What is “bankruptcy law” and how do I know if I need legal counsel?

Simply put, bankruptcy is a declared inability or impairment of ability of an individual or organization to pay their creditors.

If you’re dealing with spiraling debt, looming foreclosure, fear of property repossession, creditor harassment or other financial problems, filing a personal bankruptcy may be a necessary action for you. An experienced bankruptcy lawyer can advise you of your legal alternatives and help you find the best option for your unique situation.

Hear what our clients say about us.

Personal bankruptcy usually takes two forms:

Chapter 7: allows a debtor or debtors (a husband and wife who file jointly) to retain personal property, cars and real estate (depending on the net value of those assets) while discharging unsecured debts such as credit cards, medical bills and some taxes.
Chapter 13: involves establishing a “reorganization” or payment plan available for debtors who have fallen behind in payments on their mortgage and/or other debts. It may also allow the debtor to partially pay unsecured debts such as credit cards or medical bills.
If any of the above applies to your situation, Gultanoff and Associates can help. Here’s how:

We can determine quickly your eligibility for Chapter 7 or Chapter 13.
Once your case is filed, we make sure that harassing calls from creditors or their representatives cease immediately.
While in most cases the debtor is required to attend one court proceeding, we will be there with you.
Our fees are reasonable and are disclosed in writing at the initial meeting. We charge a flat fee for routine uncontested bankruptcy filings

More information here:https://cainlawoffice.com/

What is “family law” and how do I know if I need legal counsel?

Family law involves legal issues that affect the day-to-day life of families. It is a challenging practice in today’s legally complex world, one that requires experienced professionals. If you or members of your family face one or more of the following challenges, discussing the problem with legal counsel
is your first step in easing the anguish and stress.

Below are the most common family law issues that may require the assistance of legal counsel:

Divorce (Contested and Uncontested)
Division of assets and liabilities due to divorce
Alimony
Spousal support
Paternity
Child support
Child custody
Grandparent custody rights
Name changes
Adoption
Protection from abuse

What is “wills and estates” and how do I know if I need legal counsel?

In short, “wills and estates” generally involves the body of law that governs the management of personal affairs and the disposition of property of an individual in anticipation of the event of such person’s incapacity or death. Many trusts are created as an alternative to or in conjunction with a will
and other elements of estate planning.

Did you know that the area “wills and estates” can sometimes overlap with the area that has come to be known as “elder law” that deals not only with estate planning but other issues that face the elderly, such as home care, long term care insurance, or Social Security disability benefits? willsandestats.jpg

In 2007, Harris Interactive® for Martindale-Hubbell® conducted a research study and found that for the last three years, 55% of all adult Americans do not have a will. This is a frightening number. In most jurisdictions, if there is no will, the state then determines how a deceased person’s assets and liabilities are handled.

Are you prepared if something catastrophic happens to you? Is your family protected? Do you have a basic will, power of attorney and/or living will? If your answer is no, Gultanoff and Associates can help.

Do you know the answer to any of these estate law scenarios?
Your father passed away and you are the executor of his estate. He has a checking account and the bank refuses to give you any information on it. Can they withhold any information from you?
What can one do when you find that the property left to you in a will “disappears” once the executor of the estate became involved?
A lawyer is writing a will for someone, can the lawyer also be a beneficiary of that will?
How can you find out exactly who are the beneficiaries under a will?