thank god for good lawyers

CBC news reported that a 26 year old cancer patient was denied long-term disability payments despite having disability insurance through her employer’s group plan. The reason: her cancer was a pre-existing condition.

Following the headline, they interviewed a lawyer who pointed out there were many nasty little secrets hidden in the fine print of insurance contracts that routinely allowed insurance companies to avoid payment.

Caveat Emptor – buyer beware. Even though there is no chance of a person untrained in law in understanding the agreement, you are supposed to read and know everything before signing.

This reminded me of a recent attempt to download something onto my iPhone when it was interrupted by a message that said the terms and conditions had been changed and to click to see the changes. I clicked and then a 66 page agreement came up – you could agree or disagree.

How many people will read this? Is this not a marketing tool to gain a legal disclaimer that bets people will not likely to take the time to read or understand complex legal documents?

There was a judge that once said in a ruling something like, “God bless anyone who could understand an English mortgage.”

Lawyers flourish in a credit society. We moved away from the clarity of cash when we began to make promises to be fulfilled sometime in the future about money rather than complete the purchase today with cash and no strings attached.

Two sides of the debtor-creditor relationship make promises. The conditions get very complicated even in the most simple credit contracts, which are rarely read or understood.

One of the more complicated elements to a credit contract is ownership. Who owns the merchandise until it is paid off? The next questions: “What happens if the debtor defaults? What happens if the creditor or merchant breaches a promise or condition of the contract?”

Many people are shocked like the above-mentioned cancer patient when their claim is denied or the car is repossessed or the house is foreclosed. They are only told the reason after some awful crisis happens like a health problem, unemployment or unforeseen event. The search then begins for a good lawyer.

Governments legislate which means they write and pass laws. Parliament is part of a constitutional framework that gives legal powers and duties to elected federal, provincial and municipal authorities to govern in a democracy. Lawyers are essential to modern day governments as much as they are to a legal system that enforces the rights of governments, businesses, citizens, creditors and debtors.

Lawyers defend and prosecute. They help the disenfranchised and vulnerable. They also have acquired a mixed reputation. Many of today’s injustices have been righted through the very legal system that created them.

Charles Dickens observed, long before the era of social justice and credit contracts, “If there were no bad people there would be no good lawyers.”

This is why I say thank God for good lawyers. We need them more than ever.

For more information on debtor's rights and common credit mysteries, go to DebtCanada.ca - your credit education specialists.

Remember, if you are experiencing financial difficulties do not wait. Call Solutions Credit Counselling at 1(877)588-9491 or fill out our Debt Consolidation Questionnaire and get your Free Credit Counselling Advice today.

For more information visit Debt Canada - your Canadian credit education centre.

If you are a woman in debt, speak with Women and Money first. We specialize in helping women with their personal and business financeMoney management advice you can count on!


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