1197 Canton Street Roswell, Georgia 30075
3333 Northside Dr. Suite A, Macon, GA 31210
info@lddlawyers.com
Business litigation often starts internally. We advise on preventive legal measures and aggressively represent businesses in complex breach-of-contract claims, partnership disputes, and in defending against allegations of fraud or corporate misconduct.
Yes. We specialize in Insurance Regulatory Law and litigate fiercely against carriers who improperly deny valid claims, misrepresent policy coverage, or systematically undervalue business losses. Our goal is to ensure you receive the full compensation your policy entitles you to.
The biggest legal risks are failing to use proper written contracts, misclassifying employees as contractors, and failing to protect intellectual property. We help structure your business from the ground up to mitigate future litigation risk.
For Consumer Class Action matters, we work on a contingency fee basis. This means you pay no attorney fees and incur no costs unless we successfully secure a financial recovery or settlement for you.
A class action is appropriate when a large group of people has been harmed in the same way by the same entity (e.g., false advertising, hidden banking fees, or defective products). Even small economic harm experienced by many can lead to a substantial collective recovery, which is what we are built to secure.
Generally, yes. You typically must receive notice and choose to "Opt-Out" of the class if you wish to pursue your own individual claim. We advise clients on whether their claim is better suited for a higher-value individual suit or the collective power of class action representation.
The total value of your claim is based on several factors: past and future medical expenses, lost wages and earning capacity, and compensation for pain and suffering. We use decades of data from similar car wreck and injury verdicts to calculate and aggressively pursue the maximum possible recovery.
Every state has a specific Statute of Limitations, which limits the time you have to file a claim. It is crucial to contact an attorney immediately, as missing this legal deadline means you forfeit your right to pursue compensation for your injury.
You should never accept an offer from an insurance company until an attorney has evaluated the full extent of your long-term medical needs and calculated the total compensation you deserve. The adjuster's goal is to minimize their financial payout. Our goal is to protect your future.
The timeline varies depending on the complexity of the case, but we strive efficient resolutions while ensuring the best outcomes. We offer an initial consultation to understand.
Did you know that in most states a DOI investigator can come to your office without
notice to review records. Investigators will show up at your office from time to time and sometimes just because they happened to be passing by and there is nothing
particularly they suspect you did wrong. Section 624.318(2), Florida Statutes, which provides:
Every person being examined or investigated, and its officers, attorneys, employees, agents, and representatives, shall make freely available to the department or office or its examiners or investigators the accounts, records,
documents, files, information, assets, and matters in their possession or control relating to the subject of the examination or investigation. An agent who provides other
products or services or maintains customer information not related to insurance must maintain records relating to insurance products and transactions separately
if necessary to give the department or office access to such records. If records relating to the insurance transactions are maintained by an agent on premises owned or operated by a third party, the agent and the third party must provide access to the records by the department or office.
While it not common do NOT let that a friendly stop by an investigator turns into an investigative subpoena when there isn’t cooperation. I recently had an office building
security guard deny access to an investigator (without the knowledge of the insurance agent) that led to a subpoena for records and an expensive legal bill to calm the situation and close down what should have never been an serious investigation.
Now, this is not criminal advice. If there is criminal activity alleged, have a criminal
lawyer work with an insurance regulatory lawyer to protect both your criminal and civil
rights.
Here is the area that I see most often leading to trouble.
This is the reason why I suggest not keeping an active license in states you make little or no sales. Many agents get a complaint in another state and say to themselves; I will just agree to the proposed punishment by the state regulator…I don’t make any money in that state anyway……WRONG. An admitted violation in one state is grounds for disciplinary action in all other states where you are licensed. States require you to report any discipline to the National Association of Insurance Commissioners, or to the state directly. Then those states, especially your resident state will most likely open an investigation.
You may say well I just agreed to a license suspension or revocation because it was cheaper than fighting. NO! you are just opening up a new fight 5 runs down because the Consent Order you signed in another state is akin to an admission. Most states will negotiate and hopefully allow a consent order with a no admissions clause or allow probation…just do not voluntarily agree to a suspension or revocation as it will come back to haunt you.
To quote from the United States Department of Labor website, “The Fair Labor Standards Act (FLSA) establishes minimum wage, overtime pay, recordkeeping, and youth employment standards affecting employees in the private sector and in Federal, State, and local governments. Covered nonexempt workers are entitled to a minimum wage of not less than $7.25 1 per hour effective July 24, 2009. Overtime pay at a rate not less than one and one-half times the regular rate of pay is required after 40 hours of work in a workweek.”
So basically, if you are an nonexempt employee you must be paid 1 ½ times your regular pay rate for all hours worked over 40 in your work week.
Generally, it is any employee that is not an exempt employee. Unless you are a bona fide executive, administrative, learned professionals (doctors, lawyers, etc.), certain computer employees are exempt from FLSA overtime, provided they meet specific salary level and job duties tests. So unless you are an exempt employee, you are generally available entitled to overtime for over 40 hours of work during the workweek.
WRONG! Whether you are paid hourly or receive as salary does not impact the overtime analysis. Nonexempt salaried employees still must be paid overtime.
Misclassification of employees is an area of much litigation in the overtime world. Many employers call certain employees managers or assistant managers to avoid paying overtime. Generally, you look to your primary duty, if you have a salary, and the management test:
Do you?
The short answer is legally, no you cannot be fired or discriminated against for but in reality it happens. However, when you complain to management about being shorted overtime pay you feel was due, you are engaged in protected activity. I have had employment cases where the claim the employer lost on (i.e. had to pay money) was not the original discrimination claim, but rather the retaliation claim against the employer for complaining. So you can sue for a retaliation firing in many cases.
So, the FLSA protects informal, internal complaints, lawyer demand letters, lawsuits, etc. The best course of action is usually to have a lawyer make an overtime demand. Making improper threats, demeaning comments, vague accusations, etc. could be a separate cause for discipline and you could lose your overtime protection rights from retaliation. I have had employment cases where the claim the employer lost on (i.e. had to pay money) was not the original discrimination claim, but rather the retaliation claim against the employer for complaining.
If you are truly an independent contractor, then generally you are not entitled to overtime, but are you really an independent contractor? Many employers misclassify workers in a misguided attempt to cheat them out of overtime.
Some factors to consider and make it more likely you are entitled to overtime are:
Most lawyers, including the lawyers at Lober & Dobson, LLC, will represent you on a contingency fee, meaning you will not owe us legal fees if we do not recover for you. Overtime cases generally use"one-way fee shifting," meaning if you win, your employer is legally required to pay your attorney’s fees and court costs in addition to your owed wages.
Liquidated Damages, which equal 100% of the unpaid wages owed (essentially doubling the amount you recover as a penalty to the employer).
Under federal ,you have 2-year statute of limitations for unpaid overtime claims from the date of the violation, which extends to 3 years if the employer's violation was willful.
You can file a collective action. Collective actions for overtime allow multiple employees who are "similarly situated" to join forces in a single lawsuit against an employer who has failed to pay required wages (like a class action). Under federal law, these wage theft or misclassification claims require affected workers to "opt-in" to the lawsuit to recover back pay. Often we start with one employee client and it evolves into a collective action. This is extremely helpful in pursuing wage theft claims as it adds pressure on the employer to resolve the case and do the right thing.
Hiring a lawyer is an important decision. Hiring a lawyer that is knowledgeable and experienced are important factors, well as hiring a lawyer that communicates with his clients, keeps you informed, and is well “likable”. At Lober & Dobson, our lawyers give our clients our cell phone numbers and communicate directly with clients, not through a wall of legal assistants and chatbots like some multi-state advertising firm.
We also have over 35 years of experience practicing laws. Michael J. Lober has represented employers and employees in numerous overtime cases. Having represented employers (both governmental and private employers), Mike has valuable insight in how labor views employment claims. We use that knowledge, our experience and our hands-on approach to maximize our clients’ recoveries.