Open post
cruising, ocean, big boat

What to be Wary of When in a Cruise Ship

You should be having the best time of your life when you are sailing a cruise ship through the most scenic places in the world. Why not? You have waited for a long time. You have spent overtime in your work to save for this most beautiful experience. But be careful, the following can be antagonists that can spoil your one-of-a-lifetime vacation.

Be Careful of What You Take In

shrimps, rice, foodWatch your mouth; those sumptuous foods can be the spoiler of what should be a great a week in the ocean. Cruise ships are known to have the best cuisines with various culinary orientations. From Oriental to European and Latin-American cuisine, it is best to stick to what you have been used to if you have such a delicate tummy. You should ask about the ingredients which should give you an inkling of the taste. This will save you money if extra hot food is not your thing. You might also have allergies on some food such as seafood like many of us. And this is not the place where you can disobey your doctor about foods that you should not take in.

Of course, you won’t like to be spending the rest of the time with stomach trouble or worse diarrhea, or you have all these itchy outbursts in your skin because of allergy; or your blood pressure has gone up to astronomical levels.

Be Cautious of Slips and Falls

Slips and falls can be caused by damaged floorings, unrepaired stair or deck railings. You may also fall or slip because of poorly maintained public areas or due to poor lighting. By not being careful, you may be left behind in your cabin due to broken bones or open wounds. You will be missing out on the many exciting activities during your cruise.

You are still lucky if your trauma will last only for the entire cruise vacation. But what if it lasts for months or even longer and that it will have a adverse effect on your career or your life as a whole? You may want to more about this unfortunate scenario by clicking on Vucci Law Group.

Stay Away from Roughnecks

people, ship, oceanYou will meet all kinds of people during your cruise. There will always be mean persons who will definitely ruin your vacation. Much more, do not let yourself be a victim of harassment and bullying. It happens in social places within the ship; in the bar, the swimming pool, or even along the hallways. If it happens, you should speak out so nobody else will experience it and others roughnecks will be discouraged to do the same.

Safeguard Your Belongings

Losing a cherished possession will destroy one’s mood that may even last for the longest time. Lock your cabin before leaving and be careful not to leave your handbag anywhere else. There is a slot machine in the vicinity for anyone to drop your money almost immediately. And for sure, no one in the cruise ship will dive into the deep blue sea if you accidentally drop your precious wedding ring into the water.

And lastly, be on guard for any incident that may happen. It may be safe to say that everybody loves the story of Rose and Jack in the movie Titanic. But for sure nobody would like to have the same fate as them. Always keep safe.…

Open post
scales of justice

Lender Liability Claims – Why You Should Take a Lender to Court

For some time, lenders were the only ones that had the liberty to sue borrowers for breach of a loan agreement. What if your inability to honor the agreement can be blamed on the lender? Well, you do not have to suffer anymore when you are convinced that the lender is to blame. Ideally, the lender liability law serves to protect borrowers from unfair treatment or breach of contract from the lender’s part. That said, here are possible reasons to sue your lender.

Failure to renew a loan

bankrupt tiles

Lenders have been notorious for renewing short-term notes. As such, they impose the changes to the borrowers and force borrowers to sign additional personal guarantees. Ideally, this often happens when the borrower has limited options for securing alternative finances. Based on the principle of good faith, it is unacceptable for a lender to decide not to award the loan in the 11th hour or demand additional collateral.

Improper default notices

Commercial loan documents tend to be quite bulky, which makes it almost impossible for a borrower to pick up every detail shared there. To make matter worse, the clauses in this document are often in the lender’s favor. Unfortunately, some lenders tend to rely on negotiated technical details as a way of acquiring the portfolio of their customers. The good thing is that courts can easily distinguish between payment and technical defaults.

Improper acceleration

Every loan document has an acceleration clause. Ideally, the essence of having these provisions on the policy documents is to allow the lender accelerate amounts due under the loan. Ideally, the entire balance often becomes due instead of the missed payment. Most borrowers are usually well aware of this provision. However, some loans have some grace period. Thus, defaults in loans with some default can give you considerable leverage when filing for a lender bad faith claim.

Improper foreclosures

foreclosure stressThe number of foreclosure cases is always on the rise. The good thing is that you can always file a claim against wrongful foreclosure. Ideally, the wrongful foreclosure case law looks at things like improper standing, pre-foreclosure conduct, lenders foreclosure conduct, and lenders conduct in the origination and underwriting process.

If you are convinced that your lender acted in bad faith in initiating a foreclosure, you need the services of a lender bad faith lawyer. These professional have the experience needed to get a fair ruling against a bad faith lender.

 …

Scroll to top