Rainwater, Holt & Sexton | Injury Law Blog

New Attorney Ashley Loy

by Richard Atkinson | September 27th, 2016
Ashley Loy after being sworn in as an Attorney

Ashley Loy after being sworn in as an Attorney

Ashley Loy has joined Rainwater, Holt & Sexton as an associate attorney focused on Social Security disability. She is a 2016 graduate of the William H. Bowen School of Law at the University of Arkansas at Little Rock, where she graduated with honors. While at Bowen, Loy worked for the Social Security Administration where she began as an adjudicator assistant and then became an adjudicator.  In each role, Loy learned the complexity of Social Security disability law. Upon graduation, she has transitioned her focus to full time advocacy in the Social Security disability field.

Loy grew up in Little Rock and graduated with honors from the University of Central Arkansas in Conway. She is a member of the Arkansas Bar, the Arkansas Bar Association, and the William H. Bowen Alumni Association.

Car Accidents: Reward vs. Regret

by Cary Graham | September 26th, 2016

Regret is a sad state to find yourself. We see it all the time in personal injury law. We get calls from accident victims who tried to handle their own injury claim without the help of a lawyer, ending up with a small insurance settlement just weeks after their accident. That money ran out long before the medical bills stopped coming in, leaving them in a serious financial dilemma. Unfortunately, there’s not a lot we can do for them at that point.

That’s why it’s so important that you take the time to speak with a lawyer before signing anything from the insurance company. At Rainwater, Holt & Sexton, we make it easy to consult with an attorney after an accident. All you have to do is give us a call and we’ll answer any questions you have at no cost or obligation to you.

If you’ve been injured in a car accident, one phone call may be the difference between reward and regret. Give our experienced Arkansas car accident attorneys a call for a free consultation. Our legal team has helped hundreds of folks in Arkansas in your same situation, and we’re standing by ready to help you as well. Contact us today.

One of Arkansas Best Places to Work…Again!

by Richard Atkinson | September 23rd, 2016
Part of the RHS team at the Best Places to Work Luncheon.

Part of the RHS team at the Best Places to Work Luncheon.

We already knew it, but it sure is nice to be recognized again! Rainwater, Holt & Sexton has been named by Arkansas Business Publishing Group as one of the Best Places to Work in Arkansas for the second straight year.

Our firm was honored at a luncheon on Wednesday, September 21 along with many other deserving businesses. The selection process was not a popularity vote, but rather based on employee surveys on the topics of benefits and unique culture in the workplace. The process has shown us areas where we excel and areas where improvement is needed.  We are very proud of our staff and know they are truly our best asset.

It was an honor to attend the luncheon with so many other great business. It is always great to be able to hear from other business leaders about what works for their company and think about how that can help us.

Take a look at the article written by Arkansas Business here.

Take a look at the entire Arkansas Business special section here.

New Attorney Jake Logan

by Richard Atkinson | September 20th, 2016
Attorney Jake Logan being sworn in by Chief Justice Howard Brill of the Arkansas Supreme Court.

Attorney Jake Logan being sworn in by Chief Justice Howard Brill of the Arkansas Supreme Court.

Rainwater, Holt & Sexton has hired Jake Logan as a new Associate Attorney focused on personal injury cases. He is a 2016 graduate of the William H. Bowen School of Law at the University of Arkansas at Little Rock.  During his time in law school Logan was a member of the Moot Court Board and the Associate Editor of the UALR Law Review.  After passing the Arkansas Bar exam he was sworn in as an attorney by Arkansas Supreme Court Chief Justice Howard Brill.  Logan has been with the firm since 2013 where he started work as a law clerk.  During his clerkship, Logan worked closely with the litigation team at Rainwater, Holt & Sexton.

Logan grew up in Sheridan, AR and graduated from the University of Central Arkansas in Conway in 2013 where he was an international studies major.  At UCA he was a member of the student government and president of the Sigma Nu fraternity.  Outside of work Logan is very involved in the community as a member of The Hat Club of Little Rock, Create Little Rock, and the Rotaract Club of Little Rock. He also serves on the Riverfest Committee and is a part of the lector ministry at St. Margaret’s Episcopal Church.

Defending Arkansas Motorcycle Victims

by Cary Graham | September 19th, 2016

Motorcycles are more than recreational vehicles. For many, they represent a lifestyle grounded in the freedom of the open road. Whether seasoned veterans or weekend warriors, the biking community is alive and strong in Arkansas, and we’re proud to be a part of that community by standing beside motorcycle accident victims who are just trying to get back to riding condition. Getting there can be an uphill battle on their own, which is where we come in.

Motorcycle accidents are often more complicated than car accidents, as it’s often difficult to prove fault. Without an experienced lawyer on your side, you could be blamed for the accident altogether, leaving you not only responsible for your medical bills, but those of the other driver as well. As a Rainwater, Holt & Sexton client, our investigative team will work diligently to uncover every bit of evidence and follow every lead to ensure the blame is placed where it should be. Then our Arkansas motorcycle accident attorneys will fight to get you maximum compensation for your injuries.

If you’ve been involved in a motorcycle accident, don’t take the risk of going it alone. Call our experienced Arkansas motorcycle accident attorneys today for a free consultation. We’ve helped folks in your same situation get the compensation they deserve, and we’re ready to do the same for you.

Saving Your Car in Chapter 13 Bankruptcy

by John Rainwater | September 16th, 2016

Bad loans and depreciation can lead to a person owing more on a vehicle than it is worth. As a bankruptcy attorney in Arkansas, I have seen clients with auto loans more than two times the value of their vehicles and at extremely high interest rates.

If your vehicle is worth less than you owe, or you are paying excessive interest, filing a Chapter 13 bankruptcy can reduce your balance, cut your interest rate, and slash your payment. A “cramdown” of a car loan is a major benefit available in Chapter 13 Bankruptcy under 11 U.S.C. § 506(a) of the bankruptcy code. (NOTE: 11 U.S.C. § 506(a) of the bankruptcy code enables a debtor to split a creditor’s claim, treating the claim, up to the value of the collateral, as a secured claim while treating as unsecured the amount of the claim that exceeds the value of the collateral. Section 506(a) states in relevant part that “[a]n allowed claim of a creditor secured by a lien on property in which the estate has an interest . . . is a secured claim to the extent of the value of such creditor’s interest in the estate’s interest in such property . . . and is an unsecured claim to the extent that the value of such creditor’s interest . . . is less than the amount of such allowed claim.”).

“Cramming down” your car loan balance in Chapter 13 reduces the balance to the vehicle’s fair market value. This new lower amount is paid through your Chapter 13 plan. Any remaining balance becomes an unsecured debt like your credit cards, medical bills, etc. Because many Chapter 13 debtors pay only a small portion of their unsecured debt (often cents on the dollar), cramming down the balance can save you thousands of dollars.

To be eligible to cram down the balance on a car loan, you must have purchased the vehicle at least 910 days (a little over 30 months or 2.5 years) from the date that you filed your Chapter 13 bankruptcy. The 910-day rule also applies to cramming down interest rates.

Example: Roger has a car worth $12,500, but the balance on his auto loan is $18,500. His payment is $511 per month at 6% interest. In Chapter 13, Roger can cram down the balance to $12,500. Therefore, his payments would be based upon this new lower balance. The remaining $6000 becomes an unsecured debt, which will most likely be paid back at cents on the dollar. Roger’s payments will be reduced to $241 per month when paid through a 60-month Chapter 13 plan.

Contact our law firm today to see how we can save your car and save you money on your car loan by filing a Chapter 13 bankruptcy.

There’s No Shame in Filing for Bankruptcy

by Cary Graham | September 12th, 2016

As in most legal matters, there are a lot of misconceptions out there about filing for bankruptcy. The first misconception is that if you file for bankruptcy, you lose everything you own, including the clothes on your back. That’s not the case. The other major misconception is that filing for bankruptcy is an indicator of financial failure.

Let’s get something straight. There’s no shame in filing for bankruptcy, so get that idea out of your head right now. Bankruptcy is simply a tool that helps hardworking folks like you get back on the right financial track after falling on hard times. We handle bankruptcy at Rainwater, Holt & Sexton because we know that filing on your own can be challenging. You need to pick the right type of bankruptcy for your situation to get the most out of this second chance, and our bankruptcy lawyers are ready to help you do so.

If you’re considering filing for bankruptcy, give us a call for your free consultation. Our experienced Arkansas bankruptcy attorneys will take a detailed look at your financial situation and advise you on the best course of action moving forward. This is your chance to start over financially. Don’t risk going it alone. Give us a call today.

Spirit of Arkansas Winner – Ali’s Angels

by Richard Atkinson | September 7th, 2016

Ali’s Angels Foundation was formed by Donya Catlett after her daughter, Ali, passed away from Infantile Batten Disease in 2014. Infantile Batten is an incurable rare neurological disease and is fatal. Donya immediately fought to help others by starting the foundation to raise money for a cure. Since then Ali’s Angels Foundation has also begun plans to build Ali’s Wonderland, a fully accessible, barrier-free playground. The playground will help children with all forms of disabilities play and learn. Once completed this will be Arkansas’ first playground disabled children. Ali’s Angels Foundation has taken a tragedy and is now using it to help countless other children.  We honor them this month as our Spirit of Arkansas winner.

Rainwater, Holt & Sexton is partnered with KATV Channel 7 to present the “Spirit of Arkansas Award.” The award is given to local charities doing exceptional work in the community.  To be considered for the Spirit of Arkansas Award, a charity can apply at http://www.katv.com/story/29483184/the-spirit-of-arkansas-nomination-form .

Respect Can Lead to Big Wins for Injury Victims

by Cary Graham | September 6th, 2016

A large part of our responsibilities as personal injury lawyers is standing up to the insurance companies on behalf of our clients. When they refuse to pay our clients what they deserve for their injuries, we push back until they do. You might assume because we are constantly fighting for fair compensation that we would have an adversarial relationship with the insurance folks we deal with, but in fact, the opposite is true.

As in any profession, respect is king in personal injury law. Over the years, we’ve demanded respect from insurance companies for our firm and our clients, and in return we give them the same level of respect. That’s one of the reasons we’ve been so successful in securing maximum compensation for our clients. We’ve built relationships with the insurance companies that stand between our clients and fair compensation. They know we’re not going to take less than what our clients deserve, and that understanding often leads to a positive result.

If you’ve been injured in a car accident, get a firm on your side that knows how to get you maximum compensation for your injuries. Give our experienced Arkansas personal injury lawyers a call today for a free consultation.

Why We’re Skeptical of New Products

by Cary Graham | August 29th, 2016

Over the years, we’ve learned to be a little skeptical when new products hit the market, especially those that claim to be a safe alternative to another product known to be dangerous. Take e-cigarettes for example. When e-cigarette devices first hit the market, the manufacturers claimed that vaping was better for you than smoking. That may or may not be true, but we’re pretty sure exploding e-cigarette devices are not. Hundreds of explosive and/or fiery incidents later, e-cigarette victims are beginning to win lawsuits against the manufacturers.

At Rainwater, Holt & Sexton, we’ve been holding manufacturers of defective products accountable for decades. Consumers have rights, but in order to exercise those rights they need a legal advocate they can trust fighting on their behalf. That’s where we come in. When someone is injured by a defective product, they turn to us to get them money for medical bills, lost wages, pain and suffering, and more. We’re proud to stand between them and the manufacturers that caused their injuries, and we’re ready to do the same for you.

If you or someone you love has been injured by a defective product, call our experienced product liability lawyers today for a free evaluation of your claim. You might be entitled to significant compensation for your injuries, so don’t wait to call. Contact us today.

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