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August 2017 Archives

At what age should a person start estate planning?

It may seem like a silly question to ask when Iowa residents should begin estate planning. Many people mistakenly think this is something for old people to do. That is the exact reason why this question is so important because the answer may surprise you. Estate planning is not just for "old people." It is for anyone who has a solid need to control what happens with his or her future.

Things you may not know about divorce

Getting divorced in Iowa can be confusing, especially if you do not know all the rules and regulations. Mistakes can lead to delays that may cost you valuable time and money. We at Janssen Law can guide you through this complicated process and ensure that all laws are carefully obeyed and your divorce is as simple as possible.

Payday loans may cost more than you expect

You have probably seen them in storefronts downtown or in random shopping plazas along the highways. They have clever names that hint at how quickly and easily they can get you money. Some even suggest a level of patriotism. However, can a payday loan really be the solution to your problems?

What is a Chapter 12 bankruptcy?

If you are a family farmer in Iowa who is going through difficult financial times, be aware that there is a bankruptcy procedure designed especially to meet your needs. As findlaw.com explains, it is called a Chapter 12 - Adjustment of Debts of a Family Farmer with a Regular Annual Income. Congress authorized Chapter 12 in response to the many family farmers who are in financial crisis but have too much income to qualify for a Chapter 13 bankruptcy.

What are special considerations for Native American adoptions?

Adoption is a wonderful gift you can give to a child in Iowa. Children up for adoption come from many backgrounds. You are not limited by race or ethnicity as to what child you can adopt, but if you are interested in adopting a Native American child and are not Native American yourself, there will be special considerations that must be made.

How will bankruptcy affect your credit score?

When faced with the decision of whether or not to file for bankruptcy, many people worry that it will ruin their credit score. This is not an unfounded fear. Bankruptcy will make your credit score drop, and it stays on your record for approximately 10 years. However, bankruptcy gives you a chance to manage your debts and to rebuild your credit score with a fresh start.

What is the difference between irrevocable and revocable trusts?

If you are creating estate plans in Iowa, you may be looking into a trust. There are two types of trusts to consider: irrevocable and revocable. According to US News & World Report, weighing your options between the two is important because both types of trusts offer different benefits and have their own drawbacks.

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