If you are dealing with a massive amount of debt and little cash flow, you might be looking into bankruptcy. While it should be looked at as a last resort, some people are not able to avoid it. Once the process is done, you will no longer be hassled by creditors and will be on your way to repaying your debts and starting over. Before you file for bankruptcy, there are some things you should know about the process.
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If you are starting a new business, you need to make sure you have everything you need. This includes your office equipment, the right employees, obtaining permits and licenses, and more. You also need to protect your business, such as with workers' compensation insurance and employment documentation.
Workers' Compensation Insurance
Workers' compensation insurance is important, because it protects you and your business by paying costs that are associated with workplace injuries and illness.
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When you are collecting Social Security disability payments, money received from other sources can possibly have an impact on your payments. If you are aware of which payments can effect you, you and your attorney can take steps to minimize their impact. Here are four sources of additional income and whether or not they impact your Social Security disability payments.
Work Income
When you receive income from work, there is a chance that you will not be viewed as having a qualifying disability anymore.
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Have you found out that someone else has been collecting your social security benefits under your name. Stolen identities do not happen only to people who have lost their credit cards or had their information stolen when they bought something online. It can happen to anyone at any time, including late in life when the identity thief is looking for easy money. To sort it all out, you will need a social security lawyer.
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As part of your estate planning, you have to decide whether or not you need a living trust. A living trust establishes you as the person who is in charge of taking care of decisions related to your property. Here are three good reasons that you should include a living trust in your planning.
Probate Avoidance
The best reason to have a living trust is that your heirs can avoid probate when you die.
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