There are many consumers who look forward to getting substantial tax refunds each year. These funds may be used as savings, to pay for various expenses, or to pay off existing debt. Consumers who have made plans to spend their tax refunds may be concerned about the ability of existing creditors to garnish those tax… [Continue Reading]
Handling Harassment Complaints in the Workplace
Harassment in the workplace can create a hostile work environment that affects the morale of employees and the work they do on a daily basis, which can eventually affect the bottom line of the business. Because way in which the management handles harassment complaints can have legal repercussions for the business, it is always best… [Continue Reading]
What Does it Mean When Your Debt is Sent to Collections?
If a debt goes unpaid for a long period of time, it can be sent to collections. This usually means that the debt owed is written off by the original creditor and sold to a collection agency. At the time the original creditor sells the debt, the debtor’s credit is negatively affected because the unpaid… [Continue Reading]
Prepaid Funeral Contracts
As part of their estate plan, some people choose to arrange their funerals before they die in order to make things easier for their family members or in order to ensure that they get all the things they want at their funerals. When making funeral arrangements in advance, people are generally required to prepay for… [Continue Reading]
Foreclosure Mediation
Mediation as a means of dispute resolution is usually used when parties with a legal dispute want to avoid going to trial for one reason or another. Mediation can often be less expensive than going through a trial, and that is why it sometimes chosen by the parties. Mediation is available in the foreclosure process… [Continue Reading]
Should You Tell Your Beneficiaries Details of Your Estate Plan?
Not many people discuss their estate plans, particularly the provisions in a will, with the beneficiaries of the plan. These matters are often considered private matters that should not be made public. While there may be cases in which it is best to keep the provisions of a will under wraps, having a frank discussion with… [Continue Reading]
Making Provisions to Avoid Lapsed Gifts
An estate plan that is not regularly updated can result in one or more of the beneficiaries under a passing away before the testator. In that situation, any property bequeathed to the beneficiary is at risk of being distributed in a manner that is not in line with the testator’s wishes. Bequeathed gifts that fail… [Continue Reading]
Medicaid Look Back Period
Medicaid is a government program that helps various Americans with the cost of their medical needs if they qualify to receive assistance under the program. Elderly Americans who qualify may use Medicaid funds to pay for long term nursing home care and avoid having to pay for the cost of that out of their estates.… [Continue Reading]
Homeowners’ Associations and Foreclosure for Unpaid Dues
Homeowners who live in a housing development are usually members of a Homeowners’ Association, or an HOA. Being part of an HOA requires the homeowner to abide by certain rules regarding the care of the property and pay dues and fees to the HOA. In return, the homeowner receives communal benefits. In some situations, HOAs… [Continue Reading]
Filing for Chapter 11 Bankruptcy as a Small Business
Even businesses that are founded on great ideas can fail to be as profitable as their owners intended. While a business owner still believes in his or her idea, the business may fail because of debts to creditors and dwindling assets to cover them. In this situation, a business owner can choose to file for… [Continue Reading]
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