What You Need to Know About California Collection Laws

Navigating through debt collection law in California can be tricky. There are a lot of moving parts inside of pertinent legislation that can be hard to keep up with. However, no matter your situation, there are a few important factors to keep in mind as you work through the collections process.

The primary collection law in California is the California Fair Debt Collection Practices Act. This mandates that debt collectors and creditors are required to treat people due for collections in a fair manner. They are not allowed to be deceptive, unfair, or engage in an abusive manner when it comes to debt collection so the process can be fair for both sides.

As per the Act, all entities, including the agencies collecting debt, are regulated. This means anyone contacting you to pay off bills or dies should be in full compliance with the Act. It also means a number of other entities,such as the attorneys involved in debt collection activities, and the companies who actually make debt collection tools, should be in compliance with the Act. Do not let anyone try to manipulate you into thinking they do not have to be in compliance with the Act. California laws are strict when it comes to debt collection.

However, it is important to note debt collectors in the state are not mandated to have a license, since agencies underwent deregulation in the 1980s. These collectors are not even required to have a local business license to start and continue operations.

Debt collectors are under limits on how much they can communicate with debtors. They are not allowed to use profane language, must disclose their information, and are not allowed to call repeatedly or harass you with calls while you are busy on the phone. Additionally, they are not allowed to lie to you in a manner that causes you to spend more money than you needed to, like if they try to get you to call a long-distance number for an extra charge.

Debt collectors in California must protect the privacy of all debtors, as per the law. Regulations say they are allowed to send debt reports to a credit reporting agency, but they are very limited in the other information they can give out. Envelopes from collectors can not have any details about debt on the outside, and the law says debt collectors are not allowed to publish your information in a public setting if you do not pay.

California collection laws gives debtors a lot of protection and options if a agency breaks they law. If a collector breaks the Act, you can file a complaint with the state attorney general, sue the debt collector in court, or get in touch with federal authorities who are in charge of enforcement of debt collection laws.

Overall, the best way to stay out of the way of debt collectors is to pay your debts on time and in full. While legislation in California does provide protections against predatory debtors and ones who are abusive, you are still required to pay off debts, and these agencies can be very persistent when it comes to getting their money.

Be sure to clear your debts as quickly as possible so you do not have to deal with the debt collectors and subject yourself to worry and stress about their tactics and methods.

Click here to learn why the date of separation is important!

If you do engage with a collector, be sure to study relevant laws so you understand what collection agencies are and are not allowed to do as they engage with you. Don’t be afraid to report a debt collector if they break the law.

Do you have a question about collection laws in California? Click here to contact Von Esch Law today!

Courtesy of Cuselleration

Featured Image

This is How Domestic Violence Affects Child Custody in California

Domestic abuse is a serious crime that can take a variety of different forms through physical, mental, emotional, and even economic control. No matter its form, scars are always unfortunately left on the victims, and courts and juries take these facts into mind when they are deciding on a verdict in a domestic violence case.

Domestic violence organizations are numerous in California and have a lot of resources for those looking for assistance. The state government also has resources available for people who are looking for shelters and counseling services.

In regard to child custody and domestic violence, the legal system in California is going to focus on keeping the child’s health and safety secure. Courts are mandated to keep this idea in mind when making decisions and judges are also required to keep the safety and security of a child when they make a decision.

When it comes to domestic violence and custody, it is important to note the different types of custody. It can be solely awarded to one parent or jointly shared. Legal custody gives parents the ability to makes decisions for a child. Physical custody actually gives parents the ability to live with their child and give them basic care, such as bathing and feeding.

Judges are required to make a custody decision in a domestic violence case that serves the child first. They will consider any history of abuse by a parent to the child, the other parent, a friend, roommate, or any other child that might have some sort of relation.

As a result, juries and judges will consider any evidence of abuse that backs up accusations. This could include law enforcement reports, notes from child protective services, insights from social agents, and details from doctors and other medical providers. They can also speak with other nonprofit agencies to get information.

If an abusive parent has committed domestic violence in the last five years against the other parent, child or the child’s siblings, it is up to the court to decide if the perpetrator should be allowed to take custody of the child.

Click here to learn 6 reasons why a parent may lose custody of a child!

This might occur if the perpetrator has complied with parole requirements, have taken counseling, and has provided proof that taking custody of the child would be in his or her best interest.

Overall, judges are asked to grant reasonable rights to visitation unless it is not in the best interest of a child. If there is a risk, the court can mandate supervised visitation to protect a child against risk of abuse.

This could include the addition of a third party to supervise visits, or even a ban on overnight visits to protect a child’s safety. Visitation with these types of conditions often occurs if some sort of protective order has been issued.

If there is an emergency protective order in place, a temporary custody can be established to help a child victim become safe. Here, judges are asked to not make a permanent custody order that is different than the temporary award of custody.

If there are any concerns about a child’s safety when it comes to custody arrangements, a judge can take whatever actions that are needed in order to keep the child safe until investigations can be carried out and completed. This could include the termination of a parent’s custody rights if needed.

Do you have a question about domestic abuse and custody in California? Click here to contact Von Esch Law today!

Courtesy of Cuselleration

Featured Image

This is Why the Date of Separation is Important in California

Most people might not think it really matters when they separate from their spouse. However, the date of separation can play a big role in divorce proceedings, particularly when it comes to finances.

Officially, a date of separation is when a spouse decides they do not want to continue with a marriage. Separation comes into play when a couple starts breaking up financially. It does not technically occur when someone decides to move out of a house or apartment, or if a couple gets into a fight or argument. Dates of separation come into play when a couple decides their issues are too big and cannot be fixed or repaired, which means the marriage is significantly damaged.

Courts in California usually look at a couple’s living situation to see of they are actually separated. They will look to see if spouses are still living together, if they tell family and friends if they are together (or not), and if they maintain some sort of joint financial status, like filing joint tax returns. They will also see if a spouse has other relationships or partnerships to see if a couple has a clean break in their relationships with each other across all lines.

Cases get complicated when people list different dates of separation. This usually occurs when a couple splits up, but then reconciles and gets back together, only to split a second time. This becomes difficult because courts have to decide if there are two dates of separation, or if there was really just one.

This is a big deal when it comes to separate and community property because courts have to figure out if items bought, like a car, during a separated period should be seen as community property, or something that is separate.

Dates of separation are used in California to classify marriages as long or short term. The difference could mean a lot of money when it comes to spousal support, since long-term marriages in the state mean support can last until death or remarriage of the other party. In short term marriages, spousal support is usually just mandated for half of the total marriage time. This is a big difference, which is why the specific date of separation can be a big one.

Click here to learn 5 things about spousal support!

Those in California who are in the middle of a divorce settlement or process would be smart to enlist the help of a qualified attorney to help you decide when the actual date of separation should be. This will help classify the marriage as long or short term, which can make it a lot easier to figure out spousal support and what to do about other assets. It will also help you and your attorney figure out what items you own should be seen as separate, and if anything should be characterized as a community asset.

An experienced family law attorney will help you navigate through a divorce settlement and give you advice about what to expect in California courts. If needed, they can help you gather evidence to build a case for your side and represent you in court in a professional and expert manner. It is not smart to try to go through a divorce proceeding on your own since the legal rules and stipulations can be very confusing, making the potential for mistakes very high.

Do you have a question about separation in California? Click here to contact Von Esch Law today!

Courtesy of Cuselleration

Featured Image

What You Need to Know About Fraud in California

Fraud is something that can get anyone tangled up. Most fraud cases do not come at the hands of random people or strangers, but occur through someone who was trusted and then got swindled. This is a big issue because people who are victims can quickly become embarrassed and unwilling to share what happened to the proper authorities.

Across many jurisdictions, fraud is both a criminal and civil matter, even though fraud has a narrow legal definition. In California, there are activities that seem like they constitute as fraud, but are not seen as such in a court of law.

There are a few different categories of fraud. These include a deliberate misrepresentation of a fact that was knowingly false, especially if an individual believed that fact to be true.

Another is the deliberate hiding of a fact by a fiduciary, or the negligent misrepresentation of one, that a victim relied on and was harmed as a result.

These definitions can be a bit vague, but the important fact about fraud is that it takes place when another party betrays the trust of someone. Fraud can also take place amid complex transactions, making it even harder for people to pick up on.

One of the best ways to catch fraud is to simply keep detailed records, especially with your financial transactions. Holding onto receipts, bank statements, and any other financial records makes it a lot easier for an experienced professional to get a grip on fraudulent activity and take the proper steps to remedy an issue.

Click here to learn why you should have a lawyer review your contracts!

Always make sure to have a clear grasp of any terminology in a contract before signing, especially if it has to do with a large sum of money. Many people get tricked through deceptive or confusing language. Do not hesitate to enlist the advice of our experienced attorneys to look over an agreement or deal before you sign.

Another way to cut down on risks of fraud is to simply make sure you deal with the right people. Check out reviews and recommendations before engaging with a business, and make sure they have proper licensing as it pertains to California law.

The legal system in California gives people a few options if they have been defrauded, as most of the recovery from such a case will come in the form of damages.

The most common measure is the “out of pocket” rule in California. This makes sure people get compensated in a fraud case for the money they actually lost.

Another one is called the “benefit of the bargain” rule, which gives people the difference in what they thought they would get minus what was actually received. It is important to note that debt is not able to be discharged during bankruptcy for instances of fraud. People who have committed fraud are mandated to pay back their debts, even if they go into bankruptcy.

If you feel like a victim of fraud, be sure to talk to our legal experts for your case. Our attorneys will be able to review and give you advice in the pleading stage of your case.

Do you have a question about fraud in California? Click here to contact Von Esch Law today!

Courtesy of Cuselleration

Featured Image

6 Reasons a Parent May Lose Custody of a Child

There are a number of reasons a parent might lose custody of a child. Some might be pretty obvious, while others may be a bit more surprising. In general, a parent will lose custody of a child in cases of abuse, neglect, or other findings related to domestic violence.

Here are six different reasons a parent might lose custody of a child.

Abuse: One of the most common reasons a parent loses custody is due to abuse. There are a variety of types of abuse. One is physical, which can lead to burns, wounds, and scars. Often, abusers will use their hands or other objects to cause injury to a child.

No matter the jurisdiction, the law is very clear. Abuse that is reported to the proper authorities is a legitimate reason for a parent to lose custody. Oftentimes, parents who have been convicted of child abuse can lose both physical and legal custody of children and might have their parenting time severely limited, or even cut off entirely.

Click here to learn facts about child custody agreements!

Abduction: Those who choose to abduct a child can also lose custody depending on the case and where the crime took place. Some parents who choose to abduct their children can lose legal or physical custody of them depending on the circumstances.

False Allegations: Even though abuse is a well-known way to lose custody of a child, false allegations of abuse can also lead to a loss of custody. A parent that knowingly lies about allegations of physical or sexual abuse can lose custody, depending on how serious the allegations are.

This is a serious issue because the law is very clear on punishing people who try to interfere with the other parent’s lawful contact with their children by making allegations of abuse. Courts have no problem taking custody away from a parent that makes false allegations to protect the health and safety of the children involved.

Neglect: Neglect is another reason a parent might lose custody. This type of abuse centralizes around a failure to act where a child might not be getting the food and care he or she needs. Parents can lose custody by neglecting their children if a court finds the child was endangered in any way, especially if the neglect is ongoing. However, neglect can be hard to prove since it can be difficult to pick up on unless someone regularly sees the children.

Domestic Violence: Domestic violence can lead to a parent losing custody of a child if the court finds it appropriate. This topic is pertinent because it usually comes up in a family law case where questions about abuse and neglect of a child are already present.

Violation Of Custody Orders: Violating orders related to the custody of children can also be a way to lose further custody, depending on the actual mechanics of the case. Violations of these types of orders can be very mundane, like being late for an exchange, to something more willful, like making a decision without talking to the other partner.

Do you have a question about child custody in California? Click here to contact Von Esch Law today!

Courtesy of Cuselleration

Featured Image

Facts About the Right to Repair Act

You probably hear a lot about ‘damages’ when it comes to attorneys and litigation. But what do damages really mean? There are two types of damages, actual and economic. Actual damages encompass physical injuries and property damage, while economic damages centralize around the cost of a repair that did not encompass a physical injury or lead to property damage.

A good example to think about both has to do with construction. Actual damages would consist of things like a bad roof that leads to water damage, or even a collapse that injures someone inside of the building. Economic damages would have to do with the actual cost of repairing or replacing the bad roof, aside form any other property damage or injury claims.

Background

In 1998, the California Supreme Court said economic damages from construction defects are not able to be recovered in instances of negligence or strict liability. They made this ruling in Aas vs. Superior Court.

In response, the Right to Repair Act came into effect. The Act says homeowners in newly constructed housing can sue for economic damages if the residence did not meet certain construction standards.

The Act came into existence thanks to the work of legislators in California through SB 800. The intention of SB 800 was to mitigate the effects of the Aas decision.

Here’s a few facts about the Right to Repair Act to keep in mind.

It applies to all claims relating to construction defects

Homeowners also have the ability to file a claims related to personal injury, breach of contract, strict liability, and fraud, without having to adhere to the pre litigation stipulations spelled out in the Act.

It now covers more than just economic loss

A California Supreme Court Case in 2018 said the Act can now cover cases relating to property damage that arise out of defects related to construction.

Click here to learn about financial fraud laws in California!

It is now the exclusive way to recover property damages that are related to construction defects

However, personal injury damages are still outside the scope of the Act and are not listed as a recoverable category.

Homeowners must still comply with the pre litigation procedures spelled out in the Act even if their construction defect is not specifically listed in the Act

The California Supreme Court, when taking on this question, said homeowners are not able to bypass the pre litigation procedures because the Act has a ‘catchall standard’ in addition to the specific construction standards that were listed.

The decision by the California Supreme Court was seen as a big win for builders, contractors, manufactures, and design professionals

This was because of a couple of reasons. First, the vast majority of claims still had to go through the pre litigation procedures as spelled out in the Act. It also substantiated that the Act still applied to construction defects that were not specifically laid out in the jargon and wording of the Act itself.

The Right to Repair Act might seem like a complicated piece of legislation. There’s an extensive amount of background that corresponds with how it’s interpreted and seen today. Overall, homeowners do reserve the right to bring claims, but usually still have to go through a pre litigation process, except in certain instances.

Do you have a question about the Right to Repair Act? Click here to contact Von Esch Law today!

Courtesy of Cuselleration

Featured Image

5 Things to Know About Spousal Support in California

Alimony is always a contentious subject to navigate, especially when it is in the context of a divorce. Most people understand the basics behind alimony, where a higher-earning spouse makes regular payments to the other partner, but there are still a lot of misconceptions about alimony and its presence in divorce proceedings.

Our experienced attorneys will be able to review the circumstances surrounding each divorce case and give advice and counsel about spousal support laws, and how they might be impacting a case.

One of the biggest points of confusion stems from the fact that each state has their own laws and requirements related to alimony. Alimony is commonly known as spousal support. Here are five things to know about spousal support in California.

1. Spousal Support Is Not Necessarily Set Forever

Circumstances surrounding spousal support can change, and one side can petition to make changes to the support that was originally ordered in settlement agreements. For example, a paying spouse who is in an accident and finds income being diverted to medical bills can work to possibly modify the terms of support. However, both sides will have to agree to any changes, or you might have to go to court to settle any disputes if an amicable change is not able to be reached.

2. Spousal Support Stops After Death

Spousal payment requirements terminate once either spouse passes away. This means a payor spouse’s estate will not be held responsible to keep up with payments. If the spouse being supported passes away, their estate is not allowed to petition the payor spouse for funds.

3. Spousal Support is Only Allowed for Financial Purposes

In California, spousal support is only awarded for purposes related to finances. It is not doled out due to misdeeds like adultery, and it can not be used as a tool to punish bad behavior. However, a judge is able to withhold support if a supported spouse carries out an act of violence against the would-be payor.

4. Spousal Support Is A Calculation of Multiple Factors

There is no set algorithm or calculation used to decide the amounts of spousal support. All instances are calculated based on the specific circumstances of a couple. Judges in a case will weigh multiple factors before deciding on amounts, like marriage duration, ages, health, income, employment ability, and ability to pay.

Generally, spousal support is set to be somewhat equal to the standard of living a supported spouse was able to have during the marriage. In California, spousal support is also able to be tax deductible for the payor, as long as they are not filing joint taxes with the supported spouse.

Click here to learn California property division laws!

5. California Has Multiple Types of Support

California divorce cases have the option of allowing temporary or permanent spousal support. Temporary support is one that might be mandated before a divorce is officially finalized, and will not carry over once the divorce is rendered official. It is used as a tool to make sure the lower-earning spouse has enough money to be provided for during proceedings.

On the other hand, permanent support comes in the form of regular payments from the payor spouse to the supported one. This is mandated for a specific period of time after a divorce is finalized, and is intended to help the supported spouse maintain a financial level they had during the marriage itself.

Do you have a question about spousal support in California? Click here to contact Von Esch Law today!

Courtesy of Cuselleration

Featured Image

3 Reasons You Should Have a Lawyer Review Your Contracts

It can be tricky as an entrepreneur to call up a lawyer to review a contract. But failing to do so can have devastating consequences for your business.

A lot of things can go wrong thanks with a bad contract. You could end up forking over a lot more money than you should. You could lose your rights to valuable property, and even expose yourself to risky (and costly) lawsuits.

Therefore, it is important to spend the money on having a lawyer review contracts. It will be a lot more expensive for an individual to come in at the end of the day to revise and fix a bad one.

Here are three reasons why you should have a lawyer review your contracts.

1. Courts Find Them Easier to Enforce
A good contract means that it holds weight in court. But a generic contract or one you wrote yourself, thanks to the internet might not be able to actually be enforced in your area.

If you’ve chosen to broker an oral agreement, it might not even be valid for certain types of transactions.

On the other hand, contracts that have been reviewed and edited by a lawyer ensures that important jargon and terms are included so the contract is valid. Plus, a good lawyer will make sure the agreement is up-to-date based on state laws.

This is particularly important when it comes to non-compete agreements. They can be a variable way for you to keep talent from working with a competitor, but a non-compete you crafted yourself probably will have some sort of error that could make the whole agreement non-enforceable.

2. Contracts Reviewed or Written by an Attorney Are Thorough
Poorly written contracts, or one with glaring gaps, could open you up to disputes or expensive lawsuits. Lawyers are experts when it comes to contracts. They understand how to write them in a clear manner and how to mitigate any potential problems on the horizon.

A good attorney who reviews a contract will be able to fill in the gaps that someone might have missed and will have the legal know-how to suggest additional clauses.

Lawyers know that a good contract includes stipulations about what happens if one party does not hold up their end of the bargain.

Well-written contracts also take steps to limit your liability in a scenario that is beyond your control. Additionally, they will incorporate so-called “boilerplate” clauses that will minimize frivolous disputes.

With the help of a good lawyer, a contract becomes a document that helps resolve problems. It becomes something that can help shorten the length of any disputes, and make sure you stand a better chance of
winning the case.

Click here to learn the 5 ways for your business to avoid legal issues!

3. Attorneys Can Help Craft Contracts That Save You Money
An experienced attorney in your industry will know about the types of standard language and terms. As a result, their expertise will translate in a contract that favors you, their client.

Having an attorney look over a contract, or taking the steps to revise one, can be a useful way for you to potentially save a lot of money. An attorney on your side can give advice about how to push the boundaries in your favor, or at least advise you about reasonable terms and negotiation standards.

If you are writing a contract on your own, and the other side has an experienced attorney working on theirs, you might be subject to unfair terms or be put at a bad negotiating vantage point.

Overall, getting good legal advice when it comes to contracts can make or break your business.

Do you have a contract that needs to be carefully reviewed by an attorney? Click here to contact Von Esch Law today!

Courtesy of Cuselleration

Featured Image

Pro and Cons of Signing A Prenuptial Agreement

Nearly one million divorces happen every year in the US. According to a survey carried out by the American Academy of Matrimonial Lawyers in 2010, three out of 4 lawyers said there was an increase in the demand for prenuptial agreements over a period of five years.

A prenuptial agreement is a contract that a couple needs to sign before they get married. It stipulates how marital debts and assets will be divided in the event of a divorce. It also indicates what each party brings into the marriage and the assets acquired during marriage. Prenuptial agreements help minimize confusion, stress, and high legal fees in the event of a divorce or death. It is highly recommended for:

  • Couples with children from another marriage
  • Those entering another marriage
  • Couples with big age, debts, businesses, and income differences

Benefits of Signing a Prenuptial Agreement

  1. Minimize conflicts – In the event of a divorce, a prenuptial agreement will make it easier to distribute assets. It makes the divorce process faster, less traumatic, and more respectful. It can also help to speed up the court process, because it gives the court a clear picture of what the couple initially intended. Additionally, couples can state in the agreement how every asset will be divided among their children, helping protect their future inheritance.
  2. Debts – A prenuptial agreement enables the couple to have a clear distinction of their debts. It separates the marital debt from individual debt and it protects the debt-free spouse from assuming the debt responsibility of the other.
  3. Protection of property – A prenuptial contract is important since it helps to distinguish between spouses’ separate property and marital property. During a divorce, marital property is divided equally but separate property is not subject to division.
  4. Transparency – This form of agreement also helps promote transparency among spouses regarding each other’s financial situation. It gives a full disclosure of the assets and debts of each party, making each party aware of their partners’ spending and budgets. It also enables the couple to plan for their financial future.
  5. Spouse protection – In the instance of there being an agreement for one partner to leave their career to take care of kids, this agreement ensures compensation in the event of a divorce. A prenuptial agreement also limits the amount of spousal support paid by another spouse during divorce.

Disadvantages of Signing a Prenuptial Agreement

  1. Change of circumstances – Most couples sign a prenuptial agreement without anticipating the future. Due to life uncertainties, the agreement may get impacted, thus a need for updating it. These situations can arise due to sickness, career change, or children. Sometimes, the agreement can even be rendered useless.
  2. The validity of the agreement – The court will scrutinize every detail of the prenuptial agreement in order to establish the validity and enforceability of the contract. It can be rejected if it is established that during the making of the agreement, there was non-disclosure of some assets, absence of representation, fraud, or duress.
  3. Planning for a divorce before marriage – Prenuptial agreements are enforced when either a party dies or the marriage is dissolved. Many people view signing a prenup as accepting failure in the marriage before attempting it. Trust issues may arise as a result of a prenuptial agreement, leaving the spouses vulnerable to a divorce.
  4. Child support – The court is the final decision maker when it comes to matters regarding the children’s support and welfare. A prenuptial agreement should not involve child custody and support matters. The court will disregard an agreement that includes child support.
  5. Not necessary – Sometimes, couples may bring up this uncomfortable conversation, only to realize their state laws do not permit prenuptial agreements for certain issues. It is imperative that couples first look into the enforceability of prenuptial agreements within their jurisdiction.

A prenuptial agreement, if done well, is useful in the event of a divorce. Signing a prenuptial agreement is a personal decision that should be based on the individual’s specifics and circumstances. If you and your future spouse are weighing the pros and cons of signing a prenup, give us a call to set up a consultation with one of the members of our team.

Featured Image

How to Protect Your Business from Copyright Lawsuits

Think your company has the next ‘big idea’, good enough to break into your industry? Chances are, someone else has had the same idea. At Von Esch Law Group, we’ve seen too many start-ups and business owners face patent litigation from companies waiting to file lawsuits against unsuspecting entrepreneurs. Here are 4 tips for avoiding copyright infringement throughout each stage of your development.

  1. Be cautious if it’s not your own.

 

You may think this goes without saying, but so many business owners get caught in this tricky copyright trap. If a piece of content was not created by you or your company, whether in person or on the internet, a high level of caution is required when deciding if it’s acceptable to reuse. If you find content you want to use for business purposes, especially photographs and music, check the permissions or license to see whether you can use it for free or need to pay a fee.

  1. Big companies do care.

With so many massive corporations pushing out content daily, it can be tempting to take a small piece of their content – like an Instagram post or 3-second video clip – for your business’s personal use. However, more often than not, they’ll be looking out for this small form of plagiarism. New software has made it possible for companies to monitor any content being republished on the web, no matter how small. Play it safe and avoid this type of copyright infringement.

  1. Don’t forget to look for “fair use”.

While these infringement laws may seem scary, there may be a way around them. “Fair use” is an exemption offered to those who wish to use a piece of content with a copyright license for educational purposes. While this option requires you to read the fine lines, it often allows you access to otherwise prohibited content for educational use.

  1. Start early.

Just had an idea for a business, product, or service? It’s never too early to start researching the current patents associated with your idea. Whether you assign it to your development team or look into it yourself, thoroughly researching the copyrights related to your product can help you avoid a major headache (and lawsuit) in the future.

In addition to following these tips, our team at Von Esch Law highly recommends hiring a legal team to walk you through each step of your business or product development. We specialize in business law and have helped countless clients avoid costly lawsuits. Give us a call today to schedule a consultation with our team!