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Jones Act Cases

Jones Act Cases & Maritime Law

Maritime Law & AMP; Jones Act Pre-Settlement Loans

While you are out working at sea, you typically do not think about sustaining life-changing injuries. Even if you do, you would hope and assume that your employer would do their due diligence to make sure that you are compensated.

Unfortunately, that is not always the case. Under Jones Act, you must prove that your employer’s negligence before they will pay for your injuries.

If you sustained injuries while out at sea and you are awaiting the outcome of your Jones Act/Maritime lawsuit, you may be entitled to a cash advance while your attorney continues working on your case. If you are looking for more information on Maritime Law and loans you can take out while you await the results of your lawsuit, continue reading on below. We will go over your settlement loan options and who you can contact for Jones Act pre-settlement loans.

What Is Maritime Law?

Maritime law is a private law of shipping and navigation. This law has a set of rules that govern contract, tort, or workers’ comp claims that arise from injuries over or on navigable water.

The injuries can occur either at sea or on inland waters. Under this law, both passengers and crew members have the opportunity to seek compensation for their injuries.

Compensation Under Maritime Law

Crew members and passengers have the opportunity to claim any lost wages and medical expenses. They also can claim any emotional damages or pain and suffering from the incident. All other living expenses are also eligible for compensation.

What Is the Jones Act?

The Jones Act is part of the Merchant Marine Act of 1920, allowing injured parties to file a lawsuit for their injuries sustained at sea. These parties can bring a lawsuit against their employer due to any unsafe conditions or negligence that cause the injuries. The Jones Act differs from an ordinary workers’ compensation claim.

Regular compensation claims do not require the injured to prove that the employer was at fault for their injuries. Under the Jones Act, the injured must prove that the employer acted negligently, leading to their injury.

Jones Act Comparative Fault

Under the Jones Act, there is a process that follows “comparative fault.” Comparative fault is when the employer proves that the injured employee was found partially at fault for their injury. If the employer can establish liability successfully, the final fault percentage will reduce the total settlement amount.

For example, let’s say that the employee was initially awarded a $200,000 settlement, but the employer proved that the employee was 10% at fault for their incident. The court will then reduce the overall settlement amount to $180,000.

What Makes an Employer Negligent?

Working offshore is one of the most dangerous jobs available, and that is why the Jones Act was created. The initial intention behind this act was the give injured seamen the ability to sue their employer.

For an employer to be considered negligent in this case, the employee must prove that the negligence is associated with the vessel’s work mission. If an employer owed a duty of care, failed to uphold that duty, and the failure caused the injuries to the employee, an employer is then considered negligent.

Jones Act Pre-settlement Loans

Jones Act pre-settlement loans are fantastic because, in most cases, the Jones Act settlement takes a long time to be awarded. Naturally, an employer will try to find fault in your injury to lower their liability for the case. As we now know, the lower the liability, the lower that the employer has to pay for the victim’s injuries.

Although this is a standard process, the injured are usually missing out more than the employer. An injured worker is out of work for some time while this legal battle ensues, leaving them without a way to pay their bills.

Unfortunately, this prolonged lawsuit battle is a tactic used to force you into accepting a settlement offer less than what you deserve. Settlement loans help you cover your rent, mortgage, car payments, groceries, and other essential living expenses. Most companies can get the lawsuit funding in your hands within 24 hours after approval.

This lawsuit funding option only requires repayment if you win your case. If you do not win your case, you do not need to worry about repaying the cash advance you received from us.

Settlement Loan Process

The Jones Act pre-settlement loans process is relatively simple to complete. You have the option to apply online on our website, or you can call us at 800-251-6606. Once we have received your application, someone from our underwriting team will reach out to you to confirm some information.

Our underwriters will need information on how your accident happened and who your attorney is. We will need certain documents from your attorney to complete our process, which we will request on your behalf. Once we have all the applicable information, we will then be able to let you know how much we can offer you.

Who Can Receive This Loan

We have the capability to fund seamen who received injuries while on a ship, yacht, tug boat, container ships, oil rigs, and more. We also can fund those injured while working along or on inland rivers and other types of waterways. If you were a passenger on these types of vessels, you are also entitled to compensation for your injuries.

Who Qualifies as a Seaman?

Under the Jones Act law, a seaman is an employee who spends at least 30% of their time in service of the ship on navigable waters. Additionally, a seaman’s employment duties must contribute to the vessel’s functionality or the accomplishment of the ship’s mission.

Employees who qualify as seamen:

  • Carpenters
  • Engineer
  • Captain
  • Cooks
  • Cabin boys
  • Housekeeping
  • Fishermen
  • Maritime electricians

Day workers who work on the vessels during the day and go home at night are also considered seamen. This act does not require a seaman to aid in the boat’s navigation, and the ship does not need to be in motion during the time of the accident.

Do I Need a Lawyer?

Going up against your employer and their legal team is no easy feat to do on your own. If your employer knows that you are trying to handle this situation on your own, they will utilize that information to their advantage.

As mentioned above, in the case of Jones Act lawsuit cases, you will have to prove that your employer’s negligence caused your injuries. Your employer will do everything they can to demonstrate that you were negligent, so they don’t have to pay for your damages.

When you partner with a reputable attorney, they will take care of negotiating your settlement amount on your behalf. Your attorney knows how to navigate the legal issues best, providing you with the peace of mind you need while healing from your injuries. You also need a lawyer before you can apply for a settlement loan.

There are vital pieces of information that we need to review before we can extend the loan. Not only do we need that information to know how much cash we can advance you, but we also find that you should keep your attorney in the loop, so they know that you are looking to obtain an advance on your lawsuit.

Another added benefit of having legal counsel on your side is that they serve as your advisor. You do not need their permission to apply for settlement loans, but they are good to have on your side to explain how your lawsuit is going and what to expect during this legal battle.

Other Settlement Loan Benefits

Besides having cash on hand to take care of your living expenses, settlement loans help prevent you from accepting a lowball offer from your employer. These loans also allow your lawyer to litigate your case without sacrificing quality. While your lawyer handles litigation, there is also the chance that they could receive a higher settlement amount than you were expecting.

Obtain Your Settlement Loan Today

We understand that Jones Act claims can take a long time to settle, placing a financial strain on you. Jones act pre-settlement loans are fantastic alternatives while your attorney litigates your case on your behalf. We at Lawsuit Cash Today make it easy to apply for your settlement loan, and we can get that money to you within 24 to 48 hours.

If you are ready to start the process, submit a quote today, and our team will get back to you as soon as possible. There is no obligation to accept the loan after you receive your quote. For any questions or concerns, make sure to reach out to our team.

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Law Firm Loans

A Guide To Law Firm Funding Or Attorney Loans

Did you know that, according to IBIS World, there are over 400,000 law firm businesses in the US? This number is

Attorney Funding

Attorney Funding Made Ease & Affordable

up 0.6% from 2020, and the annualized business growth of law firms in the US was 0.4% between 2016 and 2021.

If you run one of these many law firms, you might have found recently that you aren’t in the best financial situation. This is stressful, especially considering the current challenges that many law firms are currently facing.

Fortunately, law firm funding loans can help you regain your financial standing. But how do they work?

In this guide, we’ll cover everything you need to know about law firm funding. Finally, you can get the money you need and you can run your law firm successfully without having to worry about money. Read on to learn more.

What Is Legal Funding?

Legal funding is a solution that was created by experts in the law so that the contingency fees of plaintiffs and attorneys could be taken care of more easily. This solution eases the cash flow problems that many law firms finding themselves facing (like paying for expert witnesses) when operating normally.

Basically, plaintiffs and attorneys receive the funding they need with the expectation that they’ll be able to pay back the loan once they get future receivables.

Until plaintiffs receive the money, they don’t have the capital they need just yet and are in a situation that is emotionally or physically traumatizing (or both).

Until Law Firms or attorneys receive the money, they don’t have the capital they need to push their business forward but will be able to pay off the loan once they have won or settled some of their cases

Other names for law firm funding include “legal funding,” “settlement loans,” “lawsuit loans,” “lawsuit lending,” and “litigation lending”

How Do Law Firm Loans Work?

If you decide to apply for a loan, the legal funding company, which is a third-party company, will provide you with money with the hope that you’ll win the case. You would have an expected amount you’d get when you win the case.

After you win, you would pay back the loan with a certain percentage of your winnings—usually around 30% or 40%.

However, if the case or cases all fail, the third-party company doesn’t receive money back from the law firm. They lose the money that they invested in the business – This is referred to as a Non Recourse Loan.

The Difference Between Law Firm Funding and Loans

Something important to note is that law firm loans are different from loans. When you get a loan, you have to pay upfront fees, and you also have to deal with points and monthly funding. This is very different from a law firm loan.

There are typically some fees when you get a law firm loan, usually to cover underwriting costs. However, even with these fees, you aren’t expected to pay them back until cases are won or settled...

Why Law Firm Loans Make Sense

Even though lines of credit and bank loans are less expensive and more common as funding options, going to a bank for a loan might not actually be the best choice for the owner of a law firm. This is for several reasons.

First of all, when you’re applying for a LOC or loan, the lender will require you to present your non-liquid assets. For example, real estate, stocks, or bonds.

These assets as used as collateral, which means that they demonstrate that the person or business that has taken out the loan can pay the loan back.

Many law firm owners might not necessarily have this type of collateral. Chances are, they’ve spent much of their money investing in future cases or paying for their law office rent.

Another problem that comes up when applying for a traditional loan is the need for a high credit score to be accepted for the loan (or to have a reasonable interest rate).

As a law firm owner, your credit score might not be high because of work-related expenditures.

Additionally, paying the monthly payments may not just be possible for you, as you need to have a successful case to make the money for paying back the loan.

You may not have this money yet, even though you know you will in the future. For this reason, the best loans for you can be la aw firm loan.

The Steps in Getting A Law Firm Loan

If you’re considering getting a law firm loan, there are several steps you take. First, you’ll get in touch with the third-party lender about the amount of money you need to be lent. When this happens, they’ll purchase a percentage of your future legal winnings.

In terms of collateral, the third-party company will accept your law firm’s case inventories.

This is evidence that you’ve been successful enough in the past that you’re likely to win your case—which means you’ll theoretically be able to pay back the loan.

It’s important to note that they won’t do a credit history check.

You also won’t be personally responsible for the loan. When it’s paid back, the money will be taken directly from the obligor, administrative, or attorney escrow accounts.

The Role of Underwriters

When you get a law firm loan, there are underwriters on the team at the third-party company who will review your application, determine your eligibility, and customize the funding package you finally agree to with the third-party lender.

To do this, they first study the cases with which you’re planning to pay back the funding.

By taking a look at past, similar cases your law firm has handled before, they’ll get a good idea if you’re likely to win this case. Additionally, they’ll look at the details of the case itself to make this evaluation.

They’ll also determine how much funding they can give you when they would need the money back by, and the discount rate.

Once You’ve Been Approved

If the underwriters approve your law firm loan, they’ll purchase a portion of your future receivables. This will come from the obligor account. Once this happens, you’ll usually only have to wait 48 hours or less to get the money you need.

The third-party company never purchases what you expect to be the entire legal fee or settlement amount. This is to minimize risk on their end and to make sure that you’ll have some access to future funds.

Usually, the percentage amount they’ll purchase is between 10% and 50%.

Types of Legal Funding

There are several types of legal funding you can receive. These include pre-settlement funding, post-settlement funding, voucher funding, and line of credit. We’ll review each of these in detail now so you can decide which is best for you.

With pre-settlement funding, the settlement amount hasn’t been determined yet. You’ll pay a higher interest rate for the funding because it’s a higher risk for the legal funding company.

You can use this type of funding to pay for current expenses and the day-to-day running of your law firm.

With post-settlement funding, the settlement amount has already been reached. For this reason, the interest won’t be as high.

If you have public defenders in your law firm, then you can also be eligible for voucher funding. Because many public defenders have to wait a long time to receive their state-provided pay, this can be a helpful solution to them.

Voucher funding works a lot like post-settlement funding, with the legal funding lender purchasing part of the fee the public defender expects to receive.

Finally, there’s the line of credit option. However, these work slightly differently, as they aren’t advances. Instead, they work more like the lines of credit you’d get through a bank.

If you want to advance your practice, this is a great option, as you can access the capital you need as your law firm grows.

Need More Information?

Now that you’ve learned everything you need to know about law firm loans, you might need more information. Maybe you want to learn more about a specific type of legal funding loan. Or maybe you want to find a law firm provider near you.

Whatever information you need, we can help. At Lawsuit Loans 911, we’re experts when it comes to law firm loans. We also provide law firm loans and get them to you fast.

To learn more about how we can help you, Click here for detailed information Law Firm Or Attorney Funding Options.

Also Some related Information –   10 Things to KNOW TO GET A LAW FIRM LOAN   How to Get LOANS for Attorneys and LAW FIRMS   What is SIMPLE vs. COMPOUND INTEREST    WHISTLEBLOWER / False Claims Act LOANS  LOWEST RATE PRE SETTLEMENT LOANS- In 5 Steps

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The Boy Scouts of America (BSA) currently has 2.2 million youth members between the ages of 5 to 21 years of age. They also have approximately 800,000 volunteers. This organization that promotes moral integrity among men is now facing numerous lawsuits for sexual abuse. Thus the need for Boy Scouts of America Lawsuit Loans.




With more than 130 million youth and 35 million adult volunteers since its inception, the sex abuse claims raise serious concerns. There are 1,247 BSA files regarding claims of sexual molestation or sexual abuse between 1965 to 1984.


Boy Scouts of America lawsuits are in litigation throughout the United States. You may be wondering how abuse can happen for such a long period without discovery and what the lawsuits claim. Read on for answers to all your questions about the Boy Scouts of America lawsuits.


Perversion Files


The discovery of the Boy Scouts of America keeping a confidential “perversion file” for almost a century is an eye-opener.
The file is a record of men they cast out due to claims of abuse.


The file’s purpose is to prevent those men from returning to the organization. The confidential nature of the files allegedly protects victims, witnesses, and abusers.


The Los Angeles Times review of allegations found 1,200 files with more than 125 instances of men continuing to molest Scouts following the BSA receiving claims of abuse. By using false identities and hopping from troop to troop across the country the predators were able to remain active within the organization. Other contributing factors to this include clerical errors, computer glitches, and the BSA not checking the blacklist when admitting volunteers.


The coverup is extensive, including offenders being able to continue working with boys on a “probation” basis in some cases. In other instances, the officials did not file reports regarding abuse allegations and no complaints were put on file with the police.


A statement made by the BSA states that since 1919 they have maintained a listing of “ineligible volunteers” for the purpose of tracking men who do not meet the moral standards of BSA or against whom sexual abuse allegations are made. Those 15 locked cabinets of “perversion files” are at the BSA headquarters in Irving, Texas. The files are evidence in many lawsuits, with the admission generally made under seal.


The 1,247 “perversion files” from 1965 to 1984 became evidence in a 2010 lawsuit. Their contents became available as a result of the Oregon Supreme Court ordering their release.


According to the New York Times, the files show 8,000 volunteers being cast out of the organization for sexual abuse allegations. Those files underwent a 5-year review by Janet Warren, a professor at the University of Virginia. Her findings show that during the 72 years between 1944 to 2016 the BSA knew of 7,819 perpetrators and 12,254 victims of sexual abuse within the organization.


Right to File a Boy Scouts of America Lawsuit


The Boy Scouts of America’s filing Chapter 11 bankruptcy in February 2020 is an attempt to survive the onslaught of lawsuits they are facing in court.


The amount of money victims receive from BSA lawsuits will be dependent upon the value of assets the organization has and the number of victims that file. If you are a victim and wish to participate in a Boy Scouts class action lawsuit you need to contact an attorney quickly. Many states are extending the Statute of Limitations for filing a Boy Scouts sex abuse lawsuit.


The problem with the expiration of the statute of limitations came about when many adults ready to come forward found out they were too late. As a result, several states have “lookback” windows that allow Boy Scout lawsuit filing for an extended period of time.


A two-year lookback window is in place in Washington D.C. and New Jersey. California’s three-year lookback began in January 2020. Additional states with lookback windows include Arizona, Montana, North Carolina, and Hawaii. There is no statute of limitations for childhood sexual abuse cases in Vermont.


If you were subject to any of the following you may be able to file your own BSA lawsuit or participate in a Boys Scouts sex abuse lawsuit:


  • Inappropriate touching
  • Viewing of pornography
  • Made to participate in sexual acts with an adult while under their care
  • Made to watch sexual acts with an adult while under their care


In addition to victim abuse claims, BSA is facing potential lawsuits for failing to prevent child abuse.


You need to contact an attorney about the possibility of filing a Boy Scouts lawsuit if any of the above applies to you. If you have an active lawsuit against BSA contact you may want to contact Law Cash 911 about the possibility of receiving a settlement cash advance, which will put money in your hands while litigation is pending.


Landmark Lawsuit




A 2010 landmark lawsuit award of $19.9 million in damages, the largest award ever made for a single victim against BSA, is the case that set forth the action of releasing more than 20,000 confidential “perversion files.”


Those files contain the names of more than 1,000 volunteers against whom claims of abuse were made. BSA was tracking the names within their organization, but no reports were made to police, and no notifications were made to parents.


Ongoing Legal Action


The BSA said in their bankruptcy filing in 2020 that they are facing 275 abuse lawsuits in both federal and state courts. In addition to those cases, BSA made note of an additional 1,400 potential claims.


The intent of the bankruptcy filing is to create a Victims Compensation Trust. The purpose of the trust is to provide compensation to victims of abuse. Between 2017 to 2019 BSA paid $150 million in settlements and legal fees.


Local Boy Scout Councils are not filing bankruptcy because they are legally separate from the main BSA group and continue to operate. There may be controversy over the property belonging to those 266 regional councils and local troops. The property may or may not have protection from use to pay lawsuit settlements.


With the BSA’s effort to provide victims of sexual abuse with their just compensation, you may be able to obtain a lawsuit loan on your pending case. These loans put money in your hands now in anticipation of a future settlement.


800 Victims File Lawsuit


In August 2019 a Boy Scout sex abuse lawsuit claims hundreds of former scouts are reporting sexual abuse over an 80 year period. They come from almost every state in the country.


The lawsuit claims at least 350 of the abusers are not in the BSA disciplinary files. Ommissions are because of inadequate vetting of volunteers and ongoing cover-ups within the organization.


The abusers include police officers, military members, teachers, a mayor, doctors, and a child psychologist. Their positions in society provide easy access to victims.


When filing a claim against BSA you may need funding to provide treatment for the emotional impact of abuse. Law Cash 911 offers pre-settlement loans against lawsuits that are pending. They have knowledge of funding loans against cases pertaining to the sexual abuse of youth.


Lawsuit Regarding Statute of Limitations


According to Boy Scout files, more than 12,000 boys have suffered molestation by 7,800 abusers since the 1920s. A federal lawsuit filed in January 2020’s purpose is to establish the nation’s capital as the proper venue for BSA sexual



abuse claims.


There are eight plaintiffs in this lawsuit whose identities are confidential. All plaintiffs reside in states where the statute of limitations is preventing them from filing a lawsuit against the BSA. These victims suffered abuse decades ago as children.


The reasoning behind the request is that Washington D.C. is the place of incorporation for the BSA in 1910.  The lawsuit claims that the BSA submits annual reports to Congress regarding the organization’s activities. During the 103 years of filing those reports, the BSA never reported that they were attracting thousands of pedophiles.


One of the main reasons for the filing is to establish a venue for a national lawsuit against the BSA. This is important because of the inconsistent statute of limitations among the various states.


The BSA is a national organization. The state in which a person was subject to abuse should not be the determining factor in their ability to obtain justice.


Sexual Abuse Filing Deadlines Approaching


If you are the victim of sexual abuse in the Boys Scouts of America the time frame for filing a claim is approaching. The federal bankruptcy proceedings set a November 16, 2020 deadline for victims to file their claim.


The deadlines can be confusing due to different deadlines set by states and the bankruptcy case. Some deadlines have extensions, including New York where due to COVID-19 you now have until August 2021 to file. Other states end on November 16, 2020, including Arizona, North Carolina, and Vermont.


If you miss the deadline to file against the national organization, you may still be able to file against your local council. It is advisable you contact an attorney to determine your ability to file a claim.


Affect on Boy Scouts of America


In addition to numerous lawsuits and filing for bankruptcy, the BSA is facing blows to its membership. The largest sponsor of the organization for decades, The Church of Jesus Christ of Latter-day Saints. That group is pulling 400,000 of its members out of the BSA.


This significant loss of memberships means for the first time since WWII, the BSA membership will be below 2 million members.


Request Your Compensation Now


If you have a Boy Scouts of America lawsuit, you may be able to receive a no-risk pre-settlement loan. If your



lawsuit meets the qualifications for pre-settlement funding you may be able to receive your money in 24-hours. If you do not win your lawsuit you owe LawSuit Cash 911 nothing.


Contact us today if you have an active BSA lawsuit or are planning to file. We look forward to providing you with information about receiving a no-risk pre-settlement loan.

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Get A Workers Compensation Loan

There are around 2.8 million nonfatal workplace injuries each year. If you’ve suffered one of these and you’re worried



about your financial situation, you should know that you’ll be entitled to workers’ compensation. This should cover a large portion of your lost wages and medical expenses.

 However, if your settlement is challenged through litigation, you might find yourself short of money in the short term. Settlement loans for workers’ comp can be very useful in this situation.

 Read on to learn more about this type of loan and whether you should take one out.

 What Is Workers’ Compensation?

 If you suffer an injury or fall ill at work, you may be entitled to receive workers’ compensation. This scheme will cover a certain amount of any wages you lose out on while you’re out of work, as well as expenses related to your medical treatment.

 The precise laws on workers’ compensation vary from one state to the next. However, where you suffer an injury as a direct consequence of your workplace activities, your employer should have to provide it.

 There is a wide variety of injuries that qualify for workers’ compensation. The most common complaints that see claimants get relief are musculoskeletal issues, such as broken bones or damaged ligaments and tendons.

 It is possible to secure compensation for psychological issues in some cases. However, because causation is more difficult to prove in the case of a condition like anxiety or PTSD, payouts are less common.

 Settlement Loans for Workers’ Comp

 Even clear-cut workers’ compensation cases can end up in court. While you might be certain of the outcome from the very start, it can take a long time to convince a court of the real facts of a case.

 Unfortunately, during this period you won’t have access to any of your compensation money. This means that you’ll be left to fend for yourself financially, potentially with no income whatsoever.

 Not only that, but you will also not have access to workers’ compensation doctors for your medical care. This means that you may have to pay for treatment out of your own pocket, especially if you have an urgent condition like chronic pain.

 This isn’t a situation you will be able to sustain for long, especially if you have a family to support. Luckily, workers’ comp settlement loans exist to address precisely this need.

 How Does the Loan Work?

 Once you receive notice that your claim is in dispute, you are entitled to apply for one of our settlement loans.



 The rules on how and when you can apply for this type of loan vary from state to state. In some jurisdictions, you’ll have to hire a lawyer before you can submit an application.

 If you’re struggling to put money together to mount an effective case, we also offer lawsuit funding loans.

States in Which Workers’ Comp Settlement Loans Are Available

 Workers’ compensation disputes are common in every state. Unfortunately, not every state permits workers’ compensation settlement loans.

 We provide a list of states in which our services are available on this page.

 Why Might a Workers’ Comp Case End Up in Court?

 You might think that securing a workers’ compensation payout would be a simple process. After all, most companies in



most states are legally required to have workers’ compensation insurance, and even many of those companies that aren’t affected by this rule choose to take out insurance anyway.

 However, it’s not always as easy as collecting your check from the insurance company. Workers’ compensation disputes are unfortunately very common.

 The objection may come from the employer or from the insurance company.

 Employers’ insurance premiums will climb considerably after a claim. This is because insurance companies assess premiums on the basis of risk and because one claim indicates a higher likelihood of another happening in the future. Therefore, many choose to contest workers’ comp claims.

 Insurance companies also choose to do this in some cases. Their business model relies on the payment of as few claims as possible, which means that they’ll do whatever they can to disprove claims in a lot of situations.

 What Will They Dispute?

 Generally, the easiest way for an employer or insurer to challenge your workers’ compensation claim is to raise a question about causation. What this means is that they’ll attempt to prove that your injuries did not arise due to workplace activities.

 This is impossible in many cases, such as where a worker falls from a height and suffers a broken bone. However, not every injury or illness has as obvious a cause as this.

 For instance, consider repetitive strain injuries. These are conditions that arise due to a continued pattern of exertion over a long period, such as lifting or carrying.

 If you suffer such an injury, and you perform lifting or carrying movements outside of work (such as in the gym) your opposition may try to use this to disprove your case.

 Getting the Help You Need at a Difficult Time

 Workplace injuries are hugely difficult for anyone. The physical trauma of suffering an accident coupled with the financial difficulties that might accompany it are enough to overbear on anyone’s resolve.

 However, if your workers’ comp case ends up in court, you should know that there are ways to keep yourself afloat financially until you get your money. Settlement loans for workers’ comp give you an invaluable option when times are tough.

 If you’d like to learn more about this financing option, contact us today to find out if your issue qualifies for a loan.





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For the academic year 2019 to 2020, the average annual cost of private law school was a staggering $49,548. That’s the bare midpoint cost per year, and law school takes at least three or four years to complete. That means law students pay a minimum of $150,000 to $200,000 to get their education.Most studends have to at least consider How to Get a Law Firm Loan

These education expenses don’t end with law school, though, as there’s higher ed to think about too. Many



graduates have to take law specialization courses as well.

So, it’s no wonder that law firm loans have become the norm for startup practitioners. Without legal funding, it would be close to impossible to launch a new legal practice.

Ready to begin your legal funding application? Then be sure to read this guide first!


1. A LAW FIRM LOAN Loan Can Help Your Startup Succeed

If you’re thinking of starting your own law firm, a business loan can help you succeed. A study found that loan-backed businesses had twice the revenue. That’s in comparison with companies without any form of credit at all.


2. Traditional Lenders Want to Know What You Need the Loan For

Do you need the funds to cover monthly office expenses, such as rent, utilities, and research? Perhaps you need funding for filing fees, insurance, payroll, or other operating costs. You may even need TO GET A LAW FIRM LOAN  to cover the advances and deposit for the actual office itself.

It’s crucial to make a list of all these expenses as traditional lenders will ask you what you need the loan for. For instance, many banks will want to know if the money you’ll borrow will go toward rent or equipment costs. The Small Business Administration (SBA) has even more stringent requirements.

If you don’t want to go through all these, non-recourse solo attorney case loans are your better option. These come with more relaxed lending standards, and you can use the funds for whatever you need. You can even use the cash to cover your law firm’s advertising and marketing expenses.



3. Most Lenders Would Review Your Credit Score

In the US, almost one in five young people (18 to 22 years old) don’t have a credit report. Those who do (such as those who already use credit cards) have an average credit score of 672. By Experian standards, that’s below what classifies as a “good score.”

If the same goes for you, you’re likely to have a hard time qualifying for a bank-issued business loan. Credit scores, after all, are one of the most crucial factors to be eligible for traditional loans. If you don’t have a credit score of at least 700, most business lenders will say no to your application.

This isn’t the case with law firm financing programs from legal funding lenders. They’re not like usual business loans, as they don’t require an in-depth look at your credit history. Instead, they will base your qualification on the merits of your pending cases.

4. Business Bank Lenders Also Look at Cash Flow

When reviewing applications for small law firm loans, most lenders look at cash flow too. This is a measurement of the amount of expendable cash that a borrower has. It has to be dispensable, as traditional lending firms will consider this as a way to pay back what you owe them.

These lenders often don’t grant business loans for law firms if the borrower has too little cash on hand. Unfortunately, most lawyers who want to start their own firm fit this bill. For many, a lack of cash flow is the reason they need to take out a loan in the first place.

Non-recourse legal funding for attorneys and law firms won’t require this from you. They understand that many attorneys are still paying back their law school loans. After all, as many as six in 10 student debt borrowers say they’ll be in their 40s by the time they pay off all their debts.

Instead, legal funding firms will only have to verify the success potential of your cases. If the lender sees that your claim has a strong possibility of winning, you’re likely to get the funds you need.

5. How You Get Paid Matters to Most Lenders – but not so for law firm loans

Many lenders may also be unwilling to extend credit to contingency-fee lawyers. In such cases, litigators who act for plaintiffs often don’t get paid for weeks and even months. At the very least, personal injury settlement checks can take up to six weeks to release.

Some cases, such as wrongful incarceration, can even take several years to settle.

It’s because of this payment structure that most lenders shy away from such attorneys. There are too many variables in contingency fee-based cases, all of which are too risky for banks.

As such, if your firm focuses on personal injury, consider cash funding on litigation. Lenders that specialize in legal funding make decisions based on the laws itself. It won’t matter if your cases will take months to settle; what matters if it has a high likelihood of




6. How Soon Do You Need the Funds?

The current health situation has led to numerous delays in the justice system. Many courts, including the Supreme Court, even went on a temporary closure. For guilty defendants, this is great news, but terrible for attorneys and plaintiffs.

If the backbone of the justice system itself had to close, then you can expect lenders to have been the first to do that. They continue to operate, yes, but they do so with a skeletal workforce. As a result, it can take even much longer to process business loan applications.

The thing is, most lawyers and plaintiffs cannot afford to wait for an uncertain period of time. Mortgages, rent, utilities, and basic needs won’t stop just because of the lockdown.

This is where the quick turnaround time of litigation funding firms come into play. Lawsuit Cash 911, for instance, issues non-recourse loans within 24 to 48 hours. The team will process your application right away, and if you qualify, you’ll get the funds in just one or two days.

7. How Do You Plan to Pay Back the Loan?

When comparing your law firm financing options, consider their repayment structure. As with most traditional loans, these come with monthly interest rates. With such funding programs, you’d need to repay the lender every single month.

Even a single delayed payment of these loans can already damage your credit score. If you took out a secured loan, failure to pay it back would lead to the loss of the collateral. The secured loan lender will take possession of the security as a means to recoup your unpaid loan.

This can have a devastating impact on your law firm, especially if you used essential assets. You risk losing much of what you’ve invested in your practice due to the non-payment of secured loans.

If you fail to repay a non-secured bank loan, then your entire financial future will suffer. Your credit score will drop, and you’ll have a hard time applying for other loans.

If you’d rather not risk any of your assets, then custom solo attorney loans may be better suited for you. You’d only need to pay back a non-recourse litigation funding program if you win the case. If not, the lender won’t pursue you for repayment.

8. Factor In When You Need to Repay the Lender

As mentioned above, most traditional loans require monthly payments. Specialized litigation funding, on the other hand, usually only have a one-time repayment. You’d only need to pay back the latter if and when you win the lawsuit for your client.



9. The Need for Continuous Access to Financial Resources

Since most lawsuits take months to years, it’s best to have access to continuous funding. A line of credit account custom-designed for your law firm is one of your best options. With this, you’d always have resources to tap for any ongoing expenses.

10. Law Cash 911 Only Need Three Basic Requirements

Law Cash 911 provides attorney practice loans and tailored loans for law firms. These litigation funding programs are non-recourse and act more as a cash advance than a loan. Meaning, you don’t have to worry about monthly repayments or paying back the debt at all if your case doesn’t win.

Law Cash 911 will not base your eligibility on credit history, cash flow, or outstanding debts. There are only three primary factors you’d need to qualify for legal funding.

First, the active lawsuits that you’re handling should have established merit. The defendant of these cases should also have a strong financial foothold. They should be capable of paying the settlements or have adequate insurance.

The third factor is the amount of damages that you and your client is suing for. The more significant this is, the higher the likelihood of legal funding qualification.

Raise Your Law Firm’s Chances of Success With the Best Law Firm Loans Now

As you can see, there are a lot of factors that traditional lenders of law firm loans take into account. If you don’t meet even just one of these, especially credit score, you’re unlikely to get a yes from them. Law Cash 911 won’t put you through the same hoops and stringent



loan application process.

If you need funding for your law firm as soon as possible, we are ready to help. Apply for your attorney and law firm funding loan with us, and we can get you the funds you need in as little as 24 hours.

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