Nachfolgend ein aktueller Artikel von “The Journal Gazette”, der einen Einblick gibt in die Prozessfinanzierungsmechanismen in den USA, ein Grund mehr, dass in den USA das Klagen so leicht gemacht wird.
Dubious ‘lawsuit lending’: With many significant bills pending in the General Assembly, some that carry long-lasting consequences are receiving little public attention. Obscured by the budget, redistricting, education, sentencing and other key legislation is a proposal to legitimize the questionable practice of “lawsuit lending.”
In lawsuit lending, a company advances money to someone filing suit, often a personal injury claim. In exchange, it receives a large part of whatever money the plaintiff recovers through a verdict or, more often, settlement. If the plaintiff recovers nothing, no money has to be repaid. But the company lending the money recoups money by charging “fees,” which sound suspiciously like interest rates.
The Indiana Code now has no language allowing or prohibiting the practice. Opponents say the bill seemingly offers consumer protections regarding the practice but in fact would give lawsuit lending specific approval in Indiana Code.
As for protecting consumers, the bill specifically states that such advances are not “loans” – and therefore not subject to state limits on interest rates. Insurance industry opponents say fees can be as much as 15 percent a month, and some plaintiffs have had to repay 250 percent of the advance.
The companies advancing the money consider the practice an investment that carries risk rather than a loan because they receive nothing if the plaintiff receives nothing ...Zum vollständigen Artikel