Posts in category: Legal

Looking for personal injury lawsuit tips in Rutherfordton?? Vehicle accidents occur at alarming rates throughout the state of North Carolina. Unfortunately, these incidents can occur between multiple vehicles as well as incidents involving vehicles versus pedestrians, bicyclists, and motorcyclists. Accidents involving large commercial trucks can be devastating for those inside traditional passenger vehicles. Often, these incidents are caused by the careless or negligent actions of truck drivers or trucking companies. Our team strives to secure full compensation for our clients, and we are not afraid to stand up to well-funded trucking companies in the process.

Keep your attorney informed of anything that might affect your case. Certainly nothing should be signed without first consulting the attorney. Applications for insurance benefits, reports to the State, any change in doctors, returning to work, any change in treatment, etc., should be reported promptly. Disability or unemployment applications should first be checked by the attorney. Keep your attorney advised of any vacation times when you may not be available. An emergency telephone number and an alternative way of reaching you must be in your attorney’s file at all times.

According to N.C. Gen. Stat. section 1-52 the statute of limitations on personal injury cases is three years. This means you have three years from the date of your injury to file a claim or you may lose your right to obtain compensation. Depending on the specifics of your case, you may qualify for an extension to the statute of limitations. An attorney from our firm can let you know how the statute of limitations can affect your case. There are three main types of damages available in a personal injury case, economic, non-economic and punitive. The first two are called “compensatory damages” since their main purpose is the compensate the injured party for their losses associated with suffering an injury. Economic damages, as the name suggests compensate the injured party for financial losses related to their injuries such as the inability to work and medical expenses. Non-economic damages, on the other hand, compensate for more intangible losses such as pain and suffering and mental anguish. Punitive damage differs from the first two in that their main purpose is to punish the negligent party. As such punitive damages can be quite severe and are not often awarded. Read extra details at Price Petho & associates personal injurty attorneys.

When a person dies as a result of negligence, wrongful action, or the fault of another person, it is vital that family members be able to recover compensation for their losses. These incidents can occur in a wide variety of ways, including any of the types of injuries we mentioned above and more. Success in every case requires thorough preparation and attention to detail. We pride ourselves on providing the highest level of personal service to our clients and aggressive representation on their behalf.

In North Carolina, the employer is responsible for: Medical care- Workers’ compensation provides for payment of medical expenses, including hospital and rehabilitation services, prescription medication and travel expenses. The injured worker may also be entitled reimbursement of travel expenses to treatment facilities at the rate of 50.5 Cents ($0.505) per mile, provided that travel is 20 miles or more per round trip. Lost wages- Lost wages are paid after the first seven days of disability and are calculated at the rate of two-thirds of the employee’s average weekly wages. These benefits are referred to as “Temporary Total Disability” or TTD and “Temporary Partial Disability” or TPD.

Attorney Douglas A. Petho is a native of the Charlotte area who joined the firm in 1993. Since joining the firm in 1993, attorney Petho’s primary focus has been the litigation of plaintiff’s personal injury suits. He has successfully tried hundreds of cases to jury verdict involving automobile accidents, trucking accidents, pedestrian accidents, slip and fall accidents, animal attacks, intentional torts, and work-related accidents. He has served as a representative of the plaintiff’s bar on the Mecklenburg County District Court Rules Committee and has served as an arbitrator in numerous insurance disputes. See more information at https://www.priceattorneys.com/.

Personal injury lawsuit tips in Rockingham, NC? Dogs and other pets can cause severe injuries in the event they bite or attack somebody. Dog and pet owners have a responsibility to ensure that other individuals around these pets are safe, but there are times when pet owners fail to take proper safety precautions. North Carolina has various laws regarding dog bite injuries, and victims are often able to recover significant compensation from insurance carriers or at-fault parties in these cases.

Insurance company private investigators have been known to carry concealed tape recorders to interview claimants and their friends or acquaintances. You should never discuss your case with anyone other than your attorney and your treating doctors or therapists. It is extremely important that you advise your attorney of any PRIOR ACCIDENTS, PRE-EXISTING INJURIES or PRE ACCIDENT PHYSICAL COMPLAINTS. Many good cases are compromised or lost because the injured person forgets or conceals previous injuries or history of physical complaints from his or her own attorney.

Injuries from an accident or due to the negligence of another can leave you with many new challenges-pain, medical bills, and lost wages, to name a few. All of it is compounded by the anxiety of wondering how to pay for your recovery. You do not have to face these problems alone. Price Petho & Associates is a team of experienced Charlotte personal injury attorneys who will fight for our clients. We are resourceful problem solvers ready to help you seek the compensation you need and deserve. Read additional details on see the price attorneys website.

When a person dies as a result of negligence, wrongful action, or the fault of another person, it is vital that family members be able to recover compensation for their losses. These incidents can occur in a wide variety of ways, including any of the types of injuries we mentioned above and more. Success in every case requires thorough preparation and attention to detail. We pride ourselves on providing the highest level of personal service to our clients and aggressive representation on their behalf.

What is Workers’ Compensation? Workers’ compensation is a state-operated system that provides benefits to workers who sustain a compensable injury by accident arising out and in the course and scope of their employment. The North Carolina Workers’ Compensation Act defines an “injury by accident” as an unlooked-for or untoward event such as a slip, trip, fall or other unexpected events that interrupt your usual work routine. Benefits can also be paid for certain recognized occupational diseases. An occupational disease is any disease that is caused by the specific type of work that you do, as opposed to the types of work that the average person might do. If your job involves a higher rate of a particular disease, it may be considered an occupational disease. There are specific conditions that are recognized in the North Carolina Workers’ Compensation Act, including asbestosis, silicosis, synovitis, tenosynovitis, bursitis, and chemical exposure.

Attorney Douglas A. Petho is a native of the Charlotte area who joined the firm in 1993. Since joining the firm in 1993, attorney Petho’s primary focus has been the litigation of plaintiff’s personal injury suits. He has successfully tried hundreds of cases to jury verdict involving automobile accidents, trucking accidents, pedestrian accidents, slip and fall accidents, animal attacks, intentional torts, and work-related accidents. He has served as a representative of the plaintiff’s bar on the Mecklenburg County District Court Rules Committee and has served as an arbitrator in numerous insurance disputes. Find even more details at priceattorneys.com.

Remortgage solicitor in Manchester, UK by BlackstoneSolicitorsLtd? Some individuals review their Wills regularly ensuring that they amend them to take account of a change in family or personal circumstances. However, those that don’t may find that on their death their Wills may not reflect their own last wishes or the expectations of those they have left behind. There are a number of reasons one might wish to make a Deed of Variation, for example, to make provision for someone who was excluded from the Will, to take account of differences in the financial position of beneficiaries, or to simply pass assets on to the next generation. There may well be other financial reasons to consider. At Blackstone, we can help to ensure a Deed of Variation achieves the outcome you are looking for. It is imperative that you seek expert legal help as once a variation has been made it cannot be undone.

As a majority shareholder you may also want to prevent the minority shareholders from setting up a rival business to the company’s business or passing on any confidential information about your company to any potential competitors. Both of these can be provided for in the agreement. If you would like to include restrictions on the transfer of shares, this can be provided for in the agreement – for instance, not allowing sale to a competitor or any other individual who is not involved in the running of or who would not have any interest in the business. Shareholders’ agreements can be drafted to cover rules about how and to whom shares can be transferred, on what terms and at what price.

We are dogged in our determination to make sure all parties involved do what they should be doing, when they should be doing it, giving you the peace of mind to focus on the other important matters you are dealing with. Transferring the ownership of a home that has a mortgage, such as when gifting to the next generation, or giving someone shared ownership of a property with a mortgage can be tricky. While it is entirely possible to do so, there are a variety of factors to take into consideration. To find out more about how to transfer the ownership of a property with a mortgage, contact our residential property solicitors today for a free, no obligation initial discussion on 0161 929 0121. Or alternatively fill in our online enquiry form or email us on info@blackstonesolicitorsltd.co.uk and a member of our team will contact you.

Why are we better for you? We stand out from the crowd because we care about every case we take on, and doggedly fight to get the result that is fair and right. This is reflected in our ethos of passion and tenacity, which we follow at all times. We understand clients want a law firm to fight their corner every step of the way. We are: Passionate about each and every case, Willing to pursue what we think is right, Highly experienced in getting the right results for our clients, Highly academic – both in our background and our approach, Proud of the work we do. Find more information on Blackstone Solicitors.

What will I need to do during the rent recovery process? Blackstone Solicitors will perform the vast majority of work during the rent recovery process. We understand that chasing money can be exhausting and stressful, which is why we take appropriate steps to alleviate the burden. All we need from you are copies of: Property ownership documents, Details about the tenant, The tenancy contract, Evidence that you did not receive the money you are attempting to claim back, Evidence that the tenant left your property within the last six years.

There are a number of reasons why a Landlord or Tenant may want to end a commercial lease early. In any event, and notwithstanding the reason, there are steps that must be taken in order to ensure that the lease can be determined. Below we outline the reasons and the complications that can arise. Conduct would include delivering the keys to the Landlord and the Landlord accepting receipt so that the lease comes to an end. However, both options would require the Landlord to agree to the Tenant surrendering the lease. The Landlord may also ask for a payment to be made as ‘compensation’ for the loss of rental income. Similarly, if the Landlord wishes to determine a commercial lease early, it can ask the Tenant for a surrender. In this instance, the Tenant is not obliged to agree and may accept to surrender upon payment of a premium. Discover extra details on https://blackstonesolicitorsltd.co.uk/.

Bankruptcy attorney Houston, Texas and chapter 7 reliable advices? A ‘Motion for Non-Suit’ is what a creditor files to have its lawsuit dismissed. This can be ‘with prejudice’ (meaning a new lawsuit cannot be filed over the debt in the future) or ‘without prejudice’ (meaning the creditor has the right to file a lawsuit over the same debt in the future). A creditor may file a non-suit as part of a settlement agreement. A creditor may also file a non-suit when they realize they do not have all the documents necessary to prove the debt to a judge (or jury). If a non-suit is filed that means the lawsuit will not result in a judgment.

When is the IRS likely to agree to an Offer In Compromise? The two main reasons the IRS will agree to an OIC are if there is doubt as to collectability (you do not have enough income or assets to pay the tax debt in full) or that collection of the full tax would create an economic hardship, would be unfair or would be inequitable. The IRS even has an online tool to help determine if you may qualify for an OIC to settle your back tax debt. There is a mathematical calculation that must be performed that involves the net value of your assets and your net monthly income.

If you have questions about how a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in Houston (or the surrounding areas) may be able to help you or your business, please call today to schedule a free consultation. Even if bankruptcy is not right for you and your situation, I may be able to help you through the process of debt settlement, if needed. My job as a lawyer is to educate you about all of your options when seeking a financial fresh start so that you can make an informed decision that is right for you. I think that customer help should be the number one priority in any business, but it is also very important important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues. Find even more information at top rated bankruptcy attorneys in houston.

One of Chapter 13’s most attractive features is the chance to keep your home as long as you can pay the mortgage under a settlement plan. Under Chapter 13, people have three to five years to resolve their debts while applying all their disposable income to debt reduction. The option allows applicants to eliminate unsecured debts while catching up on missed mortgage payments. Short-circuiting home foreclosure is one of the option’s most attractive features. Though keeping your home can be a major relief, you’re required to spend years living under the supervision of a court-appointed trustee who will collect and distribute your payments.

Invest in Qualified Opportunity Funds: Taxpayers can defer paying capital gains by reinvesting their money into Qualified Opportunity Funds. The funds, which were created by the Tax Cuts and Jobs Act of 2017, are intended to spur economic development and job creation in distressed communities. If money is held in a Qualified Opportunity Fund for seven years, 15% of the capital gains tax on the investment is eliminated. “It’s a wonderful tax incentive,” Zollars says. However, like other provisions of the tax reform law, the funds and their tax-savings benefits are scheduled to end in 2026. That means to have your money held in a fund for seven years, you’ll need to make an investment before Dec. 31, 2019.

Reinvested dividends: This isn’t really a tax deduction, but it is a subtraction that can save you a lot of money. And it’s one that many taxpayers miss. If, like most investors, you have mutual fund dividends automatically invested in extra shares, remember that each reinvestment increases your “tax basis” in the stock or mutual fund. That, in turn, reduces the amount of taxable capital gain (or increases the tax-saving loss) when you sell your shares. Forgetting to include the reinvested dividends in your cost basis—which you subtract from the proceeds of sale to determine your gain—means overpaying your taxes. TurboTax Premier and Home & Business tax preparation solutions include a very cool tool—Cost Basis Lookup—that will figure your basis for you and make sure you get credit for every dime of reinvested dividends.

A Chapter 13 bankruptcy allows you to keep your stuff and get on a more affordable repayment plan with your creditors. You’ll need to have enough income to afford the payments and be below the maximum total debt limits (currently nearly $400,000 for unsecured debts and $1 million-plus for secured debts). A court will approve the Chapter 13 repayment plan, which usually lasts three to five years, and your trustee will collect your payments and disburse them to your creditors. Once you finish the plan, the remainder of the unsecured debts is discharged. See even more info on dovebankruptcylaw.com.

Best Lebanon law firm by Hage-Chahine? From drafting arbitral agreements and assisting clients with arbitral proceedings to seeking recourses in front of national courts and enforcement of arbitral awards, our arbitration practice provides legal services at all stages of the arbitration process. As plaintiff’s counsel, we use our vast experience to clearly establish liability and pursue claims for maximum financial compensation. As defense counsel, we vigorously dispute liability claims using all available defenses and we use all factual and legal elements to limit liability to the greatest extent possible. We handle all types of tort-based claims in Lebanon and abroad, including insurance indemnity claims, product liability, professional liability and medical malpractice.

We are pleased to announce that Hage-Chahine Law Firm has been shortlisted in five categories of the 2021 Middle East Legal Awards. Our firm has been nominated for the following categories: Arbitration team of the Year Award. Construction Team of the Year Award. Corporate Social Responsibility Initiative of the Year Award. Litigation team of the Year Award. Regional Law Firm of the Year Award. The Middle East Legal awards recognize lawyers and in-house legal counsel who operate in the Middle East for innovating in the legal sector and for working on precedent-setting, game-changing projects and initiatives. As one of the only Lebanese law firms to be shortlisted in this year’s edition of the Middle East Legal Awards, we take pride in the performance of our lawyers. This international recognition is a testament to the commitment we have towards our craft and to the excellence of our team. The Middle East Legal Awards ceremony will take place on June 10, 2021 at the Ritz Carlton JBR in Dubai, bringing together law firms and in-house legal departments with a presence in the region. We take this opportunity to thank all of our clients for placing their trust in us and we congratulate all the other shortlisted firms and counsels and wish them the best of luck in June.

Our firm has the technological resources and our attorneys have the technical skills required to secure privacy in today’s online environment. We also assist our clients with protecting the privacy of their employees and their customers by relying on extensive experience to offer practical solutions that are tailored to current regulatory standards. As a signatory of the Ten Principles of the United Nations Global Compact, we are committed to actively promoting diversity. Our commitment to diversity pervades all aspects of our practice. The firm provides an environment which allows everyone to develop and grow regardless of age, sex, sexual orientation, disability, gender reassignment, marriage or civil partnership, maternity or pregnancy, race, religion or belief. Find even more info at Lebanese law firm.

We pride ourselves on our quick response to calls and requests and we strive to improve our response rate to better serve our clients. We track every request and use some of the most advanced methods of communication in order to provide our clients with a response within 24 hours. Innovation: Our firm has adopted some of the most advanced methods of delivery of legal services and strives to be one of the foremost innovative law firms in the Region. We work without unnecessary delays and aim to minimize legal costs.

We are the only law firm in Lebanon with two attorneys who hold the prestigious title of Agrege of the French Faculties of Law which is the highest academic recognition that is bestowed upon French Law practitioners. Members of our team include graduates of Harvard Law School, Universite Paris 2 Pantheon-Assas and Saint-Joseph University as well as Law Professors who teach at some of the most prestigious universities in Europe and in the Middle East. Discover extra details on hagechahine.com.

Houston, TX IRS tax lawyer with Dove law firm? A settlement is a voluntary agreement reached by the parties in the lawsuit. A settlement resolving a debt lawsuit usually addresses how much the Defendant has agreed to pay and what actions the Plaintiff will (or won’t) take as long as the payment(s) are timely made. For a long-term payment plan, the Plaintiff may require the Defendant to sign an ‘Agreed Judgment.’ An Agreed Judgment is basically the Defendant admitting that the money is owed and the Plaintiff promising not to collect on the judgment as long as the Defendant makes the agreed upon payments. Settlements can vary from very simple to very complicated. Legal counsel should be sought before signing a settlement agreement.

If you have questions about how a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in Houston (or the surrounding areas) may be able to help you or your business, please call today to schedule a free consultation. Even if bankruptcy is not right for you and your situation, I may be able to help you through the process of debt settlement, if needed. My job as a lawyer is to educate you about all of your options when seeking a financial fresh start so that you can make an informed decision that is right for you. I believe that customer help should be the no 1 priority in any business, but it is especially important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

There is a time limit for the IRS to assess or collect back taxes. Once that time limit expires, the IRS can no longer take collection actions. A Houston tax attorney can analyze your tax information to determine if any of the tax years for which you owe are at or near the statute of limitations. Generally speaking, the IRS has 10 years from the date a tax is assessed to collect on the back taxes (there are certain occurrences which can extend the 10-year deadline). Discover additional info on great info.

State tax you paid last spring: Did you owe taxes when you filed your 2018 state tax return in 2019? Then remember to include that amount with your state tax itemized deduction on your 2019 return, along with state income taxes withheld from your paychecks or paid via quarterly estimated payments. Beginning in 2018, the deduction for state and local taxes is limited to $10,000 per year. When you buy a house, you often get to deduct points paid to obtain your mortgage all at one time. When you refinance a mortgage, however, you have to deduct the points over the life of the loan. That means you can deduct 1/30th of the points a year if it’s a 30-year mortgage—that’s $33 a year for each $1,000 of points you paid. Doesn’t seem like much, but why throw it away? Also, in the year you pay off the loan—because you sell the house or refinance again—you get to deduct all the points not yet deducted, unless you refinance with the same lender.

One of Chapter 13’s most attractive features is the chance to keep your home as long as you can pay the mortgage under a settlement plan. Under Chapter 13, people have three to five years to resolve their debts while applying all their disposable income to debt reduction. The option allows applicants to eliminate unsecured debts while catching up on missed mortgage payments. Short-circuiting home foreclosure is one of the option’s most attractive features. Though keeping your home can be a major relief, you’re required to spend years living under the supervision of a court-appointed trustee who will collect and distribute your payments.

Avoid Taxes on an RMD with a Charitable Donation: Seniors who have a traditional 401(k) or IRA must take a required minimum distribution each year once they reach age 70 1/2. Those who don’t need this money for living expenses may want to consider having it sent directly to a charity as a qualified charitable distribution. “It’s basically a check issued from the IRA and made out to the charity,” Zollars says. This prevents the money from becoming taxable income and could help reduce the amount of Social Security retirement benefits that are deemed taxable, too.

What’s the Difference Between Chapter 7 and Chapter 13 Bankruptcy? Chapter 7 and Chapter 13 are the two common types of bankruptcy that affect consumers. Either could help when you don’t have the means to pay all your bills, but there are important differences between the two. A Chapter 7 bankruptcy can wipe out certain debts within several months, but a court-appointed trustee can sell your nonexempt property to pay your creditors. You also must have a low income to qualify.

Chapter 7 tricks by bankruptcy attorney Houston, Texas: A judgment is a document signed by the judge stating whether the Defendant owes any money to the Plaintiff and if so, how much. A judgment is the end of a lawsuit. It is then up to the creditor (assuming the judgment is in favor of the creditor) and the creditor’s lawyers to try to collect on the judgment. The most common methods of collection for a debt lawsuit in Houston are as follows (note – this is not a complete list): Bank Garnishment – A creditor has the right to garnish any bank accounts that the judgment Debtor’s name is on. In special situations there are legal defenses to stop a bank account garnishment, but these rights must be asserted.

If you have questions about how a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in Houston (or the surrounding areas) may be able to help you or your business, please call today to schedule a free consultation. Even if bankruptcy is not right for you and your situation, I may be able to help you through the process of debt settlement, if needed. My job as a lawyer is to educate you about all of your options when seeking a financial fresh start so that you can make an informed decision that is right for you. I believe that customer service should be the number one priority in any business, but it is especially important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

Earned Income Tax Credit (EITC): Millions of lower-income people take this credit every year. However, 25% of taxpayers who are eligible for the Earned Income Tax Credit fail to claim it, according to the IRS. Some people miss out on the credit because the rules can be complicated. Others simply aren’t aware that they qualify. The EITC is a refundable tax credit—not a deduction—ranging from $529 to $6,557 for 2019. The credit is designed to supplement wages for low-to-moderate income workers. But the credit doesn’t just apply to lower income people. Tens of millions of individuals and families previously classified as “middle class”—including many white-collar workers—are now considered “low income” because they: lost a job, took a pay cut, or worked fewer hours during the year. The exact refund you receive depends on your income, marital status and family size. To get a refund from the EITC you must file a tax return, even if you don’t owe any taxes. Moreover, if you were eligible to claim the credit in the past but didn’t, you can file any time during the year to claim an EITC refund for up to three previous tax years.

Your creditor could also object and keep certain debts from getting discharged. For example, a credit card company could object to the debt from recent luxury goods purchases or cash advances, and the court may decide you still need to repay this portion of the credit card’s balance. Additionally, a Chapter 7 bankruptcy may discharge the debt you owe on secured loans. Secured loans are those backed by collateral, such as your home for a mortgage, or when a creditor has a lien on your property. However, even if the debt is discharged, the creditor may still have the right to foreclose on or repossess your property.

Harvest Your Capital Losses: If you own stocks that have lost money, you can sell them and deduct up to $3,000 on your federal taxes. Just be careful not to violate the wash-sale rule, which would disallow the deduction. This rule states you cannot purchase the same or a substantially similar stock within 30 days before or after the sale. “Some people think it’s OK if I do it using two accounts,” Zollars says. They may think they can sell a stock from a taxable account and then immediately purchase similar securities in an IRA. However, this is not allowed. “That’s not the way the rule works,” he says. See extra information on bankruptcy attorney in houston tx.

Chapter 13 bankruptcy is like Chapter 11, which applies to businesses. In both cases, the petitioner submits a reorganization plan that safeguards assets against repossession or foreclosure and typically requests forgiveness of other debts. They both differ from the more extreme Chapter 7 filing, which liquidates all assets except those specifically protected. No bankruptcy filing eliminates all debts. Child support and alimony payments aren’t dischargeable, nor are student loans and unpaid taxes. But bankruptcy can clear away many other debts, though it will likely make it harder for the debtor to borrow in the future.

Laurea in diritto spagnolo Serafino Di Loreto – Ha persino fatto fondere e donato la ‘Campana della Nuova Vita’ alla parrocchia di Castenedolo, nel bresciano, in cui visse la propria infanzia, in memoria delle troppe vittime, negli ultimi anni, di banche e fisco ingiusti. Gente che è giunta oltre il limite estremo della disperazione per colpa delle numerose ingiustizie subite da parte di enti creditizi ed erariali. Il 2018 appena conclusosi è stato un buon anno per Serafino Di Loreto, il professionista lungimirante e competente che in anni recenti ha fondato la società ‘Sdl Centrostudi spa’, con sede a Mazzano, in provincia di Brescia. La rinomata struttura professionale si occupa principalmente di analisi contabili per il recupero del credito di anatocismo e usura sui conti correnti e rapporti bancari in genere.

Il 2018 appena conclusosi è stato un buon anno per Serafino Di Loreto, il professionista lungimirante e competente che in anni recenti ha fondato la società ‘Sdl Centrostudi spa’, con sede a Mazzano, in provincia di Brescia. La rinomata Società si occupa principalmente di analisi contabili per il recupero del credito di anatocismo e usura sui conti correnti e rapporti bancari in genere. E negli anni scorsi, anche per la crisi economica, è stata protagonista una rapidissima crescita in tutta Italia che l’ha portata alla ribalta nel mondo dell’imprenditoria locale e nazionale.

Mentre a Bergamo Serafino Di Loreto ha rilevato altresì un’azienda, proveniente da tre fallimenti, che fino a novembre 2017 perdeva circa 400mila euro al mese. Oggi, dopo soli 12 mesi, l’azienda ribattezzata ‘DL Sintered SRL’ ha fatturato ben oltre 8 milioni di euro, debiti zero, e continua a garantire lavoro e futuro a 35 dipendenti “ritirati dal fallimento” che altrimenti sarebbero rimasti a casa: qui grazie a un innovativo processo di stampaggio di polveri vengono creati ex novo componenti meccanici poi esportati in tutto il mondo.

L’azienda dal 2010, anno della fondazione a oggi, in soli otto anni ha assistito e aiutato, su fronti differenti e molteplici, oltre 150 mila italiani – privati e imprese – a uscire dalla crisi: restituendo, annullando e/o compensando circa 250 milioni di euro (riferiti a cartelle esattoriali, aste e pignoramenti bloccati o cancellati, interessi bancari illeciti su vari fronti) ingiustamente sottratti da banche e fisco ai loro legittimi proprietari.

“Oltre a essere stati i primi in Italia ad aver affrontato su vasta scala la questione dell’anatocismo/usura, e di tutti gli aspetti collegati, siamo anche stati i primi ad esserci dotati di polizze stipulate con importanti operatori del settore, che garantiscono la copertura delle spese legali, in caso di soccombenza“, prosegue ancora Di Loreto, imprenditore poliedrico e di successo attivo anche in altri molteplici settori. A Mantova, con la società ‘Ecoval’ il fondatore di ‘SDL Centrostudi Spa’ ha sviluppato un progetto con il patrocinio del Comune stesso e la cooperativa ‘Il Solco’ che ha consentito di avviare il risanamento dell’area cittadina dell’ex petrolchimico ‘IES’, salvando ben 20 posti di lavoro, e attivando una produzione in stile green, grazie alla coltivazione di una speciale radice che nel sottosuolo bonifica il terreno, mentre in superficie si sviluppa rapidamente come un alto canneto atto alla produzione di combustibile tipo pellet. In pratica, ha acquisito e riconvertito una delle più storicamente importanti realtà industriali cittadine, trasformandola da inquinante a struttura che crea disinquinanti.

Qualche anno fa fatturavate di più… Sì certo, la crisi era nel vivo, e paradossalmente per il tipo di lavoro che facciamo, avevamo richieste maggiori. Ora fortunatamente il mercato è in ripresa e c’è maggiore liquidità che circola, di conseguenza banche e aziende litigano di meno. In che cosa consiste, prevalentemente, l’attività di ‘Sdl Centrostudi Spa’? L’impresa si occupa in primis di analisi contabili econometriche per verificare che banche, istituti di credito e agenzia delle entrate non pratichino anatocismo ed usura e rispettino tutta una serie di parametri fissati dalla legge. Valutiamo il costo del denaro per imprese e persone che hanno mutui, finanziamenti e altro.

Avvocato Di Loreto, come si gestisce una struttura con centinaia di collaboratori sparsi per l’Italia? Noi abbiamo scelto un’organizzazione molto simile a quella militare, o ecclesiastica. Ovviamente per fini commerciali ed economici: il nostro è un network commerciale. In che cosa consiste, nello specifico, la vostra mission? Un’azienda ci contatta perché pensa di non essere trattata correttamente dal proprio istituto di credito. Un nostro incaricato, sulla base di una serie di dati, forniti dall’azienda stessa, svolge una pre-analisi gratuita. Se la pre-analisi dà esito positivo, allora offriamo una perizia a pagamento, debitamente stimata e approntata, che il potenziale cliente può, tranquillamente, accogliere oppure rifiutare senza alcun impegno.

Per parte di chi, allora? Del sistema creditizio italiano. In che modo viene elaborata una perizia? Abbiamo realizzato software gestionali (per conti correnti, mutui, leasing, derivati, cartelle esattoriali, ecc…) che, dopo aver inserito i parametri aziendali, è in grado di realizzare un calcolo matematico algoritmico integrato e complesso. Un progetto nostro, molto utile. Una perizia serve per dare all’impresa la prova che le banche non si stanno comportando correttamente con lo scopo di trattare nuove condizioni, oppure di chiedere i doverosi rimborsi. Qualora le banche dinieghino, che cosa accade? Le imprese e i privati hanno due opzioni: o accettano di mediare e restituire il maltolto oppure si va in tribunale a far valere le proprie posizioni.

Un’ultima domanda, Avvocato Di Loreto. Banche e fisco iniqui a parte, Lei opera con successo anche in altri ambiti imprenditoriali: quali? Sono molteplici. Ho sempre considerato ogni problema un’opportunità. A Mantova, con la società ‘Ecoval’ di cui sono socio ho sviluppato un progetto con il patrocinio del comune di Mantova stesso e la cooperativa ‘Il Solco’ che ha consentito di avviare il risanamento dell’area cittadina dell’ex petrolchimico ‘IES’, salvando ben 20 posti di lavoro, e attivando una produzione in stile green, grazie alla coltivazione di una speciale radice che nel sottosuolo bonifica il terreno, mentre in superficie si sviluppa rapidamente come un alto canneto atto alla produzione di combustibile tipo pellet. Scopri ancora di piu dettagli a Serafino Di Loreto.

Ma la Banca d’Italia è un organo istituzionale serio, è normale che i giudici lo tengano in considerazione. Insomma: è serio ma di parte e dal nostro punto di vista in questa materia non è un organo imparziale. Come tutti sanno, infatti, la Banca d’Italia è una società privata (non è più un organo dello Stato Italiano) e la maggioranza della Banca d’Italia è di proprietà delle banche (e delle assicurazioni italiane). I soci di maggioranza sono ‘Intesa San Paolo’ e ‘Unicredit Banca’, etc…Che, da sole, ne detengono il 66%. Ritengo assolutamente non sia giusto che una realtà che ha come azionisti proprio le banche, si pronunci sulla correttezza dei tassi d’interesse applicati e che controllino le banche: questo è grave conflitto di interessi! Il controllante, dunque, è per la maggiore controllato dai controllati. Ma le pare possibile?