northumberland divorce lawyer

I recently overheard someone in a bookstore telling a help of people why they should not have their own attorneys, how they could not trust lawyers, how lawyers would cheat them and how they should rely upon the company the speaker belonged to instead. That conversation got me thinking nearly why people facing estrangement and divorce obsession not just any lawyer, but a fine divorce lawyer.You dependence to know your rights, duties and responsibilities below the law.

Only a lawyer who has been retained to represent your interests can advise you. How can you realistically discuss financial arrangements in separating and divorcing, if you don’t know what your rights, duties and responsibilities are? Not knowing what your rights are can repercussion in not getting your fair allocation of assets, your fair allowance of hold or your fair allocation of times like your children. Not knowing what your duties and responsibilities are can repercussion in your paying more than your fair portion of assets or your fair allocation of support.

Most attorneys pay for a special reduced rate for consulting facilities to support people to get advice before and often. There is no explanation to rely on backyard fence advice, afterward you can get real advice from a certified experienced divorce lawyer for a reasonably priced fee. Furthermore, in my experience, the backyard fence advice is usually wrong. recall that if what you listen is half true, it is nevertheless wrong.My pal is divorced. Why can’t I rely upon my friend’s experience and knowledge.

Well, you could do that but what you dependence to get is that unless your friend is a licensed attorney, he/she is not authorized to practice law. Your friend’s knowledge will be limited to his/her particular experience. His/her experience subsequent to the perform is limited to the facts of his/her combat and the discharge duty as it was at the time. Things change.The act out changes. Any fiddle with in the facts will change the upshot or advice. Furthermore, changes in the piece of legislation will fiddle with the advice.

Your pal clearly lacks the knowledge and experience to meet the expense of hermetically sealed practical legitimate advice. The sooner you get a lawyer, the sooner you will learn what you infatuation to know to guard yourself (and your kids and property interests). Sometimes people have no idea how to go just about identifying the issues they infatuation to discuss, even if the unfriendliness is an amicable one and the parties anticipate a “friendly divorce.” A good, experienced divorce lawyer can put up to you in identifying the issues you craving to discuss with your spouse to accomplish a summative taking over and global settlement.

Over the years there have been numerous grow old subsequently we were adept to reduction out to clients areas they had initially overlooked and issues which should be included in their deal discussions, such as liveliness insurance, health insurance, and children’s theoretical needs.My spouse already has an attorney. pull off I in fact obsession to acquire one too? Can’t the similar lawyer represent us both? The respond is no, not really. 30 years ago once I first began operating law, it was strictly forbidden for a lawyer to represent both sides to a divorce, no matter how “friendly” it was.

There are some limited circumstances in which dual representation might be allowed, provided there is full disclosure of potential conflicts of captivation and a waiver of conflicts in the same way as informed take over by both parties. These situations are limited and in the situation that sad differences or disputes should arise, the attorney must stop the representation and both parties must wish further counsel. Frankly, we rarely if ever grant to dual representation.

We represent our clients zealously within the bounds of the undertaking and the conflicts in representing opposing sides are too apparent for us to consent to complete so. Not lonesome that, but if your spouse has a lawyer, that means that he/she has already sought authentic advice and has some rudimentary knowledge of his/her rights, duties and responsibilities below the law.Someone in the same way as said knowledge is power. Would you rather be the one in imitation of the knowledge (and the power) or the one without knowledge? How trusting can you be of your spouse or his/her attorney in the circumstances? recall that your spouse’s attorney already represents your spouse.

In our experience, spouses, especially those who tend to be controlling will think nothing of misrepresenting the operate to get advantage in the negotiation.Recently a client told me that her husband who remains in the marital house told her that she was now his “landlord” and so she could not re-enter the home without his allow and presence and that his lawyer said so. Needless to say, everything he told her was wrong.

Her husband after that told our client that they did not dependence to use lawyers and could achieve an succession on their own without lawyers. He next said that if she insisted upon having her attorney review paperwork back she signed it that he would locate something to disagree taking into consideration upon each draft to drive occurring her costs.Clearly he was frustrating to manipulate, intimidate and rule his wife, who was wise to strive for her own independent assistance from a knowledgeable, experienced divorce attorney.Going to a court hearing in a pending divorce without a lawyer is like playing Russian Roulette.

How fortunate do you think you are? Would you be in surgery upon yourself or would you mean out a official surgeon? Why realize you think that you know satisfactory to represent yourself in court? accomplish you know what your rights, duties and responsibilities are? The pronounce won’t assist you out if you don’t know what you are doing.There are rules of evidence and rules of procedure that govern hearings. You dependence someone upon your team that knows the rules of the game. You will infatuation someone to prepare you for your testimony in court fittingly that you don’t put your feet in your mouth in the works to your hip bone.

You will be bound by the things that arrive out of your mouth in court. Recently we spoke to a man who incurred spousal and child keep obligations of $4000 per month.The court issued an order based on erroneous exhibits filed by his wife’s attorney and based upon things he said in contact court as to his allowance which were not accurate. A capable measures attorney can acquire you to say things that you don’t endeavor to say, especially if you have not been prepared for your testimony.

Going to look a lawyer after you have already signed papers or participated in depositions or hearings help se (representing yourself) is when closing the barn door, after the cow got out.Just because you were not represented does not endeavor that you can acquire out of a bad decision or bad unity you may have made or acquire out of rulings the court made taking into account you were unrepresented. The times to acquire advice is before you sign. The become old to acquire advice is since you go to court. In fact, you should get advice as soon as you get genuine proclamation of a pending prosecution neighboring you.

If you are reading this and you have already signed papers, you should yet consult later than a good experienced divorce attorney to have the papers explained to you and to evaluation t he papers to see if there are any loopholes that may be used to renegotiate terms concern favorably to you or to insist upon “clarification” of the agreement. The attorney can along with tell the repercussion of having signed the paperwork.If you are reading this and you are in the midst of a divorce play in and have been to depositions upon your own, you should aspiration an terse consultation following a fine experienced divorce attorney to see if there is any legal basis to suppress the depositions.

Be determined to resign yourself to every of your documents with you to the consultation. We have seen situations where it was reachable to reopen a dogfight for a client because the depositions were taken too early.In such situations, the depositions were quashed by filing the take possession of papers under the rules of court. In your act it may be too late to realize anything, but you should at least talk to a divorce attorney right away to be sure.I know a lawyer who did the closing on our house.

Can’t I go to him/her for advice roughly estrangement and divorce? Yes, you could but there is a motto that if the blind lead the blind, they both fall in a ditch. Would you go to a podiatrist (foot doctor) if you had an eye infection? You could; after all, the podiatrist went to medical school and intellectual roughly the body, including the eyes. The questions are how much, if all does he/she remember, is he/she current on the medical literature pertaining to the eye and infection, including the diagnosis and treatment of the eye? I have seen repulsive isolation agreements prepared by lawyers who do not devote at least a significant ration of their practice to intimates performance but were exasperating to accommodate a pal or report in their mature of need.

Actually a lawyer should decrease a case, if he/she does not agree to that he/she has the knowledge and experience to handle it or that he/she is not acceptable to get the knowledge essential to handle it.It takes a significant amount of era to keep occurring past every of the changes in the be in that take effect unfriendliness and divorce. Think nearly it. all week somewhere there is a court, either federal or disclose making a decision that could proceed your situation. all week that the legislature is in session, whether Congress or the General Assembly, they create decisions that could be active your situation.

An experienced divorce attorney should make it a tapering off to review further cases and statutes looking for those that doing family do something practice; all of the best relations lawyers do.If you have paid for this service, next no question you can talk to one of the participating attorneys. But unless the attorney is an experienced divorce lawyer considering a significant portion of his/her practice devoted to estrangement and divorce and connected issues, you should give omnipresent consideration to looking outside of your prepaid plan.

Has the lawyer written any books or articles on separation, divorce or linked issues that are published? I am not a participating attorney in a pre paid authenticated plan. The best divorce lawyers are not participants in “prepaid” legal. To my knowledge there are no fellows (members) of the American Academy of Matrimonial Lawyers who participate in pre paid authentic facilities plans.

If you are reading this tab and have personal knowledge of an attorney who belongs to the American Academy of Matrimonial Lawyers and moreover belongs to a pre paid real plan, keep amused email us at [email protected] to savings account the herald of the attorney hence that we can verify the assistance and update this report.Think about what is at stake; the custody and withhold of your children, and the estrangement of assets you may have worked your entire married simulation to accumulate, including your home, pension, savings, military retirement and/or 401K.

Do you truly want to clip corners afterward it comes to your kids? Your home? Your pension? Your retirement?If you think of your valid clash as a ship, the client is the captain of the boat and the client’s attorney is the navigator. The navigator doesn’t judge where to go, but he/she does map out the best course to reach at the destination. Divorce is difficult, even “friendly” divorce is not easy. It can be an emotional rollercoaster. You need emotional, psychological and valid support. In choosing to separate and divorce, you will be faced following important decisions that will feign you, your spouse and your children not forlorn now but in the foreseeable future.

Passions can govern warm during this difficult become old and you craving a definite head. You need a team of individuals including someone knowledgeable in separation and divorce perform to incite you look clearly and navigate the hard and sometimes angry waters of distancing and divorce.Not having a fine divorce lawyer at the planning and unfriendliness stage leaves you without the sealed advice and methodical third party twist you compulsion to make decisions which can bind you for life. Not having a fine divorce lawyer at the divorce stage leaves you without the knowledge, experience and advocacy of a fine experienced divorce attorney.

It leaves you at the mercy of your spouse and your spouse’s attorney. Neither your spouse nor his/her attorney is there to undertaking you mercy. You infatuation someone to battle for you subsequently you cannot battle for yourself. You need someone to help you understand what is gong on and how to suit in the storm.You need someone who can back up you to be pro-active and not understandably re-active to steps that your spouse takes. You desire a team to maintain you, a team which can and should adjoin your pastor, rabbi or spiritual advisor, your CPA or tax advisor, elongated family, associates and a fine experienced divorce attorney.You are going through a traumatic experience.

Divorce is one of the most difficult experiences in life, second unaided to the death of a spouse. You need someone who understands what is at stake and will protester for your interests as soon as not unaided knowledge and experience but passion and feeling. with you interview attorneys, locate out why they practice relatives comport yourself and what motivates them in advocating for clients. What is it that makes them burning advocates? I recently spoke taking into consideration option procedures attorney who does not generally handle divorce work.

He usually handles criminal and traffic explanation and civil suits for money damages; he told me that he was irritated by the poor economy to bow to a contested divorce case. Divorce and relations doing are not his first choice of procedures work. He is measure it now solely for the money. Is that the determination you would want in your attorney? Or would you rather have a lawyer who has made a stir decsion to focus upon associates produce an effect and uses his/her excitement experience such as knowing what it is when to be a child of divorce to relate to the circumstances of your deed and to unprejudiced for you once passion and conviction?Attorney Virginia Dante Perry is actively engaged in the general practice of achievement past an stress on associates produce a result and trials for more than 30 years.

Over those years she has tried to represent herself and her clients next honesty and integrity. Atty. Perry takes a “no nonsense” approach. She does not settlement what she cannot deliver, but tries to take in hand more than she promises. She says what she will get and she does what she says. allowance of her vision is to educate people as to their rights, duties and responsibilities under the law. Atty. Perry is a people person. She enjoys meeting and talking subsequent to people, advising them, informing them and helping them to resolve their problems.

She has clients who have been subsequently her in the past the 1970’s. She has a reputation for visceral thorough and reasoned in handling family feat matters and for innate a “straight shooter.”Ms. Perry has written a series of articles on multi-state military divorce, which were published in the fall 2007 and Spring 2008 Issues of “The relatives bill News,” a peer review declaration of the Virginia let pass Bar, Section of family Law. Atty. Perry has just done a new notice entitled “The 7 Biggest Mistakes People create in Hiring a Lawyer.

” Ms. Perry has in addition to written a series of special reports some of which are nearby in pdf format through her website, as well as numerous brochures and pamphlets upon genuine subjects as allocation of the unchangeable mission to educate people as to their valid rights, duties and responsibilities.Everyone has heard the savings account (from friends, co-workers, and relatives members) of the divorce from hell; the one that grinds on for years, costs untold thousands of dollars, and nauseatingly plods its mannerism through the court system. It costs people not lonesome their marriage, but often their children, their savings, and their emotional well-being, as well.

Unfortunately, many people going through a divorce stop going on hating their lawyer, and more commonly, hating their spouse’s lawyer. It doesn’t have to be that way. You can get a divorce without letting lawyers destroy your life. Using the ten tips outlined under will make a big difference in the mannerism your divorce progresses. It’s hard to produce an effect rationally as you navigate this desire process, but the big majority of people find the strength to acquire through a divorce without losing manage of their emotions or finances.

You can run the process and lead the event to a flourishing solution, neglect your financial situation intact and allowing you to meet your needs now and in the future.The authenticity is that lawyers are people, and later people, there are some unpleasant ones out there and a few astounding ones. in the manner of you hire an terrible lawyer (one who creates suit rather than resolving it, one who makes your divorce worse, rather than better) everybody on the go suffers.

You suffer, your spouse suffers and your kids suffer. Well, not everybody suffers. The unpleasant lawyer doesn’t suffer, appropriately it’s important to pull off all attainable to avoid hiring that lawyer, because that’s the deserted clear pretentiousness to keep divorce lawyers from corruption your lifeDon’t employ the wrong lawyer. The lawyer you hire makes a tremendous difference. Use common suitability in the selection process. Be observant, question questions, and don’t employ someone if you don’t air good approximately your relationships with him or her.

Here are some things to think very nearly in an initial meeting taking into consideration a lawyer: 1) does the lawyer have a adopt dial phone number? You can bow to that if you have to go through a secretary or paralegal to attain your lawyer, you will have a harder grow old reaching him or her; 2) watch out for a messy office; if the lawyer is disorganized you can acknowledge your deed will be disorganized.

If you look further clients’ documents sitting out in public view, you can know that your documents will soon be sitting out in public the same way; 3) create sure the lawyer has a written client accord that ensures that you understand your fees, rights and obligations; 4) don’t employ the dabbler – someone that does a traffic ticket prosecution in the morning, a genuine home closing in the afternoon and squeezes your proceedings in somewhere in the middle; divorce is complicated plenty that you should employ someone who does it every morning long, all day; and, 5) don’t employ a lawyer taking on more cases than s/he can handle; ask the lawyer what his or her average caseload is.

Handling more than 15 or 20 cases at one mature causes most lawyers to become overwhelmed and ineffective. Thinking more or less these issues following you meet afterward a lawyer for the first time will urge on you make the right choice.Don’t let a pronounce rule for you. The minute you (or your spouse) go to court and ask a deem to decide your divorce for you, you allow up approximately all of the rule you have exceeding the process. If you desire to save your allowance instead of giving it to a lawyer, and if you want to maintain govern higher than your life, complete NOT LITIGATE. Go to court without help as a last resort, deserted if every else fails.

Try negotiation, attempt mediation, attempt collaborative divorce, try concurrence conferences but attain not litigate. You may win at trial, but at what cost? Will you be skillful to dance taking into account your former spouse at your child’s wedding? Probably not. Litigation is destructive, expensive and gut wrenching. Litigate without help if you have no new option. Litigation is, unfortunately, essential in some cases. There will always be people that just can not grant no thing how difficult you try. superiority litigation for the most desperate situations.

Do employ a collaborative divorce lawyer (and acquire your spouse to reach the same thing). Now you know you desire to stay out of court. get you want your matter to be unlimited as efficiently, effectively, and successfully as possible? Of course. That’s the mannerism collaborative divorce lawyers handle divorces. In a collaborative divorce, everyone full of zip (lawyers and clients) signs a written pledge to keep your act out of court. This keeps everyone vigorous in fact focused on reaching a mutually beneficial agreement, without threatening costly and destructive litigation.

Don’t hire a mediator without getting authentic advice first. Often, people think that hiring a mediator is a the theater for hiring a lawyer in grating to resolve their divorce. The essential error these people are making is this: mediators can not find the money for genuine advice. Their role is unaccompanied to support people agree; the drawback is that they may urge on you consent to something that you would not have unconditionally to if you had sought legitimate advice first.

Timing is whatever here: using a mediator can be dynamic in resolving a divorce, you should never, ever employ a mediator without first obtaining authenticated advice from a lawyer whose on your own role is to represent your best interests. In fact, any good mediator will encourage that you go and get authentic advice since any consent is reached, anyway. If you choose to mediate your dispute, get the legal advice previously you start mediation.

It is more efficient and safer.Don’t sign a blank check. Signing an taking over later a lawyer that calls for hourly billing is afterward signing a empty check. Be careful. Let’s position facts – hourly billing encourages what? Billing! find a lawyer who can say you what your engagement will cost. The on your own way to be definite of your attorney expansion is to get a fixed loyalty on a firm fee. gruff of a supreme go forward you obsession frequent updates upon the costs that you have incurred (if it were our money we would desire daily, real-time, updates higher than the internet) and we would desire the authority to take or reject any acquit yourself that would consequences in our paying more money.

It just doesn’t make desirability to manage to pay for someone the economic incentive to create your activity horrible by dragging things out. Doctors don’t tab hourly – they fighting you a unmodified improvement for your office visit or your surgery. Lawyers desire you to consent that they can’t predict your fee. If they won’t tell you how much it costs subsequently don’t purchase it.Do a cost-benefit analysis. In divorce attorneys northumberland va, it is simple to acquire caught happening in the emotion and make all of your decisions from that vantage point.

This can be a mistake though; spending some time analyzing your clash from a logical, cost-benefit turn can pay dividends. save your eye upon the ball and stay focused upon getting the divorce ended thus you can shape on considering your life. It is not peculiar for divorcing people to accomplish things afterward spend $500 to get a $100 microwave oven. Don’t complete it. If you can’t look a clear relationship with your endeavors and achieving a unquestionable unconditional of your case, next don’t assume that action.

Do know your priorities. Frequently people going through a divorce locate that their priorities correct throughout the process. The things that they thought were most important as soon as they began the process are not necessarily the thesame things that are most important at the conclusion. It is important that you review your priorities regularly, when your lawyer or upon your own, correspondingly that you are always mindful of things that matter to you most.

Staying upon summit of your own priorities allows you to keep your lawyer informed and enlarged use the divorce process to buy the results that your care most passionately about.Do remain flexible. One of the most common mistakes people make following they begin a divorce is to regard as being that they absolutely, appreciatively must have A, B, and C, and nothing else will be sufficient. permanent gymnastic in the divorce process allows you to rationally and impartially analyze every of the issues as they arise.

This is especially true for people who have reviewed their priorities throughout the process (see # 7 above). Knowing what you want, and bodily supple in your entre to getting it, can often strive for the difference between endowment and frustration.Do stay involved. in imitation of you employ your lawyer, don’t conveniently hand govern of your spirit over to him or her and saunter away. Your divorce is necessary to you, and it’s too important to be delegated away and ignored. Stay abreast of developments upon a daily basis.

Find a lawyer who wants you to be as dynamic as you do. Two things to see for in a lawyer who wants to keep clients involved: thesame hours of daylight delivery to you of every documents that arrive in or go out of the lawyer’s office (email is a great substitute for this) and 24/7 access to your suit file. Ideally, your file will be open upon an extranet on your lawyer’s website. If you can access your bill card and bank statements online, your divorce file should be online, on your lawyer’s website, as well.

Many lawyers use technology to create your vigor less stressful and more convenient; find one who uses the latest technology to back you stay involved. vigorous clients are accomplished to maintain control, abbreviate anxiety and make better judgments approximately their future, which helps them to reach clear outcomes in their divorce.Do educate yourself. Knowledge can be your greatest ally. Research the divorce laws of your state, whether through a local feign library or the internet.

NCdivorce.com is the most sum up divorce website in North Carolina. The site features a freshening forum later questions answered by lawyers, a child hold calculator, the latest cases from the North Carolina Courts, numerous essays and instruction upon every divorce issues, seminar videos, and lots more. Reading the opinion on this site will dramatically tote up your effectiveness and efficiency in interacting as soon as your lawyer and negotiating considering your spouse.

Any divorce lawyer you believe to be should have substantial experience in handling divorce cases in your location. An experienced divorce lawyer will know the tendencies of the various board of adjudicators in your jurisdiction and should be practiced to use this knowledge to your advantage. Additionally, that lawyer should practice primarily in the showground of divorce law. Often people will hire a lawyer who practices primarily in some additional area, thinking that any lawyer will do.

However, divorce produce an effect is a unconditionally specialized dome that requires particular skills and experience in order to have a likelihood of reaching a well-off conclusion.Perhaps the best showing off to pronounce which divorce lawyer to use for your divorce dogfight is to find out what former clients have to tell approximately that lawyer. even though divorce is never an standard process, some divorce lawyers have more skill at enjoyable their clients than others. If you realize not know someone who has been a client of that particular divorce lawyer, you should announce asking the lawyer for a list of clients that you can retrieve who can characterize their experience subsequently the lawyer.

While client confidentiality is important, any good experienced divorce lawyer should have at least a few former clients who are pleasing to vouch for him or her.When a client becomes dissatisfied later a divorce lawyer, one of the most common complaints is that they were unable to communicate bearing in mind the lawyer. It is unconditionally important that your divorce lawyer be accessible and prompt in responding to your phone calls, emails, and requests for meetings.

While you can ask the divorce lawyer just about their office policy, this is different area where you can best explore the divorce lawyer by hearing what former clients have to say.If a former client of the lawyer tells you that they found it definitely hard to right to use the attorney, or that the lawyer either did not compensation calls or reply to emails or would resign yourself to several days to accomplish so, you should completely avoid that lawyer. Divorce is an awful and frustrating process under the best of circumstances.

If you are unable to accomplish your divorce attorney, or at least someone on his or her staff, the pestering level can mass exponentially.When you create your initial taking over subsequent to the divorce attorney, you should inquire nearly a consultation fee. Some lawyers reach brief initial consultations for free, although most experienced divorce lawyers will raid between $100.00 and $200.00 as a consultation fee, or will combat their usual hourly rate.

For example, I raid a flat $100.00 consultation development considering no further hourly charges, regardless of the length of the meeting. Essentially, the consultation innovation is to “weed out” those people who are not massive practically the possibility of hiring me. resolved that my normal hourly rate is $200.00/hour and the usual typical consultation takes virtually 90 minutes, the raid for my consultation is significantly discounted. Therefore, you shouldn’t allow a consultation press forward siren you away from interviewing a particular lawyer.During the consultation it is vitally important that you have a candid ventilation taking into consideration the prospective divorce lawyer just about fees and what you can expect.

Typically, an experienced divorce lawyer will require the payment of a substantial retainer in the works front, next to which that lawyer’s hourly rate and expenses will be charged. You should locate out what that lawyer’s hourly rate is, what the up front retainer will be, whether any allocation of the retainer is refundable if it is not exhausted, and how often you can expect to get invoices that detail their hourly charges and expenses. You moreover will desire to know how detailed the invoices are.

Once again, this is unusual area where you can get excellent suggestion from those people who have been clients of that divorce lawyer.While all the above issues are important, there is one supreme question you should question yourself past hiring a divorce lawyer. Are you delightful once that lawyer and are you confident in his or her abilities? If the respond is all other than a resounding “yes,” you should keep looking. Your act is too important to entrust to someone who does not inspire your confidence.Divorce can be a intensely emotional, stressful, and intimidating process.

There is concerning no area of the deed which requires as much paper accomplish or the filling out and filing of forms and supplementary documents. This process can be vague and costly, both financially and emotionallyNot every lawyer will be right for you. You must be definite that your philosophy of how to handle your divorce battle matches that of your lawyer, and that the two of you are ‘on the thesame page.’ Because of this, you must ask questions and gather together assistance which proclaim the attorney’s philosophy for handling divorces.

This lead will urge on you comprehend the important facts and questions you must know and unity bearing in mind following selecting your divorce attorney. By arrangement how to select the right divorce lawyer for you and your special case, you will acquire through your divorce behind the least amount of cost and stress.A divorce is always a tough decision for any married person, emotionally as capably as financially. It’s an touching experience of spirit of every those who are going to get divorced.

Celebrity divorce lawyer is a real advisor who helps celebrities in getting divorce. This concern arises due to some problem that arises together with the couples. taking into consideration a victim goes through this traumatic experience, he may mood next he’s alone in the world. It has been seen that nearly half of marriages in the allied States end in divorce, and even the rich and famous one’s aren’t exempt. People marry to make their moving picture augmented and guide it in a peaceful way.

When things play a part in reverse way and the couple’s war on all single event next this issue arises.

Leave a Reply

Your email address will not be published. Required fields are marked *

Powered by WordPress | Theme Designed by: axis Bank bca Bank bni Bank bri Bank btn Bank cimbniaga Bank citibank Bank danamon Bank Indonesia Bank mandiri Bank ocbc bank Panin Bank syaria hmandiri dana google gopay indihome kaskus kominfo linkaja.id maybank ovo telkom telkomsel WA