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My only concern with not talking to cops is that I have had 2 cops tell me they assume guilt when the the subject of an investigation "lawyers up." They assume innocence when the subject speaks freely.
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Possibly only a semantics problem here, but the term "assume" falls in the same category as "routine". Both are a form of profanity in law enforcement.
What I assume doesn't mean squat in what action I take. Solid probable cause does. If there's a discrepancy in statements, most likely you'll be detained for further investigation, but an arrest won't be made without probable cause.
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Another thing to consider is - this is something I don't know - whether or not evidence admitted into a criminal trial would be admissible in a civil trial. Just another thought.
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Civil court is much more forgiving than a criminal court. Anything admissible in criminal court will be admissible in civil court, but a lot of things presented during a civil trial would not be admissible in criminal court. That was, I believe, O.J. Simpson's big problem.