Meggesto, Crossett & Valerino, LLP

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Posted by: In: Real Estate 05 Sep 2014 Comments: 0

Problems at Closing

The closing is scheduled.  Finally, there is a light at the end of the tunnel.  If you are selling your home then this means that you are likely in the process of packing up all of your junk belongings that have accumulated over the years.  If you are buying a home then you have survived jumping through all of the hoops to ensure you have the funds present on the big day. 

By the time the closing day arrives then any issues regarding the home or title of the home should have been addressed long ago so that the only thing left to do is sign your life away if you are the buyer or collect your proceeds if you are the selling party.  Most closings do indeed function this way.  However, very often an issue arises that needs to be addressed at the actual closing. 

Generally, the problems that arise at the closing involve issues with the actual house (i.e. broken window, lawn not mowed, rug stain, etc.).  These problems are things that arose after or were not addressed by the home inspection and are usually found at the time of the final walkthrough.  On a side note, buyers should always schedule their final walkthrough as close to the actual closing as possible to avoid any surprises.

Any issues that are discovered after the home inspection should be disclosed to your attorney immediately.  The last thing that any of the parties involved in the transaction want is to be surprised by issues at the closing.  The more time in advance the issues are known and disclosed to all parties, the more time there is to come up with a solution that all the parties can agree to. 

A common solution to deal with a problem at closing may be for the buyer to hold back a portion of the proceeds in escrow until the problem is resolved.  For instance, if an electrical problem is disclosed by the seller at the final walk through, it may be reasonable for the buyer to hold back some money until it is determined exactly what the electrical problem is and get an estimate for how much it will cost to fix the problem. 

Many, many issues can arise near closing, the most important thing that you can do, especially as a buyer, is alert your attorney as soon as the issue is known so that it can be addressed immediately.  Once the buyer signs the papers, fixing the problem can become exponentially both time consuming and expensive

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Christopher Stringham

 

Email: cstringham@mcvlaw.com

Phone: 315-471-1664

Christopher Stringham graduated from Western New England College School of Law in 2010 and was admitted to the New York State Bar as well as the United States District Court, Northern District of New York in 2011. He is a member of the New York State Bar Association, Onondaga County Bar Association, and the Injured Workers’ Bar Association of New York. He has been a member of Meggesto, Crossett & Valerino, LLP since October 2010.

Posted by: In: Traffic 13 Aug 2014 Comments: 0

What should I do if I have been in a motor vehicle accident and I have suffered an injury?

You must notify your insurance company that you have been in an accident as soon as possible. Personal injury protection, also known as No-Fault, is mandatory on every insured vehicle in New York State. No-Fault provides you with lost wage and medical payments, with certain limitations, up to $50,000 regardless of who is at fault for the accident. More coverage may be available if you purchased additional No-Fault coverage beyond the statutory minimum of $50,000.

A No-Fault application will be sent to you after you notify your insurance company of the motor vehicle accident. It is important to note that most insurance companies generally require you to fill out a no-fault application within 30 days from the date of the accident or the insurance company may deny coverage. If you do not have the application within 30 days, it is recommended that you write to your insurance company regarding the details of the accident and submit a copy of the police accident report.

If you were a passenger in another person’s vehicle, you apply for No-Fault benefits from the insurer of the auto in which you were riding. Also, your No-Fault benefits would come from the vehicle that struck you if you were a pedestrian or bicyclist. If you do not know the name of the insurance company, obtain a copy of the police report, and the insurance code on the report will give you the proper name. 

It is important to remember that No-Fault does not reimburse you for pain and suffering or any permanent disability as a result of your motor vehicle accident. In order to make a claim against another driver for damages beyond No-Fault, you will need to prove that you have met the serious injury threshold. If you believe that you are entitled to damages beyond No-Fault, it is strongly recommended that you consult with an attorney.

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Heather La Dieu

Email: hladieu@mcvlaw.com

Phone: 315-471-1664

 

Heather R. La Dieu has been an associate in Meggesto, Crossett & Valerino, LLP’s Litigation Department since 2001.  Ms. La Dieu focuses her practice primarily in personal injury cases involving motor vehicle accidents, premises liability, construction accidents, municipal liability, wrongful death and products liability.  Ms. La Dieu also practices in the area of insurance law, contract law and criminal defense.

Ms. La Dieu is a graduate of Syracuse University where she earned her B.S. in Chemical Engineering and received her J.D. at Syracuse University College of Law.

Ms. La Dieu is admitted to the New York State Bar, the U.S. District Court for the Northern District and the Supreme Court of the United States of America.  Ms. La Dieu is a member of the Onondaga County Bar Association, New York Bar Association and Central New York State Women’s Bar Association.  Ms. La Dieu also has arbitrated for the Syracuse City Court Arbitration Program.

Posted by: In: Social Security 30 Jul 2014 Comments: 0

I was asked this question recently by an individual who took early Social Security in the middle of last year, but also received a small pension from a prior employer. He was afraid that his earnings for 2013 plus the pension would put him over the income limits for Social Security.

If you are younger than full retirement age, there is a limit as to how much you can earn and still receive your Social Security benefits.

The question here is whether the pension counts as “income” for Social Security purposes. The pension does not count as income for Social Security earnings limits. There is an exception for pensions based upon earnings that are not covered by Social Security, which can affect the amount of your benefit. 

Also, there is a special rule for individuals who retire in the middle of a year and have already earned more than the annual earnings limit. Under this rule, you can receive your full Social Security check for any whole month you are retired, notwithstanding your earnings up to the date you retire. If you work after retiring, the earnings tests apply. 

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Kimberly Slimbaugh
Partner

 

Email: kslimbaugh@mcvlaw.com

Phone: 315-471-1664

Kimberly Slimbaugh has been practicing law since 1992 and is a current partner at Meggesto, Crossett & Valerino, LLP.  In addition to the New York State Bar, she was admitted to the Massachusetts State Bar in 1992.  She is a member of the National Association of Social Security Representatives and regularly attends its national conferences.

State of New York Commission on Quality Care and Advocacy for Persons with Disabilities, Surrogate Decision-Making Committee Panel.

While the New York Workers Compensation Law requires prompt medical treatment, injured workers often find their medical treatment anything but prompt. In the last few years the New York Workers Compensation Board implemented rules and regulations supposedly aimed at improving the process, however these rules have only made the process more difficult.

In the greater Syracuse area, where Meggesto, Crossett & Valerino, LLP concentrates its practice, most family practice doctors have declined to treat injured workers, even if they are long standing patients. The doctors primarily complain of cumbersome reporting requirements, insufficient payment, and the lack of respect given to doctors within the Workers’ Compensation system.

Despite the difficulty in obtaining treatment, injured workers are still required to provide medical evidence of their injury, including the treatment they require, their degree of disability, and their doctors’ recommendations. Traditionally, the Workers’ Compensation Board required medical providers to report injuries on a form know as a C-4. The medical provider was supposed to file this form with the Workers’ Compensation Board within 48 hours of treatment and then follow-up with another C-4 after the next visit. Generally, reports were required to be filed every 30-45 days thereafter.

However, the Workers Compensation Board recently updated the forms they require of doctors to a “family of C-4’s.”  Now, not only are doctors still required to file the initial C-4, but they are now required to file a C-4.2 for each visit until permanency. At permanency, doctors are required to report their findings on a form called the C-4.3. And the forms went from one page to four pages!

In addition to requiring more forms, the Workers’ Compensation Board issued new Medical Treatment Guidelines in 2010, which set forth requirements for doctors to follow when treating injured workers. Of course, the guidelines require doctors to file certain forms before performing particular types of treatment. And, if a certain treatment falls outside the guidelines, the doctor is required to file a Variance in order to obtain authorization for such treatment. 

At Meggesto Crossett and Valerino, LLP we understand the problems injured workers have finding medical treatment, obtaining permission and fighting variance denials. Our staff and attorneys understand the forms and the guidelines, and know what it takes to get a Variance granted. We also recommend that you discuss your medical needs with an attorney and be sure you have a strategy that will allow you to get the medical treatment you need to recover.

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William W. Crossett, IV
Partner

Email: crossett@mcvlaw.com

Phone: 315-471-1664

Mr. Crossett concentrates his practice in the representation of Injured Workers. Since 1982, he has regularly appeared before the Workers’ Compensation Board and the Courts of New York. As an advocate for the Injured Worker, he has testified before the New York State Senate and has presented many Continuing Legal Education programs. Presently, Mr. Crossett serves as President of the Injured Workers Bar Association of New York and is an active member of Workers Compensation Law Division of the New York State Bar Association. Read more In 2012, he was inducted as a fellow in the College of Workers Compensation Lawyers. Mr. Crossett practices throughout Central New York with an office in Syracuse.

 

Posted by: In: General 27 Jun 2014 Comments: 0

Federal prosecutors will typically require an individual to make a “proffer” of any information he or she will provide in exchange for leniency.  Any statements made during plea negotiations with the government are generally inadmissible under Federal Rules of Evidence 4101 and Federal Rules of Criminal Procedure 11(f)2.  

However, the reality is that any statements offered to the government are usually governed by a proffer agreement and typically are not complete immunity agreements.  Most proffer agreements contain language that will allow the government to impeach you with your statement if your subsequent testimony is inconsistent with your proffered statement.  Moreover, the government can use the information you gave to conduct further investigations and the information obtained as a result of those investigations may be used against you in other charges.

Therefore, due to the limited protection available, great consideration should be given prior to speaking with prosecutors.  It is highly recommended that you consult with a lawyer prior to making any statements to the government.

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Heather La Dieu

Email: hladieu@mcvlaw.com

Phone: 315-471-1664

 

Heather R. La Dieu has been an associate in Meggesto, Crossett & Valerino, LLP’s Litigation Department since 2001.  Ms. La Dieu focuses her practice primarily in personal injury cases involving motor vehicle accidents, premises liability, construction accidents, municipal liability, wrongful death and products liability.  Ms. La Dieu also practices in the area of insurance law, contract law and criminal defense.

Ms. La Dieu is a graduate of Syracuse University where she earned her B.S. in Chemical Engineering and received her J.D. at Syracuse University College of Law.

Ms. La Dieu is admitted to the New York State Bar, the U.S. District Court for the Northern District and the Supreme Court of the United States of America.  Ms. La Dieu is a member of the Onondaga County Bar Association, New York Bar Association and Central New York State Women’s Bar Association.  Ms. La Dieu also has arbitrated for the Syracuse City Court Arbitration Program.

Posted by: In: Real Estate 11 Jun 2014 Comments: 0

When a new real estate purchase contract shows up on my desk I review it for approval and take note of some important dates that are found in the contract. These include when the contract needs to be approved by, when the home inspection and any other tests need to be completed by, when the buyer needs his/her/their mortgage commitment letter by, and finally, when the all-important closing is supposed to take place.

Generally, depending on any number of circumstances (type of financing, other contingencies, etc.) the closing date gets set a month or a month and a half after the contract date. In my experience all the parties involved in the transaction (buyers, sellers, realtors, attorneys) try their best to get everything set to close as close to the contract date as possible. However, inevitably some unforeseen circumstance or problem arises that makes scheduling the closing for the contract date impossible.  

What most people do not realize is that most residential real estate contracts call for a closing “on or about” a certain date. This means that the closing does not have to be scheduled on the exact closing date found in the contract. Rather, it gives a time frame that usually means 10-15 days on either side of the date listed. This is done so that if a problem arises or if the buyers have not been cleared to close by their lender, then all of the parties have some flexibility. The other type of closing date that can be set is called a “time of the essence” clause. This means that the closing must take place on or before the specific date set in the contract. These types of clauses are not generally found in residential real estate contracts as the default contract is “on or about.”

Here are a few helpful reminders when entering into a real estate transaction and setting a closing date: 

Don’t schedule the movers too far in advance

Don’t schedule a vacation too close to the closing date

Be flexible

When buying or selling a home, you need to have a little flexibility when it comes to scheduling the closing.  Remember, everyone is generally trying to reach the same goal in a real estate transaction, but issues arise and the closing date may need to be moved. If you factor in a little flexibility then everything should go a lot smoother.

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Christopher Stringham

 

Email: cstringham@mcvlaw.com

Phone: 315-471-1664

Christopher Stringham graduated from Western New England College School of Law in 2010 and was admitted to the New York State Bar as well as the United States District Court, Northern District of New York in 2011. He is a member of the New York State Bar Association, Onondaga County Bar Association, and the Injured Workers’ Bar Association of New York. He has been a member of Meggesto, Crossett & Valerino, LLP since October 2010.

In the last few months, the attorneys at Meggesto, Crossett & Valerino, LLP have noticed that more injured workers are arriving at our office with multiple forms that they have received. Some of the forms are sent directly by the New York State Workers’ Compensation Board to the injured worker, while others are sent from employers and insurance companies. Some of the forms have come from the Workers’ Compensation Board web site.

I am sure that most injured workers fill out the forms  hoping that doing so will speed up the process and move their case along. While this may be true, it is important to understand the questions asked on the forms and the impact the answers may have on your case. 

The most important form completed by an injured worker is the Employee Claim form, also know as the C-3. The C-3 is the equivalent of a Complaint in a civil action in New York Supreme Court. This form carries high significance within the Workers’ Compensation system and care must be taken when completing this form. Completing this form hastily often leads to problems later on in a case.

An important point to consider when completing this form is that, when a Judge or attorney review the C-3 form, they assume it was completed by a thoughtful, rational person who understands the questions and the consequences of the answers. They are not reading the form from the mindset of an injured worker who is quickly scribbling answers while in pain and waiting for medical care. They are also not reading the form from the point of view of an angry injured worker answering questions late at night because they are mad that they did not receive their check!

The most common area that an injured worker gets into trouble when completing this form is the question pertaining to any prior injuries. The question on the C-3 form asks whether the injured worker remembers a  prior injury to the same body site. Surprisingly, many people make a crucial mistake answering this question, because, they either do not recall a past injury, they think it was to a slightly different body part, or they are afraid that answering yes will somehow hurt their case.

A forgetful answer, a mistake, and, of course, a false answer can lead to a determination that an injured worker has violated the fraud provisions of Section 114-a of the Workers’ Compensation Law. A violation of this provision is likely to cost you all money benefits, both past and future. At Meggesto, Crossett and Valerino, LLP we recommend that you err on the side of caution and that you speak with an attorney before completing the C-3 form in order to protect your right to Workers’ Compensation benefits.

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William W. Crossett, IV
Partner

Email: crossett@mcvlaw.com

Phone: 315-471-1664

Mr. Crossett concentrates his practice in the representation of Injured Workers. Since 1982, he has regularly appeared before the Workers’ Compensation Board and the Courts of New York. As an advocate for the Injured Worker, he has testified before the New York State Senate and has presented many Continuing Legal Education programs. Presently, Mr. Crossett serves as President of the Injured Workers Bar Association of New York and is an active member of Workers Compensation Law Division of the New York State Bar Association. Read more In 2012, he was inducted as a fellow in the College of Workers Compensation Lawyers. Mr. Crossett practices throughout Central New York with an office in Syracuse.