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Sometimes personal levels of debt can reach such levels that, given your income, it is literally impossible to ever pay off the debt.  Often times this debt comes from unavoidable expenses such as medical bills.   A bankruptcy action allows a legal way to help persons in Green Bay and the surrounding area with hopeless levels of debt to regain their financial footing with dignity.  The law allows you to discharge (eliminate) your unsecured debt by filing a bankruptcy action either Chapter 7 or Chapter 13.  This process protects you from debt collectors and allows you a fresh start with greatly reduced or entirely eliminated debts.   Schedule a free initial consultation with Attorney David Daul to assess your case.   Attorney Daul will look at your history, level of debt and determine your eligibility for a discharge.  Our process is personal and respectful to persons experiencing one of the most difficult times in their life.   Our staff will promptly file your qualified claim to maximize the discharge and meet your goals.  Bankruptcy often involves working out arrangements to keep your home and vehicle.  We educate our clients about what is possible under the bankruptcy code.   We carefully listen to the problems you may be experiencing and craft your bankruptcy plan expertly and competently.  Our process is individualized, results in the discharge of unsecured debts and allows our clients to resume their life.

As we enter Spring families begin their search for a new home and homeowners begin thinking about downsizing or increasing the size of their homes.  This means more houses on the market, many of them, ”For Sale By Owner”.  If you find a house that is being sold by the owner, who will help you with your paperwork?  Who will look out for your best interests?  The purchase of a home is the largest purchase a person will make in their lives, don’t take a chance that all will be in your favor.

Our attorneys are well versed on real estate, both the buying and the selling side of the transaction.

The workshop will feature David Daul, an attorney with Wanezek, Jaekels, Daul & Babcock; Mike Hall, CPA, and consultant with QuickStart, Inc.; KaraLynne Moore, Senior Analyst with Community First Credit Union; and Bob Jahnke, owner of Top Hat Marketing, Inc.

All are SCORE volunteers.

The panel will field questions from the audience during the open panel discussion. Daul, who specializes in business law and advises and represents clients on every aspect of business, says the No. 1 question he is usually asked relates to the need for a legal entity.

“Most entrepreneurs are wise enough to know that they need something,” Daul said. “About 90-95 percent of the time, it will be a Limited Liability Corporation (LLC). This is a better option for small businesses because there are few legal requirements.”

With an S-Corp or C-Corp, there will be formalities such as annual meetings, bylaws, agendas and operating agreements, and if these items are neglected, it could result in the loss of recognition of the corporation. The LLC is easy to form online at the Department of Financial Institutions and has one principal necessity.

Daul said: “People need to understand that personal finances have to be separate and distinctions need to be bright and sharp. The corporation is an individual entity, and if the line is blurred, there is a question of whether there is an actual corporation here.”

That means that assets and liabilities should go into the corporate name. Personal income and expenses should never be meshed with the business.

Although the LLC is likely best for small startups, the situation could benefit from the assistance of an attorney if it is a partnership. Daul says in this case, the bank likely will want to see an operating agreement that clearly defines the roles of the partners and has procedures in place for any eventuality. He cautions against downloading some boiler plate online that doesn’t fit the situation.

“When you get something off the Internet, it might not be tailored to your needs. I have seen people try to use something that met the requirements of a different state and didn’t comply with Wisconsin statutes,” he said.

As the business grows, an attorney can assist in converting from an LLC to different type of corporation depending on the tax benefits. It’s also wise to seek the advice of an attorney when preparing the variety of documents that will be used in day-to-day operations such as employee and company handbooks and policies.

Daul emphasized the importance of getting agreements and policies in writing because the world has never been in a condition where you can safely operate on a handshake.

Another major issue for businesses is the question of whether to lease or purchase real estate, and he recommends giving the business a chance to grow before making a huge investment.

“People come to me all the time, and they want to jump right in,” Daul said. “Let the business grow before taking that step and owning an asset that might be hard to sell.”

With the legal issues facing businesses being so numerous, Daul will be happy to talk about lease terms, social media, employee issues, discrimination, contracts, online shopping sites, product liability and any other legal topics that participants would like to discuss. Other panel members will be on hand to provide information in their areas of expertise.

Additional information and registration is available at www.greenbay.score.org.

Tina Dettman-Bielefeldt is co-owner of DB Commercial Real Estate in Green Bay and district director for SCORE, Wisconsin.

http://www.greenbaypressgazette.com/story/money/2015/04/22/bring-legal-questions-score-panel/26206979/

• What can they take with them?
• Is your security deposit also your last month’s rent?
• What about the water bill?
• Is there any unpaid rent?
• Is there a valid lease?
• Did the tenant give proper notice?
• What is the last day of occupancy?

If you’ve found yourself on either side of a Landlord/Tenant dispute, let our attorneys help you work things out.

March’s Law of the Month revolves around motorcycle licensure.  Motorcyclists will be pulling their bikes out of the garage very soon and are required to be licensed to drive.  Find out all about it at http://www.dot.wisconsin.gov/news/law/

If you’ve made the mistake of driving without your license and gotten caught, our attorneys can help you through the Court process.

Our attorneys have vast experience in helping business owners collect debts in the Brown County Small Claims Court system from customers who owe them.  Let them help you work through the process and put your mind at ease.

What happens when you are in an auto accident?  Do you know what you should do?  What about after the accident?  Did you know many things can factor into any settlement you might make or receive?  Was anyone injured in the accident?  Were the roads in horrible condition?  Was the other driver paying attention, texting?  Is there property damage?  Are there repair or medical bills?

Insurance companies will pressure you into settling for meager amounts if you aren’t protected.  If you find yourself involved in an accident in the Green Bay, Wisconsin area, seek legal assistance to ensure your rights are represented.  Don’t let insurance companies deny you money you may need to make a full recovery. 

The attorneys at Wanezek, Jaekels, Daul & Babcock, S.C., are experienced in personal injury litigation and will work hard to make sure you receive everything you are entitled to. Contact our firm today. Call 1-920-437-8191 to learn your rights. We will help you determine if you can receive money for your injuries.

What happens to your children when you have passed away?  Will they be provided for?  Have you recently been divorced?  How about remarried?  Who will stand to inherit your property and money when you pass?  How about the probate process, will your family need to deal with this?  And, will there be large tax consequences to how your money and property are transferred?  Wisconsin has very specific laws on this subject.

Your attorney can help you assess your needs and how you want your possessions to be handled upon your passing.  Things can happen in the blink of any eye.  The attorneys at Wanezek, Jaekels, Daul & Babcock, S.C. can assist you with your estate planning needs.