Fort Salonga Office: (631) 848-1204; Of course, please feel free to e-mail us at Carol.Ryder@ymail.com for a free consultation; weekend and evening appointments available.
***MORTGAGE UPDATES-SEE FORECLOSURE BUTTON (third from top)
***OUR NON-PROFIT IS NEW YORKERS PROTECTING ANIMAL WELFARE (NY PAW). The former name, LEGAL TLC, has been updated to reflect additional missions we have. Please be advised that while the moniker does state animals, we help animals AND those who love them (e.g. veterans needing help with their Service Animals, Therapy Dogs or pets)
**ANIMAL RELATED UPDATES: PLEASE SEE [ANIMAL ABUSE] BUTTON (3RD FROM BOTTOM); Includes info on: Just in time for Spring, "congrats" to the first perp, Daniel L. Vargas, to be posted to the first Animal Abuser Registry in the country-unofficial version here; and "Shirley 23" alleged animal fighter Erdman is joining him after his (5/1 appearance ). HOWEVER, before reading what happened, please note that the prosecutors are working their tails off BUT our animal abuse laws are unbelievably lousy, enforcement is NOT by police but rather, non-profits, the state has cut the budget, crime has risen, and the prosecutors are doing their jobs with BOTH hands tied behind their backs trying to prosecute animal abuse (and other) cases.
***May 2013 update: Service Animals update under [Disability] button
ZEALOUSLY PROTECTING LONG ISLANDERS WITH CARE
We provide zealous advocacy FOR our clients while providing excellent, caring service TO our clients. If we feel you need a "super-specialist", we have a network of top experts in various fields we can call upon for your case, and we do so regularly. We also keep in contact with various government agencies and such to aid with issues that require their help more so than the court's help (e.g. Veterans Administration). Call (631) 848-1204, all offices conveniently located off the Sunken Meadow Parkway (Sagtikos), Northern State Parkway, Southern State Parkway, and the Long Island Expressway.
Specific issues and areas of practice for Foreclosures include: Foreclosure Defense, including loan modifications, reductions in principle owed, interest rates and terms of repayment, representation and answers to Complaints filed by the lender, comprehensive review of your situation to see if the whole Complaint can be ordered dismissed for various issues, including lack of Standing, etc.
We also handle: disability discrimination and other areas of related federal and state law concerning the Americans with Disabilities Act ("ADA"), New York State Human Rights Law, The New York City Human Rights Law, The Rehabilitation Act, The Family and Medical Leave Act "FMLA"), the Equal Employment Opportunity Commission, The New York State and New York City Division of Human Rights, Service Animals, Service Dogs, and more; veterans benefits and other veterans issues; litigation, including medical malpractice; personal injury; auto accidents; contract preparation; landlord/tenant; leases; real estate; small business representation, medium business representation; criminal law, including representation in the "specialty courts", including: Veterans Court, Mental Health Court and substance abuse court(s), otherwise known as Drug Court, Whistleblower Law, and more.
If this is the type of law firm you are looking for, you have come to the right place. Carol Ryder is admitted in BOTH New York State and Federal Court (EDNY), and are in the process of Admission to the Second Circuit Court of Appeals. We also will be gaining Admission in other states' courts over time. Please let us know what your needs and questions are, and we will be more than happy to schedule a complimentary consultation with you. Carol.Ryder@ymail.com is our e-mail address, or you can call us at: (631) 848-1204 (weekends and evenings fine).
November 6, 2012: Please see our new Facebook page at: http://www.facebook.com/media/set/?set=a.100432356789050.978.100004668571042&type=1#!/carol.ryder.1238
Please accept our sincere condolences for what you have gone through, and continue to go through. We also handle insurance claims, working as private insurance adjusters to represent YOU in getting reimbursed for the damages caused by Sandy, not just for the house and auto(s) but also ancillary costs such as hotel rooms and meals. It is important that you contact us as soon as possible in the process.
Starting this minute, on your end, please make sure you take pictures, loads of them. Should your camera's memory fill up, see if you can upload them to a computer or, if yours are destroyed, ask a friend if you can place the photos on there, and e-mail them to yourself. They don't take up much memory, unlike video and voice files. Also, if you lack power but have a laptop or other device(s), libraries are a great place to power up your various electronic devices, not to mention being warm, plenty to read, even a living room set-up (such as at the Northport Library and others I've seen).
Please also have a notepad and write down EVERYTHING you have done, expenses, who you spoke with regarding getting repairs from Hurricane Sandy done, etc. Don't just use scratch paper; this is going to be a lengthy process the insurance companies are not prepared to handle. Even if so many people weren't affected, they still are infamous for making one's life he&^ getting your claims paid. For example. Irene caused damage to some people but not a lot, usually trees falling on the roof, as happened to the Northport office. Still, the insurance companies dragged their feet and ultimately refused to pay. Thus, I had to operate as Carol Ryder the attorney and got it taken care of.
We were very lucky and suffered little damage during Hurricane Sandy, and power outages were only an hour here and there. Clients' files are scanned and put on computers anyway, where the back-up drive is kept at one of our other offices. We now want to do what we can to help others less fortunate.
I have already received complaints, or know first-hand myself, of problems with USAA, Merchant's Insurance, Aetna, MetLife*, State Farm, and other insurers**. People report they keep getting a busy signal, and/or the case gets all messed up as the insurers bring in unqualified people and/or insurance adjusters from out-of-state. The issue with out-of-state adjusters is they just don't know what it costs for everything in the tri-state area, especially Long Island. For example, good luck getting your roof replaced for the adjusters claim it should cost. Add in the high-demand for those services and materials, and the cost increases even more.
Then, compounding the problem(s), even after you get an insurance adjuster from the insurer to your home or business to see your damage, it could take years to see a dime, money victims desperately need NOW. After all, LIPA, Verizon, your oil company, internet provider and Costco don't want to hear you can't afford to pay but you will as soon as the money comes in. Thus, you may lose HEAT in winter, electricity, have to eat nothing but rice (or something you can cook without electricity), etc. Credit card companies will still be charging high interest rates, which the insurers will not reimburse, and for some victims, this may come to thousands of dollars. There are even folks STILL waiting for reimbursement from Hurricane Wilma (2005) winding its way through the courts now because the insureds weren't getting paid for their damages and were forced to go to court.
*MetLife lost a case where the insured's attorney proved that across the board, in many divisions of MetLife, essentially, department heads were told they better not pay more than a certain amount in claims or else. Bonuses were also given. The insureds' claim was only $32Kish for a van stolen and found in pieces, where MetLife refused to replace this van, which a number of experts stated was destroyed and could not be repaired. The attorney for the couple in Pheonix, AZ uncovered company documents that proved the company policy of avoiding payment, whether for disability, life insurance, homeowner's insurance, auto coverage and other areas of coverage. The jury awarded them not just the $32Kish for the van but another $55 million in punitive damages. That is a huge award but the jury felt only a huge punitive damages award will make companies like MetLife "behave". $55 million isn't really that big a deal to a company that size but yet they appealed.
**I am NOT stating all insurance companies are mishandling claims; I am just getting in complaints and have not seen "proof" because it is too new, so I am not committing libel passing along information I have received from others. Additionally, I have been the direct victim of insurers so those reports are bona-fide first-hand "evidence".
Update May 5, 2013: Please note that many large corporations, one in particular, have been using whatever methods they need to in order to get rid of workers-call it workplace bullying, FMLA discrimination, disability discrimination, hostile work environment, fraud and so many more violations and lawbreaking. They have violated many laws, including federal laws, and even court orders and settlements with federal agencies such as the Equal Employment Opportunity Commission. They know it may be difficult for individuals to obtain legal representation because of the corporations' reputations for fighting to the death (in many cases, literally). However, we are joining forces and sharing evidence so that we may bring victims together and get victims the legal representation they need, Please follow the information under the "Discr/Bullying" button bottom left. Can they hear us now? ******************************************************************************************************************
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