Portland Legal Services - Joanne Reisman, Attorney at Law
My Blog

Consumer Protection

Avoiding or Reducing Medical Bills Not Covered by Insurance

The first thing to check for is to be sure that the medical location and the medical providers are in your Network.  Be careful with the myriad of convenient urgent care clinics that are springing up all over the place in shopping malls, in pharmacies, and at other suburban locations.  If the care facility is not specifically contracted with your medical insurance network it is not likely to be covered.

Medical Services that aren't covered are often billed at the highest prices for medical services.

Getting a Creditor to Report That You Paid or Satisfied a Judgment Against You!

Judgments can be entered against you for debts you owe and even if you have paid the Judgment it can still show up in public records as owing. The court needs to enter a document which states that the Judgment has been satisfied.  Otherwise this will still be reported as a Judgment that is owed and will adversely effect your ability to apply for loans and get credit.

A creditor who has fully collected the Judgment has a duty to file a Satisfaction of Judgment with the court under Oregon Law.   Not all creditors understand this duty, especially creditors like ex-spouses who are not professionals.

New Oregon Law improves UM UIM Auto Insurance Coverage IF your policy is issued or renewed on or after January 1, 2016!

Very Very Important - All Oregonians will want to make sure their automobile policy is technically renewed or issued as close to January 1, 2016 as they can get it done.  Why?  

Well there was a new law passed this year that goes into effect as of January 1, 2016.   Known as Oregon Senate Bill 411, or referred to by us attorneys as the "UIM stacking legislation", this new law will actually improve your auto insurance coverage if your policy is  issued or renewed on or after January 1, 2016.

Scam Calls and Emails - how to avoid being a Victim!!

To avoid becoming a scam victimregard any call or email that asks any personal, business or financial  information including a request to verify information as a possible scam!

Any legitimate callers or emailers will be willing to assist you in verifying that their calls or emails are legitimate.  If they are pushy,  anxious, evasive, or demanding when you ask questions or don't want to help you verify their identity or business legitimacy - they are scammers!

Here are the steps you need to take right from the start.
Website Builder provided by  Vistaprint