PAUL T. BUCKWALTER

Pointers on the Law
Personal Injuries
Divorce
Business
Criminal Defense
Real Estate
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Bankruptcy
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The Perfect Lawyer
Contact Us - Directions

Law Offices in Brandermill Trade Center

13509 East Boundary Road, Suite E, Midlothian, Virginia

(804)744-8744
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POINTERS ON THE LAW:

Cell phone use is illegal if you are under age 18 or a bus driver.  Kids and bus drivers may not use the phone  or text message at all while operating a motor vehicle. Some cities and counties make it illegal to use a cell phone unless you are hands free.


Red Lights:
Motorcycles, mopeds and bicycles can run a red light if the light refuses to turn. Often a bike does not trigger the light to cycle. If so, you must wait at least two cycles or 120 seconds then you may treat the light as a stop sign and proceed with caution when no cross traffic is present.


DMV
is now charging when you appear in person for licenses or renewals. The surcharge of $5 is waived if you renew via Internet, phone or mail.



Have you had an auto accident or other personal injury? Check out the tips listed under
PERSONAL INURIES
HOME AFFORDABLE MORTGAGES:

If you are current on your mortgage but unable to refinance because your home decreased in value you may become eligible for a break under the newest laws.  

- You must be the owner occupant with a loan owned/under Fannie or Freddie programs

- You must not have been more than 30 days late in the last 12 months.

- You must owe less than the current value of the home and

- You must have income to pay the new mortgage.

Refinancing from an Adjustable Rate Mortgage (ARM) to a fixed rate may also qualify.

You may not get cash back and your loan amount will not be lower, but you will lower the interest rate and that will decrease your payment. If the mortgage is not current or if you have a bad payment history you will not qualify for refinancing. You may, however qualify for a Home Affordable Modification.

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Law Offices
PAUL T. BUCKWALTER
13509 East Boundary Road, Suite E
Midlothian, Va 23112
804/744-8744
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Richmond - Midlothian - Chesterfield