State Bar-certified lawyer referral service or government agency. For example, suppose you believe a landlord is discriminating against you. You might call your city or county housing office for the names of groups that are concerned with your problem. 

Client-attorney matching services. To find an attorney through such a service, you would typically post a brief description of your case on the service’s Web site. Attorney members of the service could then bid on the case by offering you a consultation. The selection of an attorney would be up to you. Such services (also called bulletin boards) are not State Bar-certified lawyer referral services. 

Free legal aid agencies. What if you can’t afford a lawyer? Depending on your income and the nature of your legal problem, you may be able to get free or low-cost legal help in non-criminal cases from a legal services program. Check the white pages of your telephone book to see if such an organization is located in your area.

A State Bar-certified lawyer referral service or local bar association may be able to refer you to a legal services program. California’s statewide legal services Web site —
www.LawHelpCalifornia.org — also could help you locate a local program and provide you with other resources as well. Or, maybe a law school clinic could assist you.

Suppose you are accused of committing a crime. If you cannot afford a lawyer, you might qualify for free help from the public defender’s office. Look in the white pages of the telephone book under your county’s listings. What if there isn’t a public defender in your area? In such an instance, a judge would typically appoint a private attorney to represent you free of charge.

Dispute resolution programs. In addition, many communities have “dispute resolution” programs. These programs can help you and another person “mediate” or work out problems instead of going to trial. For more information, see the State Bar pamphlet How Can I Resolve My Dispute Without a Trial?For instructions on ordering, see the contact information at the end of #16 (page 17).

Prepaid legal services plans. Perhaps you belong to a “legal insurance” plan through your employer, labor union, credit union, credit card company — or as an individual. Your plan may cover the kind of legal work you need — just as medical insurance plans pay certain medical costs. Generally, the premiums you pay entitle you to a certain amount of a lawyer’s time or to a lawyer’s services at a reduced rate.

 
3. Do lawyers specialize?
Some do. And the State Bar has a program designed to help you find skilled specialists. Lawyers can become State Bar-certified specialists (and advertise themselves as such) by passing a written examination, demonstrating a high level of experience in the specialty, fulfilling ongoing education requirements and being favorably evaluated. Currently, the State Bar certifies lawyers in 11 specialties: admiralty and maritime law; appellate law; bankruptcy law; criminal law; estate planning, trust and probate law; family law (divorce, custody and related issues); franchise and distribution law; immigration and nationality law; legal malpractice law; taxation law; and workers’ compensation law.
The State Bar also accredits the certification programs of private certifying organizations in: civil trial advocacy, criminal trial advocacy, family law trial advocacy, business bankruptcy law, consumer bankruptcy law, creditors’ rights law, elder law, legal malpractice, medical malpractice, Social Security disability law and juvenile law (child welfare). Lawyers certified by these organizations may also advertise as “certified” specialists. Keep in mind, however, that there are lawyers with experience in all of these legal areas who simply do not seek certification.
For an online list of State Bar-certified specialists, visitwww.californiaspecialist.org and go to Specialist Search. Or contact the State Bar’s Office of Certification at 415-538-2120.
4. What should I do if a lawyer asks for my business?
Be very cautious. Certain unsolicited communications from an attorney could violate the legal profession’s code of ethics. Suppose you have been injured in an automobile accident and a lawyer or lawyer’s representative visits you in the hospital and asks to handle your case. This kind of behavior is called soliciting and is not permitted under the code of legal ethics. If you think you’ve been solicited, you can report the lawyer to the State Bar by calling 1-800-843-9053.
5. How will I know which lawyer is best for me?
Before you meet with any lawyers, do some “comparison shopping.” Make a list of several lawyers. Call each lawyer and ask questions that might help you make your decision. (Some lawyers may prefer to meet with you briefly in person.) 

Ask about the lawyer’s experience and when he or she last handled a similar case. Ask if he or she will meet with you once free of charge before you make your hiring decision. If there is a fee for such a consultation, find out how much it will be. In any case, do not expect a long first meeting; 15 minutes to a half-hour is average.

Write down everything that the lawyers have to say. Take time to think it over. Then make another appointment with the lawyer who seems right for you.
6. Should I hire the lawyer :
It depends on how you feel after your first meeting with the lawyer. Before the meeting, jot down key points in your case to share with the lawyer. Bring the names, addresses and telephone numbers of everyone connected with the case. In addition, bring all papers related to the case. Some lawyers may want to review the papers before your meeting.

Ask about any similar cases that the lawyer has handled. And keep in mind that age may have nothing to do with the lawyer’s ability to help you. A lawyer who has practiced 20 years may have less experience with your type of problem than a lawyer who is three years out of law school.

In addition, find out if the lawyer will handle your case personally. If the lawyer intends to have another member of the law firm handle any part of the case, you might want to talk to the second lawyer as well.

Be wary of any attorney who guarantees results. Most lawsuits and other legal work are not “sure things.” However, a lawyer should be able to point out the strengths and weaknesses of your case.

Find out how long the lawyer expects your case to take, what steps will be involved, and what and how you will be charged. If you don’t understand something, ask for a simpler explanation. 

In addition, you can check the State Bar’s Web site (www.calbar.ca.gov) to find out if the lawyer has ever been publicly disciplined by the bar. Simply go to Attorney Search and Attorney/Member Search, then type in the attorney’s name or bar number.

You may decide to hire the lawyer after your first meeting, or you may want some time to think about it.
Ask yourself a few questions:
 
Will you be comfortable working closely with the lawyer?
·         Do you think the lawyer has the experience and skill to handle your case?
·        Do you understand the lawyer’s explanation of what your case involves?
·         Does the fee seem reasonable?
If your answer to one or more of these questions is “no,” you probably should talk to another lawyer. If all of your answers are “yes,” you may have found the right lawyer for you.

7. How closely will I be involved in my lawyer’s work?
It will depend on your particular arrangement. You may be able to help by gathering papers and other evidence and by lining up witnesses. In any case, you should tell the lawyer everything you can about your problem and report any new developments immediately. To do a good job, the lawyer must know everything you know — including information that could be damaging to your case or that may seem unimportant to you.

Ask the lawyer to explain the various steps involved in handling your problem. You also could request copies of all letters and documents prepared for your case. And you may want to know how often the lawyer will update you. Depending on your situation, the lawyer may be able to provide a timetable that lays out the steps in the case. However, this may not always be possible. If you are involved in a lawsuit, for example, the court’s schedule and backlog will influence how long your case will take.

If you have any questions as your case moves along, call the lawyer. However, keep in mind that, depending on the fee arrangement, you could be charged for the lawyer’s time during the phone call.
8. Can I hire a lawyer to just handle certain parts of my legal matter?
Yes, in some cases. Limited representation — hiring an attorney who will assist you at particular stages of your case — may be appropriate for you. Whether it is a good option in your case could depend on the complexity of your legal matter and your financial situation. Generally, limited representation involves less cost.

While some attorneys will not work solely on portions of a case, others will agree to provide limited representation. These attorneys may be referred to as consulting attorneys, coaches or providers of unbundled legal services. Such attorneys do not take on the full responsibility for overseeing or handling your case. The limits of the representation are set by agreement. If you choose such representation, make sure you understand the extent of the attorney’s services. Such services might include, for example, assistance with a negotiation strategy, representation at a particular court hearing or the attorney’s “sign-off” on any legal agreement.

Another alternative would be to hire a collaborative attorney. In this process, those on both sides of the case and their collaborative attorneys meet to work out their differences through an out-of-court process. If the dispute is not settled, however, those involved would have to hire new attorneys if they want legal help in preparing for a trial.
9. Is it important to have a fee agreement?
Yes. You and your lawyer should agree on what you will pay the lawyer and what services will be provided. This way, both of you will know what to expect from each other.

By law, fee agreements must be in writing when the lawyer expects the fees and costs to total $1,000 or more. But even if the lawyer fails to draw up a written fee agreement, you may still have to pay the lawyer a reasonable fee for any work done. In any case, it is always a good idea to have a written record of the agreement. If there is a written agreement, keep a copy for your records; if you have an oral agreement, make a written note of it.
10. What should be in the fee agreement?
The fee agreement should list the services that the lawyer will perform for you, and the type and amount of fees that you will be expected to pay. The agreement should also explain how the costs (the other expenses of your case) will be handled and billed. And if the lawyer is going to add interest or other charges to unpaid amounts, the agreement should make this clear as well.

A fee agreement may also include your obligations as a client — to be truthful, for example, and to cooperate and pay your bills on time.

In forming an agreement with your lawyer, make sure that you understand all of his or her terms. If you are not sure what to ask, you might want to bring a friend or relative along with you when you meet with the lawyer. 

Here are a few key questions:
·        How will the lawyer bill for his or her time? (See #11 and #12 describing lawyer fees.)
·        Who else will be working on the case — associate lawyer, legal assistant, paralegal? How will their work be billed?
·        What can be done to reduce fees and costs?
·        What is the lawyer’s estimate of the total charges?
·        How will costs as opposed to fees be paid? (See #13.)
Keep in mind that an estimate is just that — a calculated guess as to how much the fees and costs will be. The amount could change as circumstances change.

The lawyer may have a pre-printed fee agreement. If you don’t like any part of the agreement, ask the lawyer to make revisions or to draw up a new agreement better suited to your case. 

For more information on fee agreements, along with some sample fee agreement forms, visit the State Bar’s Web site at www.calbar.ca.gov. (Go to Public Services in the left menu, then Addressing a 
fee dispute with an attorney.) If you do not have access to the Internet, call 415-538-2020.
Make sure you understand the agreement before you sign it. If you are not comfortable with any of the terms, don’t sign it. And if you can’t work out your disagreement, you may want to find a new lawyer.
11. How does a lawyer decide what to charge?
lawyers consider various factors when setting their fees. A lawyer who is well-known in a certain area of the law might charge more than someone who is not. If so, you will need to consider whether the lawyer’s special skills and experience will actually lead to a better or faster solution to your problem.

A lawyer also might consider the complexity of the case and the amount of time your matter could take. For example, the hearing or trial in your lawsuit may take just a few hours. But the lawyer may have spent days, weeks or even longer preparing for it — researching the law, finding and interviewing witnesses, and preparing documents and arguments for that hearing or trial.
12. Do all lawyers charge the same kind of fee?
No. There are several types of fee arrangements. And most of them must be put in writing. 

If the fee arrangement is for a contingency fee — which means the attorney will get a percentage of the settlement if you win the case — the agreement must be in writing. And it must include, among other things, the agreed-upon percentage.

With non-contingency arrangements, the fee agreement must include the lawyer’s hourly rate and other standard rates, fees and charges that would apply to your case. It also must explain the general nature of the services that the lawyer will provide for you.

Sometimes it is impossible for a lawyer to know exactly how much time your case will take. You can, however, ask the lawyer to include an estimate of the time and costs in a written fee agreement or letter. But do not forget that many unexpected factors could drive up the cost. For example, your case might involve a cross complaint. This means that the person you are suing is also suing you. A cross complaint could affect the type and amount of the lawyer’s fee.

Apart from any fee you may pay for your first meeting with a lawyer, you probably will be charged either a fixed, hourly, retainer, contingency or statutory fee.

Fixed fee. This type of fee, sometimes called a standard fee, is commonly used in routine legal matters. For example, a lawyer may charge all clients the same amount to draw up a simple will or handle an uncontested divorce. Legal clinics often use this kind of fee arrangement. Before agreeing to a fixed fee, find out what it does and does not include. You also should find out if any other charges might be added to the bill.

Hourly fee. Some lawyers charge by the hour, and the amount can vary from lawyer to lawyer. Ask the lawyer to estimate the amount of time your case will take. Suppose you contact three lawyers, and one charges more per hour than the others. You will need to decide whether this lawyer has the skills or experience that could bring your case to a faster solution. Also, remember that circumstances may change, and your case may take longer to handle than the lawyer initially expected.

Retainer fee. This kind of fee can mean different things to different people; make sure you understand your particular fee agreement.

A retainer fee can be used to guarantee that the lawyer will be available to take a particular case. This could mean that the lawyer would have to turn down other cases in order to remain available. With this kind of retainer fee agreement, the client would be billed additionally for the legal work that is done. If the fee agreement is a true non-refundable retainer agreement, you may not be able to get your money back — even if the lawyer does not handle your case or complete the work.

A retainer fee also can mean that the lawyer is “on call” to handle the client’s legal problems over a period of time. Certain kinds of legal work might be covered by the retainer fee while other legal services would be billed separately to the client.

In addition, a retainer fee sometimes is considered a “down payment” on any legal services that the client will need. This means that the legal fees will be subtracted from the retainer until the retainer is used up. The lawyer would then bill you for any additional time spent on your case or ask you to replace the retainer.

Contingency fee. This kind of fee is often used in accident, personal injury or other types of cases in which someone is being sued for money. It means that you will pay the lawyer a certain percentage of the money you receive if you win the case or settle the matter out of court. If you lose, the lawyer does not receive a fee. Either way, though, you will have to pay the court costs and certain other expenses. And, depending on the circumstances, these charges could be quite high. Ask the lawyer for an estimate of such costs. In some cases, the lawyer may pay some of these costs for you when they are due, using money that you receive from the case.

If you agree to a contingency fee, make sure the written fee agreement spells out the lawyer’s percentage and whether his or her share will be figured before or after other costs are deducted. This can make a big difference. Suppose, for example, you were awarded $20,000 in a personal injury case and your lawyer was entitled to 40 percent. Court costs and other expenses amount to $2,000. If your lawyer’s share is figured after the $2,000 is deducted, the lawyer will receive 40 percent of $18,000 — or $7,200; you will receive $10,800. But, if the lawyer’s share is figured before costs are deducted, the lawyer will get 40 percent of $20,000 — or $8,000; then, after the $2,000 in costs is deducted from the remaining amount, you will get $10,000.

Contingency fee agreements must state, among other things, whether you will be required to pay the lawyer for related matters (matters not specifically covered in the written fee agreement) that might come up as a result of your case. In many cases, the agreement also must note that the attorney’s fee is set by the attorney and the client — not by any legal statute or law.

Statutory fee. The cost of some probate and other legal work is set by statute or law. For certain other legal problems, the court either sets or must approve the fee you will pay.
13. What additional out-of-pocket costs will I have to pay?
The lawyer will charge you for the costs of your case as well as the fees. You will be responsible for paying these costs even if your case is not successful. Costs can add up quickly. It is a good idea to ask the lawyer for a written estimate of what the costs will be. You can tell your lawyer that costs over a certain amount have to be approved by you in advance.

Here are some typical costs:
Certified shorthand reporters’ charges for taking down testimony at depositions and trials and for providing written transcripts of that testimony.
Copying and facsimile (fax) costs. These are usually charged on a per page basis. Lawyers also may charge for secretarial time spent on these tasks and telephone charges.
·        Experts and consultants’ charges. These costs generally relate to any time spent evaluating the case and testifying in court.
·        Filing fees, which are required by courts before they will accept legal papers.
·        Investigators’ bills. Investigators may help gather facts related to the case. They usually charge by the hour and may bill for expenses such as mileage, meals and lodging as well.
·        Jury fees and mileage costs. These are paid to jurors in civil cases in amounts set by law. The party requesting the jury must pay such expenses in advance.
·        Postage, courier and messenger costs for mailing, shipping or personally delivering documents to you or others involved in your case.
·        Service of process fees charged by individuals who locate parties and witnesses and deliver legal papers to them.
·        Staff time for secretarial services, including overtime, word-processing time.
·        Telephone bills for long distance calls.
·        Travel expenses for the lawyer when he or she travels on the client’s behalf. These charges can include gasoline, mileage, parking fees, meals, airfare and lodging.
·        Witness fees and mileage charges. The individuals who testify at depositions and trials receive fees in amounts set by law. You also may need to pay travel expenses if a witness must be brought in from far away.
Your lawyer may charge you for other costs as well. Make sure you understand all of the costs for which you will be responsible. Ask the lawyer if you will have to pay such costs directly or if you will be reimbursing the lawyer for such costs paid on your behalf.
14. When is my lawyer’s bill due?
Unless you have a contingency fee agreement, you probably will be billed monthly.

If you are paying by the hour, you may want the lawyer to get your permission before spending more than a certain amount of time on your case. You also can ask for itemized bills detailing how the lawyer spent time on your case. In addition, you have a right to an itemized bill that lists expenses such as photocopying, telephone calls and travel costs. In fact, a lawyer must provide the bill within 10 days of the date that you request it (unless the lawyer provided a bill within the previous 31 days). And from then on, you are entitled to make similar requests at 30-day intervals after the initial request.
15. What if I can’t pay?
If you cannot afford to pay your lawyer’s bill, try to work out a payment plan or other arrangement with the lawyer. If you cannot reach an agreement on how to handle the problem, the lawyer may be entitled to stop working on your case or even withdraw as your lawyer. You might ask if the work could be temporarily postponed to allow you to lower the bill.

If you think your lawyer’s bill contains an error or an unauthorized charge, contact the lawyer immediately and try to resolve the problem.
16. How can I help build a successful lawyer-client team?
You could make sure that:
·        You and your lawyer have the same goals.
·        You understand and are comfortable with the lawyer’s working style. Get a clear picture of the expected timetable in your case — when you can expect significant developments, and when and how often the lawyer intends to contact you.
·        You provide the lawyer with the information and documents necessary to understand your case.
·        You understand and agree with the lawyer’s billing practices.
·        If you have questions or concerns about your legal matter, you express them to the lawyer and listen to his or her responses.
·        You raise questions about your bill in a timely manner. If appropriate, submit your questions to the lawyer in writing.
These simple tips should help you develop a positive, productive working relationship with your lawyer. However, problems could still arise. And in such instances, help is available. Many local bar associations, for example, have client relations programs that assist clients with non-responsive lawyers.


---- How to Find a good and qualified Lawyer , Attorney Consultation ---

 Consultation :


Locating the right legal professional for your situation can be a difficult task. We can help you identify the appropriate area of law for your problem and we will unite you with up to three state licensed attorney that are conveniently located to you, as well as, state licensed and insured. These professionals will provide a free consultation and guidance. There is no obligation to retain or hire any of the responding attorneys. This service is absolutely free of any charge.

Instructions :
1
Make a list of all the lawyers you would like to try and get a free consultation with. Ask friends, coworkers and relatives for recommendations. You can also look in the phone book or online business directory for lawyers who specialize in your area of need. Write down the lawyers' phone numbers beside their names for future reference.
2
Call the different law offices. Let the secretary know your need, and ask if the firm gives free consultations. If so, make an appointment immediately. If not, ask the secretary to take your number and leave a message for that lawyer. When the lawyer calls you back, let him know your situation and that you understand that he is not giving free consultations at this time. Ask if he plans on having them in the future or will make an exception. If a law firm really wants your business, the attorney will most likely give you a free consultation or a lower price.

3
Ask about qualifications and fee structure -- whether it's based on the service, such as a will, hourly or on a contingency basis.
4
Search the internet for free legal advice offers. Beware of sites offering free legal advice online; they may not be reputable. Stick to government and well known websites when looking for a type of professional opinion or advice. You should look for legal aid and access to justice programs offering free consultations with a lawyer and well known charitable organizations offering to find you a free lawyer.
5
Search the internet for free legal advice offers. Beware of sites offering free legal advice online; they may not be reputable. Stick to government and well known websites when looking for a type of professional opinion or advice. You should look for legal aid and access to justice programs offering free consultations with a lawyer and well known charitable organizations offering to find you a free lawyer.

Get Prepared for Your 30-Minute Attorney , Lawyer Consultation :

Follow these steps to get ready for your free 30-minute consultation with your lawyer.
The more prepared you are, the less time it will take for the lawyer to understand and help you resolve your legal issue. This could result in savings to you.
·   Bring all documents. Make copies of all the documents you have collected regarding your case. Give these copies to the lawyer.
·        Get organized and take notes! Write down notes outlining your legal problem, or any questions you may have. The lawyer you are referred to must have your details in order to decide what is important and how to move forward in your best interests.
·        Dress for success. Even though you may be very emotional about your case, dress as if you are going to a business meeting or applying for a job. You will feel in control, which is important.
·        Be honest. It is very important that you give an honest account of your legal problem. This includes issues that may be sensitive to you or your family. Remember that the conversation your have with your lawyer is private, and cannot be discussed with others without your permission.
·        Talk about how much this will cost you. Your lawyer will be ready to discuss fees during your first meeting. You should be ready to do the same. It is perfectly okay to discuss payment plans with your lawyer. Get your agreement in writing and keep a copy for your file.
If you and your lawyer determine that your legal expenses will be more than $1,000.00 (one thousand dollars), then the attorney must provide you with a written fee agreement.
·        Ask your lawyer questions. In order for your lawyer to serve you better, you must understand your case and the legal process. But remember, you are paying for your lawyer’s time. It is more cost effective to ask several questions at once. If you call your lawyer every single time you have a question, you may be charged for each call.
·        Read all documents carefully before signing. Before you sign a document, ask your lawyer to fully explain to you what exactly it is that you are signing. If you do not understand what the document is about that you are being asked to sign, ask your lawyer to explain it to you again.
·        Keep your own files. Don’t hesitate to ask for copies of all letters and documents prepared on your case. You should also keep the written fee agreement between you and your lawyer for your records.
·        Listen to your lawyer. Listen to your lawyer and think about what your lawyer asks you to do. The lawyer’s judgments are based on legal training and experience. Remember that lawyers cannot work magic. No lawyer wins every case, and sometimes the best legal advice may not be what you want to hear. Your lawyer will provide advice that has your best interests in mind.


Attorney Skills
·        Some of us lawyers want to leave the law: We are unhappy and dissatisfied with our work situation. We suffer long hours. We find our day-to-day lawyer tasks mostly uninteresting. We are demotivated because we are not included in the partner track discussions. We feel we receive little-to-no mentoring. We are weighed down by high student loans.
·        And maybe most important, we feel that our professional skill set is not really in alignment with the duties and responsibilities required to be a lawyer. We are not fully confident that we can be a real good lawyer. It’s turning out that what we are good at doing and what we enjoy doing isn’t what an attorney does. We’re pretty sure that this lawyer gig is really not for us.
·        But we don’t leave the law because we have sincere doubts that any of our legal job skills are transferrable to any non-legal jobs. We find it unrealistic that someone outside of a law firm would even consider hiring a lawyer like us. We don’t believe that we have any marketable skills that a non-legal business would want.
·        But we do. We lawyers who want to leave the law possess a skill set and an array of talents that are actually in high demand by many businesses. Let’s see how.
·        Client Management: In a business, any business, whether it sells a product or provides a service, there are people it sells to or works closely with that need to be managed and attended to (call them customers or clients or partners or stakeholders or shareholders or advisors or any number of other descriptive terms). These real, live, human customers need to be understood, coddled, directed, serviced, upsold, excited and reigned in.
·        Working with clients is something we lawyers do day-in and day-out. A lawyer’s ability to listen, issue spot and relate with these real, live, human people is a skill that not everyone has. This skill is essential to a company’s relationship building, reputation growth, client retention and customer support.
·        Upselling: If a business provides value to its customers, the customers will naturally come back for more. But oftentimes, businesses need to proactively suggest and highlight potential products and services and future projects to their captive customer base. This of course helps the business grow its revenue, and also provides a valuable service to a customer by (sincerely) suggesting other products and services to which the customer can avail him or herself.
·        Whether we realize it or not, we attorneys are always upselling. Attorneys with close client contact will often suggest other courses of action, other defenses to approach, other research and analysis angles, other agreements to put in place, other services to consider, other advisors to contact. Upselling new ideas is instinctual for us … and can be an extremely valuable skill set for every business and appreciated by its customers.
·        Issue Spotting: Believe it or not, the “I” in IRAC could be our ticket to a new gig. In business, there are always issues, messes, projects, and things to figure out. Something always goes wrong, and a solution to fix it needs to be hatched. Or something goes phenomenally right and this new opportunity presents a multitude of new options. As such, decisions need to be made, strategies need to be devised, communications need to be delivered, next steps need to be agreed upon, and teams need to be created to execute.
·        This is what we do daily. Who better than an attorney to jump up to that white board in the conference room, assess the mess of options and gradually moderate all of the executives to spot the issues that affect the business most, objectively prioritize actions, and then calmly delegate to the most responsible employees? We don’t need to necessarily make the final call; we just need to create the environment for the executive team to calmly make informed, thorough, and educated decisions on what to do next. We issue spot for a living for our clients … we can do the same for businesses out there.
·        Clear and Concise Prose: Attorneys write. A lot. And we write well. We write clearly, precisely and in a thoughtful, informative manner.
·        And so much of business nowadays is also about writing: People from all types of companies write stuff … emails, PowerPoints, proposals, reviews, reports, bios, pitch books, social media content, marketing content.
·        And it’s a sad fact, but across many businesses, so much of this content is not written well: It’s unclear, not spaced correctly, un-relatable, grammatically incorrect or just plain indecipherable. People go back and forth trying to understand each other or send multiple versions trying to come to a final result. Time is wasted, important issues are misunderstood, frustration grows, productivity is reduced.
·        Our writing style can help. We can craft explanatory emails. We can draw up informative presentations. We can put together persuasive pitches. And we can do all of this in less time and with less confusion than many non-lawyers can. We’ve already been trained to write understandable, persuasive content for discerning readers (judges, opposing counsel, clients). In the current Information and Content Age, this is a skill any business would love to get its hands on.
·        Interpersonal Skills: Even with telecommuting, virtual offices and the internet, business is won and lost and grows and retracts based on personal relationships. People do business with whom they trust, with whom they find commonality and with whom they like. And these relationships are built on clear communication, exchanges of ideas and getting to know each other.
·        While not all lawyers would rank interpersonal skills as their top strength, many do. We rain make new business, we build relationships with opposing counsel, we get to know judges and staff, we become trusted advisors to companies and organizations. All of these relationship skills are also in heavy demand by businesses, who need interactive people to build strong personal relationships and lead important strategic initiatives.
·        Dependable, Disciplined and Loyal: In addition to people they can trust and like, business owners need workers they can depend on. Things need to get done, fires need to be put out, projects need to be kickstarted. The person that just gets stuff done on time, even if it’s not perfect, is of immense value.
·        We lawyers are solid people. We can be counted on. We meet deadlines. We are used to keeping confidentiality, professional ethics, and fiduciary duties. In short, we have been regulated our whole lives and while this may wear on us or the responsibility may even cause us anxiety as practicing lawyers, it has distilled in us a distinct sense of responsibility and duty that is indispensible for businesses looking for solid people to hire.
·        Working Long Hours: People in business put in a lot of hard work. Nowadays, with the 24/7 cycle, it seems like everyone is always working.
·        And we of course work hard too. Attorneys work into the evenings throughout the work week. We come into the office around noon on Sundays. We work around the clock when the deal or the trial requires it. Going the extra mile (and miles after that) is expected in our day-to-day as a lawyer.
·        Of course, these long hours are a major driver for many wanting to leave the law. But in the non-legal business world, where people work hard but where “normal lawyer” hours are definitely not the norm, we will by default often be the hardest worker in the room. This means that we can achieve some of the reduced hour lifestyle we so desperately want, while also contributing mightily to our company and its mission.
·        So keep this in mind – what we lawyers do day to day is not solely reserved for the practice of the law. There is a wide world out there of other, non-legal roles that may be a fit with our skill set and strengths.