Financial and Consumer

Debt-to-Income Ratio

Your debt-to-income ratio offers a way to easily assess the state of your finances. The ratio compares your total monthly debt (not including your rent or mortgage payment each month) to your total monthly income. A debt-to-income ratio that is less than 20% is considered to be a good number. Effectively, this indicates you are financially stable.

Defendant Advice

What if you are the Defendant?

If someone files a lawsuit against you, remember that the burden of proof is on the plaintiff. The person suing you must produce evidence that shows that what he/she is arguing actually happened and that he/she was wronged in some manner. If the plaintiff fails to introduce this evidence you will win, no matter what actually happened.

When to Consider Small Claims Court

Most Small Claims Courts have jurisdictional limits. That is, the Small Claims Courts will only accept cases in which the damages sued for are less than a certain amount. Contact your local Small Claims Court Clerk to make sure you are within the limit.

Property Damage Defense

What happens if someone sues you for causing property damage to their property? The best defense is always to outline each element of the plaintiff's case, and then ask yourself what proof the plaintiff has on each element, and what proof you can introduce or bring to court to disprove the plaintiff's version.

Property Damage Defense

What happens if someone sues you for causing property damage to their property? The best defense is always to outline each element of the plaintiff's case, and then ask yourself what proof the plaintiff has on each element, and what proof you can introduce or bring to court to disprove the plaintiff's version.

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