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Galanti & Copenhaver, Inc.
Serving clients in Santa Rosa and San Francisco, California and greater Bay Area region

Santa Rosa Estate Planning Law Blog

Trust and Estate Planning Basics

estate-planning.jpgTrust and estate planning can be difficult to navigate without help. Whether you are planning out your end-of-life wishes for your property and assets or just wanting to organize your estate-related plans, there is a lot of information out there pertaining to trusts and estates. For your trust and estate planning needs, it is a good idea to hire an attorney experienced in these areas of law. Trust and estate planning can be complex, particularly if you have significant assets or you have many detailed plans for your property.

What Does it Really Mean to Have an Estate Worth Doing Some Estate Planning?

Through the years, I have had many friends and clients come up to me and say that when they think about estate planning, they look at the word "estate" and think that to be placed in category of those who need to actually do estate planning, they must have sizable land holdings at the very least. Well, that's not exactly true.

But it probably doesn't help that Miriam-Webster's Dictionary broadly defines the word "estate" as "the degree, quality, nature, and extent of one's interest in land or other property ... "and "A landed property usually with a large house on it."

Increasing Your Credit Score

Many of my clients are curious about increasing their credit report score after going through either Chapter 7 liquidation or Chapter 11 or 13 reorganization bankruptcy. Here are some simple steps you can take to get your credit up and lenders lending to you again.

1) Open up a secured credit card. This is one of those simple steps I even took for myself and saw a dramatic (100 point) increase within a short period of time (1 month). Just go into your local bank or credit union and put $500-$1,000 into a secured account, then use this account like an ATM card on your day to day expenses. Just make sure you are capable of paying back the balance in full each month, which leads me to my next piece of advice.

Many of my clients are curious about increasing their credit report score after going through either Chapter 7 liquidation or Chapter 11 or 13 reorganization bankruptcy. Here are some simple steps you can take to get your credit up and lenders lending to you again.

1) Open up a secured credit card. This is one of those simple steps I even took for myself and saw a dramatic (100 point) increase within a short period of time (1 month). Just go into your local bank or credit union and put $500-$1,000 into a secured account, then use this account like an ATM card on your day to day expenses. Just make sure you are capable of paying back the balance in full each month, which leads me to my next piece of advice.

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