Valuable Tips Series: Buying a used car in Elkton, MD

Many of our Elkton, Maryland auto accident clients come to us with many concerns, one of the first ones being what to do about their vehicle. Since opening my office in Elkton, Maryland in 2014, I have noticed a higher percentage of vehicle accidents being more severe, and causing most of the vehicles to be a total loss. This means needing to replace the vehicle, and needing to do so with a limited amount of time, as most insurance companies will only pay for rental coverage for a few days, or up to a week following the payout on a total loss.

As an attorney who aims to be a broad resource for my clients, not only providing legal services, but providing trusted insight on businesses in the Elkton area that I have knowledge or experience dealing with. Among them, is Premier Auto Exchange on Rt 40 in Elkton. You may know their location as the site of the old KFC. Premier auto exchange began as a generational auto repair business, with 3 locations in Elkton and Newark, DE, and took that care for quality cars to the sales level, largely based on demand from their customers for repair work. This ongoing video/informational series will encompass a series of interviews and tips from the owner, and sales manager on important factors to consider when purchasing a used car, whether as a replacement for yourself or when buying as a first car for a new driver.

For your very first car, here are some key considerations from Premier Auto Exchange:

At Premier, we advise all car buyers to purchase a car that you can afford to pay off in 48 months. You don’t want to spend the next 6 years paying off a car. We suggest that you also put down 20% on the car to keep from getting upside down, where you owe more on the car than it is worth. You never want to be in the position of owing more than your car is worth. If you determine that you can afford a car, then make sure you enter the dealership prepared with “The Folder” of competitive car price quotes, or you’ll overpay by thousands.

The most important things to consider with your first car is safety and dependability. If you are going to buy a used car, be sure to do your research on the track record of the vehicles you are interested in. You should also consider purchasing a warranty on the vehicle for the term of the loan. The last thing you want is an expensive repair while still making payments.  At Premier Auto Exchange we have a wide variety of warranties to choose from.

Please share this article, and book mark or subscribe to the page so you are alerted to upcoming editions of this series. For more information on our office, visit our website or facebook page. You can find Premier Auto on facebook, too. If you’re injured in an accident, call our office immediately at (410) 885-6200 before speaking to anyone else, especially the insurance companies!

 

Network…network…network

Networking is no doubt been a buzz word in the business community for years now. The entire concept of the social website ‘Linkedin’ is networking amongst other business professionals. The American Bar Association publishes a monthly magazine entitled ‘Student Lawyer’ which in their February, 2014 issue published a piece titled ‘Networking Doesn’t have to be painful.’
Across all professions networking is said to be key, but how do you do so effectively, and so that there are long term benefits?
First of all, networking is about sales–the product being yourself or your business. If you look at it any other way, you’re probably doing it wrong.
When such an analysis is missed, some of the key elements to the sale are also missed.

1) Promoting value to your customer/client/colleague. If the person you are networking with does not know or recognize how working with you in the future can be beneficial to them, why would they even think to work with you.

2) Utilizing the law of averages. Not everyone says yes. Just like you don’t buy every product when you go to the store, not everyone will be interested or immediately interested in working with you. It is important to meet with a lot of people in order to develop a core group of clients, customers or referral sources.

3) Learn about your customer/client/colleague. This point should probably proceed point #1. It is impractical to promote true value to a customer/client/colleague if you don’t really understand what their needs are. Also, any information gained here can help you build a stronger long term relationship with your customer/client/colleague and convert the individual from a customer/client into just a colleague.

4) Don’t seek a one and done. Great business relationships are often ones that develop over time. Utilizing someone one time for a quick benefit, even if that benefit is mutual, is somewhat hollow, and will not help you or your colleague build their business. Try to find opportunities to interact with a colleague even when you are not asking for the sale.

5) Cross pollinate! I cannot stress this point enough. While the value that you provide to someone may not be direct, it can still be valuable. As you expand your network, think about the core of the word: net. Building a strong net demands of you to cross-refer. Understand who is in your network and what their needs are. Put people in your network together that can help each other. I am not a lawyer yet, but have worked in the law practice for years. I have built value within my network of colleagues mainly by finding ways to introduce colleagues in different industries with each other. I now have a group of doctors, chiropractors, body shops and insurance agents who each refer to each other. Who will be the lawyer that these professionals refer to around the time that I am admitted….probably me.

When thinking about networking, think like this:

people-linked

 

Not like this:

social-network-lgr

 

6) Ask for the sale. This is important, and often even forgotten in the sales world by people who know they are doing sales. Much like you may not realize that your networking is an exercise in sales, the person you’re networking with may equally not realize this. If I were to have begun tracking the referrals that the offices I worked for over the past years as to dividing into an A and B group clients who were asked to refer friends and family, and clients who were not asked, I would probably find that most referrals came from clients who were in the A group. You cannot assume, and you immediately fail when you do assume, that your clients or customers know what you’re about and what you want. Much like your need to learn about them to adequately be of benefit to them, they need to know what makes you tick. You will often see printed on business cards ‘the best thank you is a referral.’ This is a reminder to the customer/client that you want more business. You helped them, you want your clients to know that you’ll be there for their friends, family, circle of influence should the need arise.

Some of the best business relationships develop out of friendships. Or perhaps the friendships develop out of positive business relationships. Either way, while it is not essential for you to be inviting everyone that you do business with to your children’s weddings, it is important that you get to know the people who will ultimately have something to do with paying for those weddings. Get to know yourself, get to know your colleagues, and through this build stronger relationships, and a stronger network.

I’m not the biggest fan of snow days

I’m different.

I’m really wired differently than most other people that I’ve met in this world. I’m not certain that I was always like this, but at some point in my past something happened to me to make me different. Or maybe I always was this way.

I usually am good at seeing opportunity where others see conflict or trouble. I usually am the type of person to seize the opportunity that most will leave laying, or never realize was close to being within their grasp. I recall a time a few years ago while I was working for a Baltimore Lawyer handling criminal defense cases and auto accident cases.
It was mid december, maybe the saturday or sunday before Christmas. I was at my mother’s house with my wife and kids. Maybe it was just one at the time…time flies so I’m not certain. Anyway, we were there to celebrate christmas with my family, because we alternate the holidays each year and where we spend them. One year we will have thanksgiving with my family in Maryland, and Christmas with my wife’s family in New Hampshire. The next year we will swap the locations for the holidays. Therefore, this was “Christmas” for me with my family.

Back to the lawyer I was working for….I was working for a guy who at the time, and perhaps still, didn’t really “get it.” So much so that I offered myself to be the person who would have the office’s phone forwarded to my personal cell phone on evenings and weekends. Again, I’m different. I don’t fault him or anyone else for not getting it. In fact, this story will detail quite nicely how many others just don’t “get it” and how I will ultimately be able to take advantage of this in my career. I find it important to answer the phone. First and foremost, customer service and client attention is the key to continued business, referral business, and not getting bar complaints! Secondly, when the phone rings, before answering it, it’s really tough to tell what kind of person or call is on the other end. If there was any way to establish this type of foresight I’d be in a more lucrative line of work. The phone rings with the same tone when it is a drunk looking for a ride home from the bar or a multi-million dollar accident/injury client looking for competent counsel. Clearly I have drawn comparisons among some great extremes here.

We are putting the food on the table. It is almost time to eat. Ring. Ring. I look at the phone, and for a second I actually think about not answering it. Not my style.

Me: “Good afternoon, law office” (I don’t really get personal phone calls from numbers not stored in my phone)
Caller: “Oh hello (Startled) is this someone actually working in a law office?”
Me: “Well, I’m not physically in the office, but I work there during normal business hours–I’m a real person, though, can I help you?”
Caller: “Oh thank you so much. I’ve called 5 or 6 other lawyers and no one is answering their phone or has a real person on the line”
Me: “Well here we are. What can I help you with?”
Caller: “I was picked up on a violation of probation, and I have a court hearing coming up, can you help?”
Me: “I’m not the lawyer, but this is the type stuff he does. Do you want to come in to meet us first thing monday?”
Caller: “Seriously? Yes, thank you so much”

We continue to set up the appointment. I believe that I then called my boss and got him to call the potential client directly after my call with her. I like to under-promise and over deliver. I like to surprise the clients that I work with in a good way. My boss was actually pretty decent at making the follow up calls, at least initially, when I would have occasion to set something up like this.

This case turned into a paid fee of $2,500.00 if I remember correctly. Within a week of this, the client called frantic late in the evening. She had just been in an automobile accident with her sister and her young son. I have no precise recall of the fees in those cases, but I know it to have been roughly $15,000-$20,000 aggregate between the 3 claims.
But wait, there’s more….same client, while the office is representing her for the auto accident case(s) calls because her boyfriend is picked up on some criminal charges. I don’t recall the specifics, but I know the attorney gave him a discount for being a close connection to a current client. I believe that was another $1,500 or $2,000 fee.

My point here, if I trust my client’s assessment of how many lawyers she attempted to call that morning before getting me on the phone–5 or 6 lawyers passed on no less than $19,000 in fees. As a non-lawyer, I didn’t really see a dime of that money–but that’s not the point. The mentality is the key there, and I did something for my firm that a lot of other lawyers wouldn’t do for themselves. Hell, my boss wasn’t and probably isn’t even doing this for himself.

I guess on days like today, specifically in my non-lawyer, unemployed position, I feel stuck, stifled, and as if it is more difficult for me to take advantage of the opportunity that most others are likely squandering. I have spent some quality time with my kids…sort of. If my 6 year old watching cartoons on the iPad while I clean up puzzles and other blocks my 2 year old dumped everywhere as quality time. I guess I’ve spent some quality time with the 2 year old, and I’m at least “around” for the 6 year old in a way that kids these days are growing to expect as the norm of “parenting.”

I am concerned, however, as to how I have gotten here in the house today. Essentially stuck. Will I be stuck in this manor in my professional career? Next year when I am a lawyer, and quite possibly running my own practice–will I have the freedom to answer the phone? My hope is yes. My hope is that I will have the ability to do the work that others don’t care to take the time to do. It’s this work, this concern, this differentness that I feel will make me successful in ways that others cannot imagine. It is how I will begin to forge long term relationships with clients, where they truly are thinking of no other lawyer when they, their friend or a family member is involved in a situation that would benefit from legal guidance.

I just want to continue being different. Being better.

Jury Trial

It has been an interesting and certainly non-traditional journey for me to get to where I am now. Many who wish to become lawyers do so by going to high school, then to college, and then to law school. Typically, from my understanding, this is done in somewhat quick succession and often without delay. Not me, at least not without delay. I went to high school, then to undergrad in what is a more traditional succession. I left undergrad, degree nearly completed, as part of a work-study that was supposed to last one semester yet ended up being a two year journey beginning in Baltimore and ending in Chicago. I then returned to Maryland, not having completed my undergrad degree, and eventually began working in the law. I had no clue what I was really doing, and learned everything on the job. That was a positive experience, and quickly I went from a paper pusher to someone in an office with some responsibility. Then, realizing that I was being grossly underpaid, changed jobs to a larger firm for more money and less responsibility. At this point in time I began to complete my undergraduate degree. I transferred from the school I started with, and over a few years completed a bachelor’s degree. In this time I switched jobs again to a solo attorney for whom I would use a lot of my marketing background and sales experience to build a small firm into a high volume firm over the course of a few years. Before beginning law school at the University of Baltimore School of Law in August 2011 I got married and became a father of one(not particularly in that order, but this story is about my non-traditional style, right?). In the middle of my second semester I became a father again. I really hate when people use that verbage, but it seems to be what people say when something happens again. I had never ceased being a father, but I had another child.
My law school experience, like most other experiences in my life, have been a little different that what I observed everyone around me to be having. When I first arrived at new student orientation, I quickly realized that I was the only student that I spoke to that really knew what he or she wanted to do after school, moreover the only student who seemed to know why he/she was even attending law school. I had a plan, a plan B, and perhaps even a plan C depending upon how the 4 years of evening law school would develop. As with most plans, this changed somewhat, as the dynamic of my life certainly changed. As a night student I was in Baltimore to late hours 4 nights out of the week. In the first semester I was not getting home to Cecil County until nearly 11pm, waking up around 5:30 or 6am and starting all over again. When my son was born, there was no sleep really for several months. This was incredibly taxing on myself and my family–both physically, mentally and emotionally. In the fall of my second year I enrolled in a mix of courses evening and day classes, allowing me to be home 3 week nights and at school only 2. At this point I also switched my status to full-time day student so that I could take additional credits exceeding the max of 12. By the fall of the third year, I was down to my last 2 semesters. Overloading and taking full summer course loads allowed me to accelerate the 4 year degree plan into 3 years. It look a lot of maneuvering to be able to finish in the spring, and not have to take summer classes in my final year. I wanted to avoid taking courses when others were taking the bar. I didn’t want to be preparing for the bar when the July bar takers were being sworn in and beginning their careers. Much of these maneuvers involved a lot of self sacrifice. When I began law school I had a well paying full time job. Throughout this process I cut back hours, and released a lot of the responsibility that I had at the firm I was working for. Perhaps I was a positive catalyst at my old job, because as I became less involved the course of the firm took a different direction, and money became sparse. I left this job in November, mainly due to financial instability and my employer’s inability to pay me consistently. I feel that I a lot of what has happened to this point is the result of my desire to accelerate my degree program and become a lawyer a year earlier.

Nothing in life is free.

The fall of this final semester, however, awarded me a brilliant and fantastic opportunity that I would not have been able to undertake had I stuck to the night-only 4 year plan. Many schools thought out the country and the States that they’re in have programs that allow third year students with certain qualifications to practice in the non-profit areas in the local communities. Depending upon the practice areas, this may include low-income family law clinics, social security disability, immigration, or even criminal law though the State’s Attorney and Public Defender offices in the State. I was fortunate enough to be selected (it’s a lottery, so luck as much as anything else) to participate in the criminal law clinic, and under part of Maryland’s rule for admission became a lawyer within the confines of the Cecil County Public Defender’s office from August 2013 through January 2014. Due to scheduling issues with school that semester, most specifically the classroom component to this clinical experience, most of the work I was involved in was in the District Court. It was great experience, none the less, and I was able to work with hundreds of clients and hundreds of cases. Some I managed to have dropped completely, or get really good offers to plea for the clients so that they would be able to move past the infraction that I was representing them for and continue their lives with an opportunity for a clean criminal record.
It was only until December that I was able to do any real work in the Circuit Court. Many of the district court cases resolved in what is referred to as a “prayer for jury trial.” In Maryland, for those unfamiliar, there are two trial courts. The District Court is mainly the misdemeanor trial court, with no juries. There are some special felonies that can be tried in the District Court as well, but most of those are Circuit Court Cases. Also, any charges where the maximum penalty exceeds 90 days incarceration give the defendant the automatic right to request that their case be moved from the District Court to the Circuit Court, for a jury trial. Most of the cases taking this course do not actually result in filling the jury box with 12 citizens, but the mechanism is to request such a right. Often times this strategy is employed to get what is a big fish in a small pond into a larger pond, that is to say get a case into a court where they handle much more serious matters. Usually the plea arrangements are more favorable in the Circuit Court. Sometimes the strategy is one in which to buy time. Nearing the holidays defendants who know that they are likely to do jail time will pray a jury trial just to stay out of detention until after the holidays. Homeless defendants often will take pleas around these colder months for the purposes of being indoors when the adverse weather conditions may cause permanent injury or even death. In many cases defendant is charged with some violation involving the status of their driving privileges. For them, the delay offered in the jury trial scheduling will allow them to have their license reinstated or at least have taken substantial steps in the process before their trial date.

Sometimes, though, these cases go to trial.

When I first began this clinical experience, one of the “goals” expressed by the professors overseeing the clinic to the supervisor of the public defender’s office was that I would try 5 contested cases throughout the semester. My supervisor balked at this notion, doubting that in the time frame I was going to be there that the entire office was unlikely to try more than 5 contested cases, throughout the entire office! Finally, though, in January 2014 I had my hands on a case that the facts were disputed and the State wasn’t making an offer that my client wanted to take. It was finally, after all of this, time to fill the box and get down to business. Unlike many lawyers, in my observation, I want a trial. I want to fill the box, I want to do the work. Probably not limited to lawyers, but most in my experience are looking to go the path of least resistance. Get their money for a good plea deal and move on. More time handling a case means less money overall, or less time spent handling another case. Plus, I guess some people are scared to try cases. I’m wired differently, I suppose. I didn’t go to law school to not be a lawyer. I had a good job, a high paying job. I was making more money than most first year associates in my job. I could have gone on doing that, making more and more money each year, not being a lawyer. However, I would have been confined to the office, and not given the opportunity to try cases.

This is what I want to do.

It’s tough to try a case. Not so much the trial aspect of trying the case, but getting a case actually to go to trial. I’ve often thought, in criminal law, that any case that is worth trying is bad enough that the state should be dropping the case. Throughout the semester, at least in the district court, I prepared to try a lot of cases. I was ready to go. Then, when showing up to court the day of trial, something went wrong on the State’s side. They looked at their file, their witness didn’t show up, or they made a good enough deal that the client wanted to take it and move on. Every case I thought I was going to get to try, went away.
I’m not a glutton for pain or punishment. I advised each client of the benefits and downfalls of any plea deal offered. I want what is in the best interest of the client, and will continue to do so once I become a lawyer. The client rules the day. Fortunately for me I had a guy who didn’t want any offer, even a really good offer up to the point where we were about to select jurors.

I got my trial.

It went almost exactly as I thought it would. I had prepared for some time for this case, knew there was a likelihood that a jury would find my guy guilty. However, there were a lot of inaccuracies and discrepancies in the accusing victim’s statement and story that I felt the case was worth trying. I was incredibly happy with how the trial went. I felt that I highlighted all of the inaccuracies/discrepancies that I wanted to bring the jury’s attention to. I personally did not feel that there was enough evidence to convict my client.

The jury disagreed with me.

Such is life. My guy was found guilty. I didn’t know how I’d feel if I got a guilty verdict. I didn’t know if it would be discouraging to me, make me shy away from trials, or whatever. None of this has happened. Unfortunately my time as a student attorney is over. My carriage turned into a pumpkin last friday afternoon, and I am back to civilian life…for now. One semester of law school to go. Graduation in May, bar exam in July, and assuming all goes as planned, admission to practice in December 2014. Then I will have far less restrictions in my effort to try more cases.

No doubt, one day, I will become a little more jaded, a little less enamored with the idea of going to trial. I think the goal for me needs to avoid this and delay these feelings at all cost. I need to be conscious of the fact that the practice of law is referred to as the “practice” of law for a reason. Looking back on the trial, there may have been some minor things that I would have done a little differently. Facts or occurrences that I may have emphasized a little more or a little less. None of which I feel would have turned the case, but I would be foolish to think that I couldn’t have done better, made the jury deliberate longer. My client was happy with the trial, not necessarily the outcome, but he knows that we put it all on the table. I had prepped with the client about the case several times. He knew what I planned to do, agreed with it, and felt that it was done the way we planned. He even thanked me again the next day for the effort when he had to show back up at the courthouse for a pre-sentencing investigation.

It is possible that in sentencing this guy is offered probation before judgment at the culmination of any incarceration given by the court. I feel good about this. If the guy didn’t do it, then he has a chance to earn a clean record after he does his time.

I’m hungry to practice. Hungry to be in the mix. I have another trial advocacy course in the spring, and lobbied with the school to allow me to extend my Rule 16 placement.

My time will come.

Year 2: nearly complete

Its been a crazy year, I mean absolutely insane.

I have, on a variety of fronts, completely overloaded myself with life, school, work, etc.

Now, I am about a week away from finals at the end of my second year of law school.

 

There is hope…however.

 

Things change a little in the semesters to follow.

This summer, I am taking just one class (its like a vacation) and I have an internship 2 days a week only 10 minutes from my house(yay less driving!).

My hope is to learn a lot working in the Public Defender’s office in Cecil County.

Then–in the fall, I will be a part of the Criminal Practice Clinic at UB. Which means I will actually be practicing law under the supervision of the public defender. Tremendous–I cannot wait.

Things at my office are solidifying, clicking into place, and starting to be much more consistent. We’ve gotten some serious cases recently, and those should be incredibly fruitful in the next year or so.

Maryland bar results are released next friday. I am looking forward to the results, as my colleague PJ, a Pennsylvania Lawyer, recently took it and awaits the results.

 

I need a break. I need to go to Disney World or something like that.

 

 

Spring Break and summer “vacation”

I’m taking a vacation this summer!

Not really….However, I am taking one classroom class (Constitutional Criminal Procedure 1) and doing a summer internship at the Office of the Public Defender in Cecil County.

Why am I calling this a vacation?

1) Taking only one class means only thinking along one doctrinal line….right now I am taking 5 classes and thinking about 5 different things at any given time.

2) The internship is local: Right now I drive into Baltimore from my home 5 days most weeks. This summer I will only be driving in 3 days for week. This is a big break.

3) I am also beginning my “clone myself” process, hopefully in the next few weeks. My valued assistant at work, who left a few months ago, is likely returning. My goal is to train her to replace me, once I am a lawyer. My schedule this semester has created a significant disconnect between me and the office. Essentially, I’m only in the office 2 and a half days per week, I really have no idea what is going on day to day. When I serve as the “office manager” this is a big deal, negatively. My hope is to train a new office manager. One that I know well, trust, and will kick ass and take over for me.

We are working hard to create significantly streamlined systems in the office, and we are getting very close.

There are a few pieces of the puzzle that are missing, some of which we are working to fill and solidify.

A lot of this should get ironed out over the next week, during my spring break. I’ll be spending much more time in the office.

 

 

Well that’s not how the weekend was supposed to end!

Needless to say, that game didn’t end how I hoped or thought it would have. Now its time to get back to work and get started on the week. I did manage to get a lot more reading done this weekend that I thought I would.

P.S. Vernon Davis is a beast. He just caught what I think is his second touchdown of the NFC Championship game. If the 49ers win this game I’ll be even more upset that the Ravens didn’t, having both Harbaugh brothers in the Super Bowl (am I allowed to type that?) would have been fantastic.

So I posted already about the topics for torts, and it looks like there’s only one case this week for Civil Procedure, which I’ll post about later tonight or tomorrow.

Looks like we’re going to be taking on some pretty big cases this week, including some potentially higher profile with media cases. It’s perfect timing because we’re bringing on an associate attorney in the office to take some of the work load off of Marc. Growth is good. Success is good. and those two seem to be working in tandem right now. Ok, and here’s another shameless backlink to the Baltimore Criminal Lawyer. Hopefully no one reading this needs us for anything, or for a Baltimore Auto Accident, but if you do, you know where to find us 😉

 

Hopefully everyone had an eventful weekend, and doesn’t have too much of a hangover tomorrow after the Ravens game.