The Homeowner’s Bill of Rights

The Homeowner’s Bill of Rights

Homeowners Against Deficient Dwellings (“HADD”)(www.hadd.org) is a consumer protection group for homeowners and homebuyers that advocates on behalf of homeowners against defective construction. In their effort to protect homeowners the organization developed a Homeowner’s Bill of Rights that details what consumers should be able to expect from a builder or contractor. HADD also proposes legislation, such as a New Home Disclosure Act, a Home Lemon Act. It also sets standards for litigation, such as preventing confidentiality agreements in settlements and prohibition of arbitration.Construction defects attorney

The Homeowner’s Bill of Rights sets forth the expectations each homeowner should be entitled to from a builder and the protections they deserve from the government as consumers of new homes. The full Homeowner’s Bill of Rights includes a statement of rights and advocates for protective legislation. The following is a summary of HADD’s Homeowner’s Bill of Rights. To read the full Homeowner’s Bill of Rights, link to www.hadd.org.

Homeowners Against Deficient Dwellings Homeowner’s Bill of Rights

“When consumers buy a new home or contract for additions and/or remodeling of an existing home:

They have the right to safe and sound, quality construction.

They have the right to expect that their new home and/or any home improvements are built in compliance with all existing local, state, and federal building codes and ordinances.

They have the right to expect that only quality, performance-proven building products are used in their homes and that all such products are installed in accordance with manufacturers’ specifications.

They have the right to expect that the architect’s and engineer’s designs are completely and accurately followed.

They have the right to expect that the home will not leak or breed toxic mold(s), is structurally sound, and that all mechanical systems and structural components will perform properly.

They have the right to receive, in a timely manner prior to signing a sales contract and/or closing documents, complete information regarding their purchase contracts, warranties, disclosures of agencies, and any and all relationships and/or partnerships their real estate broker and/or builder may have with all agencies involved with the home buying process. This includes, but is not limited to: home inspectors, lenders, title companies, builders’/subcontractors’ insurance carriers, products’ manufacturers, realtors, and home warranty companies.

They have the right to access records, public and private, regarding performance and complaints pertaining to their builder, subcontractors, home warranty companies, lenders, manufacturers, realtors, title companies, insurance carriers, and any other entity associated with the home building/home buying process.mold damages

They have the right to full disclosures in regard to new housing.

They have the right to a trial conducted by their peers, rather than to be forced into contractual binding arbitration.

They have the right to peace of mind concerning the safety of their family.”

Conclusion

If you believe your home suffers from a construction defect, contact an attorney with experience in construction-defect litigation. Not every defect will warrant the time and expense of pursuing a claim, and often the time limits (statute of limitations) will prevent a homeowner from pursuing a claim. To protect your rights, contact an attorney who can help you evaluate how your state’s laws apply to the particular circumstances of your situation.

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Regular dentists Visits are crucial

Regular dentists Visits are crucial

Going to the Dentist Regularly is a Vital Aspect of a Healthy Lifestyle.Family Dental Care: Helping everyone. Most people know that it is important to take care of their teeth, but many people do not know how far-reaching the effects of your oral hygiene habits are.  For one thing, your oral health is directly related to your overall health, which means that if your mouth is not healthy, it is unlikely that the rest of your body will be. Dental check up
 Since your mouth is the means by which all nutrients enter your body, it is not hard to see why this is the case.  If your teeth are coated in bacteria, you are swallowing all that bacteria when you eat and drink.  This puts you at a higher risk for heart disease, diabetes, and a bunch of other common chronic conditions.  This means that going to the dentist regularly is a vital aspect of a healthy lifestyle.  Your dentist can let you know if your oral hygiene regimen is doing the trick or not.  If your regimen is lacking in some way, your dentist can tell you what you can do differently.  
Also, your dentist can let you know if you have any cavities or any signs of gingivitis.  These are both conditions that are common and easy to treat, but they can both get very out of hand if you do not treat them soon enough.  In extreme cases, you can even lose teeth to both cavities and gingivitis.  To make matters worse, you can even develop both conditions at the same time, since they both result from improper oral hygiene.  If your gums bleed when you brush your teeth, you may have the beginning stages of gingivitis.  Dentists recommend brushing your gums thoroughly to prevent the condition.  dental cleanings
Going to the dentist on a regular basis is not only a good idea for hygienic reasons.  Your dentist also keeps track of the alignment of your teeth.  Teeth can shift over time.  If your teeth are misaligned or are becoming misaligned, you should consider treatments that will shift them back.  Braces are one example of this sort of treatment.  Braces utilize very thin wires and metal brackets.  They have been used for quite awhile, though the techniques have become a little more advanced over the years.  Nonetheless, the basic premise has remained the same.  Though braces are one of the most effective treatments of tooth and jaw alignment issues, they are fairly inconvenient and uncomfortable.  Plus, many people are reluctant to get them because they are worried about how they look.  dental braces
The braces of today are less noticeable than the braces of the past.  They can still be uncomfortable, though.  Especially when they are adjusted, braces can leave your mouth feeling sore.  This is almost unavoidable, though, since your teeth need to be physically moved into the proper position.  This is an inherently uncomfortable process.  Nonetheless modern cosmetic dentistry has become quite advanced, so the discomfort is minimal.  Besides, it is far better to get the treatment you need than to allow your teeth to continue to shift out of place.

Getting help from my Orthodontist

Family Dental Care: Helping everyone.

I recently discovered that I have some kind of degenerative disease in my gums, and if I don’t deal with it quickly and swiftly, it is going to have an affect on my teeth in the near future. Teeth are something that you only have one set of, and it is really important to be sure to take care of them as much as possible. So that is why I was so surprised when my orthodontist told me that I am going to be facing this, because I have always taken very good care of my teeth my whole life.
From the time I was old enough, I always flossed and brushed, every morning and every night, and often somewhere else in the middle of the day. As an adult, I have always used mouth wash as well, because I know there are germs that aren’t removed from just the flossing and brushing alone. And I suppose that I was lucky because my teeth were always straight and I never had to worry about needing to get braces or anything else like that. So when the dentist referred me to the orthodontist, it was the first time I had ever been in to see on of those types of doctors. I wasn’t sure what the problem was, but I knew that my gums just weren’t as they used to be. They were more sensitive than before, and they seemed to bleed often when I would floss. I have never had my gums bleed when flossing before, so I decided I should probably make an appointment and go in to see the dentist.orthodontists

It was the dentist who decided that a specialist was necessary to check out my gums, and he made a referral for me to the orthodontist office. When I got in there he was very surprised that I was there to see him with such straight and clean teeth, but after he ran the tests he informed me that there was a disease in my gums that was not going to simply go away. All the prep work I have always done with my mouth was good because it kept me in the clear longer than I would have been otherwise, but it still didn’t prevent me from getting this gum disease that I am now having to deal with. It essentially just means that I need to rinse with a different mouth wash that is actually a prescription strength and filled with medicine that will kill the disease, and I also need to go in for more regularly scheduled dentist and orthodontist appointments than is usual for me, but this is okay as long as I’m not going to lose my teeth. If we can stop the gums from degenerating, then my teeth will be fine, or so I have been assured by the dentist. But I’m not as convinced and I’m still really worried about the health of my mouth and gums. I just want this to be over and to be back with healthy teeth.

Understanding Bankruptcy Laws

Understanding Bankruptcy Laws

Getting a 2nd mortgage loan or home equity loan after a bankruptcy is workable. However, loan applicants should be aware of certain disadvantages to bad credit loans. A bankruptcy is destructive to credit scores. In reality, many financial experts discourage bankruptcies. Those who file Chapter 7 or Chapter 13 are subjected to higher finance rates on homes, cars, etc. Before applying for a 2nd mortgage, know what to expect and understand the basics of getting a reasonable rate. Expect Higher Finance Fees or Interest Rates After a bankruptcy, many people are hesitant to apply for credit. They expect higher rates, which will also increase monthly payments. However, obtaining new credit accounts is crucial.bankruptcy law

Are You a Candidate for Bankruptcy?

Bankruptcy laws give debtors a way to resolve debt by dividing their assets among their various creditors and in some cases will allow debtors to be freed of outstanding debts that cannot be paid, even after the division of assets. For individuals who find themselves unable to pay their debts, bankruptcy can be a viable option. As a debtor, you are entitled to file for bankruptcy. There have been recent changes to bankruptcy laws that may affect your ability to discharge your debts without credit counseling, but individuals who have found themselves unable to pay their debts can still file bankruptcy and be freed of outstanding debts.

Chapter 7 bankruptcy is normally used by individuals wanting to rid themselves of all accumulated debt, and is the most frequently used method of filing bankruptcy. Businesses who wish to completely liquidate assets and close permanently can also file Chapter 7 bankruptcy. Under Chapter 7, individuals are allowed to keep certain property such as their home and perhaps their vehicle, but may still lose some property in the proceedings. During the course of the bankruptcy proceedings, the debtor’s assets are controlled by a trustee and will be divided among the various creditors as the trustee sees fit. After the bankruptcy has been discharged, control of any remaining property is placed back in the hands of the debtor and all outstanding debts will have been removed.

Chapter 13 bankruptcies are for individuals who wish to pay their debts but are unable to do so. Chapter 13 allows individuals to reorganize their debts and restructure payment arrangements so that debts may be repaid over time. Chapter 11 bankruptcies are used predominantly by businesses that wish to reorganize the repayment of outstanding debts and continue operating in a regular manner.2017-10-11_10-03-49

Filing bankruptcy can be a way out of debt for many people and businesses. You should consult with a debt relief organization and/or an attorney to find out if bankruptcy is an option in your particular situation.

Chapter Bankruptcy

If you are an affiliate looking for a niche market, here’s an important piece of information to make note of: In 2005 there were over 2 million personal bankruptcy filings in the United States. Many of these individuals will be looking to rebuild their credit and financial future. This spells opportunity for you as an affiliate. You see, here are just a few products and services that an individual with past bankruptcy will need in order to rebuild their credit and financial future: 1) Credit repair 2) Loans 3) Credit cards Let’s take a look at each one in more detail, and how you can help as an affiliate: 1) Credit
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If you have filed bankruptcy recently, you may wonder if you can get approved for a home loan. You may also wonder if buying a home after a recent bankruptcy is a good idea for you. While a bankruptcy can make getting approved for a mortgage loan more difficult, it is still possible to get approved for a mortgage loan. In fact, there are more and more bad credit loan programs coming out all the time. Subprime lenders are focusing more on helping individuals with poor credit acheive home ownership. This is happening mostly because bankruptcies are still on the rise and there is an increasing number of people with