Quick Answers to Immediate Questions...
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The following are general answers to general questions, please consult a lawyer for your specific situation.
Q: I was in a car wreck, what do I do?
A: Remember that time and evidence should both be preserved. Contact your insurance company first, then save everything that shows how you have been damaged or injured. Keep a journal noting how your life is effected. Do not discuss fault or responsibility - that is for your attorney and insurance company to resolve.
Q: I just got a demand letter from a creditor, it is real scary and I don't want to go to jail.
A: There is no debtor's prison. The creditor must first sue you in your local Court before he can take any action against your wages, bank account or property. You'll know you have been sued when the Sheriff serves you with the lawsuit. You will then have 45 days before the creditor can obtain a judgment. Then and only then can he garnish your wages or bank account. This does not include your auto finance or mortgage. Those are secured debts and the actions the creditor can take are different.
Q: I just moved to Georgia, do I need a new will ?
A: You should have the will reviewed. Georgia will honor the will provided it meets certain minimum criteria.
Q: I owe so much in income taxes that I doubt I can ever pay it. Can Bankrutpcy help me ?
A: Taxes are dischargeable in bankrtupcy provided certain conditions are met. You should consult a lawyer to determine if bankruptcy can help you.
Q: My partner and I want to buy a house together, what do we need to do ?
A: You need to have a full and frank discussion with each other about how you will share the costs of acquiring and maintaining the property, what should happen if you split up, and what should happen if someone dies. There are legal solutions to these questions. Once you resolve these legal issues, get your resolution documented, buy the house and enjoy it !
Q: I don't have lots of property, I am certainly not rich, and I don't have children. Do I really need a will ?
A: While many things can be arranged to work around not having a will, there are fundamental issues that only a will can resolve. While you might not be present for the fun and games after your death, those you leave behind could have a real mess, even without a pile of money lying around. This one is real easy... get a will.
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