There are many aspects that come with buying a home, one of the most important being its title. When you obtain the title to a property, you officially become the legal owner of that property. The title of a home provides us with important information such as who owns the home and who may have a claim to that piece of property. Obtaining title is not always a simple process and problems can arise even after the property has been purchased. Therefore, it’s important to keep yourself protected through title insurance. Title insurance is a requirement for homes bought in Pennsylvania that are in any way financed. It differs from other types of insurance in that it focuses on the idea of risk prevention, rather than risk assumption. Title insurance policies are designed to protect home buyers and mortgage lenders from damages or financial losses arising from issues or defects with the property’s title after purchase. Such policies will shield the insured party from any covered losses as well as any legal fees that may arise in an effort to resolve any disputes. Having title insurance will allow the buyer to ensure that they are getting title to the property…
Read MoreMMD&C recently won a suppression case before the Delaware Court of Common Pleas, successfully arguing that a police officer may not continue to investigate a motorist outside the scope of the traffic stop, based on the nervousness of the driver. Under the law, there are three types of police encounters. (1) a mere encounter, (2) an investigatory detention, and (3) an arrest. A Mere Encounter occurs when an officer stops to talk to an individual. For example, an officer asking a motorist with a flat tire if they need any assistance, is a mere encounter. This is a mere encounter, and the motorist is free to walk away at any time. Investigative detentions occur when an individual is not under arrest for a crime but is not free to leave. To escalate a mere encounter to an investigatory detention, also known as a Terry Stop, an officer must have reasonable suspicion. Reasonable suspicion requires specific and articulable facts that would lead an officer to believe that criminal activity is afoot. An example of reasonable suspicion would be if an individual, known to the police to have a criminal record, in a high crime area walking around in a parking lot…
Read MoreMany Americans have faced the grim reality of owing unpaid income taxes to the Internal Revenue Service (IRS). For some, these taxes are large and one unpaid year can lead to another until the taxpayer owes several years of income taxes. The taxpayer can be stupefied by both the amount and the possibility that the tax bills may never go away. But….is that true? Not exactly. A taxpayer may use the bankruptcy process to eliminate certain kinds of income debts, either partially, or in full. Dischargeable Taxes in Bankruptcy The Bankruptcy Code does not have a list of what taxes are dischargeable; it only says what is not dischargeable. First, figure out what is not dischargeable – meaning you cannot eliminate them through bankruptcy. Anything outside of what is not dischargeable is– dischargeable. If the pre-petition tax is dischargeable, it follows that any related penalties and interest are also dischargeable. Examples of non-dischargeable taxes: The Third Circuit, in In re Giacchi 856 F.3d 244 (3rd Cir. 2017) held that the late filed 1040 did not constitute filed returns that could otherwise be dischargeable if they otherwise complied with Section 507. The Third Circuit focused on the language of § 523(a)(1)(B),…
Read MoreDimitri L. Karapelou is Of-Counsel at the Firm. Dimitri brings to Musi, Merkins, Daubenberger & Clark a 28-year background representing debtors, creditors, trustees and other interested parties in bankruptcy, business transactions and commercial disputes. His range of experience offers a balanced perspective to any matter. Some of Dimitri’s work has included the following engagements: Dimitri’s private practice experience is complimented by his qualifications as a Certified Fraud Examiner, Panel Arbitrator for FINRA , and Panel Arbitrator for Delaware County Court of Common Pleas. Dimitri is noted by his peers and clients as a top lawyer by his AV Rating with Martindale-Hubble and testimonials of commendable service. As a solo lawyer, Dimitri had the unique distinction of being featured in a Law360 article for his accomplishment as a trial lawyer and authored an article about the life of a solo published in Philadelphia Lawyer Magazine. He routinely presents as a course speaker/author at legal seminars attended by lawyers, judges, and bankruptcy/industry professionals. Dimitri loves all that is Delaware County and could not be happier to call Media his home, along with his wife and two kids.
Read MoreYou’ve been pulled over by the police, and you know that you were drinking earlier in the day. You waited several hours to drive, and you think you should be below the legal limit, but what if you are not? What are you rights if the police ask you to conduct a field sobriety test, or give blood to determine your blood alcohol content (BAC)? In the Commonwealth of Pennsylvania, you have every right to refuse a field sobriety test and to refuse to submit to blood alcohol testing. However, the result of these refusals can have very serious consequences. Below is what you can expect, should you refuse to consent to one or both. What is a Field Sobriety Test? We have all seen videos, movies, and depictions of a roadside field sobriety test. You can expect to be asked to walk a straight line, to follow an officer’s pen as he moves it across your field of vision, and to stand on one leg. The official names are “horizontalgaze nystagmus test, the walk and turn test, and the one leg stand test.” These tests are done by police officers when it is suspected that you are under the…
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