Attorney Richard A. Pignatiello | October 2012 Newsletter
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October 2012 Newsletter

October 1, 2012

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This publication is intended to educate the general public and is for information purposes only and is not intended to be legal advice. Prior to acting on any information contained here, you should seek and retain competent counsel. The information in this newsletter may be freely copied and distributed as long as the newsletter is copied in its entirety.

the girl my mother wanted me to marry

You know the girl your mother was crazy about and wanted you to marry? She wanted you to marry her even though you were just friends? For me, that girl is Toni Gagliardi.

Toni and I have been friends for, well let's just say since we were in our early 20's. My mother was crazy about Toni. Everyone is. My mother would beg me and my three brothers, "one of you is going to marry Toni, because I want to keep her in our family".

Today Toni is known as Toni Turchi. Toni, her husband Ray and their son Anthony are poeple I want you to meet. The best way I know to tell you Toni's story, is to ask you to go to www.ToniTurchiFoundation.org and let Toni tell you. Please watch the 4 minute video the Cleveland Clinic made with Toni. If you do nothing else or stop reading right here, just do that one thing for four minutes and fifty-seven seconds.

And now I want to make you an offer you can't refuse.

This month, October 2012, I want you t ocall and come see me. I want you to finally get aroudn to writing that will. Or updating the one you already have. Transferring that deed that has been in your drawer collecting dust. Getting your living will and health care power of attorney done. But I refuse to take any payment for doing this work for you. Not one dollar.

Instead, I will ask you to make a tax deductible donation to the Toni Turchi Foundation. It is a 501 (c) (3) charitable organization established to raise funding for research and development to prevent breast cancer.

If you already have all your ducks in a row and your forms are done, signed, copied, and filed, that's fantastic. Pass this along to your family, friends, or neighbors. I hope you never need my services. But if you do, I want you to do it this month and do it for Toni.

My mother was very disappointed when Toni didn't marry into our family. But this month, with your help, let's work together with Toni to stop the disease that is taking away the women in our lives who nurture our families.

Richard A. Pignatiello's signature


WHEN BILL COLLECTORS GO TOO FAR: what you can do

Debt collectors take their jobs very seriously. In some cases, however, they can take their duties too far and end up relying on abusive tactics to acheive their goals. Knowing what's permissable by law can help you take action if a debt collector has crossed the line.

To be fair, many debt collectors are careful to follow the rules set forth under the Fair Debt Collection Practices Act, or the FDCPA, which lays out what actions qualify as abuse by collectors. Thought this Act does not regulate collectors who are collecting for the original creditor, it does prohibit those working for collection agencies from harassing those from whom they are trying to collect the debt.

The most common forms of abuse from debt collectors include:

  • Calling you repeatedly or at unreasonable times (before 8 a.m. or after 9 p.m.)
  • Calling you without identifying themselves as debt collectors
  • Contacting you at work when it is prohibited by your employer
  • Using obscene or profane language
  • Threatening you with violence
  • Claiming that you are in debt for more than you owe
  • Falsifying themselves as attorneys
  • Claiming that without payment, you will be imprisoned or that you'll lose your property
  • Tacking on additional fees, interest, or charges
  • Contacting third parties behind your attorney, crediting report bureaus or the original creditor

If you suspect a debt collector has gone too far, there are steps you can take. First, in writing, tell them to stop. Next, you should document all abusive actions taken by the agency. Try having witnesses present for calls or recording phone conversations if your state allows it.

You also should file a complaint with the Federal Trade Commission (FTC), including as much information as possible on the problem and the agency. The complaint should be sent to the original creditor, the collection agency, and your state agencies that govern debt collectors. Finally, if you were the victim of repeated, substatial abuse, you may be able to take legal action against the collector and collect money damages.

Toni Turchi FoundationToni Turchi

My name is Toni Turchi; I reside in Aurora, Ohio with my husband and eleven year old son. In March 2011, I was diagnosed with triple-negative breast cancer, a type of cancer that is extremely aggressive and more likely to recur than any other type of breast cancer. I've endured 17 weeks of chemo, a double mastectomy, and 30 rounds of radiation. It's true what they say; your life can change in an instant. Learning of the prognosis regarding my form of cancer definately put skid-marks in my life, and I can honestly say that in many ways, cancer is the best thing that's ever happened to me. It has forced me to live in a way that I've always wanted to...for this day only. I take nothing or no one for granted. I've discovered what really matters in this lifetime. It's not money, materialistic "stuff", accomplishments, and certainly not what status you are in society. All of these things suddenly become irrelevant when you're challend by adversity. From the beginning of my diagnosis, I told my little boy "we could either sink, or swin, and sinking isn't an option". I have no choice but to trust that God is in control and I'm not. It's been a long fifteen months and I've accepted my situation.

Each year, 1 in 8 people are diagnosed with breast cancer. 1 in 5.5 right here in the state of Ohio. North East Ohio Race for the CureDuring this past year, I've met some of the most courageious women (and men) battling this disease and I've lost two friends, both leaving behind children. We've been "racing for the cure" since 1983. The madness has to stop! This disease is taking away the nurturers of our families.

This past year, I launched the Toni Turchi Foundation, a 501(c)(3) tax-exmpt corporation whose mission is to raise awareness and funding for cancer research aimed at developing new prevention methods as well as targeting therapies for TNBC. I've joined forces with Dr. Vincent Tuohy, an immunization scientist at the Cleveland Clinic. In 2010, Dr. Tuohy was named Innovator of the Year for his groundbreaking work on a breast cancer vaccine that may one day prevent the disease of breast cancer and perhaps even revolutionize strategies to fighting all caners. The initial cost to make the vaccine is an estimated $1.8 million, a small part of the $6 million for all of the costs associated with conducting a clinical trial approved by the Food and Drug Administration. Taht's not a lot of money according to anyone's medical standards. Especially when you're talking about saving lives. You can learn more about Professor Tuohy via my website at: www.ToniTurchiFoundation.org.  Click on my video as well to learn more about my mission.

If Jonas Salk can discover a vaccine for the 1950's polio epidemic, then why can't we eradicate the disease of breast cancer?

autumn...BEAUTIFUL BUT TRICKY ON THE ROADS

Autumn may be pictureeque, scenic, crisp, and a host of other positive adjectives, but there are dangers unique to this season.

The sight and sound of leaves rustling across the landscape are emblematic of autumn, but when leaves are wet, they can turn roadways into slippery menaces. Slow down and take it easy around turns. Allowing extra following distance between your car and the vehicle in front of you is wise. Leaves can also obscure potholes waiting to give your car a jolt.

Never drive through piles of leaves along the side of the road. Children love burrowing into these piles, playing and hiding. Steer clear to avert tragedy.

Don't park your car over a mound of leaves. A hot exhaust system combined with leaves may result in a combustible situation.Autumn leaves

Keep in mind that falling temperatures can lead to a layer of slick frost forming on roads and streets, especially on bridges and overpasses.

Dwindling daylight equates to more nighttime driving...with more people out and about since it's still early. Drive defensively.

One last thing - deer are on the move in autumn, which is an active breeding time for them, not to mention that hunters stir them up a bit. If you see a deer crossing the road, others may soon follow, as they often travel in groups. Most deer-car collisions occur between dusk and midnight from October through December. If a deer bounds across the road in front of you, do not swerve to avoid it, as this can cause you to hit a fixed object or an oncoming vehicle, which can cause more harm than striking the deer.

This publication is intended to educate the general public and is for information purposes only and is not intended to be legal advice. Prior to acting on any information contained here, you should seek and retain competent counsel. The information in this newsletter may be freely copied and distributed as long as the newsletter is copied in its entirety.

Contact Attorney Richard A. Pignatiello Today

We invite you to contact the Ohio law office of Richard A. Pignatiello at 216-524-1000 to schedule a free, initial consultation with our lawyer regarding your legal needs. We return phone calls within 24 hours. In addition to our regular office hours, evening and weekend appointments are available upon request. We offer payment plans.

The law office of Richard A. Pignatiello is based in Seven Hills, Ohio. We represent clients throughout the cities of Independence, Bedford, Parma, Brecksville, Broadview Heights, North Royalton, Strongsville, Berea, Middleburg Heights, and Valley View, as well as Cuyahoga County and Medina County.

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