Essential Estate Planning Documents

estate planning

Estate planning is the process where an individual decides what will happen with their property upon their death.  Your estate is made up of all of the property that you own.  Estate planning is not just for the elderly or wealthy.  No matter how much or how little property you own, you still need to plan ahead.  No…

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Transfer-On-Death Designation Affidavit

death designation affidavit

When planning for the future one thing to think about is how to transfer any real property that you own.  Your estate will incur additional costs and fees if you fail to properly plan ahead.  Costs like probate filing fees, administration costs, attorney fees can be very pricey.  Creating a Transfer-On-Death Designation Affidavit is one way to help avoid…

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Potential Pitfalls of Debt Consolidation

debt consolidation

Many bankruptcy clients have sought the help of debt consolidation companies prior to filing for bankruptcy relief.  Debt consolidation can be handled in numerous ways.  You might take out a loan to pay off multiple accounts.  Or you might contact a company that will negotiate will all of your creditors on your behalf.  The creditors…

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Vicious Cycle of Payday Loans

payday loans

Payday loans are an easy way to get cash when money is tight before your next pay day.  However, these loans can create vicious cycle of borrowing money that some people can never stop. What is a Payday Loan? Payday loans help holdover an individual until their next pay day.  Typically a lender will will…

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