Have You Suffered From Investment Fraud?

A search for synonyms for the noun fraud returns myriad results including cheating, swindling, embezzlement, deceit, deception, double-dealing and chicanery. Unfortunately, these terms are too often associated with financial investments that turn out far different than investors originally expected or hoped. So long as there is profit to be gained through unscrupulous and illegal investment activities, investment and securities fraud will always post a threat to countless individuals and institutions. Investment Fraud

By definition, investment fraud is “the illegal activity of providing false information to someone so that they will invest in something.”  But investor or securities fraud comes in many shapes and varieties. Misrepresentations may be made in writing, such as through a prospectus, offering memorandum, or other investment documents. Misrepresentations may also be made through written or verbal communications such as emails, correspondence and presentations. Typically, misrepresentations are made by an issuer or agent (such as a dealer-broker) of the target investment. However, fraud may also be committed by business partners or principals of a business.

In addition to traditional fraud and misrepresentation, there are other categories of investor fraud claims such as brokers-dealers claims for unsuitability (recommending or selling unsuitable investments to clients), churning (excessive selling-buying within a brokerage account to generate commissions), unauthorized trading, breach of fiduciary duty, and other claims. Then there are fraudulent investments such as Ponzi schemes, where investors are promised or even shown investment returns that don’t actually exist but instead are paid by new investor money. Ultimately, these houses of cards always collapse leaving investors out in the cold.

There is always a degree of risk involved in financial investments. However, when investment fraud occurs and investors are given false or misleading information before investing, it can be difficult, if not impossible, to accurately gauge the risk and make an informed investment decision. As a result, losses occur – sometimes catastrophic losses – and stunned investors are left wondering what to do. Fortunately, Atlanta attorneys Brownstein and Nguyen are experienced in investment and securities fraud litigation.

They have successfully represented and reclaimed funds for clients involved in real estate, start-up investing, and broker/dealer investment fraud. With stories in the news regarding misrepresentation in investments involving stocks, hedge funds, and precious metals, there are sure to be more individuals out there who have suffered financial loss as a result of an investment fraud.

If you believe that you or someone you know has suffered financial loss as a result of fraud or misrepresentation in an investment, contact Brownstein and Nguyen in Atlanta. However, don’t delay as the law imposes strict time deadlines on investor claims and lawsuits.

Green Cards and Family Immigration

While family structures vary from one family to another, the word family is synonymous with togetherness. This is especially true when it comes to immigration and what it means to be together as a family in the United States of America. Brownstein & Nguyen, Atlanta Georgia immigration lawyers, have experience working with thousands of families over the years to help them bring them together in our great country.

Visas and Green CardsUnited States citizens and permanent legal residents can petition for a green card for various family members. A United States citizen can also able to sponsor a spouse, child, parent, or sibling, while a permanent legal resident is able to petition for a spouse or child. When petitioning for a family member to be granted a green card, the petitioner is known as the “sponsor” and the recipient family member is known as the “beneficiary.”

There are many steps involved in filling out and acquiring and providing the government with proper supporting documentation for the Petition for Alien Relative form (Form I-130). The process can be quite involved. While one could attempt to complete the form and apply for a visa or green card without a lawyer’s assistance, hiring an experienced immigration attorney may make all of the difference in the world. When filing a petition, it may be approved or denied. If approved, sponsored relatives must know and precisely follow the steps required to complete the processing of their visa. An experienced immigration lawyer will provide guidance in these next steps. Additionally, if a petition should be denied, the appeal process is familiar for experienced immigration lawyers.

If you are considering sponsoring a spouse, child, parent, or sibling, contact Atlanta immigration lawyers Brownstein & Nguyen. When it comes to something as important as family immigration and togetherness, it is okay to lean on experts. Brownstein & Nguyen is  qualified and experienced in navigating the legal landscape of sponsoring a family member for a green card. Contact Brownstein & Nguyen for a free consultation. With over 20 years of experience, our track record speaks for itself.

Keys to Success in Starting Your Own Business In Atlanta

You’ve worked hard pursuing your dream of owning your own business. But you may not see potential legal pitfalls that could sidetrack or completely derail your new venture. That is to be expected, since you likely do not have the legal training or experience necessary to recognize legal issues affecting a particular business. At Brownstein and Nguyen, we specialize in business law and business litigation. We have over 25 years of experience working with small business owners and have seen first-hand the benefits of anticipating and proactively addressing legal issues upfront. Unfortunately, we have also seen the consequences of failing to setup a business with appropriate legal measures in place.

Keys to SuccessThere are four key questions that every small business owner should absolutely know the answers to. This may mean a little more work up front. But expending the time and effort in the beginning is a small price to pay, compared to the headaches and pain you will avoid in the future.

Are my documents in order?

Whether running a brick and mortar or virtual business, it is critical that all necessary licenses, applications, and agreements are properly completed, in place and complied with. Depending on the business, this could include entering into a business lease agreement; applying for all necessary city, county and state licenses; compliance with zoning, labor, tax and other local or state regulations; and registration of business documents.

How should I set up my business?

It is important to clearly define whether you are going into business as an individual or with partners, and consequently what legal business model best suits your needs. There is no “one size fits all” model for starting a business, and our lawyers at Brownstein and Nguyen can help determine if your business would be best established as a sole proprietorship, corporation, limited liability company (LLC), or partnership. Regardless of the entity form, it is imperative that all necessary incorporation or other establishment documents and agreements be prepared and executed by all necessary parties.

What about employees?

If you will be employing individuals, it is important to make sure that employment policies and manuals and, if applicable, employment agreements, be properly setup or reviewed. As with any business agreement, terms and expectations of employees must be clearly defined and communicated to employees. In addition, a business must comply with all state and federal employment regulations including employee classification and compensation (wage and hour laws), payroll filings, unemployment laws, etc.

What if our business needs to end?

Many business owners choose to dissolve their business for various reasons. Whether a change in the economy, the sale of a company, or a change of direction, it is important that an agreement be worked out in advance. Consider making sure that your legal documentation covers upfront the “what ifs” of business closure or dissolution.

If you are planning to start a business in Atlanta or Georgia, or already own a small business and want to make sure that you are legally covered, contact Brownstein and Nguyen for a consultation. You will receive the benefit of our years of experience, legal knowledge and practical advice to help your business avoid common legal mistakes.

Personal Injury Myths

Lawyer and attorney jokes are commonplace. Contrary to popular belief, most lawyers do have a sense of humor. However, many jokes and the underlying public’s negative perceptions serve to perpetuate damaging myths about personal injury lawyers and cases that are simply not true. For our civil justice system to work for everyone, it is important that the public be well-informed. So, we would like to take a moment to address a few common myths that we hear.

Dishonest Lawyer-Not at Brownstein and Nguyen

1. Personal injury lawyers are ambulance chasers

Not all lawyers are the same. Some spend enormous amounts of money on advertising, whether on television, buses, or the internet. Unfortunately, some ads are tasteful while others are not. Although advertising is legal, paying a non-lawyer a referral fee for a case is not. Unfortunately, there are lawyers who use runners and similar unlawful schemes to obtain clients. The majority of competent, highly-skilled lawyers – the kind you would want handling your case – must rely primarily on their reputation, experience and personal referrals to maintain their practices. At Brownstein & Nguyen, we have over 25 years of experience representing plaintiffs and personal injury clients. Our clients come to us from attorney and other referrals based on our reputation and results. We pride ourselves in our ethics and professionalism, and never engage in dishonest or improper means in obtaining clients.

2. Personal injury lawyers are only interested in making money

Our founding attorneys have built our practice around just a few areas of law, including personal injury law. While a law practice is a business, our case selection decisions are not based solely on economics. We don’t take on every case. However, many of the personal injury cases we do take for well-deserving clients are risky and difficult, and have often been rejected by other lawyers. We take on these cases because our primary objective and priority is helping people whose lives have been disrupted, sometimes even shattered, as a result of an automobile accident, medical malpractice, or other injury. Our goal is to make sure that our clients will be taken care of financially in order to help piece together their lives after a tragic event.

3. If my injuries are minor, I do not need a personal injury lawyer

Even seemingly minor injuries may necessitate hiring an attorney. Many times, an auto accident may not seem major; perhaps it looks like just a fender bender. However, if a car has sustained damage, there’s a good chance that the persons involved may have experienced an injury, as well. This is because of physics and the forces involved in collisions between steel objects weighing several thousand pounds and movable human objects inside of them. Often, muscle and other soft-tissue strains, sprains or soreness are not felt until several days after a collision. Even more serious injuries may not be discovered until days, weeks or even months later. If you or a loved one is in a truck or car wreck, you should first and foremost seek medical treatment for your injuries, without delay.

4. Personal injury lawyers are dishonest and can’t be trusted

Reputable lawyers play by the rules, not only in how they obtain clients but also in how they handle cases. Lawyers are bound by strict professional rules of ethics and are subject to harsh discipline, including suspension or even disbarment, for violating those rules. Lawyers are also considered officers of the court and owe duties of candor and honesty to clients, parties, opposing counsel, and the courts. At Brownstein & Nguyen, we cherish our professional reputation as honest and ethical attorneys , and would never do anything to damage our reputation as premier personal injury lawyers in Atlanta. We tell clients the hard truths about their cases; we are professional and respectful in our dealings with opposing parties and counsel; and we use facts and evidence to aggressively and honestly represent our clients and uphold the truth. We win cases, the right way.

If you or someone you know has experienced a personal injury due to an automobile or trucking accident, medical malpractice, elder abuse or other negligence and would like a free consultation, contact Brownstein and Nguyen personal injury attorneys in Atlanta. With our years of expertise, our reputation, and our willingness to represent the injured and needy in tough cases, we promise you will receive the attention and high caliber legal representation you deserve.

Fast Food Law

In the lightening-quick internet age, options abound for simple, fast solutions to everyday problems. However, what’s quick and easy isn’t always complete or adequate. For example, when running late after a hectic, long day there are plenty of options for a quick meal including fast food drive-through and grocery store prepared meals. Problem solved! The family’s fed at a reasonable price, and everyone still made it to the soccer or baseball game or wherever else they needed to be on time.

Fast Food LawSwinging through the fast food lane might be okay in a pinch. But for obvious health reasons, you probably wouldn’t want to do it on a regular basis.

While it’s easy to understand that fast food is typically not healthy, the same can be said of “fast food” law. Yes, the drive-through mentality of fast and cheap has found its way into legal services. With the click of a button, an LLC can be formed, and according to the American Bar Association it may not be long before unhappy spouses can stop in at Walmart for a divorce. In Ontario, Canada, there are five quick-stop law firms located within Walmart stores. While divorce services have yet to be added and law offices are not present in stateside Walmarts, the chances of both coming to fruition are good.

Axess Law currently offers online legal services for a variety of legal issues associated with different aspects of life. The site map neatly categorizes the services that they offer. While they claim to fill the gap and make access to legal expertise affordable for those who may not otherwise have access, it is important to exercise caution when dealing with such options.

Online and big-box retail models of legal services might be appropriate for relatively simple legal matters, such as notarizing documents. But for more complicated matters, one is left wondering how much personal attention and true legal expertise a matter would receive. Skilled lawyers are specially trained and experienced in identifying and addressing the myriad legal issues that may be presented by individualized circumstances. Just as with fast food, one-size fits-all legal help might appear to be a quick and cheap solution. But in the end, it may not be the best solution. For one example of just how costly this approach can be, read the story about the legal battle caused by a poorly drafted online will here.

At Brownstein and Nguyen, we believe legal care should be accessible to all. We also understand that a one-size-fits-all model does not work for the law practice areas that we specialize in. As premier immigration, personal injury, and business litigation attorneys in Atlanta, we provide high quality legal expertise and individualized attention that affords each client the necessary help they need and deserve. Contact us today for your legal needs in Atlanta, GA.

Special Care Units and Memory Care Units

Memory CareHe sits and stares out the window, lost in his own thoughts. Even though he is here in this place, in this time, in front of that window, his thoughts have taken him somewhere else. He is not entirely aware that the world he sees exists only in his mind in another time and place, not the one he is physically living in.

This may describe a regular occurrence for your father, grandfather, aunt or uncle, or other family member suffering from Alzheimer’s Disease or dementia. For many, memory loss, dementia, or Alzheimer’s symptoms can be devastating and lead to the loss of independence. As individuals lose the ability to place themselves in the proper time and place, they may struggle to maintain daily tasks such as preparing meals, managing medication, household chores, and self care. When this happens, many families find themselves facing the difficult decision of placing a loved one in a care facility.

There is more to consider for the overall care and well-being of a loved one suffering from Alzheimer’s or dementia when choosing a care facility. You will still want to research, visit facilities and ask questions, but you will want to do all of this with memory care in mind. Many facilities offer a special wing or floor devoted to memory care. This portion of the facility is specifically designed and staffed with the needs of patients experiencing memory loss, dementia, and Alzheimer’s. In searching for a facility, you will want to ask if the facility offers a Memory Care Unit or a Special Care Unit (SCU).

According to gerontologist Sara Shelton of Seattle Care Solutions, Special Care Units offer a higher ratio of staff to residents than other types of care. Staff for Special Care Units typically have specialized training. In addition, these facilities may offer activity-based patient programs designed specifically for memory care patients. Many units also include secured exits for the safety of patients who may become disoriented and attempt to leave, as well as visual cues that make it easier for patients to navigate their surroundings.

The Alzheimer‘s Association suggests that when researching and visiting Memory Care or Special Care Unit options, you should ask for a special care unit disclosure form. This form is required for state licensing purposes in order for a facility’s unit to qualify as a Memory Care Unit or Special Care Unit. Requirements vary from state to state, and the disclosure form will detail what specific plans and procedures are in place for the facility to qualify as a Special Care or Memory Care Unit.

At Brownstein & Nguyen, we have years of experience dealing with the difficult legal situations and medical complications that arise in cases of nursing home neglect and elder abuse, including those involving patients suffering from memory loss or dementia. Call or contact us today so that we can help you.

The Affordable Care Act and Whistleblower Lawsuits

Qui Tam Whistleblower ClaimsThe stated goal of the Affordable Care Act (ACA), also known as “Obamacare,” is to make healthcare affordable for the general public. With healthcare spending in the U.S in 2013 totaling $3 billion dollars, and projected to rise 6% annually, one can understand that healthcare costs are quite burdensome for individuals, families, and businesses.

While the ACA as a whole has received much media attention, one important aspect of the act has not. This portion of the law involves the enhancement of the False Claims Act (FCA) by which qui tam or whistleblower lawsuits are brought by individuals. These lawsuits bring fraudulent billing and other false claims in the healthcare industry to light. The FCA enables the government, with the help of private whistleblowers, to recover significant dollars that were fraudulently claimed as healthcare expenses. In 2013, some $2.6 billion was recovered from healthcare fraud cases.

While qui tam or whistleblower cases may be risky, whistleblowers do have an incentive to come forward with information regarding false claims and fraud against the government. Whistleblowers can receive 15-30% of what the government is able to recover as a result of a qui tam or whistleblower lawsuit. In 2013, FCA whistleblowers received $345 in incentive awards. This financial incentive is necessary to encourage private individuals to come forward, often at great personal sacrifice and expense, with information that helps taxpayers recoup billions of dollars lost annually to healthcare fraud, and to help ensure that fraud is minimized in these cases.

For more information regarding false claims and other fraudulent conduct the FCA prohibits healthcare facilities, providers, and drug manufacturers from engaging in, take a look at the The Affordable Care Act and Qui Tam Whistleblower Claims. This concise article, co-authored by Atlanta attorney Jay Brownstein, is quite informative on the topic.

Does healthcare insurance lower mortality rates?

The death rate in Massachusetts dropped following the 2006 adoption of mandatory healthcare insurance. Is this a coincidence, or is mandatory healthcare insurance responsible for the decreased mortality rate?

Is preventative care key?The New York Times reports that from a recent study of mortality rates in Massachusetts, which compares the death rates to counties with similar populations outside the state, we don’t yet know the answer to the question. However, the study, published in the Annals of Internal Medicine, provides some evidence that healthcare insurance may be closely linked to reducing mortality.

With coverage now being more widely available and accessible to those who would otherwise be uninsured, doctors and hospitals have observed a difference in the willingness of patients to pursue treatment. The New York Times referenced multiple reports by doctors in which uninsured patients would delay or forego medical care and treatment. More often than not, the ultimate reason they chose to do so was the financial cost involved. Unfortunately, medical conditions for some untreated patients grew into more serious (and costly) health issues that might have been avoided had treatment been sought early on.

As alluded to by the study, if more patients have healthcare insurance, they are more likely to pursue and receive preventative care, which leads to a healthier population, reduces overall healthcare costs, and relieves taxpayers of the burden of government care for the uninsured. It further suggests that to be effective, healthcare insurance must be within the financial means of families and individuals. Unfortunately, our current healthcare delivery system allows for hidden and questionable healthcare expenses that continually drive costs higher, making it unreachable for many.

If you, your family, or a loved one believe you have been overcharged, denied proper treatment or provided unnecessary treatment in connection with insurance or billing issues, you may have legal rights to pursue justice. Contact Brownstein and Nguyen, your Atlanta healthcare whistleblower attorneys, for assistance regarding healthcare coverage issues, medical expenses and billing fraud.

Private Whistleblowers Help Fight Healthcare Fraud

The Primer on Whistleblowing in Healthcare, co-authored by Atlanta attorney Jay Brownstein, is an excellent resource regarding healthcare fraud. Healthcare fraud, including false and deceptive billing practices, costs taxpayers upwards of $80 billion each year. Healthcare fraud comes in many shapes and varieties, including fraudulent billing, kickback schemes, and other illegal practices. With Medicare and Medicaid paying the majority of these expenses, taxpayers ultimately pay the bill for healthcare fraud.Healthcare Fraud Spends Tax Dollars

In their article, Jay Brownstein and Kevin Little educate the public on what whistleblowing is, how it relates to the area of healthcare fraud, and what to do should healthcare fraud be suspected. They point out that healthcare providers and employees need to be aware of their rights, as there are many state and federal laws in place to protect them in whistleblowing instances. Additionally, an outline of what to look for in billing fraud, illegal referral fees or kickback schemes, and drug manufacturer or medical device fraud is included. The article also identifies steps to take to help protect oneself before reporting fraud or wrongdoing in the healthcare industry.

Each year, many courageous private citizens bring qui taim, or whistleblower lawsuits, to help the government recover billions of dollars in fraudulent healthcare claims. The Primer on Whistleblowing in Healthcare is a quick, informative read for those interested in the topic.

Shocked by those hospital bills? You are not alone.

Have you ever looked at a hospital bill with utter disbelief? You are not alone. Medical bills are the number one cause of personal bankruptcy filings in the United States. The cost of hospital care can be extraordinary, especially in light of the fact that many hospitals are operated as non-profits. Exacerbating the problem is the fact that most often patients in need of urgent care have no ability or opportunity to comparison shop. Hospitals essentially operate free from market constraints.

Medical BillsIt has recently come to light that due to the manner in which hospitals establish pricing for services, the retail or gross charges to patients (before insurance payments or discounts) are entirely arbitrary. Last year, author Steven Brill outlined some of the exorbitant costs of medical care in an important Time magazine special report titled “Bitter Pill”. Using the specific examples and powerful personal narratives of ordinary people who have suffered from unreasonably high medical expenses, Brill has exposed previously hidden truths about our healthcare system that help unravel the mystery of spiraling healthcare costs. Hopefully, Brill’s research and undeniable conclusions will help create a level playing field for the general public and policymakers in understanding how to combat and perhaps one day solve the problem.

One element of Brill’s research that seemed the most surprising was the existence and function of a hospital “chargemaster.” Before “Bitter Pill,” most of us had likely never heard of a chargemaster. As the name hints, a chargemaster is responsible for assigning the retail charges for all medical procedures, services, medications and supplies at a hospital. Using supporting visual references such as hospital bills and receipts, Mr. Brill does a superb job of documenting how charges can vary depending on a patient’s coverage. One example he uses is that of a chest X-ray in which a patient was charged $333.00. The same X-ray is covered for a Medicare patient at a rate of $23.83. Another example is a case in which a patient is charged $1.50 for one acetaminophen tablet (acetaminophen is the main ingredient found in the brand name painkiller Tylenol). The price for one tablet is in the same ballpark as what an entire bottle of the generic drug may be purchased for.

Bitter Pill is a great stepping stone into the discussion of fraudulent billing. More information can be found regarding the matter of fraudulent billing of Medicaid in the Primer on Whistleblowing in Healthcare , an article co-authored by Brownstein & Nguyen attorney Jay Brownstein. An experienced attorney who handles complex litigation matters, Jay Brownstein has consulted and represented clients in whistleblower cases. If you suspect that you have been overbilled or “up-coded” as a result of a hospital or nursing home stay, contact our trusted Atlanta attorneys for a free consultation regarding healthcare whistleblowing.