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-

"If Government Benefits Matter, then you need a Special Needs Trust!" As parents-- The perpetual question we ask ourselves is, "when we die, will my children be okay?".... "will they be taken care of?"... and "if I die today, will I have planned for tomorrow?" Some of us mull over this more than others, but regardless, we all think about it. After all, it's kind of our job, right? Special Needs Trust Defined: A special needs trust is a type of trust designed for a person w

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

The throes of debt! "Debt is like a saddlebag, and you, the horse that's carrying the bag." -Anonymous AS of 2022, Americans have $986 billion in credit card debt. Nearly a trillion dollars. But what makes this number really STAGGERING is that in 1965, this number was ZERO. WHY?- Because there was no credit card, and Americans could only buy what they could afford. How's that for a novel idea? Fast-forward 56 years and we are now in the midst of a DEBT ARMAGED

For starters, let's be clear! In no conceivable way, am I knocking sole-proprietorships ("SP"). That's not what this is about. For a lot of people- a SP makes sense. But they do have their short-comings, particularly, when it comes to liability. So with this in mind, please do not take this blog personal, if say, you're a gun-toting SP person. Lawsuits: Should you worry? LISTEN! IF your business is completely off-grid, and you don't expose yourself to the outside worl

People, particularly young people, think about death about as much as they think about IRAs, 401k, life insurance,...well, you get the idea. Truth is, unless you're on your death bed, mortality is just one of those things, we as people don't spend a lot of time thinking about. For death- out of sight, out of mind, seems to be what we're comfortable with. LIVING TRUST vs. HAVING NO TRUST When you die, so do your assets. Or at least some of them. Without getting into legal

Have you ever imagined what your worse case trademark scenario would be? Maybe you've heard of horrors stories; or perhaps you have had the actual misfortune of experiencing it yourself: the shock, gut-punch, tangy realization that all your hard work, may have been in vain. Hopefully, this is just an over-dramatization; and that you haven't actually had to endure this existential hell-storm. But for my client--this was all too real. So real, that I earmarked it, "THE TR

DISCLAIMER: As always, my blogs are aimed at providing general information, not legal advice. Always consult an attorney when making a decision as to legal matters. Enjoy! You just stamped, sealed, and dropped your letter off into the mailbox. Truth be told, you're feeling pretty good about the fact that that two-face double-crossing, good-for-nothing contractor is finally getting what he deserves. A mouth full of yours truly, right? Gosh it feels good , and why not? Yo

The power of perception plays a vital role in our society, both personally and professionally. Just think, in the first few seconds of...