RJM LAWYER 

"Life can feel like going up shit creek without a PADDLE!" -My younger self. Contrary to the foregoing, filing Chapter 7 Bankruptcy is not the worst thing in the world. In fact, it's not even that bad. "But wait," "Ruben-Have you lost your mind!? -Bankruptcy, not that bad, "What's the Catch?" No catch! Just FACTS. Foreword: A common misconception, and by common, I mean virtually everyone believes this, is that bankruptcy will existentially ruin them, and that life post-

Foreword: Listen! In no way am I saying MOMz is the anti-Christ. I mean, she's not even religious...kidding,...LOVE you MOM, but seriously, you might want to SKIP this blog. xoxo ALRIGHT, now that we have that out the way, let's dive into today's BLOG. PERSONAL GUARDIANSHIP: How it Works and WHY you should have one if you have MINOR children So WHAT is a Personal Guardian anyway? A personal guardian is essentially an angel from heaven that for reasons unknown cares for