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The Reason Millions of Young Indonesians Have Difficulty Paying Back Their Loans Is Lack of Literacy Skills - Ronies30

Pinjol users are mostly young. However, most of the borrowers who have difficulty paying back their loans are also young.

In recent years, online loans (Bingol) have quickly become popular among Indonesian people. Because? Apart from the simple registration process, Pinjol offers relatively fast disbursement of loan funds. Based on data from the Financial Services Authority (OJK) in 2023, loan recipients in the last two years were dominated by the younger generation of working age, namely under 35 years.

Meanwhile, at least 2.6 million loan customers are struggling to repay loan funds or facing repayment difficulties. Ironically, 57% of customers who have difficulty paying are young people under 35 years of age.

Based on this data, it is clear that the reason it is difficult for young people to repay loan funds is because of the imbalance between their financial capabilities and the amount of loan they request. This is thought to be caused by a lack of knowledge in managing loan products. The state of boredom due to arrears in payments makes many people choose the "immediate" route to avoid the obligation to pay their debts, namely default or failure to pay. In fact, this puts your financial well-being at greater risk.

The Galbe option will only increase the customer's debt burden. In addition, even if the customer uses a legitimate loan service, the customer will continue to receive bills from the lender until the debt payment is made.

Apart from the Çelbei movement, another widespread phenomenon was the use of the services of the Bingöl knights. This service is usually used by people who have problems with their credit history (credit score).

At first glance, Gentleman Pinjol seems like a savior for those with bad credit. However, using Pine Tree Jockey's services created new problems.

Bingöl Knights usually charges a high service fee, which represents at least 10% of the total loan funds disbursed. These costs are added to the loan interest rate determined by Al-Faris, so there is a risk of customers falling into an increasingly large debt trap and being unable to pay their installments.

The Importance of Financial and Digital Culture

The phenomenon of crowding out and the use of lenders is believed to arise due to the younger generation's ignorance in planning their finances before using loan products.

The National Financial Literacy and Inclusion Survey (SNLIK) published by OJK in 2022 states that financial literacy in Indonesia is still at a low level, only 49.68%.

The low level of financial literacy of the Indonesian people makes the existence of lending services controversial. In fact, many people easily believe that fake loan information is spread on social media without checking the truth.

There is a lot of news about various threats if customers do not make loan payments. Apart from that, there are also customers who feel disadvantaged by unreasonable interest rates. However, people do not check more carefully whether the services they use are registered with the Danish Financial Supervisory Authority (OJK).

The reason is, according to the official website ojk.go.id, OJK allows legitimate peer-to-peer (P2P) lending institutions to charge fees to customers who are late in paying their installments without having to threaten violence.

If there are customers who feel threatened by their lenders, they could use illegal loan services that are not supervised by the OJK.

In terms of interest, the amount of interest offered by credit institutions or P2P lending can vary. In the event of late payment, interest or penalties may arise. Therefore, OJK always urges the public to read the contract agreement, including the amount of interest and payment penalties, before applying for a loan.

Public Education Can Be the Solution

Pinjol services can be considered as two sides of the same coin. On the one hand, this service makes it easier for unbanked people, especially the unbanked, to more easily obtain financing to meet their needs and develop their businesses.

On the other hand, the ease of getting a loan sometimes encourages people to borrow without considering their ability to pay. As a result, they may be in debt and unable to pay installments on time.

So that people can get proper benefits from loan services, fintech companies in Indonesia continue to work hard to improve people's financial skills. This is also what the P2P lending company AdaKami does.

AdaKami Brand Director, Jonathan Cress, said that apart from increasing financial literacy, his party also focuses on improving digital culture because Indonesian people are still vulnerable to misinformation in the digital sector.

“The key skill is not just smart financial management, but the ability to seek, absorb and share reliable, evidence-based information,” said Jonathan. Regarding disinformation, Jonathan said that his party received an increase in customer reports from September to October 2023. One of them was a report of an anonymous person offering a loan via WhatsApp, then asking the customer to complete the transaction without their knowledge. AdaKami Application Terms.

Apart from that, Jonathan also often receives reports of an increasing number of fake accounts called AdaKami on social media. In fact, these accounts are promoted through advertising.

"Realizing the impact of losses on customers due to a lack of vigilance in absorbing information and carrying out digital transactions, Adakami continues to urge the public to remain vigilant in absorbing information, especially before carrying out financial transactions," said Jonathan. He also explained that since the 2019 event, AdaKami has continued to carry out communication campaigns to invite people to join AdaKami and become a financially literate generation.

This activity is carried out through a series of educational activities which are actively held both online and offline.

“Among the objectives we highlight are making people understand the rules of financial products, especially P2P lending, calculating cash flow, applying for loans according to their capabilities, assimilating information before carrying out financial transactions and maintaining resistance to online gambling and online loans. ", he explained. "Loan manipulation."

Apart from educating the public, Jonathan said that his party will continue to improve official and helpful customer service at 15000-77 or hello@cs.adakami.id.

Places And Items That Are Often Forgotten When Cleaning The House - Ronies30

There are several areas and items that are often forgotten when cleaning the house, but there are also areas and items that need attention, such as:

Bottom of Furniture

Cleaning the house is an important task to keep the house clean, such as sweeping, mopping and tidying the floor.

When you enter a room, you immediately see what needs to be cleaned. For example, in the bathroom there is a pile of dirty laundry, and the sink is full of dirty dishes and utensils.

But after cleaning up the obvious things, do you pay attention to the rest of the room? In fact, many areas and items are often forgotten when cleaning the house, even though there are some that receive more attention.

If you look under the bed or sofa, you will see a lot of dust. Luckily, these can be cleaned with a vacuum cleaner or dust mop.

But have you ever taken the time to look at the bottom of your furniture? You'll be amazed at the selection of bed frames, chair bases, table supports, and more.

Use a vacuum cleaner or duster at least twice a year to remove dust, dirt, spider webs and eggs.

Walls and Baseboards

Walls are also often places and objects that are forgotten when cleaning the house, and vertical and horizontal surfaces can collect dust and dirt.

Open the curtains and blinds, turn on all the lights, and you'll be amazed at how smooth your walls look. Textured wallpaper collects more dust. Start cleaning walls and wallpaper from the top and work your way down using a duster that can catch particles.

Finally, clean dirt and debris around light switches and door handles.

Finish cleaning the walls, paying attention to the baseboards. These small shelves can collect a lot of dust.

Cabinet Tops, Doors, and Picture Frames

In rooms with high humidity, such as kitchens and bathrooms, it is best to wipe the baseboards with a damp cloth, because the humidity can cause dust to become dirt and stick to the surface. We tend to ignore things that are beyond our field of vision, such as peaks. In fact, these are the areas and items that are often forgotten when cleaning the house.

Clean the tops of door frames, kitchen cupboards, tall cupboards, picture frames and ceiling corners regularly.

While you're there, also check the lighting and ceiling fans. A disposable duster with an extendable handle is a great tool for collecting dust and cobwebs. If you don't have one, use a clean microfiber cloth and attach it to the broom or mop handle with a rubber band.

Air Filters and Ventilation

One area and item that is often forgotten when cleaning your next house is the air filter and exhaust fan. If your home has central heating or air conditioning, there are air ducts that connect the system to each room in your home.

The processed hot or cold air exits the vent and returns to the ventilation system.

If the air returning to the system is not filtered to capture dust and pollen particles, they will be blown back into your living space. There are many types of filters, ranging from very expensive HEPA filters to cheap mesh filters. Whatever type you use, the filter must be replaced or cleaned to be effective.

When replacing the filter, take the time to clean the ventilation grille. You will be able to breathe easier and there will be less dust everywhere.

Additionally, be sure to thoroughly clean the filter and drain hole on the single window unit. Determining when your closet needs cleaning is easy. Clothes shake, shelves pile up, and things fall when you open the door.

Wardrobe Floor

But when was the last time you really cleaned your wardrobe, including the floors? Your closet floor, especially if it is carpeted, can be dusty and dirty due to dirt brought in from outside with your shoes. It might stick.

Carpets are a breeding ground for mold and insects such as beetles which can eat away at your favorite clothes. At least every season, take all your clothes out of the closet and clean your room thoroughly.

This is also a good time to get rid of things you don't really need, donate them, and store the rest properly.

Vacuum Cleaners and Cleaning Tools

A dirty vacuum cleaner, like a vacuum cleaner, will only spread dirt as you use it. Of course, making cleaning supplies is one of the things that is often forgotten when cleaning the house.

Of course, empty trash containers or vacuum disposable bags. However, mugs should be washed and cleaned thoroughly every month. Most products can be washed in hot soapy water and dried.

You may also need to clean or replace the filter. Check the rotating rod or brush to remove tangled threads or hair. You will get better cleaning results and less dust. All mop heads and scrub brushes should be cleaned with hot water and disinfectant detergent after use. Make sure the sponge is dry after use.

Foliage Plants

One place and item that is often forgotten when cleaning the house is ornamental plants. Both real and artificial houseplants can collect a lot of dust.

Take each plant outside and water the leaves. If the plant is too heavy to move, wipe each leaf individually with a microfiber cloth or disposable duster.

1. Online Shop

It cannot be denied that time management is something that is quite difficult to manage when you are a businessman. However, this can be overcome by opening an online-based business or shop (online shop).

You can try selling things like pre-loved items, knick-knacks, DIY products, and so on. The opportunity for a business to succeed is also high, because most millennials use online media as a means of communication.

2. Bloggers

Apart from selling, another option is to become a blogger. For those of you who have a passion for writing, try putting creative ideas into a blog and developing it into a business.

Of course, it's not just about writing and leaving it alone, also learn about blog optimization so that the engagement value is higher and automatically the number of readers will also increase.

3. Instagram Influencers

The next creative business idea is to become an influencer. Becoming an influential person on social media is now nothing new. From this profession, the income that can be obtained is also convincing.

However, trying to get lots of followers is definitely not an easy thing. It's a good idea to look into the unique character that you can develop to be different from other influencers.

4. Freelancing

You can also become a freelancer or freelance worker. Usually, being a freelancer does not require ambitious requirements.

Especially for students, there are several companies that look at candidates who only have knowledge related to their field of study. In fact, apart from increasing your pocket money, experience as a freelancer can also be useful in your future career, you know.

Online Business Ideas

Online media is one of the main means that people use to communicate. However, recently, online media has also changed its function as a place to open a business. Below are a number of online business ideas that you can do.

1. Entrustment Services (Jastip)

Jastip buying goods can be a source of income. For example, when you are on holiday outside the city or country, you can offer storage services to buy goods typical of the area you are visiting.

2. E-commerce and Online Shop

Another alternative is to sell products through e-commerce or online shops. Currently, many people choose to shop online. So, this business opportunity is convincing to do.

3. Media Marketing

Apart from making online media a place to open a business, this technology can also be used as a marketing medium for your company. With a system that makes it easy to disseminate information quickly, marketing will be easier to do.

Home Business Ideas

Now for work you no longer have to go to the office or a place where you sell which is far from where you live. Home business ideas can be an alternative to stay productive even if you have to stay at home. Check out some inspiration for home business ideas with small capital below.

Open a stall or grocery store
Frozen food
Dropshipper
Resellers
Private courses
Healthy food catering
Thrift shop

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Workers’ Compensation Attorney

Every year in the United States, private employers report millions of workplace injuries. Employees who are injured at work have the right to seek compensation from their employers, and our attorneys at May Jungᴸᴸᴾ can help them obtain the payments they need while they’re unable to work.

Workers who are injured on the job or become ill due to their occupation should not have to struggle to get the benefits they are entitled to under workers’ compensation. However, many such claims are rejected, leaving injured workers in a difficult situation financially.

May Jungᴸᴸᴾ’s workers’ compensation lawyers protect the rights of employees who are injured on the job and those who have lost loved ones as a result of workplace injuries.

Skilled in workers’ compensation law;

Well-regarded in the workers’ compensation field; and

Successful in securing benefits for injured workers.

If you’re hurt at work, don’t expect your employer or the workers’ compensation system to be fair. You need an experienced workers’ compensation lawyer to get the benefits you deserve and help your family during your recovery. May Jungᴸᴸᴾ can make sure you’re treated with respect in your workers’ compensation case.

How Can a D.C. Workers’ Compensation Attorney Help My Case?

You are not required to hire an attorney to file a workers’ compensation claim, but it is strongly advised if you are seriously injured. Your employer’s insurance company will have an attorney throughout the process, so you will be at a serious disadvantage without one.

May Jungᴸᴸᴾ will serve your best interests and customize a legal strategy to try to get you the most workers’ compensation benefits possible. Our workers’ compensation attorneys will guide you through the claims process and help support your claim so you have the best chance of getting the maximum benefits available.

An experienced Workers’ Compensation attorney from May Jungᴸᴸᴾ, does the following and more on your behalf:

Files your initial claim for workers’ compensation benefits;

Gathers the necessary evidence to support your benefits claim;

Comprehensively documents your claim;

Argues your case at any hearings if your claim is disputed;

Manages appeals of adverse rulings such as denial of benefits;

Refers you to medical professionals for second opinions when needed;

Demands the maximum monetary benefit to which you are entitled by law;

Stands beside you throughout your recovery to assist and advise you regarding maintaining your benefits qualifications.

Working with an experienced workers’ compensation attorney can help ensure your claim is filed correctly and on time, avoiding any delays in the process. In most jurisdictions, you only have one year to file your workers’ compensation claim. Therefore, it is vital that you contact a seasoned workers’ compensation specialist to begin working on your case right away.

We can help you with your workers’ compensation claim from start to finish, so you can focus on healing. We’re dedicated to getting you the benefits you need. If you or a loved one were injured in a work-related accident or became ill from your job, please contact us for a free, confidential consultation.

What is Workers’ Compensation

Workers’ compensation is a no-fault, employer-funded insurance program that provides benefits to injured workers. For example, In Washington, D.C., all businesses with at least one employee must carry workers’ compensation insurance.

The D.C. Workers’ Compensation Program provides medical benefits and cash payments for job-related illnesses and injuries. Each employer must use a four-digit classification code to identify the type of work its employees perform.

The amount of coverage required in a company’s workers’ compensation policy depends on how risky the employees’ work is. For example, if they work on a construction site, they will need more coverage than if they do primarily clerical tasks.

The Workers’ Compensation Program protects workers from having to pay for sudden injuries or illnesses that develop over time due to occupational exposure.

What are the Benefits Available Under Workers’ Compensation

The severity of the injury or illness, as well as the length of time that the employee is unable to work, determines the severity of the employee’s compensation claim.

Types of disability recognized by the District of Columbia include:

Temporary total disability (TTD) — An employee is entitled to 66.67% of their average weekly wage if they are injured and cannot work for a temporary period of time.

Temporary partial disability (TPD) — Two-thirds of an injured employee’s average wage can be paid out as benefits until full recovery, including during a return to work with fewer responsibilities and a lower wage.

Permanent total disability (PTD) — The worker may collect two-thirds of his or her average weekly wage in lost income benefits for as long as benefits are needed if the injury prevents the worker from returning to employment of any kind or results in the loss of both eyes, hands, feet, arms, or legs.

Permanent partial disability (PPD) — Benefits for the permanent loss of some bodily ability are determined based on the nature of the disability and the worker’s occupation. Payment duration is capped at 500 weeks.

Medical benefits — Workers’ compensation can cover medical expenses, surgery, hospitalization, and the cost of prescriptions and medical devices until the person recovers.

Disfigurement — An employee may be entitled to an additional $7,500 in compensation for significant disfigurement of the face, head, neck, or another portion of the body that is not normally visible during work.

For more information on vocational rehabilitation services and survivor benefits, visit our Workers’ Compensation FAQ page.

What Injuries are Excluded Under Workers’ Compensation Benefits?

The injury or illness must have occurred during regular work hours or as a result of work duties in order to qualify for workers’ compensation insurance.

This includes, but is not limited to the following:

Injuries sustained at work,

injuries or illnesses caused by work, or

injuries suffered while working on someone else’s property.

Workers’ Compensation does not extend to:

Injuries suffered while the employee was committing a crime;

Injuries or illnesses caused by an employee’s use of alcohol or other drugs;

Self-inflicted injuries;

Injuries or illnesses that occurred while the employee was not working; or

Injuries or injuries as a result of an employee’s breach of a company policy.

Workers’ compensation can cover more than just physical injuries from a single event. It can also cover repetitive-stress conditions like carpal-tunnel syndrome, and occupational illnesses from things like chemical exposure.

Why are Workers’ Compensation Claims Denied?

A worker’s compensation claim may be denied for a variety of reasons, and an employer may challenge your assertion by insisting that the injury occurred outside of work. In other situations, a claim is accepted, but the injured employee is only entitled to a portion of the benefit if an error in the application is found.

Any discrepancy can be used by the employer, the workers’ compensation insurance company, or a claims consultant to deny a claim. If the beneficiary breaches the compensation policy’s rules, they will be terminated.

Common reasons a workers’ compensation claim may be denied include the following:

The injury is not covered by workers’ compensation;

The employee failed to provide the employer with timely notification of the injury;

There are no witnesses to the injury;

The worker filed for benefits after being fired or laid off;

There are discrepancies in the claim documents;

No evidence is provided of an injury; and

The worker has not followed their doctors’ orders.

Any employee’s compensation denial letter serves as a deadline for appealing. However, some denials are quickly resolved and are due to procedural inconsistencies or misunderstandings, but other employees’ compensation claims are more difficult and are best handled by seasoned workers’ compensation lawyers.

Reach out to an experienced workers’ compensation advocate for clarification of a specific employee’s compensation denial letter and learning more about workers’ compensation denials and appeals.

What to Do After a Workplace Injury

An injured or ill worker must meet certain requirements and deadlines to obtain workers’ compensation benefits and maintain eligibility for payments. Making a mistake can be financially devastating for the worker or their family.

When hurt at work, an injured worker must do the following:

Report the injury. Notify the employer of any injuries straight away; there may be internal procedures for reporting an accident in order to avoid a claims lawsuit.

Seek medical attention immediately. If possible, get medical care from the employer’s specified provider. Choosing the employer’s provider will make it easier to get your claim approved.

If a worker suffers a work-related injury, injured employees can choose their own doctor, but the injured party cannot change the doctor until the Office of Worker’s Compensation or their employer’s insurance company allows them to do so;

Tell the doctor about any symptoms, limitations, and actions that make the injury worse or more irritating. It is very important to give the doctor a complete medical report so that the injury is correctly recorded for the workers’ compensation claim.

Report any work-related injuries to the Office of Workers’ Compensation within 30 days, and

File a claim within one year.

If an employee dies as a result of a work-related incident, the employer must report it within eight hours. If an employee is hospitalized, has an amputation, or loses an eye as a result of a work-related incident, the employer must report it within twenty hours of being informed of the injury.

Third-Party Claims

Workers’ compensation is generally eligible for medically invasive procedures, medications, rehabilitation services, and time off work, but workers’ compensation does not compensate for non-economic losses such as pain and suffering, emotional trauma, or mental anguish.

If someone other than your employer was responsible for your workplace accident, you may have a third-party claim. This other person or entity is known as the third-party.

A third-party may be:

The accident was caused by the careless or negligent actions of an individual person,

the oversight of a company, general contractor, property owner, or other business entity, or

the poorly designed or defective products of a manufacturer.

A third-party lawsuit is a civil rights lawsuit that can be brought at the same time by a worker’s compensation claim and a third-party lawsuit. For more information about filing a third-party lawsuit, contact an experienced workers’ compensation lawyer.

Contact an Experienced Workers’ Compensation Attorney Today

If you or a loved one have suffered a job-related injury, occupational illness, or workplace death, our workers’ compensation attorneys can help you fight for the benefits you deserve. Contact us for a free legal consultation to see how we can help you and your family.

At May Jungᴸᴸᴾ, our lawyers help injured workers with workers’ compensation claims and appeals. To schedule a free initial consultation, call 833-MAY-JUNG (629-5864) or contact us online.

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How This Firm Owner Found the Perfect Remote Deposition Solution on Instagram

Q&A with Connor Throckmorton of Throckmorton Law Firm PLLC

Connor Throckmorton represents employees in claims involving discrimination, retaliation, harassment, wrongful termination, and employee benefits.

He has represented clients for claims under Title VII, ADA, ADAAA, 42 USC § 1981, ERISA, FLSA, and breach of contract against fortune 500 companies, hospitals, government entities, and higher education institutions.

In 2020, he founded Throckmorton Law Firm PLLC and is currently growing his team due to his early success. Read this Q&A to learn why law firm owner Connor Throckmorton relies on Steno for his court reporting and litigation support needs.

Connor Throckmorton headshot

What sets Steno apart from other court reporting agencies?

I opened my law firm in November 2020, and when I did, I created an Instagram account to promote my business. I was scrolling through my feed and came across an advertisement for Steno.

At first glance, everything about Steno’s branding, from the website to social media, had an easy-to-use, elegant interface.

At the pandemic's peak, Steno was one of the only agencies offering remote depositions with a software solution better than Zoom.

I liked what I saw, and I sent an email to concierge@steno.com asking how to get started.

When I mentioned I was on the plaintiff's side, the person I spoke with told me about DelayPay. Litigation financing for court reporting, for me, was unheard of. That was a significant deciding factor, given that the clients I generally represent are not independently wealthy and able to pay thousands of dollars upfront for litigation costs.

I was looking for an agency that wasn't overpriced just because they could be and because they cornered the market. Steno broke through that norm in the industry.

As a new law firm owner, I said, “sign me up!”

What did you think once you started using Steno Connect for remote depositions?

I defended a remote deposition where the opposing counsel selected Veritext as the court reporting agency. The entire process was complex. I had to download software, create a username and password, and navigate through folders and subfolders just to access the exhibits. It was very confusing.

In the same case, I used Steno Connect for my remote deposition, and the ease and simplicity of the platform gave me a clear advantage over the other side.

Steno Connect is one of the most accessible, user-friendly platforms that I have ever used.

I like the fact that the witnesses don't have to download anything to join the remote deposition or to view exhibits; all they need is a web browser to participate.

That's a huge deal, and other agencies haven't been able to replicate it yet.

The simplicity of exhibit sharing with Steno Connect makes it easier to maintain the witnesses’ focus and concentration. I can still achieve the trance-like state I try to establish when taking depositions. I can still squeeze out truthful testimony while I’m sharing exhibits remotely.

Finally, I have not had to work with the Steno Tech Assistants personally because I've never had a connection issue, but it’s reassuring to know they are there.

That isn’t the case with other software from other vendors. Glitching, freezing, dropped calls, I’ve endured it all. Steno entered the market and understood the assignment. Steno Connect is like the Rolls Royce of virtual deposition software.

Has Steno improved the way you litigate remotely?

At first, I was very anti-virtual deposition because I thought it would allow everybody to covertly coach witnesses or make viewing exhibits difficult.

Once I started using Steno, I was more than happy to do virtual depositions. The majority of my practice is focused on federal law and more often than not, people are in different states.

Instead of spending days arguing over who's going to fly where for what deposition, all parties typically agree to join remotely, and that issue is off the table.

I would also say the way Steno provides exhibits, files and transcripts is a step above the rest. From a visual standpoint, everything is polished, clean, clear and crisp.

Woman sitting down holding a paper copy of a Steno transcript

From a judge's point of view or the court's point of view, that added touch leaves an excellent first impression. Steno helps me present myself as someone sophisticated who works with high-quality vendors. Steno helps build my credibility and leave a good impression.

Presentation and appearance play an important role in litigation. Working with a reputable vendor like Steno has a subtle effect on my presentation and impacts my ability to win a case.

What is your experience working with team Steno?

The concierge@steno.com email address is incredibly responsive.

Anytime I notice a deposition, I just attach it to the email and include any additional services I want, like video. In five to 10 minutes, my account manager Katie responds, confirming my order.

There have been times where I've called or emailed with my hair on fire saying, “SOS, I need somebody now!” and Steno makes it happen.

Even though Steno is elegant and sophisticated, the customer service is warm and welcoming, making scheduling so much easier. They’re with you every step of the way.

Steno also does an outstanding job hiring competent people. When I send over notices, the job pops up in my firm dashboard within minutes without any errors.

How has deferred payment for court reporting helped you as a firm owner?

For the plaintiffs I represent, it's nice for them to know they won't need to pay until after their case's resolution.

I tell my clients about DelayPay, to make them more comfortable signing up. I tell them not to worry because I won’t have to ask them for down payments throughout their case with Steno's deferred litigation financing options.

It's made my life a little bit easier. I'm responsible, and I will pay my and my client's bills, even if I lose.

2-Jan-27-2022-07-19-41-72-PM

How does Steno compare to remote deposition vendors you’ve worked with?

Better than everyone else, and I'm never leaving. Steno is also cheaper, which is hysterical when I think about the thousands and thousands of dollars that large law firms like to spend on the same service of lesser quality. To me, the decision is clear.

Would I rather have it done right the first time for less money or pay a bunch of money for something that’s not that great?

I tell everyone that I know to switch over to Steno. I feel like “the cool guy" who found you before anyone else.

TAGGED WITH: REMOTE LITIGATION, CASE STUDIES

Team Steno

Our contributors are subject matter experts in court reporting, legal technology, and litigation finance.

AVAILABLE NATIONWIDE

The court reporting you need. The service you deserve.

When running a law firm, you have a lot on your mind: your cases, your clients, your cash flow. You need to meet your deadlines, work up your cases, and generate new business. So the last thing on your mind should be worrying about the details of depositions. Don’t let financing or technical hurdles stand in your way.

TRY STENO TODAY

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The Role of an Immigration Lawyer: Understanding What Your Lawyer Can Do for You

Are you struggling with immigration issues? Learn about the role of an immigration lawyer and how they can assist you in understanding the complex legal system. Discover the benefits of having a knowledgeable lawyer on your side to help you achieve your immigration goals.

The process of navigating through the complex and ever-changing landscape of immigration law can be a daunting task for anyone. Whether you are an individual, a family, or a business owner, having the right legal representation can make all the difference in achieving a successful outcome. In Albuquerque, New Mexico, several top-notch immigration law firms and attorneys are available to help guide you through this intricate legal maze.

1. Cristina Chavez: Full-Service Immigration Lawyer in Albuquerque, NM

Cristina Chavez is a Spanish-speaking immigration attorney who provides legal representation in immigration matters across the entire United States. Her wide range of services in immigration law includes family-based immigrant visas, waivers of inadmissibility ("pardons"), adjustment of status, naturalization, U visa (victims of certain crimes), immigration bond requests, passport applications, retrieval of immigration records, retrieval of criminal records, fiancé visas (K1), VAWA (abused spouse, child, parent), removal of conditions on permanent residence, certificate of citizenship, deferred action for childhood arrivals (DACA), name change, FBI background checks, removal (deportation) defense, including asylum and cancellation of removal, and more. The cost for her services varies depending on the complexity and requirements of each case.

2. Hendricks Law

Hendricks Law specializes in immigration law and offers a wide range of services, including family immigration, business immigration, visas, employment-based green card services, naturalization/citizenship, deportation, asylum & persecution, federal litigation, green cards, and employer compliance. To determine the cost of their services, prospective clients are encouraged to call or book a consultation with the firm.

3. The Law Offices of C. Antonio Delgado

With a wealth of knowledge and experience in immigration law, the Law Offices of C. Antonio Delgado offer assistance in adjustment of status, political asylum, PERM and work permit, domestic violence victim, family petition, motion to reopen, deportation defense lawyer, immigration bonds lawyer, visas for victims of domestic abuse, and E-1 and E-1 visas. To inquire about the cost of their services, clients can schedule a call with the firm.

4. US Immigration Lawyers (Lawyer Site)

As a top-rated immigration lawyer in New Mexico, US Immigration Lawyers offer a free case evaluation in Albuquerque. Since 1971, they have been helping individuals facing legal issues find licensed, local attorneys who can help resolve their legal matters. Their lawyer matching service is provided to clients free of charge. Due to the complexity of the immigration process, seeking citizenship or a Green Card is highly recommended to work with an immigration attorney. By consulting with their immigration attorneys, clients will be able to get through legal hurdles and bureaucratic hassles, which are inevitable in the immigration process. The application process can be demanding, paperwork-intensive, and in some cases lengthy. Their attorneys will provide clients with visa options and the required information to stay in the United States. To determine the cost of their services, clients can contact the firm for a consultation.

5. Lawyers.com

Lawyers.com is a platform where clients can find experienced immigration lawyers who can analyze their situation, explain the relevant law to them, and develop a strategy tailored to their needs and their family. Attorneys found on this platform are knowledgeable about the system and can offer insight into local procedures and the tendencies of the officers or judges they will be meeting. Clients can search for attorneys by name or area of expertise, and attorney profiles prominently display contact information, list topics of expertise, and show ratings—by both clients and other legal professionals. Before hiring a lawyer or law firm, clients are encouraged to speak directly—preferably in person—to the attorney who will be primarily responsible for handling their immigration matter. Clients should also consider bringing a list of questions and any documentation related to their immigration history during the consultation. The cost of services for lawyers found on Lawyers.com varies, and clients can contact the lawyer directly for more information.

Navigating the complex world of immigration law can be overwhelming, but having the right legal representation can make all the difference. Whether you are seeking help with family-based immigration, business immigration, or deportation defense, the immigration law firms and attorneys in Albuquerque, New Mexico, can provide you with the expertise and support you need to achieve a successful outcome. It is crucial to remember that finding a lawyer you trust is of utmost importance, and there is no need to hire the first lawyer you consult. Take the time to research, consult, and find the right immigration attorney to guide you through this challenging process.

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Bottom of Furniture

Walls and Baseboards

Cabinet Tops, Doors, and Picture Frames

Air Filters and Ventilation

Wardrobe Floor

Vacuum Cleaners and Cleaning Tools

Foliage Plants

1. Online Shop

2. Bloggers

3. Instagram Influencers

4. Freelancing

Online Business Ideas

1. Entrustment Services (Jastip)

2. E-commerce and Online Shop

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Home Business Ideas

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