Questions on advance
If someone wants to lend you money, a lawyer can't stop them. If a loan company wants to lend you money because you were in an accident, and they want to get paid back with the settlement proceeds, the loan company will insist on getting your lawyer to sign off on the loan agreement before they lend you the money. That is because they will use that to make the lawyer pay them back directly out of the settlement proceeds before you get a penny. Your lawyer does not have to sign that agreement if he thinks it is not in your best interest. He can't stop them from loaning you money, but he does not have to sign off on loan paperwork. Without his signature, the loan company likely won't loan you the money.
Most personal lawyers don't want their clients to borrow money from loan companies that target people that have been in an accident. Those loans are non-recourse - meaning you don't have to pay it back if your case is lost. Because it is a non-recourse loan, the companies don't have to follow lending laws that protect consumers from companies that charge ridiculous fees and outrageous interest rates. Even small loans from those types of companies end up costing you way more than they are worth. Clients that get those loans often end up with very little to nothing from settlement of your case because it all goes to pay off the loan.
Your attorney can't prevent you from getting a loan or advance but can refuse to participate in the transaction. Getting an advance on a settlement is never a good idea.
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