When Premises Liability Concerns Cause Problems: A Case for Common Sense

Image courtesy of stockimages / freedigitalphotos.net

Image courtesy of stockimages / freedigitalphotos.net

Premises liability mediators often encounter some strange cases that show the extent to which the threat of ‘liability’ can threaten basic common sense. Take, for example, the recent story about Sergeant William Bolt and his wife Lily, who lives in the town of Central, South Carolina at The Groves apartment complex.

While on leave for the holidays, Sergeant Bolt, who is not on the apartment lease, stays at his wife’s apartment while spending time with her and their newborn daughter. However, recently, the couple came under fire by the landlord, who insisted that if Bolt stays beyond the 7-day visitor limit (as per the lease), his wife is violating the terms of her lease.

“I’m stationed in Missouri and we haven’t seen each other in six months,” says Bolt. “What’s the problem with me staying and visiting with my wife?” The landlord of The Groves insists, however, that the rule applies to every resident, regardless of specific circumstances. Although he refuses to go on record with local media outlets with his full name, he states that the rules of the lease must be followed to the strictest letter since the resident signed it. The only option he is giving the couple is for Bolt to leave the premises or for their rent to be doubled.

According to Bolt, the landlord doesn’t care that the couple is married with a newborn, nor does he care that Bolt is in the military. After taking the case to a local attorney for consultation, the Bolts stated that the attorney assured them that the landlord’s case will likely not stand up in court for several reasons: first, the couple is legal spouses; second, the portion of the lease relating to visitors staying beyond 7 days is poorly worded.

This is an excellent example of a case relating to premises liability concerns (on the landlord’s part) that simply doesn’t hold water in court or show simple common sense in application of premises liability law. In fact, the couple plans to take the case to a mediator soon in order to resolve the dispute. Hopefully, mediation will help this misguided landlord see the error of a poorly written contract.

Car Accident Mediation: What to Expect

Image courtesy of David Castillo Dominici / freedigitalphotos.net

Image courtesy of David Castillo Dominici / freedigitalphotos.net

Car accident mediation is a voluntary process that provides a legal remedy for settlement of car accident claims.  Completely confidential, car accident mediation allows the parties involved in a car accident claim to settle outside of court and avoid the high costs (both in time and money) of a courtroom trial.   The process is voluntary and both parties involved in the mediation process are able to take the case to court at a later date if mediation doesn’t offer an acceptable resolution.

As an alternative dispute resolution process, car accident mediation is facilitated by a neutral, third-party mediator who will look over the details provided by both parties before the mediation process begins.  After each side provides its brief, including the cost of damages incurred and demands for settlement (if any), both parties will discuss the details related to the incident.  The accident mediator will facilitate this discussion and help both parties based on his or her knowledge of state and federal laws.

When preparing for car accident mediation, keep in mind that you will need evidence relating to the accident.  This can include copies of police reports and insurance policies.  While having your own lawyer representing you in car accident mediation is not required, it is important to remember that the insurance company will likely have their own attorney present if an insurance company is involved in the claim.

The actual car accident mediation process will likely take place in a room where all parties meet together to discuss the details of the claim.  Each party will give an opening statement that includes details related to their “side” of the dispute.  After all statements have been heard, the parties will then work on a legal settlement jointly.  The accident mediator remains neutral throughout the entire process, which means that he or she will not make settlement decisions for the parties, nor will he or she decide who is “right” and who is “wrong.”

Foreclosure Mediation in 2015’s Housing Market

Image courtesy of vectorolie / freedigitalphotos.net

Image courtesy of vectorolie / freedigitalphotos.net

The foreclosure trend that began in 2008 has slowed considerably, but is still a dominant issue in some housing markets as we enter in to 2015.  If you work in foreclosure mediation and your work hasn’t slowed considerably in the past several years, you already understand this.  By this point, foreclosure mediation is a tried-and-true method across the country to resolve the overwhelming foreclosure crisis that has hit since the recession.  Foreclosure mediation has been part of state and county legislation for some time now, and although many states are relaxing those requirements, it is still a form of ADR that seems to be widely useful as well as widely used.

According to RealtyTrac’s most recent information (November 2014), foreclosure rates in the U.S. was 1 in every 1,170 homes.  The top five states showing the most foreclosures (as of November 2014) were Florida (1 in every 462 homes), New Jersey (1 in every 478 homes), Maryland (1 in every 581 homes), Delaware (1 in every 693 homes), and Utah (1 in every 750 homes).

Following the market scare and subsequent housing bubble burst of 2008, many states created laws requiring foreclosure mediation as a requirement before a bank could foreclose on a property.  Since that time, some of the states have ended that requirement, although courts within the state still turn to foreclosure mediation to resolve what is often a backlog of foreclosures in the area. The same is true of counties and cities that have suffered the bulk of the foreclosure crisis of the past 7 years.

If you are considering adding foreclosure mediation to your specialties in the field of ADR, below is a quick overview of the process:

Foreclosure mediation—first and foremost—seeks to keep homeowners in their homes and avoid the foreclosure process.  The process involves a meeting between the homeowner(s) and lender, with a neutral third-party mediator leading the discussion.

When foreclosure mediation begins, an overview of the homeowner’s financial situation is conducted.    Through this, both the lender and the homeowner can see the exact numbers and attempt to work through a solution that allows the homeowner to either keep the home or give up the property without having a foreclosure on their credit.  This can be achieved in several ways, including revising the repayment plan, setting up forbearance, modifying the loan, or selling the home via short sale.

February 18, 2015

Lessons From Marriage and Divorce – Several different couples I’m friends with are uncoupling right now. They’re at the very beginning of the separation process. It’s got me thinking. Because when I look in their eyes, when I hear their voices, I recognize the fear and sadness that permeates their souls and colors their minutes and future plans and past memories.

Mortgage Loan Rates Rise for 2nd Straight Week – The Mortgage Bankers Association (MBA) released its report on mortgage applications Wednesday morning. It noted a week-over-week decrease of 13.2% in the group’s seasonally adjusted composite index for the week ending February 13, following a drop of 9% for the week ending February 6. Mortgage loan rates increased on all five types of loans for the second consecutive week.

U.S. college student borrowers, debt rise last year: N.Y. Fed – More U.S. students continued to borrow larger sums for their college education last year, according to data from the Federal Reserve Bank of New York, while total student loan balances tripled over the last decade.

February 13, 2015

How to Make a Better Divorce – Divorce is never an easy thing for anyone involved. It may be a challenging, emotional, and psychological journey for families to undergo, but in the final analysis, this is the time to show your children how to be happy. From a miserable marriage can come a good divorce — it takes a lot of work and focused effort, but the benefits to you and your children are well worth it.

US foreclosures hit a 15-month high in January – The number of U.S. properties in foreclosure upon rose 5 percent in January, driven by a jump in bank repossessions, real estate data firm RealtyTrac said on Thursday.

Average 30-year mortgage rate jumps to 3.69% – Average long-term U.S. mortgage rates rose this week yet remained near historically low levels.

February 10, 2015

Healthcare: The race to cure rising drug costs – Critics are asking if the big pharma industry’s premium pricing model can endure

Copyright Policy And The Right To Science And Culture – Psychiatric treatment is often a difficult process for both doctor and patient. Because of this, strict guidelines have been set out to help doctors make the right diagnoses and prescribe the proper treatments, while providing the best standard of care for patients, and protecting the patient and other individuals from harm.

February 5, 2015

Global Debt Has Risen by $57 Trillion Since the Financial Crisis, Which Is Scary – First, in the abstract it doesn’t matter. For every debtor there is a creditor, and in theory an economy should be able to hum along just fine whether a country’s citizens have a great deal of debt or none. A company’s ability to produce things depends on the workers and machines it employs, not the composition of its balance sheet, and the same can be said of nations.

Mortgage rates slump on weaker than expected economic reports – Weaker than expected economic reports caused a slump in mortgage rates this week, according to the latest data released Thursday by Freddie Mac.

US housing market booms as foreclosures drop 69% from 2009 peak – Healthier US economy helps winnow foreclosures as mortgage applications jump 40% in a single week. Is the housing market ready to grow again?