January 2020 - Carol A. Lawson

Pen resting on a document titled Living Trust & Estate Planning.

What is Needed For A Basic Estate Plan?

January 29, 2020/in Estate Planning/by Carol

Everyone needs an Estate Plan. Some people need a more complex one than others, but everyone needs one. The very Basics you need are as follows:

Will– need to designate Beneficiaries and Guardianship for Minor or Disabled Children.
Durable Power of Attorney (DPOA)– Who will handle your finances, and needs if you are incapacitated and can not make those decisions.
Healthcare Surrogate- who will make your medical decisions if you are unable to do so.
Living Will– Do you want live support? Do you want to be kept alive in a vegetative state? Are their limits? Do you want food, hydration, pain medication?
HIPPA Release– Who has access to your medical records.

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A Special Needs Trust Allows You to Leave Your Estate

January 7, 2020/in Estate Planning, Social Security, Special Needs/by Carol

A Special Needs Trust Allows You to Leave Your Estate to Your Special Needs Child Without Jeopardizing Public Assistance Benefits For the Child

A special needs trusts allows parents to leave funds to developmentally (Autism, Down Syndrome, or another developmental or intellectual disability) or physically disabled children, but maintain the child’s eligibility for public health care and assistance benefits. A Florida special needs trusts, also called Florida supplemental needs trusts, are vital for parents who need or want to provide for their special needs children.

If a child with special needs has been left an inheritance, he or she may not qualify for benefits…despite being unable to earn a living. A special needs trust holds the assets you wish to leave your child, acting as a supplement to the disabled child’s government resources. When structured properly, funds in these trusts can only be used for goods and services over and above what government assistance provides for the disabled child, and cannot be used as payment for taxes or creditors. The child has no control over the funds.

Carol A. Lawson, Esq., 28870 U.S. Hwy 19 #300, Hodusa Towers, Clearwater, FL 33761

Phone: (727) 410-2705; email: calh@gate.net

Clearwater Bankruptcy Attorney, Clearwater Bankruptcy Lawyer, Clearwater Bankruptcy, Clearwater Estate Planning Attorney, Pinellas Estate Planning Attorney, Pinellas Probate Attorney #FileLocallyDontOverpay #ClearwaterBankruptcy #ClearwaterBankruptcyAttorney #ClearwaterEstatePlanning #ClearwaterProbate

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Telephone Consumer Protection Act (TCPA)

January 6, 2020/in Consumer Financial Protection Bureau, Credit/by Carol

The Telephone Consumer Protection Act (TCPA) protects consumers from receiving nuisance calls from creditors and marketers on home phones and cell phones since 1991. TCPA restricts robo-calls made to all cell phones, whether they are for business or personal use.

How do Creditors and Marketers Violate the TCPA:

When they use automatic dialing systems, a computer program that auto-dials hundreds of programmed numbers. Receiving four or more calls in a day from a specific creditor typically means an auto-dialer is in use.
When they use artificially generated communications or pre-recorded voice messages that direct the recipient to hold for an available operator.
When they send unsolicited SMS text messages that cause the recipient to incur phone charges.
When they fax junk-faxes that interrupt the receipt of business faxes, tie up phone lines, and waste paper.

When they do not maintain and support a required DO NOT CALL list. Consumers have the right to ask to be placed on it and the requests are honored for five years. https://www.donotcall.gov/

Carol A. Lawson, Esq., 28870 U.S. Hwy 19 #300, Hodusa Towers, Clearwater, FL 33761

Phone: (727) 410-2705; email: calh@gate.net

Clearwater Bankruptcy Attorney, Clearwater Bankruptcy Lawyer, Clearwater Bankruptcy, Clearwater Estate Planning Attorney, Pinellas Estate Planning Attorney, Pinellas Probate Attorney #FileLocallyDontOverpay #ClearwaterBankruptcy #ClearwaterBankruptcyAttorney #ClearwaterEstatePlanning #ClearwaterProbate