1st true anecdote: Multi year stop > start > offer settlement, revoke settlement > stall some more > offer a little less than last time > revoke 2nd settlement

1st true anecdote: Multi year stop > start > offer settlement, revoke settlement > stall some more > offer a little less than last time > revoke 2nd settlement offer then delay some more. what they have already acknowledged to themselves is its a valid claim and they will have to payout. But the interest income on your settlement for 4 years accrues to them, and wears you down so you'll be more disgusted, tired, and malleable for the final settlement negotiation. (they ended up paying a settlement of $1.7 million on a clear cut $3 mill permanent disability claim. (Real reason for settlement after 4 years? Insurance had to clear all litigations like this to complete merger with even bigger Insurance company.) 2nd anecdote: Atty Wraps up a slip-and-fall, and pays out settlement. Client says "I'm using this as a down payment on a house." Atty replies "Hey, if you're happy with my services, let me handle your closing for you? Client: "Why not?" missing the fact that the legal work fell outside of their practice specialization. Meanwhile, Seller takes a third mortgage out during closing and pockets 50k without reporting it. (Buyer's) atty fails to find this, and buyer gets a notice of delinquency 1 month after move-in. Seller is in another state. Atty: "aww heck, I missed this but my malpractice insurance will take care of it for you." Then stalls for more than two years to initiate the claim. Client finally realizes atty is trying to run out the clock and goes to directly insurer and is told we only pay claims if you sue your atty for malpractice and prevail. They needed a new lawyer, plus new litigation funds, plus it turns out (in NJ at least) there are precious few legal malpractice attorneys because lawyers hate that kind of work. “I never was ruined but twice; once when I prevailed in a lawsuit, and once when I lost it.” -quote attributed to Voltaire