Town of Sanctuary Truck Accident Lawyer: Fighting for the Injured After 18-Wheeler and Commercial Vehicle Wrecks

The North Texas highways that surround Town of Sanctuary are some of the busiest freight corridors in the United States. When you are traveling on I-20, I-30, or Highway 199, you are often surrounded by 80,000-pound missiles operated by drivers under extreme pressure. In a split second, a routine drive through Parker County can turn into a life-altering disaster. If you or a loved one has been involved in a collision with a semi-truck, a delivery van, or an oilfield vehicle, you aren’t just dealing with a car wreck—you are facing a legal and medical emergency.

At Attorney911, we understand that Town of Sanctuary residents need a fighter who knows the territory and the law. Our managing partner, Ralph Manginello, has spent over 25 years in the courtroom holding massive trucking companies and Fortune 500 corporations accountable. Since 1998, we have gone toe-to-toe with the world’s largest entities, including BP in the landmark Texas City refinery litigation. We bring that same level of aggression and federal court experience to every Town of Sanctuary truck accident case we handle. You are more than a case number to us. As our client Chad Harris noted, “You are NOT just some client… You are FAMILY to them.”

When you’re hit by a commercial vehicle, the clock starts ticking immediately. The trucking company’s insurance adjusters and lawyers are often on the scene before the ambulance even reaches the hospital. They are already working to minimize your claim. You need a team that moves just as fast. We send out immediate spoliation letters to preserve black box data and electronic logs before they can be overwritten. If you are hurting, don’t wait for the insurance company to do the right thing. They won’t. Call us today at 1-888-ATTY-911 for a free, no-obligation consultation.

Why Truck Accidents in Town of Sanctuary Demand Specialized Legal Expertise

A standard car accident involves two drivers and two insurance policies. A Town of Sanctuary truck accident is a different animal entirely. When an 18-wheeler is involved, you are navigating a complex web of federal regulations, multiple liable parties, and multi-million dollar insurance policies. Most personal injury firms handle car wrecks; we specialize in the high-stakes world of commercial vehicle litigation.

Our firm offers a unique advantage that most other North Texas lawyers cannot match. Our team includes Lupe Peña, an associate attorney who spent years working inside a national insurance defense firm. He used to defend the very companies we now sue. Lupe knows their playbook, he knows how they value claims, and he knows the exact tactics they use to lowball victims in Town of Sanctuary. This insider knowledge allows us to anticipate their moves and push for the maximum possible settlement. We don’t just guess what the insurance company is thinking—we already know.

Whether you were struck by a Walmart 18-wheeler on the interstate or an Amazon delivery van on a residential street in Town of Sanctuary, the physics are against you. A typical passenger vehicle weighs about 4,000 pounds. A fully loaded commercial truck can weigh 80,000 pounds. That 20-to-1 weight disparity means that even a low-speed collision can result in catastrophic injuries. Our firm has recovered multi-million dollar settlements for victims of traumatic brain injuries and amputations. We have the resources to hire accident reconstruction experts, medical specialists, and life care planners to prove the true cost of your injuries.

Don’t let a corporate legal team intimidate you. We have litigated against giants like Walmart, Amazon, FedEx, and UPS. We know how to cut through their “independent contractor” defenses and find the insurance coverage you deserve. If Town of Sanctuary roads have been the site of your tragedy, let us be the ones to help you rebuild. Hablamos Español. Llame al 1-888-ATTY-911.

The 48-Hour Evidence Preservation Rule: Why You Must Act Now

In the world of commercial trucking, evidence has a shelf life. Every 18-wheeler passing through Town of Sanctuary is equipped with an Engine Control Module (ECM), often referred to as the truck’s “black box.” This device records critical data points: speed, braking activity, throttle position, and even whether the driver was wearing a seatbelt. However, this data can be overwritten in as little as 30 days—or even sooner if the truck is put back into service.

The moment we are retained for a Town of Sanctuary case, we issue a formal spoliation demand to the trucking company and their insurer. This legal notice requires them to preserve:

• ECM/Black Box Data: To prove the driver was speeding or failed to brake.
• ELD (Electronic Logging Device) Logs: To identify hours-of-service violations and driver fatigue.
• Driver Qualification Files: To see if the company hired a driver with a history of dangerous violations.
• Maintenance Records: To determine if faulty brakes or worn tires caused the crash.
• Netradyne/Dashcam Footage: Many corporate fleets, including Amazon vans seen in Town of Sanctuary, use AI-powered cameras that record driver behavior in real-time.

If you wait weeks to hire a lawyer, this evidence might be gone. The trucking company isn’t going to volunteer this data; they are going to hope you don’t know it exists. Ralph Manginello and his team have the federal court experience to subpoena these records and use them to build an airtight case. As client Angel Walle said, “They solved in a couple of months what others did nothing about in two years.” Speed is the key to victory in Town of Sanctuary trucking litigation. Call 888-ATTY-911 immediately to lock down the evidence.

Understanding the Liable Parties: Who Really Pays for Your Injuries?

One of the most common mistakes victims make is assuming they can only sue the truck driver. In Town of Sanctuary truck accidents, we look deep into the supply chain to identify every entity that contributed to the crash. More defendants mean more insurance pools, which is essential when injuries are life-altering. We investigate up to 16 different liable parties, including:

1. The Truck Driver: For direct negligence like speeding or distraction.
2. The Trucking Company: For negligent hiring, training, and supervision.
3. The Corporate Parent (Brand Owner): If a Walmart or Coca-Cola truck is involved, we look to hold the parent corporation liable.
4. The Cargo Owner/Loader: Improperly secured loads cause rollovers and spills on Town of Sanctuary roads.
5. The Freight Broker: For hiring a carrier with a known bad safety record.
6. The Maintenance Provider: If a third party failed to fix the truck’s brakes or tires.
7. Manufacturers: For defective parts like steering systems or tires.
8. Oilfield Operators: In cases involving water trucks or sand haulers near Town of Sanctuary, the oil company may be liable for worksite safety failures.

Large corporations like Amazon often try to hide behind “independent contractor” structures to avoid liability. They claim the driver who hit you doesn’t work for them. We know how to pierce those shields. If Amazon sets the route, dictates the schedule, and monitors the driver with cameras, they are an employer in the eyes of the law. We don’t let these companies hide. Whether it’s a rental truck company that gave a 26-foot box truck to an untrained driver or a government transit agency, we find the responsible parties and make them pay.

Navigating Federal Motor Carrier Safety Regulations (49 CFR)

Commercial trucking is one of the most heavily regulated industries in America. Every truck driver passing through Town of Sanctuary must comply with the Federal Motor Carrier Safety Administration (FMCSA) regulations. When a driver or company breaks these rules, it isn’t just a mistake—it’s evidence of negligence. We use the Code of Federal Regulations to prove our cases:

• 49 CFR Part 395 (Hours of Service): Drivers are generally limited to 11 hours of driving after 10 consecutive hours off. Fatigue is the leading cause of 18-wheeler wrecks. If a driver was over their limit while driving through Parker County, they were a danger to everyone on the road.
• 49 CFR Part 391 (Driver Qualification): Companies must ensure their drivers are medically fit and properly licensed. Hiring a driver with a history of DUIs or medical issues is a direct violation.
• 49 CFR Part 382 (Drug and Alcohol Testing): Commercial drivers must undergo random testing. A positive test or a failure to test after a crash is a major red flag.
• 49 CFR Part 393 & 396 (Parts & Maintenance): Trucks must undergo systematic inspections. If an 18-wheeler had “out-of-service” defects in its brakes or tires when it hit you in Town of Sanctuary, the company is liable for your injuries.

Ralph Manginello’s 25+ years of experience has taught him that these violations are rarely isolated incidents. They are usually part of a corporate culture that puts profit before safety. We dive into the company’s CSA (Compliance, Safety, Accountability) scores to show a pattern of behavior. This evidence is crucial for pursuing punitive damages, which are designed to punish companies for gross negligence.

Catastrophic Injuries and the Path to Maximum Compensation

A collision with a commercial vehicle rarely results in minor bruises. We represent Town of Sanctuary families who are mourning a wrongful death or supporting a survivor with permanent disabilities. Our firm has documented experience in securing settlements that reflect the true gravity of these injuries:

• Traumatic Brain Injuries (TBI): These cases often settle in the $1.5M to $9.8M range. A TBI can change your personality, your memory, and your ability to earn a living. We work with neuropsychologists to document the full extent of the cognitive damage.
• Spinal Cord Injuries: Paralysis cases require lifelong care. Recoveries in the $4.7M to $25.8M range are necessary to cover home modifications, 24/7 nursing care, and specialized medical equipment.
• Amputations: Losing a limb is a devastating physical and psychological blow. Settlements between $1.9M and $8.6M ensure that survivors can afford the best prosthetics and rehabilitation available.
• Wrongful Death: If you lost a spouse or parent, no amount of money can bring them back. However, a recovery in the $1.9M to $9.5M range can provide the financial security your family needs to survive without their income and support.

Even if your injury is not immediately classified as “catastrophic,” don’t ignore it. A herniated disc or complex fracture can lead to chronic pain and multiple surgeries. Insurance companies will try to call these “pre-existing conditions.” With our background in insurance defense, we know how to counter those arguments and prove that the crash caused your suffering. As client Glenda Walker said, “They fought for me to get every dime I deserved.”

Investigating Specialized Commercial Vehicle Accidents in Town of Sanctuary

While many people think of 18-wheelers, the roads in and around Town of Sanctuary are filled with various commercial vehicles, each with its own set of rules and risks.

Dump Trucks and Concrete Mixers

Parker County has significant construction and aggregate activity. Heavy dump trucks and concrete mixers are frequent sights on local roads. These vehicles are top-heavy and difficult to stop. If they are overloaded—even by a few hundred pounds—they become incredibly unstable. When a dump truck driver rushes to a job site and causes a rollover, we investigate the construction company and the loading facility for negligence.

Delivery Vans and Box Trucks

The rise of e-commerce has flooded Town of Sanctuary neighborhoods with Amazon, FedEx, and UPS delivery vans. These drivers often work under extreme time pressure, leading to distracted driving and illegal parking that causes secondary accidents. We have litigated against these specific corporate fleets and know how to obtain their internal telematics data to prove they were rushing.

Oilfield and Industrial Vehicles

If your accident involved a frac sand hauler, a water truck, or a crude oil tanker, you are dealing with a hybrid of trucking and industrial law. These crews often work 12-to-14-hour shifts and drive on lease roads that aren’t designed for heavy traffic. We use both FMCSA and OSHA regulations to hold oilfield operators accountable for these dangerous conditions.

Rental and Moving Trucks

Every day, people with no commercial driving experience rent 26-foot U-Haul or Penske trucks and drive them through Town of Sanctuary. These drivers often don’t understand the stopping distance or clearance requirements for a vehicle of that size. If the rental company gave a truck to an unqualified driver or failed to maintain the vehicle’s brakes, they can be held liable for the resulting wreckage.

The Financial Reality: No Fee Unless We Win

One of the biggest hurdles victims face is the fear of legal fees. At Attorney911, we remove that barrier completely. We work on a contingency fee basis, which means:

• Zero Upfront Costs: You don’t pay us a dime to start your case.
• We Advance All Expenses: We pay for the investigators, the experts, and the court filings.
• No Win, No Fee: If we don’t recover money for you, you owe us nothing.

We believe that every family in Town of Sanctuary deserves high-caliber legal representation, regardless of their bank account balance. The trucking company has unlimited funds to fight you; we provide the muscle to fight back. As Donald Wilcox reported after his case, “One company said they would not accept my case. Then I got a call from Manginello… I got a call to come pick up this handsome check.”

Frequently Asked Questions for Town of Sanctuary Accident Victims

How long do I have to file a lawsuit in Texas?

In Town of Sanctuary and the rest of Texas, the statute of limitations for personal injury and wrongful death is generally two years from the date of the accident. However, certain claims against government entities (like a school bus or city vehicle) may requires notice in as little as 90 days. You should never wait—evidence in trucking cases can vanish in less than a month.

What if I was partially at fault for the crash?

Texas follows a “modified comparative negligence” rule. You can still recover compensation as long as you are not more than 50% responsible for the accident. Your final settlement will be reduced by your percentage of fault. For example, if you are awarded $1 million but found 20% at fault, you would receive $800,000. We are experts at minimizing the percentage of fault attributed to our clients.

Should I accept a settlement offer from the insurance company?

Never accept a quick settlement check without an attorney’s review. Early offers are almost always designed to save the insurance company money before you know the full extent of your medical needs. Once you sign a release, you can never ask for more, even if you need surgery a year later.

Can I sue the company whose name was on the truck?

Yes. If the truck had a corporate logo, the company might be liable under “respondeat superior” or “ostensible agency.” Branded vehicles like Walmart or Amazon trucks indicate that the parent company is profiting from that driver’s work, and they must be held responsible for the driver’s mistakes.

Call our Town of Sanctuary Truck Accident Lawyers Today

Your life changed in the blink of an eye on a Parker County road. Now, you are facing mounting medical bills, lost wages, and physical pain. You don’t have to carry this burden alone. Ralph Manginello and the team at Attorney911 have the experience, the track record, and the insider knowledge to take on the biggest trucking companies and win.

We are available 24/7 to take your call. We will come to your home or hospital room in Town of Sanctuary if you are unable to travel. We are ready to start investigating your case immediately, protecting the evidence, and fighting for the justice your family deserves.

Don’t wait for your rights to expire. Put a 25-year veteran of the courtroom in your corner. Contact us today at 1-888-ATTY-911 or visit our website at attorney911.com. We handle cases throughout Texas and beyond, and we are ready to handle yours.

Attorney911 | The Manginello Law Firm, PLLC
Call 24/7: 1-888-ATTY-911
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Deep Dive: 18-Wheeler Accident Mechanical Failures

In Town of Sanctuary, many accidents aren’t caused just by a “bad driver.” Often, the truck itself was a disaster waiting to happen. Our firm aggressively investigates mechanical negligence, which often points to systemic failures within the trucking company.

Brake Systems and the 29% Statistic

Data from the FMCSA indicates that brake problems are a factor in roughly 29% of all large truck crashes. An 18-wheeler utilizes an air brake system that is vastly more complex than the hydraulic brakes in your car. These systems require regular adjustment and maintenance. When a trucking company defers maintenance to keep a truck on the road, they are gambling with your life. We subpoena the maintenance logs and pre-trip inspection reports to see if the driver reported brake issues that the company ignored.

Tire Blowouts and Retread Dangers

You have likely seen “road gators”—large strips of shredded tire—on the highways near Town of Sanctuary. These are often the remnants of retread tires. While retreading is legal, it must be done under strict guidelines. An overloaded truck or one with under-inflated tires can suffer a catastrophic blowout at highway speeds, causing the driver to lose control and jackknife across multiple lanes. We preserve the tire remnants and hire forensic experts to determine if the blowout was preventable.

Steering and Suspension Failures

A failure in a truck’s steering linkage or suspension can make a massive vehicle impossible to guide. These failures are often the result of “wear and tear” that should have been caught during the federally mandated annual inspection (49 CFR 396.17). If a carrier skipped their inspections or pencil-whipped the paperwork, we find the truth.

The Hidden Danger of Underride Collisions on North Texas Roads

Some of the most horrific accidents we see in Town of Sanctuary are underride collisions. This occurs when a passenger vehicle slides underneath the back or side of a trailer. Because the trailer sits so high off the ground, the impact often bypasses the car’s crumple zones and hits the occupants directly.

Rear Underride Guards (Mansfield Bars)

Federal law requires trailers to be equipped with rear impact guards. These are meant to stop a car from sliding underneath. However, many older guards are weak or improperly maintained. If a guard fails during a collision on I-20, we investigate whether it met federal strength standards and if the trucking company was negligent in its upkeep.

Side Underride: The Unregulated Hazard

Currently, there is no federal requirement for side underride guards, despite the fact that hundreds of people die every year when they slide under the side of a turning or merging truck. At Attorney911, we argue that trucking companies have a duty to install these life-saving devices even if a outdated federal regulation doesn’t yet force them to. We hold companies to a standard of safety, not just a standard of minimum legal compliance.

Psychological Impact: PTSD and Mental Anguish

A truck accident is a violent, traumatic event. At Attorney911, we recognize that the invisible injuries are just as real as the broken bones. Many of our clients in Town of Sanctuary suffer from Post-Traumatic Stress Disorder (PTSD) after a crash. Symptoms can include:

• Flashbacks and Nightmares: Reliving the moment of impact.
• Vehophobia: An intense fear of driving or being near large trucks.
• Anxiety and Depression: The emotional toll of a permanent disability or the loss of a career.

Under Texas law, you are entitled to compensation for mental anguish and loss of enjoyment of life. We ensure that your psychological treatment is included in your damage claim. We want the jury to understand not just what the crash did to your body, but what it did to your soul. As client Kiimarii Yup shared, “I lost everything… 1 year later I have gained so much in return.” We are committed to that full recovery—physical, emotional, and financial.

Corporate Safety Programs: Setting the Standard

Large corporations like Walmart and UPS often have internal safety programs that are far stricter than the federal minimums. For example, Walmart often requires its drivers to have hundreds of thousands of miles of accident-free experience before they are hired. They may utilize “Smith System” defensive driving protocols.

When we litigate against these giants, we demand their internal safety manuals. If their driver violated the company’s own safety rules, even if they technically stayed within federal law, it is powerful evidence of negligence. “If your own company says this behavior is dangerous, why was your driver doing it?” This is a question Ralph Manginello asks in depositions to break down the defense’s case.

Fighting for Vulnerable Road Users

Truck accidents in Town of Sanctuary don’t always involve other vehicles. Pedestrians, cyclists, and motorcyclists are at extreme risk.

Pedestrians and Cyclists

In urban or construction zones near Town of Sanctuary, a truck driver making a wide turn can easily “sweep” a pedestrian or cyclist into their blind spot. Because of the height of the cab, the driver may not even feel the initial impact. We utilize neighboring business surveillance and witness statements to prove a driver failed to check their mirrors.

Motorcyclists

Motorcyclists are often the victims of “No-Zone” accidents, where a trucker changes lanes without seeing the smaller vehicle. Insurance companies notoriously try to blame motorcyclists for being “inherently dangerous.” We fight this bias. A motorcyclist has every right to the road, and a professional truck driver has a heightened responsibility to check their blind spots.

The Role of Freight Brokers in Accident Liability

In the modern shipping economy, many loads are handled by freight brokers—companies that connect shippers with trucking carriers. Some of the largest brokers in the world handle thousands of loads a day.

Negligent Selection of Carriers

Brokers have a duty to vet the carriers they hire. If a broker gives a load to a “bottom-tier” trucking company with a history of safety violations, high crash rates, or inadequate insurance, the broker can be held liable for “negligent selection.” This is a critical avenue for recovery, as brokers often carry substantial insurance policies. We dig into the data that the broker had access to when they chose the carrier that injured you.

Wrongful Death: Seeking Justice for the Families of Town of Sanctuary

Losing a loved one in a truck accident is a pain that never truly goes away. In Town of Sanctuary, we represent families in wrongful death actions with the utmost sensitivity. We understand that you are grieving, and our goal is to handle the legal battle so you can focus on your family.

A wrongful death claim in Texas can cover:

• Loss of Earning Capacity: The income the deceased would have provided to the family over their lifetime.
• Loss of Consortium: The loss of the love, companionship, and comfort provided by a spouse or parent.
• Mental Anguish: The emotional pain suffered by the survivors.
• Funeral and Burial Expenses: The immediate costs associated with the loss.

In cases of extreme negligence—such as a drunk truck driver or a company that intentionally falsified logs—we also pursue punitive damages. These are meant to send a message to the entire trucking industry that Town of Sanctuary families will not be devalued.

Why Location Matters: The Town of Sanctuary Legal Environment

Parker County is a unique jurisdiction. The juries here value hard work and individual responsibility, but they have no tolerance for corporate entities that cut corners and put local families in danger. We have handled cases in courts across Texas, including the Southern District of Texas federal court. We know how to present your story to a local jury in a way that resonates with their values.

Whether your case is heard in Weatherford or a federal courtroom in Fort Worth, we are prepared. We use high-tech exhibit reconstruction and clear, plain-English explanations of complex trucking laws. We don’t want to confuse the jury; we want to empower them to do justice.

The Manginello Advantage: 25 Years of Combat

Since 1998, Ralph Manginello has been a mainstay in the Texas legal community. His reputation as a “Legal Emergency Lawyer™” was built by answering the call when things are at their worst. From maritime injuries to refinery explosions to 18-wheeler wrecks, he has the breadth of experience to handle any curveball the defense throws.

When you hire Attorney911, you aren’t getting a referral service. You are getting Ralph, Lupe, and a dedicated team of professionals who know your name and your story. As client Mongo Slade said, “I was rear-ended and the team got right to work… I also got a very nice settlement.” We pride ourselves on communication. We keep you updated every step of the way, so you never have to wonder what is happening with your case.

Take the First Step Toward Recovery

The trucking company has already made its first move. Their adjusters are looking at your social media, their lawyers are reviewing the police report, and their mechanics are inspecting the truck. They are building a fence around their money.

Break through that fence. Call Attorney911 today. Let us put our 25+ years of experience, our former insurance defense insights, and our multi-million dollar track record to work for you. We are ready to fight for your recovery, your family, and your future.

1-888-ATTY-911
Attorney911.com
Available 24/7. No fee unless we win.
Town of Sanctuary’s Choice for Truck Accident Justice.

Detailed Breakdown of 49 CFR FMCSA Regulations

For those who want to understand the “teeth” behind our legal arguments, here is a more detailed look at the federal laws we use to hold trucking companies accountable.

Part 382: Controlled Substances and Alcohol Use

Trucking companies must have a drug and alcohol testing program. This includes:

• Pre-employment testing: Before a driver ever touches the wheel.
• Post-accident testing: Required after any crash involving a fatality or a citation for a tow-away/injury accident.
• Random testing: 50% of the driver pool must be tested for drugs and 10% for alcohol every year.
• Reasonable suspicion testing: If a supervisor notices signs of impairment.

If a company fails to maintain these records or ignores a positive result, they are in direct violation of federal law.

Part 391: Qualifications of Drivers

A trucking company must maintain a “Driver Qualification File” for every operator. This file must contain:

• An annual motor vehicle record (MVR) check: To ensure the driver hasn’t racked up speeding tickets or DWIs in their personal vehicle.
• A valid Medical Examiner’s Certificate: Showing the driver is physically capable of handling an 80,000-pound vehicle.
• A roadmap of their employment history: To ensure they weren’t fired from a previous job for safety violations.

Part 392: Driving of Commercial Motor Vehicles

This section covers operational safety. It expressly prohibits:

• Sickness or fatigue: A driver cannot operate a truck if they are too impaired by illness or exhaustion to drive safely.
• Texting and Hand-held Phone Use: Federal law is much stricter for truck drivers than for car drivers. A single violation can lead to disqualification.
• Radar Detectors: It is illegal for a commercial truck to have a radar detector. If we find one in the cab, it’s a clear sign that the driver intended to speed.

Part 395: Hours of Service

The ELD mandate changed the industry in 2017. Most trucks must now have a device that automatically records when the wheels are turning. This makes it harder for drivers to “cook the books,” but companies still find ways to cheat. We look for “ghost logs” where a driver is logged as “off-duty” while the GPS shows the truck is moving.

Proving Liability in Construction-Related Truck Accidents

Town of Sanctuary is situated near several aggregate quarries and major construction developments. This means dump trucks and heavy equipment haulers are ubiquitous. These cases often involve “Premises Liability” or “Work Zone Negligence.”

If a construction truck caused your accident because it was pulling out of an unmarked entrance with no flaggers, the construction company is liable for creating a dangerous condition. If the truck was caked in mud that flew off and shattered your windshield, causing a loss of control, the company failed to follow basic safety protocols. We understand the interplay between traffic laws and construction site safety standards.

The Complexity of Multi-Vehicle Pileups

On highways like I-20 near Town of Sanctuary, a single 18-wheeler jackknife can lead to a 10 or 20-car pileup. These are some of the most complex cases to litigate. The insurance companies will all point fingers at each other, trying to blame the “last car” or the “first car.”

We utilize accident reconstruction experts who use computer modeling to determine the sequence of events. We look at the “crush profiles” of every vehicle to see where the greatest forces were applied. Our goal is to prove that the initial negligence of the truck driver was the “proximate cause” of all the subsequent collisions.

Conclusion: Why Attorney911?

You have many choices for a lawyer in North Texas. But you won’t find another firm that combines 25 years of federal court experience, an insider’s view of insurance defense, and a commitment to treating every client like family.

We are local to the Texas community. We know the roads, we know the people, and we know how to win. If you have been injured, don’t settle for a “settlement mill” that will just take the first offer. Join the Attorney911 family and let us fight for the justice you deserve.

Call us today: 1-888-ATTY-911
Protect your evidence. Protect your family. Protect your future.
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