Firearm trusts can be used to ensure privacy, create situations where multiple beneficiaries may use the trust firearms, and ensure that firearms do not fall into the wrong hands. Ohio Rev. Code 2923.131(B); 2921.01(E) and (F) (definition of detention and detention facility). Who has the duty to maintain and repair an easement? Ohio Rev. , Ohio recognizes the concealed carry licenses of any state that has one. With limited exceptions, a member of the firearms industry is not liable in damages in, and is not subject to a grant of injunctive relief in, a tort or other civil action for harm allegedly sustained by any person as a result of the operation or discharge of a firearm. A record of specific felonies, violent misdemeanors, or mental conditions may disqualify people from owning guns. k%2#N)/P -1340/R 4/StmF/StdCF/StrF/StdCF/U(-p\nuE\( )/V 4>> endobj 178 0 obj <>/Metadata 23 0 R/PageLayout/OneColumn/Pages 174 0 R/StructTreeRoot 50 0 R/Type/Catalog>> endobj 179 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageC/ImageI]/XObject<>>>/Rotate 0/StructParents 3/Type/Page>> endobj 180 0 obj <>stream Code 2923.16(D). Code 1533.85(C), 1533.83 (definitions). Regarding naming a trustee for the firearm trust, as with any other trust, there are factors to consider. That will determine what you need to do next, typically in most states if it is a rifle or shotgun, there's no registering it or paperwork. Ohio Rev. Ohio Rev. It depends in what state you reside in. This article was co-authored by wikiHow staff writer, Megaera Lorenz, PhD. All rights reserved. The section also deals with Ohio residents who hold a valid carry license issued by another jurisdiction. declaration that the transferor (seller) has taken reasonable steps to verify that the transferee (buyer) is the holder . She has also developed and taught Egyptology courses at The University of Chicago and Loyola University Chicago. *, With limited exceptions, anyone convicted within the preceding three years of a misdemeanor offense of violence, including those adjudicated a delinquent child for offenses that would qualify if committed by an adult. 859-577-7893. Ohio Rev. mmunition held in stripper-clips or in en-bloc clips is not considered ammunition that is loaded into a magazine or speed loader. Telephone: Contact the Canadian Firearms Program (CFP) at 1-800-731-4000. Ohio Rev. It is a crime to knowingly procure, solicit, persuade, encourage, or entice any other person to act in violation of these prohibitions. We have made every effort to report the information correctly, however reciprocity and recognition agreements are subject tofrequentchange. Code 4519.40(A)(5). Ohio Rev. While a simple Revocable Living Trust generally ends once your assets are distributed after your death, a Gun Trust can be designed to last for multiple generations, and it must take federal and state gun laws into account. See Ohio Rev. Capitol buildings include the capitol, atrium connector, senate building and state underground parking garage. For example, if you name multiple co-trustees to the firearm trust, then those co-trustees may each enjoy the use of the firearms in the firearm trust. However, law enforcement agencies may use the information a sheriff makes available through the use of the law enforcement automated data system for law enforcement purposes only. Ohio law allows both state residents and nonresidents who are employed in Ohio to apply for an Ohio license. U.S. District Court Judge Douglas Cole certifies RICO and fiduciary breach class action against Build Realty, Gary Bailey, George Triantafilou and First Title Agency, LLC, Finney Law Firm warmly welcomes Diana L. Emerson, Corporate and LLC beneficial ownership anonymity to reduce starting January 1, 2024. Ohio Rev. Now, lets dive into how to transfer a firearm registration of a deceased loved one. Despite being under the GCA, Title I Firearms are not largely regulated by the federal government, unless those Title I Firearms enter interstate commerce. Ohio Rev. Section 479.90a provides that an executor of an estate may possess a decedent's registered firearms but must apply to transfer the firearms to the decedent's heirs before the close of probate. 2023 Trustworthy Company | Courthouses. covers ownership transfers of guns upon disability or death. is provided for transfers of firearms to nonresidents to carry out a lawful bequest or acquisition by intestate succession. Ohio Rev. School safety zone means a school, school building and school premises (regardless of whether instruction, extracurricular activities, or training provided by the school is being conducted), school activity, and any school bus. A school activity includes any activity held under the auspices of a board of education, joint vocational, or cooperative education school district or a governing authority of a community school. Code 2923.129(B), (D). The best way to transfer firearms from a deceased person is to work with a business or individual who owns an FFL license. Regarding the type of trust used, you should consider creating a revocable inter vivos trust. A state and federal criminal background check is done on all applicants. Step 6 The sheriff will approve or deny the application within. This landed the state at 22nd on both the national gun law strength and gun death rank scales. hbbd```b``z"oV0"%ep\9`vg3`]@+&] AAg`{ ` 6\ The original NFA regulations on the manufacturing and transferring of Title II Firearms included requirements like (a) filing an application with the ATF; (b) paying a $200 stamp tax; (c) providing fingerprints; (d) providing photographs; (e) undergoing background checks; and (f) seeking approval from a Chief Law Enforcement Officer (CLEO). Trustworthy for life. It is unlawful to recklessly sell, lend, give, or furnish any firearm or dangerous ordnance to any person who is prohibited from possessing a firearm under state law, or any person who is under the influence of alcohol or any drug of abuse. Of course, the transferor/seller may not knowingly transfer a firearm to someone who falls within any of the categories of prohibited persons contained in the GCA. We have made every effort to report the information correctly, however reciprocity and recognition agreements are subject to, change. Lets say that in your Will you leave a collection of non-NFA guns to your daughter, who lives in another state. The person cannot knowingly be in any place where carrying a handgun is prohibited, even for a licensee (see below). However, if there is no estate plan, the surviving heirs at law are determined by Probate Court. It is a crime to carry or use any dangerous ordnance while under the influence of alcohol or any drug of abuse. The person transporting or possessing the handgun under the exception above cannot knowingly be in any place where carrying of a handgun is prohibited. *, Anyone who has been convicted of resisting arrest or interference with a lawful arrest of the person or another person within the preceding ten years (including those adjudicated a delinquent child for offenses that would qualify if committed by an adult).*. stream You can download the form for an intra-familial transfer here: The transferee is also required to have a Firearm Safety Certificate (FSC). Code 2923.20(A)(1). Call today at 561-571-8970. %PDF-1.6 % A copy of the application must be served on the county prosecutor, who must then investigate the matter and report to the court any objections to granting relief that the investigation reveals. It is unlawful to carry or use any firearm while under the influence of alcohol or any drug of abuse. g'_xA?|no~ 7UUaQ>/SD3gG2)fcjY}trGvA%=wEAi'"R%>7UHsN} )8bMl$U*Y[' wO9Y%b_l^4o,]KL+CfB%ixA]O"k"kA MJCm 9;4Ip&_QI4556OM~O_a4YBWEMrLR-9*4Ew%^C3s(wP(K1;PP='$08~Yq~x Once you know the law, take steps to ensure that you are making the transfer legally. The case of the $222,836.53 tree yet another win, this one with punitive damages and attorneys fees. No reader of this blog should act or refrain from acting on the basis of any information included in, or accessible through, this blog without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer licensed in the readers state, country or other appropriate licensing jurisdiction, 17W220 22nd St, Suite 300,Oakbrook Terrace, IL 60181, The information on this website is for general information purposes only. Third, you and your estate planner should consider the possibility that a trustee, who is eligible at the time the estate planner drafts your firearm trust, may later become ineligible. If you are planning to transfer a gun in Canada, you must first contact the Canada Firearms Program to confirm that your recipient is eligible to own a firearm. Those provisions might take the form of treating an ineligible successor trustee as predeceasing a successor trustee, or a trust protector provision that allows an individual to elect eligible successor trustees. An establishment serving the public may not prohibit or restrict a law enforcement officer or investigator who is carrying validating identification from carrying a weapon on the premises that the officer or investigator is authorized to carry, regardless of whether the officer or investigator is acting within the scope of that officers or investigators duties while carrying the weapon. Homebuyers are defying expectations. Gun laws are complicated, and they vary considerably from one place to another. You may want to a use trusts for a multitude of reasons, including, but not limited to, avoiding probate, maintaining control of assets after death, and tax minimization. Persons carrying under this exemption who possess or carry a handgun in a vehicle (as driver or occupant) are also required to comply with the law that applies to licensees carrying or having a concealed handgun in a vehicle (see below). % of people told us that this article helped them. We cover all the details in this week's @AltosResearch video There is a special rule for renewal for licensees on active duty in the armed forces of the United States or in service with the peace corps, volunteers in service to America, or the foreign service of the United States (incl. If youre struggling to find information about your states gun laws, visit your local police station to get advice. Code 2923.125(D)(1)(a), (b). The trustees and beneficiaries of the trust would have whatever rights you grant them in the terms of the trust. Code 2923.20(A)(3), (A)(5), (B), and (D)(4) (definitions). This does not apply to anyone at least 18 years old who is either: a law enforcement officer with firearms training approved by the Ohio peace officer training council or the equivalent, or an active or reserve member of the US armed services or the Ohio national guard, or who was honorably discharged from military service (active, reserve, or Ohio national guard) if the person has received firearms training. Please do not use this blog as legal advice, which turns on specific facts, as well as laws in specific jurisdictions. The ATF does many things regarding the federal regulation of firearms. Technically speaking, no. Ohio Rev. In 2017, she graduated with her PhD in Egyptology from The University of Chicago, where she served for several years as a content advisor and program facilitator for the Oriental Institute Museums Public Education office. Therefore, we recommend obtaining legal counsel before moving guns to a beneficiary who lives in a different state.. Ohio Rev. Code 2923.201. DeWine Signs Bill Protecting 2A in Emergencies, Ohio: Emergency Powers Passed, Headed to Governor DeWines Desk. Hair stylists help explain why. documentation showing that the applicant is an active or reserve member of the US armed forces (or has retired from or was honorably discharged from military service) or is a retired state trooper, retired peace officer or federal law enforcement officer and that as a result, the applicant acquired experience with handling firearms that was equivalent to the required training. Code 2923.16(L).). Ohio law has an exception to the unlawful carry offense (Ohio Rev. Step 6 The sheriff will approve or deny the application within forty-five (45) days of receiving it. Ohio Rev. Press Done after you finish the document. When the transfer of gun ownership is handled by an FFL dealer, the dealer holds the gun during a mandatory 10-day waiting period. Temporary emergency license. But ATF rules have removed some of the advantages of a Gun Trust for inheritance purposes. An automatic firearm means any firearm designed or specially adapted to fire a succession of cartridges with a single function of the trigger. The state also came in at a 13.7 gun death rate per 100,000 people average, above the national average of 11.9. There are some exceptions. Applicants must be at least 21 years old and lawfully resident in the United States (an applicant who became nonresident due to military or naval orders as an active or reserve member of the US armed forces is not disqualified as a nonresident). For tips on how to find out the laws concerning different types of guns, such as assault weapons, keep reading! Ohio Rev. This does not apply to any firearm on which no manufacturers serial number was inscribed at the time of its manufacture. any place of worship, unless it posts or permits otherwise. The very first thing to do though is contact your local police department. Code 2923.1210(A), (B). Gun Shows. Why Do Funeral Homes Take Fingerprints of the Deceased? The buyer is over 21 (if transferring a handgun). The court may restore the firearm persons rights on finding that (1) if the disability is based upon an indictment, a conviction, or an adjudication, the applicant has been fully discharged from imprisonment, community control, post-release control, and parole, or, if the applicant is under indictment, has been released on bail or recognizance; or, if the disability is based upon a factor other than an indictment, a conviction, or an adjudication, that factor no longer is applicable to the applicant; (2) the applicant has led a law-abiding life since discharge or release, and appears likely to continue to do so, and (3) the applicant is not otherwise prohibited by law from acquiring, having, or using firearms. A court must also award reasonable expenses (reasonable attorneys fees, court costs, expert witness fees, and compensation for loss of income) to any person, group, or entity that brings the action, to be paid by the political subdivision, if the person, group, or entity prevails in the lawsuit or the ordinance, rule, regulation, resolution, practice, or action or the manner of its enforcement is repealed or rescinded after the lawsuit was filed but prior to a final court determination of the action. in order to carry a concealed firearm in the state. As used in this law, firearm means any deadly weapon capable of expelling or propelling one or more projectiles by the action of an explosive or combustible propellant, and includes an unloaded firearm and any firearm that is inoperable but that can readily be rendered operable. According to the Ohio Attorney General's handbookon carrying, active duty does not include full-time National Guard duty. Anyone who has been adjudicated as mentally defective or incompetent or who has been involuntarily committed to a mental institution. The open carry of firearms is a legal activity in Ohio.. Finally, understanding recordkeeping requirements are crucial. RECIPROCITY NOTES: Colorado, Florida, Maine, Michigan, New Hampshire. If the denial is based on a failure to pass the criminal background check, the applicant may challenge those results and the time to appeal is suspended while that challenge is pending. It is unlawful to negligently fail to take proper precautions to secure dangerous ordnance against theft, acquisition or use by an unauthorized or incompetent person, and to negligently fail to take precautions to insure the safety of persons and property. YOU MUST ABIDE WITH ALL LAWS: STATE, FEDERAL AND LOCAL. Code 2923.11(B)(1) (definition of firearm as any deadly weapon capable of expelling or propelling one or more projectiles by the action of an explosive or combustible propellant. Exceptions to this ban include a person in possession of a valid concealed handgun license (or carrying as an active duty member of the armed forces with valid military ID and proof of qualifying training) in a courthouse that provides a type of gun check-in service, where the person carrying turns over the handgun to the officer who has charge of the courthouse or building. Code 2305.401. Ohio Rev. A private seller means a person who sells, offers for sale, or transfers a firearm or ammunition and who is not a federally licensed firearms dealer. As a result, the trustee is now subject to an immediate FOID requirement. It is a crime to knowingly convey or attempt to convey into, or possess dangerous ordnance at, a school safety zone. See 18 U.S.C. A school safety zone. Ohio Rev. Ohio Rev. See Ohio Rev. Code 2923.19. Code 1533.85(A), provides that the owner, operator, or user of a shooting range is not liable in damages in a civil action to any person for harm allegedly caused by noise at the shooting range, or the failure to limit or suppress noise at the range, if the owner, operator, or user substantially complies with noise rules prescribed by the Chief of the Division of Wildlife pursuant to Section 1533.84. Code 2923.16(L). Code 2923.21(A)(1), (A)(3), (A)(4), (A)(6). Ohio Rev. So, while the GCA may not impose many federal restrictions on firearms, it still has teeth. endobj It does not need to specify an expiration date, but the issuing authority may specify an expiration date as it considers advisable but that cant be less than a year. My boyfriend gave me his gun and he died before he could get it registered to me. Regarding naming beneficiaries, you should name eligible beneficiaries. (2) For other firearms, that no ammunition is in the firearm, no magazine or speed loader containing ammunition is inserted into the firearm, and either there is no ammunition in a magazine or speed loader that is in the vehicle and that may be used with the firearm, or any magazine or speed loader that contains ammunition that may be used with the firearm is stored in a compartment within the vehicle that cannot be accessed without leaving the vehicle or is stored in a container that provides complete and separate enclosure. completion of a firearms safety, training, or requalification or firearms safety instructor course, class, or program that was offered by or under the auspices of a national gun advocacy organization and that complies with the minimum requirements in Section 2923.125(G). Code 2923.21(A)(2), (A)(3), and (B). Familiarize yourself with gun laws in your area before attempting to sell or give away a firearm. Code 2923.11(K). App., 5th Dist. Code 2923.121(A), (B)(1)(e) (exception). Code 2923.125(D)(1)(c) to (i); exceptions at 2923.125(D)(4) and (5). You should know the laws that apply to buying firearms as gifts for another person. No person is eligible to receive a license unless the person is eligible lawfully to receive or possess a firearm in the United States. It is a crime to possess, in a school safety zone, an imitation firearm and indicate that it is an actual firearm. The transferee will need to provide proof of age, identity, California residency, and eligibility to own a handgun (e.g., a Handgun Safety Certificate). @6;22{m_g\m!,=^P4 ?Gn(5+,~'gOuLFWKS#B/P4Ox3Q"+Xaf#?TqC/^@{"Y$KW>B6_Gfoc=1LW{h1Px_* ^MNE. FOID card, the law provides for a sixty (60) day grace period. Deleting A Facebook Account When Someone Dies (Step by Step), How Do I Stop VA Benefits When Someone Dies (Simple Guide), How To Find A Deceased Person's Lawyer (5 Ways). Anyone under indictment for or charged with a felony, certain illegal drug offenses, a misdemeanor offense of violence, negligent assault, or falsification of a concealed handgun license. Ohio Rev. Code 2923.1210. If you are convicted of a crime that makes you ineligible to own a gun, you have 60 days to transfer the gun to someone else. The recently passed new Illinois Trust Code. The eligibility check costs $20, and the application can be found here: Most people must have a Firearm Safety Certificate (FSC) or Handgun Safety Certificate (HSC) before they can purchase or own a gun in California. Code 2923.162(A)(1), (B)(1). Code 1533.85(B). State law prohibits any person who is under detention at a detention facility from possessing a firearm or other deadly weapon. Fingerprints are required and a background check will be done. It is a crime to knowingly possess a firearm or dangerous ordnance in a school safety zone. Code 2961.01(A)(1), (2). However, a landlord may not prohibit or restrict a tenant who is a licensee, or the tenants guest while the tenant is present, from lawfully carrying or possessing a handgun on residential premises covered by a rental agreement between the tenant and landlord, unless the property is a dwelling unit that is owned or operated by a college or university. The sale and providing law also does not apply to a handgun if the minor is at least 18 years old and either a law enforcement officer who is properly appointed or employed and has received firearms training approved by the Ohio peace officer training council or the equivalent, or an active duty member of the US armed forces who has received firearms training that meets or exceeds the training requirements needed to obtain a state concealed carry license. Code 2923.125(D)(1). Ohio Rev. &&K/{. Under California law, any gun that does not have a fixed magazine is considered an assault weapon, even if a tool is required to remove the magazine. Contact us today for further information or visit Tuohy Law Offices now. The licensee then takes care of all the legal procedures for the transfer. Pursuant to the NY Safe Act, when a gun owner dies, the law states that within fifteen (15) days of the death of the owner, the person in charge of the decedent's personal belongings must either: 1) lawfully dispose of the gun (s); or 2) turn the gun (s) over to the police. For any particular situation, a licensed local attorney must be consulted for an accurate interpretation. Dangerous ordnance generally includes an automatic or sawed-off firearm, zip-gun, or ballistic knife; a firearm suppressor; and any explosive device or incendiary device, but excludes any firearm that employs a percussion cap or other obsolete ignition system or that is designed and safe for use only with black powder; any firearm with an overall length of at least 26 inches that is approved for sale by the federal ATF as not regulated under the National Firearms Act, and item that is inoperable or inert and cannot readily be rendered operable or activated, and that is kept as a trophy, souvenir, curio, or museum piece. Platforms that make managing rentals a breeze. Licenses. comply with any lawful order of any officer given while the motor vehicle is stopped, including, but not limited to, a specific order to keep the persons hands in plain sight. International & United Nations Gun Control, Micro-Stamping | Ballistic "Fingerprinting", Second Amendment & Right to Keep and Bear Arms, Women On Target Instructional Shooting Clinics, Volunteer At The Great American Outdoor Show, Marion P. Hammer Women Of Distinction Award, Women's Wildlife Management / Conservation Scholarship, National Youth Shooting Sports Cooperative Program, http://www.ohioattorneygeneral.gov/Law-Enforcement/Concealed-Carry/Concealed-Carry-Reciprocity-Agreements, https://www.atf.gov/rules-and-regulations/permanent-brady-permit-chart, https://www.lsc.ohio.gov/documents/gaDocuments/analyses129/11-hb54-129.pdf, Ohio: 2023 Legislative Session Convenes Today, Ohio: Gov. For additional information, see the Ohio Legislative Service Commissions bill analysis on HB 0054, the 2011 amendment to the law at https://www.lsc.ohio.gov/documents/gaDocuments/analyses129/11-hb54-129.pdf, and The Restoration of Rights Project at https://ccresourcecenter.org/restoration. 4270 Ivy Pointe Boulevard, Suite 225 It is also illegal to sell or furnish a firearm to a person aged 18 years old or older if the seller knows, or has reason to know, that the person is acquiring the gun to sell or furnish the gun to someone under 18 (other than as allowed above). You can also try selling the gun. Code 2923.11(E). Restoration of rights under this law is not available to anyone who has been convicted of or pleaded guilty to a violation of Ohio Rev. However, if you create a firearm trust, one of the many results is flexibility of ownership. Code 109.69(B)(1) and (2). <> It is also a crime to knowingly possess or have under the persons control dangerous ordnance in a courthouse or any building or structure in which a courtroom is located. Otherwise, absent a reciprocity agreement, an Ohio resident holding a license from another jurisdiction may carry based on that license for a period of six months after the person became a resident of Ohio. If you're not sure whether the person in question is eligible to own a firearm, ask them to request a personal firearms eligibility check from the DOJ. Whether you are selling the gun or giving it away, you will need to complete a transfer of ownership. Code 5502.63(A). Law Enforcement/Retired Law Enforcement. Also, the transferor must keep a record of the transfer for a minimum of ten years. Ohio has no laws generally restricting assault weapons or large capacity magazines. Loss and restoration of civil/firearms rights A. Ohio Rev. Prohibited from possessing a gun under any state or federal law; Have been a patient in a mental health facility in the past five years; Adjudicated as a mentally disabled person; Involuntarily admitted into a mental health facility; or. Ohio Rev. What To Do If Your Deceased Parents' Home Is In Foreclosure. 0 Member of the firearms industry means any manufacturer, dealer, or importer of firearms, firearms components, or firearms ammunition or any trade association the members of which, in whole or in part, are manufacturers, dealers, or importers of firearms, firearms components, or firearms ammunition. A transfer of gun ownership requires a mandatory background check of the recipient which is done by the gun dealer to confirm whether the person is eligible to possess firearms or not. Responsible Persons specifically refers to partnerships, associations, companies, corporations, and trusts. The temporary emergency license lasts for 90 days and may be renewed once, after at least four years from the date of initial issuance have expired. Code 2923.20(A)(8). The statement should explain how the recipient is not a prohibited person under either state or federal law and can legally possess a firearm., However, there may be additional requirements in your specific state. Code 9.68(A), reserves to the state legislature the right to regulate the ownership, possession, purchase, other acquisition, transport, storage, carrying, sale, other transfer, manufacture, taxation, keeping, and reporting of loss or theft of firearms, their components, and their ammunition, and prohibits any manner of ordinance, rule, regulation, resolution, practice, or other action enacted or enforced by a political subdivision in conflict with this provision. For example, they may not be old enough or they may have a criminal record. Fraudulent transfers of assets to defraud creditors is a major "no-no." Ohio Admin. The FFL uses the gun ownership transfer form to facilitate the transfer to the recipient. 3 0 obj To prevent uncertain post-death estate management in the future, you can use Trustworthy. This initiates a background check with the state Department of Justice. This applies only if the vehicle is in a location where it is otherwise permitted to be, and any firearm and all of the ammunition remain inside the vehicle while the person is physically present inside the vehicle, or are locked within the trunk, glove box, or other enclosed compartment or container within or on the vehicle. The consumers merely had to overcome certain hurdles. The application for a concealed handgun license is made to the local sheriff where the applicant lives or any adjacent county, or in the case of a nonresident, the sheriff of the county where the applicant is employed or any adjacent county. Code 2923.211(B). This does not include providing a firearm or handgun to the minor for lawful hunting, sporting, or educational purposes, including instruction in firearms or handgun safety, care, handling, or marksmanship under the supervision or control of a responsible adult. The court may grant any injunctive relief it finds appropriate. $P+Ga}"EkYl|,Lo6+ss!SSrLXU&!w_/rJ(bO. With limited exceptions, a member of the firearms industry is not liable in damages in, and is not subject to a grant of injunctive relief in, a tort or other civil action for harm allegedly sustained by any person as a result of the operation or discharge of a firearm. See also Ohio Rev. Federal law doesnt prevent her from picking them up and driving them home across state lines. <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> A sheriffs denial of a temporary emergency license must be in writing and may be appealed. Code 128-4-01(A) (definition). @nyt https://is.gd/G7GUyV, Home prices in the West are getting hit harder, in part due to the tech boom and bust, which helped fuel a speculative investing (not rental income investing) boom and bust. The Trust is an entity you create that holds the title to your firearms. Carefully consider the advantages and disadvantages before setting up a Trust; dont fall for aggressive lawyers sales pitches without doing your own research or getting a second opinion.
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