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Is debt settlement better than bankruptcy?

By Estate Planning Attorney Eric Ridley | Dec 7, 2022

Is debt settlement better than bankruptcy? Debt settlement and debt consolidation are two common options for people struggling with excessive debt. While both of these options can help reduce the amount of debt an individual owes, they also come with their own drawbacks and limitations. In many cases, bankruptcy may be a better option than…

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Estate planning for families with young children

By Estate Planning Attorney Eric Ridley | Dec 7, 2022

As a parent, your number one priority is the well-being and future of your children. You work hard to provide for them, to give them the best education and opportunities, and to protect them from harm. One of the most important things you can do for your children is to have a well-thought-out estate plan…

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Why Should You Appoint a Guardian for Your Child?

By Estate Planning Attorney Eric Ridley | Dec 7, 2022

As a parent, your most important job is to provide for and protect your children. But what happens to your children if something were to happen to you? Who would take care of them? Who would make decisions on their behalf? As parents, it is our responsibility to make sure our children are taken care…

The Advantages of Bankruptcy over Debt Settlement

By Estate Planning Attorney Eric Ridley | Nov 19, 2022

Debt settlement, or debt consolidation, can be achieved through a loan that covers the debt. In most cases, you can work with a credit company that will negotiate your debts down and lumps them all together so that you can make one payment moving forward. The interest rates are usually considerably lower, and your existing…

What Is Probate Administration?

By Estate Planning Attorney Eric Ridley | Jul 27, 2022

When someone dies, that person’s legal and financial affairs need to be settled legally. The process of doing so is probate administration. This process could include collecting property, filing taxes, paying off loans, or allocating any property that the deceased (referred to in probate as the “decedent”) still owned. Probate is required if the value…

What Are The Benefits of an Estate Plan?

By Estate Planning Attorney Eric Ridley | Jul 21, 2022

To some, estate planning may seem like something for individuals in higher tax brackets. The idea may conjure up images from black and white movies of a stuffy lawyer in a mansion’s study, divvying out untold millions to scandalous heirs and devious distant cousins. But you don’t have to be William Randolph Hearst to prepare…

When is Probate Required in California?

By Estate Planning Attorney Eric Ridley | Jul 16, 2022

If a person dies and leaves behind an estate, property, or assets in California that needs to be transferred to a beneficiary, probate is required. If a decedent’s property is left behind, the probate process provides distribution of that property to the heirs of the decedent. Survivors may also open probate proceedings if the decedent…

What is the Difference Between a Living Will and an Advance Healthcare Directive? 

By Estate Planning Attorney Eric Ridley | Jul 11, 2022

Maybe you have spent time in the medical field or have begun planning your own wishes regarding the future of your medical care. If so, you are probably familiar with the terms “living will” or “advance healthcare directive.” But what, specifically, are they? How do they differ from each other? And most importantly, how do…

What are the Benefits of Bankruptcy?

By Estate Planning Attorney Eric Ridley | Jul 5, 2022

You probably remember watching Wheel of Fortune as a kid: the wheel would land on that evil-looking, black BANKRUPT section, a terrifying noise would play, and everyone from Vanna White to the audience members would look sorry for the contestant who just lost all of the money they had built up on that round. Bankruptcy…

Can I Convert My Chapter 13 Bankruptcy to a Chapter 7?

By Estate Planning Attorney Eric Ridley | Jun 30, 2022

Some people facing foreclosure because they are behind on payments take a chapter 13 bankruptcy to reorganize debts and loans over a three-to-five-year period. However, situations change every day. Those that have chosen to file for chapter 13 bankruptcy may find themselves in a situation where chapter 7 benefits them more. Can they convert chapter…

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