If you are currently unemployed due to the national coronavirus pandemic and have bills coming due, you may need to consider your consumer bankruptcy options under Chapters 7 or 13 of the Bankruptcy Code.  In recent reports, worldwide, households now have $12 trillion more in debt than during the financial crisis of 2008.  We are…

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You may have heard from a friend about needing a “Miller’s Trust” or you may have come across a “Miller’s Trust” while researching the type of legal documents one may need when getting older.  It is not important how you first heard of a “Miller’s Trust” but it is important for you to understand whether…

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          We sometimes hear this concern from seniors. “We’ve worked all our lives to build our nest egg. Now we feel like we’ll have a target on our backs if someone sues us. What can we do?”           An Indiana driver must have a minimum liability coverage of $25,000.00 per person and $50,000.00 per accident.…

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Prior to July 1, 2018, Indiana was a “healthcare by committee” state – any number of people could act on a person’s behalf when they were adjudged to be incompetent. The circumstances sometimes resulted in confusion as to who may speak for the incompetent patient.  Indiana law now specifies a priority order for people who…

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People wait to plan for the days when nursing home care might be needed. That’s understandable; we resist thinking about a stage in life that may never come. But it’s wise to plan in order to ensure care will be provided if necessary. If care is not needed, planning allows more of a legacy to…

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As the saying goes, there are only two things in life that are certain: death and taxes.  While no one can avoid death, most people wish to avoid, as much as possible, the taxes and expenses that may result from their death. As of January 1, 2013, the Indiana legislature repealed the state’s inheritance tax. …

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South Bend / Mishawaka, IN – Suppose you are unconscious and in a hospital. Your doctor has two treatment options and a decision must be made as to which will be pursued. Since you are not conscious, you cannot decide. An Appointment of Health Care Representative (AHCR) is a legal document. When you sign an AHCR,…

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