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function changeQuestion(whichOne) {
switch (whichOne){
case "1":
var qst = "How long should a business wait before taking legal action to collect an over due account?";
var ans = "The likelihood of recovering overdue accounts receivable is enhanced by acting promptly to collect the debt. With each passing month a delinquent account becomes less collectible. If you take your debtors to court to compel collection, the key to a successful judicial result is good paperwork. Be able to document everything.";
break;
case "2":
var qst = "What are Mechanic's liens and are they effective collection devices?";
var ans = "Mechanic's liens are liens on the real estate that was improved by either the labor or material of the unpaid creditor on third party's real estate. Mechanic’s liens will survive the bankruptcy or insolvency of your company's customer. Mechanic’s liens convert an unsecured debt to a secured debt.";
break;
case "3":
var qst = "Are there any time limits to filing mechanic’s liens in Missouri and Illinois?";
var ans = "In Missouri, a lien claim must be filed within six months after the last date that labor or material was supplied to the jobsite. In most instances, a ten-day notice must be sent to the property owner before the lien is filed. Once the lien claim is filed, a lawsuit must be filed to enforce the mechanic’s lien.
In Illinois, material suppliers and subcontractors must give a written Notice of claim to the property owner (or tenant) and any lender no later than 90 days after furnishing the last labor and materials to the jobsite. The lien claim must be filed within 120 days of the last labor or materials delivered or used on the job site. Unlike Missouri, there is no requirement that 10 days elapse between the delivery of the Notice and the filing of the Lien. Once the lien claim is filed, a lawsuit must be filed to enforce the mechanic’s lien.";
break;
case "4":
var qst = "Are there different rules for filing a lien on owner-occupied real estate in Missouri and Illinois?";
var ans = "In both Missouri and Illinois different rules apply where the real estate subject to the lien is an owner occupied residence. In both Missouri and Illinois different rules apply where the general contractor, who dealt directly with the property owner, wants to assert a lien. Different rules apply when the project is a new residential subdivision.";
break;
case "5":
var qst = "What information should an invoice contain to make an enforceable lien claim?";
var ans = "Invoices for material should show the date of delivery to the job site, not just billing date. They should list the item descriptions, unit price, extended prices and total prices and the invoice should also show the job address or a description, such as a lot number and subdivision.
Invoices for labor should show the date of the work, the number of hours worked, the hourly rate and the total value of the hours worked per day. They should also state the job address or description.
There is special language that is required to be on the contract or the invoices for a party that contracts directly with the property owner. Although both Missouri and Illinois require special language, each state’s wording is different.";
break;
case "6":
var qst = "Are there any special concerns about lien waivers?";
var ans = "Yes. An absolute, unqualified lien waiver can be fatal to a lien claimant who has not been fully paid. To preserve lien rights, the remedy is to issue a \"qualified lien waiver.\"";
break;
case "7":
var qst = "Is there any protection equivalent to mechanic’s lien claims for public works projects?";
var ans = "Yes. State and federal public works projects of a certain dollar value require the general contractor to post a bond for the protection of subcontractors and material suppliers.";
break;
case "8":
var qst = "Are there any time limits for filing state or federal bond claims?";
var ans = "Federal projects (the \"Miller Act\") require that written notice by certified mail be given to the governmental entity, the general contractor and the surety within 90 days of the last date of furnishing labor or material to the job site.
In Missouri and Illinois, written notice usually must be given to the governmental entity, the general contractor and the surety. The bond specifies when the notice must be given. The statute of limitations can be as short as 90 days.";
break;
case "9":
var qst = "What can a business do when it receives a "bad check"?";
var ans = "In Missouri, a business may sue to recover a penalty of up to 3 times the face amount of the check, not to exceed $500.00, plus interest, court costs and an attorney's fee.";
break;
case "10":
var qst = "Can a credit application help a business collect money owed by a corporation or a limited liability company?";
var ans = "A corporation's or a limited liability company’s account should be personally guaranteed by the individual owners. Your debtor must list a bank account and other identifying information helpful to collecting the balance due.";
break;
case "11":
var qst = "Is a credit application beneficial for other reasons?";
var ans = "A credit application can obligate the debtor to pay some or all of the creditor's attorney's fee incurred in bringing suit.. The business can recover interest at 18% per annum instead of the 9% per annum allowed by law in Missouri. Depending on the nature of the claim, if a creditor does business in other states or locations, a credit application may permit the creditor to file suit in the county of its choice instead of the debtor's home state or county, which is the usual rule.";
break;
case "12":
var qst = "When should a business file a lawsuit in Small Claims Court?";
var ans = "In Missouri, small claims suits may be filed for up to $3000.00; in Illinois, small claims suits may be filed for up to $5000.00. A corporation can represent itself. There are few delays or continuances. There are some disadvantages, too. No Small Claims Judgment can be a lien on real estate.";
break;
}
var foot = "
This Answer is a general response to a typical situation. The Answer may not be applicable in every instance. The exact nature of your legal situation will depend on many facts not known to us at this time. You should understand that the advice and information in this Answer is general and that your own situation may vary.
";
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