That sinking feeling in your stomach when you review an account statement and something is wrong is a moment no investor wants to experience. Maybe the losses are far greater than you were led to expect, or you see transactions you never authorized. It’s easy to freeze, unsure of what to do next. But the steps you take in the first few hours and days are critical. This isn’t about panic; it’s about taking deliberate, methodical action to protect yourself and begin the process of recovery. This guide will walk you through exactly what to do, from documenting evidence to reporting the misconduct. When facing sophisticated financial schemes, having a professional on your side is essential. A San Jose Investment Fraud Lawyer can provide the guidance you need to hold the responsible parties accountable.
Key Takeaways
- Take immediate action by documenting everything: If you suspect fraud, gather all your account statements, correspondence, and notes from conversations. This evidence is the foundation of your case, and strict deadlines mean you can’t afford to wait.
- Know your legal pathways to recovery: You don’t have to absorb the losses from fraud. The most common routes for recovery are FINRA securities arbitration and civil lawsuits, both of which are designed to help you reclaim your money from the responsible parties.
- Choose a lawyer with specific securities law experience: General legal knowledge isn’t enough for these complex cases. You need an attorney who specializes in investment fraud and understands how to build a compelling case against brokerage firms and their legal teams.
What is Investment Fraud in San Jose?
Investment fraud is a serious issue that can happen to anyone, even the most careful investors. At its core, investment fraud occurs when someone tricks you with false or misleading information, making an investment seem more valuable or less risky than it truly is. In a place like San Jose, where innovation and wealth are concentrated, these deceptive schemes can unfortunately find fertile ground. The goal of the person committing the fraud is simple: to take your hard-earned money for their own gain.
This type of deception can take many forms, from a broker recommending an unsuitable product that doesn’t align with your financial goals to a full-blown fraudulent operation designed to collapse from the start. The common thread is a breach of trust and a deliberate effort to misrepresent the truth. Understanding what constitutes fraud is the first step toward protecting yourself and knowing when to seek help. If you feel that a financial professional has taken advantage of you or misrepresented an investment, it’s important to know that you have rights. There are legal paths to recovering your losses, but the key is to act quickly once you suspect something is wrong. Don’t let embarrassment or uncertainty stop you from taking the next step.
Common Types of Financial Scams
Financial scams often hide behind promises of big profits with little to no risk. One classic example is a Ponzi scheme, where money from new investors is used to pay returns to earlier investors, creating the illusion of a successful enterprise until it inevitably collapses. Another frequent issue is misrepresentation, where a broker or advisor simply lies about or hides important information. They might downplay the risks of a particular stock or fail to disclose their own conflicts of interest. This type of broker fraud and negligence is a serious violation of the trust you place in a financial professional and can lead to devastating losses when the truth comes out.
How to Recognize the Red Flags
Spotting the warning signs of a potential scam can save you from significant financial trouble. Be wary of any investment offers you didn’t ask for, especially if they come with a sense of urgency. Fraudsters often pressure you to invest quickly, giving you no time to do your own research. A major red flag is the promise of guaranteed high returns with little or no risk—a combination that rarely exists in legitimate investing. Also, be cautious if a broker or advisor is evasive, uses overly complex jargon to confuse you, or cannot provide clear, written documentation about an investment. Trust your instincts; if an opportunity feels off, it’s worth a closer look.
The Financial and Emotional Impact of Fraud
The consequences of investment fraud go far beyond the balance of a bank account. While the financial harm can be catastrophic, leading to the loss of retirement savings or a family’s nest egg, the emotional distress is just as real. Victims often experience feelings of anger, shame, and betrayal, especially when the fraud was committed by a trusted advisor. It’s important to remember that you are not to blame. These schemes are designed by sophisticated individuals to deceive people. Acknowledging the emotional toll is a critical part of the recovery process, and addressing these investment issues with legal support can help you regain a sense of control.
Who is Most at Risk?
While anyone can become a victim of investment fraud, certain individuals are often specifically targeted. People who are less experienced with the complexities of investing or those actively seeking high returns may be more susceptible to deceptive promises. Retirees are also a primary target because they have often accumulated significant savings over a lifetime of work. Scammers see these savings as a lucrative opportunity. It’s a common misconception that only naive people fall for these schemes. In reality, fraudsters are skilled manipulators who can fool even savvy individuals. The most important thing is not who is at risk, but what you do once you realize you’ve been wronged.
What to Do Immediately if You Suspect Fraud
The moment you suspect something is wrong with your investments, it’s easy to feel overwhelmed. But taking immediate, deliberate action is the most important thing you can do to protect yourself and begin the process of recovery. The steps you take now can make a significant difference in the outcome of your case. It’s about methodically building a record of what happened and securing your finances from further harm. This isn’t a journey you have to take alone, but these initial actions set a strong foundation for any legal path you choose to follow. Here’s a straightforward guide on what to do first.
Document Everything
Your first step is to gather every piece of paper related to the investment. This includes account statements, contracts, promotional materials, and any correspondence you received. To build a strong case, your attorney will need to show you were given false or misleading information. Make detailed notes of your conversations, including dates, times, and what was discussed. Don’t filter anything out; what seems minor now could become critical evidence later. This collection of documents forms the foundation for addressing any investment issues you’ve faced.
Report the Incident to Regulators
Reporting the fraud to the proper authorities helps prevent others from becoming victims and creates an official record. You should file a report with the U.S. Securities and Exchange Commission (SEC) as soon as possible. You can submit a tip online or call them directly. Another important organization is the Financial Industry Regulatory Authority (FINRA), which oversees brokers. Taking this step is crucial, especially in cases of broker fraud and negligence, as it puts the misconduct on the radar of the agencies responsible for policing the industry.
Secure Your Financial Accounts
Next, focus on protecting your remaining assets. Review all of your financial and investment accounts for any transactions you don’t recognize. If you see anything unusual, report it to your bank or financial institution immediately. You may also want to consider changing your passwords and enabling two-factor authentication on all your accounts for added security. Taking these protective measures can help stop further unauthorized activity and limit the financial damage while you sort out the situation. It’s a simple but powerful way to regain some control.
Preserve All Digital Evidence
In addition to physical documents, your digital communications are vital evidence. Go through your records and save everything. This means archiving emails, taking screenshots of text messages, and saving any voicemails from your broker or advisor. If the investment was promoted on a website or social media, take screenshots of those pages as well. Digital evidence can disappear quickly, so it’s important to preserve these communication records right away. Don’t delete anything, as it all contributes to the complete picture of what happened.
Seek Legal Advice
Investment fraud cases are incredibly complex and involve specific areas of the law. Trying to handle it alone can jeopardize your ability to recover your losses. It’s important to speak with a lawyer who has direct experience with these types of claims. An attorney can explain your options, from filing a direct lawsuit to pursuing securities arbitration through FINRA. Getting professional guidance ensures your rights are protected from the start. If you believe you’ve been a victim of fraud, please contact us to discuss your situation.
Your Legal Options for Recovering Losses
Discovering you’ve been a victim of investment fraud can feel overwhelming, but it’s important to know you have options for fighting back and recovering your money. The right path forward depends on the specific details of your case, from the type of fraud you experienced to the agreements you signed with your broker. Understanding your legal avenues is the first step toward taking control of the situation. These options range from formal court proceedings to more streamlined dispute resolution processes. An attorney can help you determine the most effective strategy for your circumstances, ensuring you have a clear plan for seeking justice and financial recovery.
Filing a Civil Lawsuit
One direct way to pursue compensation is by filing a civil lawsuit. This means taking the responsible parties to court to hold them accountable for their actions. To be successful, your attorney will need to demonstrate that you were given false or misleading information that directly led to your financial losses. This legal route allows you to seek damages not just for the money you lost, but sometimes for other related costs as well. A lawsuit is a formal process that can be effective in cases of clear broker fraud and negligence, giving you a platform to present your evidence before a judge or jury and demand what you are rightfully owed.
Using FINRA Arbitration
Many investor agreements include a clause that requires you to resolve disputes through arbitration instead of a traditional lawsuit. The Financial Industry Regulatory Authority (FINRA) runs the largest forum for this process. Securities arbitration is often a faster and more cost-effective way to settle a claim. It’s a private, less formal process where your case is heard by an impartial arbitrator or a panel of arbitrators who will issue a final, binding decision. While you give up the right to a court trial, arbitration is a well-established and efficient method for investors to recover losses from brokers and their firms without the lengthy procedures of litigation.
Joining a Class Action Lawsuit
If you were one of many investors harmed by the same fraudulent scheme, joining a class action lawsuit might be a practical option. This approach allows a large group of people with similar claims to band together into a single case. It’s an efficient way to pursue justice, especially when individual losses might not be large enough to justify a standalone lawsuit. By pooling resources, investors can collectively challenge powerful corporations or individuals. This collective action not only strengthens your position but also streamlines the legal process, making it a powerful tool for addressing widespread investment issues and holding fraudsters accountable on a larger scale.
Filing a Formal Complaint
In addition to seeking personal compensation, you can report the fraud to government regulators. Filing a complaint with the U.S. Securities and Exchange Commission (SEC) or your state’s securities regulator can trigger an official investigation into the misconduct. This action helps authorities build a case against the wrongdoers, which can prevent them from harming other investors in the future. In some cases, you may even be eligible for a financial award for reporting the misconduct as an SEC whistleblower. While this step doesn’t always lead to direct recovery of your funds, it’s a crucial part of holding bad actors accountable and protecting the integrity of the financial markets.
What to Expect from the Recovery Timeline
It’s natural to want to know how long it will take to get your money back, but the truth is, every case is different. The timeline for recovery can vary widely depending on several factors. The complexity of the fraud, the legal path you choose, and the other party’s willingness to negotiate all play a significant role. For example, a straightforward arbitration case may resolve in a matter of months, while a complex civil lawsuit could take years. An experienced attorney can help set realistic expectations from the start and guide you through each phase of the process. To get a better sense of what your specific case might entail, you can contact us for a personalized review.
The Legal Process for an Investment Fraud Claim
When you realize you’ve been a victim of investment fraud, the path forward can feel overwhelming. Taking legal action might seem complicated, but it’s a structured process designed to help you recover what you’ve lost. Understanding the steps involved can demystify the experience and give you a clear sense of what to expect. From the first conversation with an attorney to the final resolution, each stage is a deliberate move toward holding the responsible parties accountable. We’ll walk through the typical journey of an investment fraud claim, breaking it down into manageable steps so you can feel more prepared to take action when dealing with complex investment issues.
Your Initial Case Review
The first step is sitting down with an attorney for an initial case review. This is a confidential conversation where you can share your story and present the documents you’ve gathered. The main goal for your legal team is to determine if you have a strong claim. To do this, we will look for evidence that false or misleading information was provided to you, which led to your financial losses. We will listen carefully to your experience and review your account statements and communications with your broker. This initial meeting is a chance for you to ask questions and understand your options. We offer a free consultation to discuss your situation and help you see the path forward.
How We Gather Evidence
Once you decide to proceed, the next phase is a deep dive into gathering evidence. This is where we build the foundation of your case. We will work with you to collect every relevant piece of information, including account statements, trade confirmations, emails, text messages, and any notes you took during conversations. This documentation is critical for proving what happened. With this evidence, we can pursue your claim through one of two main avenues: filing a lawsuit in court or entering into securities arbitration. Arbitration is a common method for settling disputes with brokerage firms outside of the traditional court system, and it’s often a more direct process.
Filing Your Claim
After gathering sufficient evidence, the next step is to formally file your claim. This is the official start of your legal action. Depending on your specific circumstances and the agreements you signed with your brokerage firm, we will either file a lawsuit in court or submit a Statement of Claim to the Financial Industry Regulatory Authority (FINRA) for arbitration. California state law makes it illegal to lie or omit important facts about investments, which can be very helpful for victims. In some cases, state laws make it easier to build a case of broker fraud and negligence because you may not have to prove you directly relied on the false information to make your investment decision.
Negotiating a Settlement
Many investment fraud cases are resolved before they ever reach a final court trial or arbitration hearing. Throughout the legal process, there are often opportunities to negotiate a settlement with the opposing side. A settlement is a formal agreement to resolve the dispute, which typically involves the broker or firm paying you financial compensation for your losses. Our primary goal is always to recover your money as efficiently as possible. We will handle all negotiations on your behalf, keeping you informed at every stage and advising you on whether a settlement offer is fair and in your best interest. You can contact us to learn more about how we approach this process.
What Happens in Court
If a fair settlement cannot be reached, your case will proceed to a final hearing or trial. In arbitration, your case will be presented to a panel of arbitrators who will listen to the evidence and make a binding decision. In court, a judge or jury will do the same. While our firm handles your civil claim to recover your money, government regulators like the Securities and Exchange Commission (SEC) may also take action. If the SEC finds a broker or firm guilty of fraud, the penalties can be severe, including large fines, a ban from the industry, and even prison time. This shows how seriously these violations are taken.
How to Choose the Right Investment Fraud Attorney
Finding the right legal partner is a critical step toward recovering your losses and finding peace of mind. When you’ve been wronged, you need someone in your corner who not only understands the law but also understands what you’re going through. The attorney you choose can significantly influence the outcome of your case, so it’s important to select a firm with a proven track record in this specific area of law. This isn’t the time for a general practitioner; you need a dedicated advocate who lives and breathes securities law. Your focus should be on their experience, their approach to cases like yours, and how they communicate with clients.
Key Qualifications to Look For
When you’re vetting potential attorneys, look for a deep familiarity with investment fraud cases. A qualified attorney will need to demonstrate that false or misleading information was provided to you, the investor, which led to your financial losses. This requires a specific skill set that goes beyond general legal knowledge. They should have a clear history of handling claims involving broker fraud and negligence, unsuitable recommendations, and other forms of financial misconduct. A strong candidate can clearly articulate the elements of a fraud claim and explain how they would go about proving your case, showing you they have a solid grasp of the legal strategy required.
Why Securities Law Experience Matters
Securities law is a highly specialized and complex field. An attorney who primarily handles other types of cases may not be familiar with the specific rules of the Financial Industry Regulatory Authority (FINRA) or the nuances of federal and state securities regulations. You need a lawyer with extensive experience going up against the financial advisors and brokerage firms that commit investment fraud. This background is invaluable because these firms have powerful legal teams on their side. An attorney who specializes in securities arbitration and litigation will understand the tactics used by the opposition and know how to build a compelling case to counter them effectively.
Understanding Legal Fees
Don’t let concerns about cost prevent you from seeking help. Understanding the fee structure is crucial, and a reputable attorney will be transparent about it from the start. Many investment fraud lawyers work on a contingency fee basis. This means you don’t pay any attorney’s fees unless they successfully recover money for you. The firm’s fee is a percentage of the amount recovered. This arrangement aligns your interests with your attorney’s, as they are motivated to secure the best possible outcome for you. Other firms may charge hourly rates. Be sure to clarify the fee structure during your initial consultation so you can make a decision that feels right for your situation. You can contact us for a free, no-obligation case review.
Important Questions to Ask in a Consultation
Your initial consultation is your opportunity to interview the attorney and determine if they are the right fit. Come prepared with a list of questions to help you make an informed decision. During your consultation, ask about their experience with cases similar to yours, their track record, and how they plan to approach your case. You can also ask who will be your primary point of contact and how you will be kept updated on your case’s progress. A good attorney will welcome these questions and provide clear, straightforward answers. This conversation should give you confidence in their ability to handle the specific investment issues you are facing.
How to Prepare for Your First Meeting
To make your first meeting as productive as possible, take some time to prepare beforehand. The most helpful thing you can do is gather all relevant documents related to your investments. This includes any investment agreements, account statements, and correspondence with your financial advisor, such as emails or letters. If you have notes from conversations or any other evidence of potential fraud, bring that along as well. Organizing these materials will help your attorney get a clear picture of your situation from the very beginning. This preparation allows them to provide a more thorough evaluation of your claim and advise you on the best path forward.
Know Your Rights as an Investor
When you’ve been wronged financially, it’s easy to feel powerless. But it’s important to remember that as an investor, you have specific rights designed to protect you from fraud and negligence. Understanding these rights is the first step toward holding bad actors accountable and reclaiming your financial stability. Both state and federal regulations create a safety net for investors, providing clear pathways to justice. These laws ensure that you don’t have to absorb the losses caused by someone else’s deceit or misconduct. Knowing your options can help you move forward with confidence.
An Overview of California & Federal Securities Laws
Protections for investors exist at both the state and federal levels. In California, state law makes it illegal for anyone to lie or conceal important information related to an investment. These state-level protections can sometimes offer a more direct path for victims, as you may not always need to prove that you specifically relied on the false information to make your decision. Federal laws also provide robust protection against investment fraud. To build a case under federal law, you typically need to show that you were intentionally misled, that you bought or sold a security based on that lie, and that the fraud directly caused your financial losses. An attorney can help determine the strongest legal strategy for your specific situation.
What Remedies Are Available to You
If you’ve lost money because of investment fraud, you have options for seeking recovery. One path is to file a civil lawsuit against the responsible parties. Another common and often more efficient route is securities arbitration. This is a formal process for resolving disputes outside of a traditional courtroom, usually overseen by the Financial Industry Regulatory Authority (FINRA). Arbitration is the required forum for most disputes between investors and their brokerage firms. Both avenues are designed to help you recover the funds you lost due to misconduct. The right approach depends on the details of your case, including the agreements you signed when you opened your investment accounts.
Important Deadlines You Can’t Miss
When you suspect investment fraud, time is of the essence. Strict deadlines, known as statutes of limitations, limit the amount of time you have to file a claim. If you miss this window, you could lose your right to recover your losses forever. That’s why it’s critical to seek legal advice as soon as you notice a problem. Trying to handle an investigation on your own or waiting too long to act can seriously jeopardize your case. If you’ve received any communication from the SEC or simply feel that something is wrong with your accounts, don’t hesitate. You can contact us to understand the specific deadlines that apply to your situation.
What Kind of Compensation is Possible?
Investment fraud can cause devastating financial harm, but the legal system provides a way to pursue compensation. The primary goal of an investment fraud claim is to recover the money you lost from your initial investment. Depending on the circumstances, you may also be able to recover other damages, such as interest lost on your money and certain legal fees. An experienced attorney can help you identify all potential areas of broker fraud and negligence to build a comprehensive claim. By thoroughly documenting your losses, you can present a strong case for the full compensation you deserve and start rebuilding your financial future.
How to Protect Your Investments Moving Forward
After experiencing investment fraud, your primary focus is rightfully on recovery. But it’s equally important to establish practices that protect your financial future. Taking proactive steps can help you identify warning signs and build a more secure portfolio. By being diligent and informed, you can regain confidence and make sound decisions for your long-term financial health. The following strategies are fundamental to safeguarding your assets against potential misconduct and ensuring you are always in control of your financial journey.
Perform Your Due Diligence
Before committing your hard-earned money, take the time to thoroughly research every aspect of a potential investment. This includes investigating the person or firm offering it, the underlying asset, and the opportunity itself. A common element in fraud cases is that false or misleading information was presented to the investor. Diligence is your first line of defense against this. Ask for documentation, check credentials through official sources like FINRA’s BrokerCheck, and never hesitate to ask probing questions. Understanding the details of broker fraud and negligence can help you spot red flags early.
Assess and Manage Risk
Every legitimate investment carries some level of risk—anyone who promises guaranteed returns is a major red flag. Your job is to understand and feel comfortable with the risks you are taking. Assess how a potential investment fits within your overall financial goals and risk tolerance. If you’ve been a victim of fraud, you know firsthand the serious financial and emotional damage it can cause. Use that experience to be even more discerning. Don’t let anyone pressure you into an investment that feels too risky or that you don’t fully understand. A clear view of potential investment issues is crucial for making informed choices.
Verify Before You Invest
Trust, but verify. It’s a simple mantra that can save you from significant loss. If a broker or advisor makes a claim, take the initiative to verify it through a third-party source. If they recommend a private placement, ask for the offering memorandum and have it reviewed. Be suspicious of anyone who discourages you from seeking a second opinion or who creates a false sense of urgency. This is your money, and you have the right to be certain about where it’s going. If your verification process uncovers potential wrongdoing, remember that resources like the SEC Whistleblower program exist to report misconduct.
Keep Detailed Records
Meticulous record-keeping is one of the most powerful habits an investor can cultivate. Keep copies of all account statements, trade confirmations, contracts, and correspondence with your financial professionals. Make notes of important conversations, including the date, who you spoke with, and what was discussed. These records are not just for tax purposes; they are your evidence. Should you ever need to pursue a claim through securities arbitration, having a detailed paper trail of communication and transactions can be the deciding factor in successfully recovering your losses.
How to Work Effectively With Your Legal Team
Once you’ve chosen an attorney, the relationship you build is a partnership. Your active participation can make a significant difference in the strength and progress of your case. Working effectively with your legal team means understanding your role, staying organized, and maintaining open lines of communication. This collaboration ensures your attorney has everything they need to advocate for you, whether your case involves a straightforward claim or complex investment issues.
Think of your legal team as your dedicated guides through the recovery process. They handle the legal complexities, but your insights and cooperation are invaluable. By preparing your documents, communicating clearly, and staying informed, you empower your attorneys to build the strongest possible case on your behalf. This teamwork is fundamental to holding responsible parties accountable and working toward recovering your financial losses. Let’s walk through the key ways you can contribute to a successful partnership with your legal team.
What Documents Your Lawyer Will Need
To build a compelling case, your attorney will need a complete picture of your financial situation and your interactions with the broker or firm in question. Start by gathering all relevant paperwork. This includes account opening forms, monthly or quarterly statements, and any trade confirmations you received. It’s also helpful to provide financial statements from the last few years to establish your financial profile. Any written correspondence, like emails or letters exchanged with your broker, is crucial evidence. Providing these documents upfront helps your legal team quickly assess the situation and identify instances of potential broker fraud and negligence.
Establishing Clear Communication
Open and consistent communication is the foundation of a strong attorney-client relationship. Your lawyer will provide updates on major developments, but don’t hesitate to ask questions if something is unclear. It’s also important to be responsive when your team reaches out for more information or clarification. A simple, prompt reply can keep your case moving forward without delays. This clear dialogue is essential for aligning on strategy and making informed decisions together, especially when navigating the detailed procedures of securities arbitration. A good legal team will always make you feel heard and respected.
Following Your Case’s Progress
Staying engaged with your case helps you understand the process and manage your expectations. While your legal team handles the day-to-day work, you can follow along by asking for periodic updates on the timeline and next steps. Knowing what to expect can reduce the stress and uncertainty that often comes with legal proceedings. Your attorney will guide you through each phase, from filing the initial claim to negotiation or trial. Being an informed participant allows you to feel more in control of the situation and confident in the direction your case is heading.
Understanding the Path to Recovery
Recovering losses from investment fraud is a process, not a single event. Your attorney will explain the different avenues available to you, which could include negotiating a settlement, filing a claim with regulators, or pursuing a lawsuit. Each path has its own timeline and set of procedures. Your legal team’s role is to help you understand the benefits and drawbacks of each option so you can make the best choice for your circumstances. If you have questions about your specific situation and potential for recovery, the first step is to contact us for a confidential discussion.
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Frequently Asked Questions
I feel embarrassed that I fell for a scam. Should I still seek legal help? Absolutely. It’s completely normal to feel that way, but please know you are not to blame. These schemes are designed by sophisticated people to be deceptive. Your focus should be on taking action to recover your losses. Speaking with an attorney is a confidential, professional step toward regaining control of your finances. It’s about seeking justice, not placing blame.
What is the real difference between going to court and FINRA arbitration? Think of it this way: a lawsuit in court is a very public and formal process with a judge and potentially a jury. FINRA arbitration, on the other hand, is a private and more streamlined process specifically for resolving disputes in the securities industry. It’s often faster and less formal than court. Many investment agreements require you to use arbitration, but an attorney can review your documents to determine the right path for your specific claim.
How much will it cost to hire an attorney for my investment fraud case? Many people worry about legal fees, but most investment fraud attorneys work on what’s called a contingency fee basis. This means the lawyer only gets paid if they successfully recover money for you. Their fee is a percentage of the amount recovered. This structure ensures your attorney is motivated to get you the best possible result, and it allows you to pursue your claim without paying fees upfront.
I don’t have many documents or emails. Can I still have a case? Even if you think your documentation is sparse, you should still speak with an attorney. A legal team experienced in these cases knows exactly what to look for and can often uncover evidence you might not have access to, such as records from the brokerage firm itself. Don’t let a lack of paperwork stop you from getting a professional opinion on your situation. The initial consultation is the perfect time to discuss what you have and what might be needed.
How long does it typically take to resolve an investment fraud claim? There isn’t a single answer for this because every case is unique. The timeline depends on the complexity of the fraud, whether you go to arbitration or court, and how willing the other side is to negotiate a fair settlement. A more straightforward case might resolve in several months, while a highly complex one could take longer. An attorney can give you a more realistic expectation after reviewing the specifics of your claim.