Chinese
The Law Office of Joshua L. Harmon is dedicated to providing the best legal representation possible. Specializing in the areas of Personal Injury, Bankruptcy, Criminal, DUI, Traffic and assisting in the restructuring of mortgage debt through the acquisition of Loan Modifications and loan restructuring. This aggressive representation is offered by our staff of attorneys in Nevada and Arizona. With the combined licenses of our staff we are able to offer representation in California, Nevada, Arizona, and Pennsylvania. To learn more about our law offices and our attorneys please visit our BIO’s page.
约书亚．哈蒙律师事务所为您提供最好的法律服务。我们精通人身伤害、破产、刑事犯罪、酒后驾车、交通罚单和在购房抵押债务获得修改房屋贷款及贷款重建等协助工作。
本律师事务所为内华达州和亚利桑那州提供法律服务。同时我们也有联合执照，可以为加利福尼亚州、内华达州、亚利桑那州及宾夕法尼亚州提供服务。如想了解我们律师事务所更多的内容，请登陆本公司网站。
_________________________________________________________________________
Why Loan Modification?
为什么修改房屋贷款？
» Reduce your loan balance (Principle Reduction)
减少你的贷款余额（本金减少）
» Lower your monthly payments
降低你的每月付款额
» Lower your interest rate
降低你的利率
» Fix your adjustable rate
固定你的浮动利息
» Waive negatively accrued interest
取消逆增长利息
» Grant extensions on payments
准予支付延期
» Re-amortize loan to include past due payments
重新安排分期偿还贷款包括过期付款
» Avoid Foreclosure
避免银行强行收购
» SAVE YOUR HOME
为你的家庭提供保障
If you are currently experiencing a hardship making your monthly payments to your mortgage company, take the time to read through our Loan Modifications webpages. Read more about how the loan modification services provided by The Law Office of Joshua L. Harmon can help you. Our Loan Modifications section of our website includes recent updates about the FHA changes (HPDP Press Release), Assembly Bill 149 (State of Nevada, foreclosure Law changes), Assembly Bill 152 (State of Nevada, rules for being a Loan Modification Consultant) and an ongoing list of changes that are being experienced during this mortgage crisis. Throughout 2009, there have been many changes in this industry and a lot of fluctuation in how lenders have been participating in loan modifications and various government programs. There is also a section in our loan modification area where you can download the required Loan Modification Forms.
如果每月偿还房屋贷款困难，那就请浏览一下“修改房屋贷款”（Loan Modifications）网页。约书亚．哈蒙律师事务所为你提供如何修改房屋贷款的更多的服务。网页中“修改房屋贷款”部分包括ＦＨＡ修改（ＨＰＤＰ新闻稿），立法案１４９条（内华达州银行拍卖屋权法律修改），立法案１５２条（内华达州正在修订的修改房屋贷款规定）和抵押危机期间一系列变化。2009年在这个领域中参与放款和多种政府项目中如何贷款已有很多变化和波动。可以在修改房屋贷款部分下载“修改房屋贷款表格”。
____________________________________________________________________
Car Accidents
汽车事故 Traumatic Brain Injury (TBI)
脑外伤 Slip and Fall
滑倒
Motorcycle Accidents
摩托车事故 Spinal Cord Injury
脊髓损伤 Animal Attacks
动物攻击
Truck Accidents
卡车事故 Paralysis
中风 Defective Products
不良品
Bike Accidents
自行车事故 Wrongful Death
非正常死亡 Home Injuries">Birth and Nursing Home Injuries
Pedestrian Accidents
行人事故 Dui accidents
酒后驾车事故 出生和幼儿护理伤害
WE SPECIALIZE IN PERSONAL INJURY
精通人身伤害
“Clients are the lifeblood of any law firm. You will speak directly with an attorney in all phases of your case. You deserve nothing less.” -Joshua Harmon
“顾客是律师事务所的生命线。把所有的问题都直接告诉律师。您将享受到优质服务。”――约书亚．哈蒙
“Accidents and injuries can throw your life into turmoil. You will likely suffer pain, miss work, incur medical expenses, need transportation, and have countless unanswered questions. Let me answer your questions and work towards getting you the maximum compensation for your injuries.” – Joshua Harmon
事故和伤害会让人陷入困境，遭受痛苦，失去工作，承担高额的医疗费用，增加交通开支，还有数不清难以回答的问题。让我们来帮您，让您在伤害中获得最大的补偿。――约书亚．哈蒙
Recent Results:
最近的结果：
Motor Vehicle Accident – 350,000
机动车事故取得索赔—350，000
Motor Vehicle Accident – 200,000
机动车事故取得索赔—200，000
Dog Bite – 98,000
狗咬伤取得索赔—98，000
Motor Vehicle Accident – 100,000
机动车事故取得索赔—100，000
Motor Vehicle Accident – 50,000 (policy limit)
机动车事故取得索赔—50，000（保险限制）
___________________________________________________________________________
The Law Office of Joshua L. Harmon specializes in providing services for people who are interested in filing Chapter 7 or Chapter 13 bankruptcy in Nevada or Arizona. There are many reasons that finally bring people to the decision to file Bankruptcy:
约书亚．哈蒙律师事务所精通内华达州和亚利桑那州破产第7章和第13章的内容，为大众提供服务。有很多原因会迫使人们申请破产。
» Medical Bills医疗账单
» Judgments 审查
» Wage Garnishments扣发工资
» Credit Card Debt信用卡债务
» Mortgage Debt抵押债务
» Stop Foreclosure阻止银行强行收购住房
A Chapter 7 Bankruptcy is the liquidation of all your debts without the necessity of having to make payments on a monthly basis. Your case is filed and completed in approximately 90-120 days. Chapter 7 is filed when there is no money leftover to pay creditors such as your credit cards each month. You may file for Chapter 7 bankruptcy every eight years, measured from the date of the earlier bankruptcy filing. For example, if you filed on August 1, 2000, you will not e able to file again until August 2, 2008.
破产法的第七章是有关不需要每月支付的债务结算。申请案例将在90至120天完成。申请第七章的条件是申请人已无余额支付给债权人。每8年允许申请一次第七章。如在2000年8月1日申请，下一次申请时间最早为2008年8月2日。
Under The Bankruptcy Reform and Consumer Protection Act of 2005-what we will simply refer to it as the “new law”, you must pass the “means test” in order to qualify for Chapter 7 bankruptcy. Failure to pass this test may result in the need to file Chapter 13 Bankruptcy. Chapter 13 Bankruptcy is commonly entitled Adjustment of Debts of an Individual With Regular Income. Chapter 13 Bankruptcy will result in a repayment plan for 3-5 years, wherein you make payments to the Bankruptcy Trustee. Upon completion of the 3-5 years or repayments, all of the debts being surrendered will be discharged. To learn more about the difference between Chapter 7 and Chapter 13 please visit the Bankruptcy section of our website. You will also find a list of items that may qualify as exemptions in Bankruptcy.
根据2005年破产修正法和消费者保护法（我们称之为“新法”），申请人必须通过“收入评估”方有资格申请破产第七章。如果没有通过收入评估，只能申请破产第十三章。该章用于调整有正常收入个人的债务。根据该章，可以制定一个3至5年的重新还款计划以支付给破产受托人。3至5年还款之后，所有放弃的债务将取消。详情请登陆本公司网站。你还能找到免除破产的细则条款。
_)_________________________________________________________
Criminal | DUI | TRAFFIC
犯罪、酒后驾车、交通事故
Do not face any court, the police, or an insurance company alone – get The Law Office of Joshua L. Harmon on your side. Call today to schedule a Free consultation to speak personally with an experienced Las Vegas speeding ticket lawyer.
无需您到庭，去应付警察、保险公司，约书亚．哈蒙律师事务所会为您办理这些事务。现在起打电话约定日期会有经验丰富的超速罚单律师亲自为您免费咨询。
Q. Free consultation? What is the catch?
免费咨询？
There is no catch. There are no strings attached. There are no hidden fees. No obligations.
没有附加条件。没有隐藏的费用。没有约束。
Reasons to hire an attorney to handle your traffic tickets
请律师解决您的交通罚单的理由
» Unemployment (if you drive professionally the accumulation of points can jeopardize your license/job)
失业（如果你驾驶违章积累到一定点数会危及到你的驾照和工作）
» Arrest Warrants (if you fail to answer traffic ticket on time, some courts will issue warrant)
拘留（如果未能及时回复交通罚单，法庭就会给你发传票）
» Points added to your license (accumulation of points can cause suspension or revocation of license)
点数增加可能会吊销和收回你的驾照
» Higher Insurance payments (citations make you a greater risk to insurance companies, and cause an increase in insurance rates)
支付高额保险（传票使你在保险公司有更大的风险，保险公司会提高你的保险费率）
» Driver’s license suspension/revocation(accumulation of points has consequences)
» Wasting valuable time in court
驾照暂时吊销/收回（点数积满的最后结果）
_____________________________________________________________________
The Sobering Reality of DUI Charges and Consequences
酒后驾车的指控和后果
» Jail – Incarceration
监禁—入狱
» Job loss
失去工作
» Loss of driver’s license
驾照吊销
» Insurance coverage issues
保险责任范围
» Vehicle impound, impound costs
车辆扣留，扣留费用
» Probation
察看
» Community Service
社区服务
» Alcohol education, treatment and assessment
酒后驾车的教育、治疗和评价
» Restricted interstate or international travel
州际和国际旅行的限制
Attorney Joshua Harmon will diligently gather the necessary documentation, apprise you of his legal opinion, and represent you against your adversaries. Mr. Harmon will return your phone calls promptly and offers a free consultation.
约书亚.哈蒙律师坚持不懈地为当事人收集证据，告知当事人对方法律意见，代表当事人打败其对手。哈蒙先生会及时给您回电话提供免费咨询。
loan modification, dui, criminal, bankruptcy, Josh Harmon, las vegas, Joshua L Harmon, attorney, personal injury, car accident, car wreck, auto attorney. Resources
修改房屋贷款，酒后驾车，刑事犯罪，破产，乔希.哈蒙，拉斯维加斯，约书亚.哈蒙，律师，人身伤害，汽车事故，汽车残骸，汽车律师。资源