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Games Workshop and “Space Marine”

A blog piece by an author who has encountered Games Workshop’s aggressive attempts to monopolize the term “Space Marine” as part of its Warhammer 40K gaming and book product line.

It illustrates an increasing issue among authors as certain media giants use their large marketing power and large lawfirm budgets to attempt to use trademark law to do with copyright law will not allow them – to monopolize terms.

Posted in Intellectual Property.

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Colorado Springs Visiting Nurse Association suddenly closes.

A bit of a surprise, for those of our readers and clients in the Colorado Springs area who use their services, we thought we’d point out this news item.

Posted in Uncategorized.


Chapter 13 Bankruptcy and Bankruptcy Petition Preparers

I had a very frustrating day recently.  I spoke to someone who had just been through their Meeting of Creditors in the Chapter 13 bankruptcy and had a bad experience.

One issue was whether or not a Chapter 13 was appropriate for them, but that’s another post.  The person who met with me had decided that in order to save their house from foreclosure, they would file a Chapter 13 petition with the help of a  bankruptcy petition preparer.  Such preparers are not attorneys, and certainly are not licensed to practice law before the bankruptcy court.  They can’t give legal advice, they can only help you fill out the forms according to your direction …supposedly.

And they charge ridiculous amounts of money for doing a mediocre job at best.  In the case in front of me, even worse.  The person had been charged $500 for this “help” and it was very badly done.  Schedules blank that should have been filled in,  secured debts listed in the priority debts schedules, values typed where descriptions of assets should go, blanks where values should be.  And the Chapter 13 plan was so incoherent that the debtor got a three page objection from the standing CH 13 Trustee’s office.

I’m confident that the standing CH 13 trustee’s office will go after that preparer but even if that one is dealt with, the bankruptcy petition preparer business is simply full of ripoff artists.

I’m sure you think I’m saying that just to get business diverted to me instead of them.  But it isn’t true. It really is a shady, corrupt and incompetent business.  And the reality is that Chapter 13 are simply not something that “pro se” debtors are successful at.  They are complex petitions to prepare, the process of confirming Chapter 13 Plans is a complex negotiation and the standing CH 13 trustee offices are too busy and too cynical to really assist “pro se” debtors.

So another Chapter 13 debtor wasted a lot of money and a lot of time on a forlorn hope and will only get a failed Chapter 13 filing on their record when its inevitably dismissed.  And if that person I saw actually managed to get a Chapter 13 plan confirmed, the errors in the petition will cost them about three times the amount of money that paying a competent consumer bankruptcy attorney would have cost.

Posted in Bankruptcy.

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Estate Planning in Today’s Political Environment

Today’s political environment makes estate planning difficult for those people whose total assets are close the range of possible taxable estates.  Because of the charged political environment, we literally do not know what tax rates will be in January of 2013. Here, Paul Caron blogs about a poll of tax professors regarding their opinion of what tax rates will be just over a month from when I write this. Of interest to us:

8. The Estate & Gift Tax:
Will be eliminated: 1.7%
Will apply to estates over $1,000,000: 5.2%
Will apply to estates over $3,500,000: 47.4%
Will apply to estates over $5,120,000 [2012 law]: 47.4%
Will apply to estates over some amount greater than $5,120,000: 0%

The polled tax professors evenly split between $3.5 million and $5.125 millions – the latter current law – for where the estate tax would begin to bite next year. They don’t know and neither do we. So its important to review your estate planning more often in these chaotic political times.

Posted in Elder Law.


Student Loan “Hardship” Discharge

It is very difficult under current Bankruptcy law to obtain a discharge of one’s student loans.  The standards of “hardship” are very high and essentially require one to demonstrate circumstances such as a disability that result in one having no ability to repay the loans.

Here is a reference to a case where a bankruptcy court recently found a case of hardship and granted a discharge.

If you would like to discuss your situation, feel free to contact Robin at 720 684 4378.

Posted in Bankruptcy.


Scam Targeting Elderly

I just heard from a client of mine of a new scam.  She and many of her neighbors received a phone call last week from someone claiming to be from the US government informing her that her Medicare card had expired, and asking her for her bank account information to update their information and send her a new one.

Fortunately, she immediately recognized the fraudulent nature of the call and didn’t fall for it.  Don’t you fall for it either.  And if you are not the target but you have elderly parents, be aware of the many scams that target your parents.  Keep aware of what they are doing with their financial information.

Posted in Elder Law.


Credit Card Companies Prey on the Grieving

When a family member passes, there are of course a large number of competing demands for our attention during a time of grief. It is in the midst of this that collection companies often take advantage of family members of the deceased.

In Colorado, the estate of a deceased person must pay the deceased’s creditors only if there are assets in the estate in excess of state spousal and family exemptions and allowances. These can vary by the circumstances but often add up to around $50,000.00. That is in part why estates with no real estate to transfer and less than $50,000.00 in assets are not required to open a probate case in court. If the estate is not obligated to pay or lacks assets, a person’s heirs are usually not obligated to pay their debts unless they themselves were also co-signers on the account.

Nonetheless, when someone passes, collection companies for credit cards often contact the surviving family members and harass them into making payments on the deceased’s credit card accounts. These collection companies are taking advantage of family members trying to manage their grief and the deceased’s affairs and falsely claim that the family members are responsible for the debts.
In a probate case, there is an orderly process of assembling a list of the estate assets and debts, notifying creditors by publication and by mail, and determining the amounts of the estate debts that will be paid. There is never a rush to pay off accounts immediately after someone’s death and no one should allow a creditor to intimidate them into paying bills that they do not owe. It may be that it does not make sense to pay on secured loans like car loans if there is no intention to keep the car. Even where the estate has assets to pay creditors, credit card collection companies that attempt to intimidate people into paying on their loved ones’ credit card accounts are using coercion to attempt to “jump ahead” in line. For this reason, if you are handling the financial affairs of a family member, be sure to get good legal advice before attempting to settle any of the deceased’s debts.

Posted in Elder Law.


Are You the Second Wife?

Are you the second wife? A lawyers thoughts on the importance of estate planning if you are a second wife.

But I’m his wife!! an exasperated widow will shake her head at me when she receives a much smaller inheritance than she expected.

I have talked with widows who had assumed that because they were married at the time of their husband’s death that they would automatically inherit all of their husband’s estate, regardless of whether or not he left a will.

This is not true, if your husband had been previously married and has children with his former wife and does not leave a will, Colorado law limits the amount of money you can inherit. If you are in this situation, please talk to your husband about an estate plan. I know that you are busy and you are going to get to it one of these days but I urge you not to put it off. He can write a will leaving you as much of his estate as he wishes, but if he dies without making a will you are limited in the amount of money you can inherit.

Please check the beneficiary on his current life insurance policy. If he forgot to change it and the ex-wife is still listed, she will inherit the life insurance funds. The insurance company is legally required to distribute the funds to the person listed as beneficiary regardless of who he was married to at the time of death.

If you have any questions about this information, please e-mail me at lisa@robertsandroberts.net or call me at 720-684-4378.

Posted in Elder Law.


Copyright Seminar for Writers and Artists

February 8th, at 7PM at Leela’s European Cafe. 820 15th Street Denver ( corner of 15th and Champa in downtown ).

I will be presenting a seminar on Copyright Law for Writers and Artists. No signup necessary, no admission fee and you should feel free to invite along anyone you believe may enjoy the discussion.

Posted in Administration, Intellectual Property.


Tax Rates Extended and Estate Tax bite reduced.

In the final handful of days in 2010, Congress and the President reached an agreement to extend the current tax rates for another two years. Additionally, the legislation replaces the Estate Tax exemption of $1 million and 45% estate tax rate with an exemption of $5 million ($10 million for married couples) and a estate tax rate of 35%.

This is a great piece of legislation for people whose estate is at or above the $1 million amount. However, this deal between Congress and the President is short-lived. People with substantial assets still need to give serious consideration to whether or not their estate plan should prepare for tax consequences in the future. This is because with only a two year extension of these exemptions and rates, Congress has given us some breathing room but really only “kicked the can down the road”.

We are always here to any questions you may have.

Posted in Elder Law.