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Many believe they can put off thinking about complex or late-life healthcare needs. However, regardless of age, anyone can benefit from having an advance medical directive. These are the reasons to include this essential document in your estate plan. What is an...
Individuals with a serious intellectual and/or physical disability typically receive federal benefits, including Medicaid and SSI, which have strict asset and income limits. To protect their assets and maintain a high quality of life, specific parties can petition the...
Probate is the legal process of settling a deceased person's estate, involving paying outstanding debts and distributing assets. All estates in Kentucky worth over $15,000 must go through probate. However, if your estate exceeds the state's threshold amount, these...
When you file for bankruptcy, you get an automatic stay. This federal court order prohibits your creditors from contacting you to collect the debt. If you struggle with unpaid bills and have considered bankruptcy, learn more about the potential benefits of an...
When you eat at restaurants, you probably would never dream of trying to negotiate the bill after receiving it. If you enjoyed the meal, this is especially true. Hospitalization and medical treatments, though, are significantly different than steak and potatoes. In...
It is important that they take steps to establish a will or trust. Some special considerations may need to go into coordinating an estate plan for a blended family. Planning ahead enables family members to avoid several potential negative ramifications of probate. It...
Over the years, you may have accumulated significant assets. Even if you only have modest holdings, you want to protect them as well as you can. Trusts can provide you with asset protection. However, depending on your circumstances, you might also consider creating a...
As you get older, you may want to start planning for your retirement. Looking at your finances, you may find that you cannot retire easily with the amount of debt you currently have. In that position, you have a few options, such as paying down what you owe,...
Filing for bankruptcy may allow you to discharge existing credit card, personal loan or medical debts. However, there are some balances that cannot be discharged regardless of whether you file for Chapter 7 or Chapter 13 protection. Let's take a closer look at the...
Estate planning can seem daunting to anyone. But for parents of special needs children, it's particularly serious. Families in Kentucky should understand the role a special needs trust can play in a disabled child's life. The basics of special needs trusts Trusts are...