tag:blogger.com,1999:blog-87268112757685758032024-02-19T11:46:01.904-05:00Wills and Estate Administration-Articles from www.njlaws.comKenneth Vercammen Law Office. (732)572-0500. Edison, NJ. To email Ken V, go here:
http://www.njlaws.com/ContactKenV.htmlVercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.comBlogger1212125tag:blogger.com,1999:blog-8726811275768575803.post-85079502917323756002023-12-22T12:39:00.001-05:002023-12-22T12:39:28.592-05:00Woodbridge Library Wills, Estate Planning & Probate Seminar<p>
</p><p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><a name="OLE_LINK114"></a><a name="OLE_LINK115"></a><a name="OLE_LINK121"></a><a name="OLE_LINK122"></a><a name="OLE_LINK112"></a><a name="OLE_LINK113"></a><a name="OLE_LINK110"></a><a name="OLE_LINK111"></a><a name="OLE_LINK108"></a><a name="OLE_LINK109"><span style="mso-bookmark: OLE_LINK108;"><span style="mso-bookmark: OLE_LINK111;"><span style="mso-bookmark: OLE_LINK110;"><span style="mso-bookmark: OLE_LINK113;"><span style="mso-bookmark: OLE_LINK112;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>Woodbridge
Library</span></b></span></span></span></span></span></span></span></span></span></a></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK109;"><span style="mso-bookmark: OLE_LINK108;"><span style="mso-bookmark: OLE_LINK111;"><span style="mso-bookmark: OLE_LINK110;"><span style="mso-bookmark: OLE_LINK113;"><span style="mso-bookmark: OLE_LINK112;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Wills, Estate Planning
& Probate Seminar</span></b></span></span></span></span></span></span></span></span></span></span></p>
<span style="mso-bookmark: OLE_LINK110;"></span><span style="mso-bookmark: OLE_LINK111;"></span><span style="mso-bookmark: OLE_LINK108;"></span><span style="mso-bookmark: OLE_LINK109;"></span>
<p class="MsoNormal"><span style="mso-bookmark: OLE_LINK113;"><span style="mso-bookmark: OLE_LINK112;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">April 30 , 2024 </span></span></span></span></span></span></span><span style="mso-bookmark: OLE_LINK113;"><span style="mso-bookmark: OLE_LINK112;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Tahoma;">at 6:30.</span></span></span></span></span></span></span><span style="mso-bookmark: OLE_LINK113;"><span style="mso-bookmark: OLE_LINK112;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"></span></span></span></span></span></span></span></p>
<span style="mso-bookmark: OLE_LINK112;"></span><span style="mso-bookmark: OLE_LINK113;"></span>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b><span style="background: white; color: #333333; font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>This event will
take place <u>in-person </u> at the Woodbridge Main Library. </span></b></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Free program open to
the public, you do not need to be a Township resident to attend.</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">WILLS & ESTATE
ADMINISTRATION-PROTECT YOUR FAMILY AND MAKE PLANNING EASY </span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>SPEAKER: Kenneth Vercammen, Esq. Edison, NJ
(Author- Wills and Estate Administration by the ABA)</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: .25in; margin-top: 0in; tab-stops: 45.0pt 6.5in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><u><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>Main Topics:</span></u></span></span></span></span></p>
<p class="MsoListParagraph" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: .25in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Administering the
Estate/Probate /Surrogate</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .25in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">Dangers If
You Have No Will or documents invalid</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .25in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">Getting
your Estate Planning Documents done when you can’t go into a law office</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .25in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">What goes
into a Will</span></span></span></span></span></p>
<p class="MsoListParagraphCxSpFirst" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: .25in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Power of Attorneys
recommendations</span></span></span></span></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: .25in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Living Will &
Advance Directive for Medical Care</span></span></span></span></span></p>
<p class="MsoListParagraphCxSpLast" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: .25in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Avoiding unnecessary expenses
and saving your family money</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">This is where participants can register :</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"></span></span></span></span><a href="https://woodbridgelibrary.evanced.info/signup/EventDetails?EventId=15012&backTo=Calendar&startDate=2023/11/01" target="_blank"></a><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span class="MsoHyperlink"><span style="color: #006693; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Tahoma;"><span style="mso-spacerun: yes;"> </span>__</span></span></span></span></span></span><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;"> </span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b><span style="color: #333333; font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>For questions about registration to this
program please contact </span></b></span></span></span></span><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: #444444; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">Najea Grimes Library Associate</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: #444444; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">Woodbridge Public Library George Frederick Plaza</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: #444444; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">Woodbridge, NJ 07095 732-634-4450 ext.7117</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span><a href="mailto:ngrimes@woodbridgelibrary.org"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;">ngrimes@woodbridgelibrary.org</span></span></span></span></span></a><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span class="MsoHyperlink"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"> </span></span></span></span></span></p>
<span style="mso-bookmark: OLE_LINK121;"></span><span style="mso-bookmark: OLE_LINK122;"></span>
<p class="MsoPlainText" style="margin-right: .25in; tab-stops: 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">FB _</span></b></span></span></p>
<p class="MsoPlainText" style="margin-right: .25in; tab-stops: 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></b></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Can’t attend?<span style="mso-spacerun: yes;"> </span>We
can email you materials Send email to </span></b></span></span><a href="mailto:VercammenLaw@Njlaws.com"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="color: windowtext; font-family: "Geneva",sans-serif; font-size: 13.0pt;">VercammenLaw@Njlaws.com</span></b></span></span></a><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"></span></b></span></span></p>
<p class="MsoPlainText" style="margin-right: .25in; tab-stops: 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in .5in 2.75in 3.25in 369.0pt 5.25in 423.0pt 441.0pt 463.0pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-tab-count: 1;"> </span></span></span></span><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Free Will Seminars and Speakers Bureau for Groups</span></b></span></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in .5in 2.75in 3.25in 369.0pt 5.25in 423.0pt 441.0pt 463.0pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">SPEAKERS BUREAU</span></b></span></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in .5in 2.75in 3.25in 369.0pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;">
</span>At the request of senior citizen groups, unions, and Middlesex County
companies and organizations, the " Speakers Bureau " is a service
designed to educate citizens about how laws affect their lives and how the
judicial system operates.<span style="mso-spacerun: yes;"> </span>We have
attorneys available to speak to businesspersons, educational, civic and social
organizations on a wide range of topics during business hours.<span style="mso-spacerun: yes;"> </span>If your organization in Central NJ would like
to schedule a Will & Estates seminar, call Kenneth Vercammen’s Law Office
at 732-572-0500 or email Vercammenlaw@njlaws.com</span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>10 years ago the AARP
Network Attorneys of the Edison/Metuchen/Woodbridge area several years ago
established a community Speakers Bureau to provide educational programs to AARP
and senior clubs, Unions and Middlesex County companies. Now, Ken Vercammen,
Esq. and volunteer attorneys of the Middlesex County Estate Planning Council
have provided Legal Rights Seminars to hundreds of seniors, business owners and
their employees, unions, clubs and non-profit groups </span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Details on free
programs available</span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>These quality daytime
educational programs will educate and even entertain. Clubs and companies are
invited to schedule a free seminar. The following Seminars are now available: </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">1. WILLS & ESTATE ADMINISTRATION-PROTECT YOUR FAMILY AND </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">MAKE PLANNING EASY </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">2. POWER OF ATTORNEY to permit family to pay your bills if you are
temporarily disabled and permit doctors to talk with family </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>All instructors are
licensed attorneys who have been in practice at least 25 years. All instructors
are members of the American Bar Association, New Jersey </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">State Bar Association, and Middlesex County Bar Association. All
programs include free written materials. </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>You don't have to be
wealthy or near death to do some thinking about a Will. Here is your
opportunity to listen to an experienced attorney who will discuss how to
distribute your property as you wish and avoid many rigid provisions of state
law. </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt .5in 2.75in 3.25in 369.0pt 5.25in 423.0pt 441.0pt 463.0pt 481.5pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span></span></span></span><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Topics discussed
include: Who needs a Will?; What if you die without a Will (intestacy)?;
Mechanics of a Will; "Living Will"; Powers of Attorney; Selecting an
executor, trustee, and guardian; Proper Will execution; Inheritance Taxes,
Estate Taxes $14,000 annual gift tax exclusion,<span style="mso-spacerun: yes;">
</span>Bequests to charity, Why you need a "Self-Proving" Will and
Estate Administration/ Probate.</span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>Sample materials:
Hand-outs on Wills, Living Wills/Medical Advance Directive, Power of Attorney,
Probate and Administration of an Estate, Real Estate, Working with your
Attorney, Consumers Guide to New Jersey Laws, and Senior Citizen Rights. </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">SPEAKERS BUREAU </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">At the request of senior citizen groups, unions, and Middlesex
County companies and organizations, the " Speakers Bureau " is a
service designed to educate citizens about how laws affect their lives and how
the judicial system operates. We have attorneys available to speak to
businesspersons, educational, civic and social organizations on a wide range of
topics during business hours. </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">In today's complex world, few people can function successfully and
safely without competent legal advice. In order to insure your estate plans are
legally set up, you need to know exactly where you stand so that you can avoid
possibly catastrophic mistakes impacting both you and your family. </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoNormal" style="line-height: 20.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .25in 31.5pt 463.0pt 481.5pt; text-align: justify; text-autospace: none;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">About the speaker: Kenneth A. Vercammen is a trial
attorney in Edison, NJ. We is the author of the American Bar Association’s book
“Wills and Estate Administration”</span></span></span></p>
<p class="MsoNormal" style="line-height: 20.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .25in 31.5pt 463.0pt 481.5pt; text-align: justify; text-autospace: none;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">He is co-chair of the ABA Probate & Estate Planning
Law Committee of the American Bar Association Solo Small Firm Division.<span style="mso-spacerun: yes;"> </span>He is a speaker for the NJ State Bar
Association at the annual Nuts & Bolts of Elder Law & Estate
Administration program. </span></span></span></p>
<p class="MsoNormal" style="line-height: 20.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .25in 31.5pt 463.0pt 481.5pt; text-align: justify; text-autospace: none;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">He was Editor of the ABA Estate Planning Probate Committee
Newsletter. Mr. Vercammen has published over 150 legal articles in national and
New Jersey publications on litigation, elder law, probate and trial topics. He
is a highly regarded lecturer on litigation and probate law for the American
Bar Association, NJ ICLE, New Jersey State Bar Association and Middlesex County
Bar Association. His articles have been published in noted publications
included New Jersey Law Journal, ABA Law Practice Management Magazine, and New
Jersey Lawyer. He established the NJlaws website <u>www.njlaws.com</u> which
includes many articles on Estate Planning, Probate and Wills. He is a member of
the AARP and often lectures to groups on the importance of an up to date Will,
Power of Attorney and Living Will.</span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; mso-line-height-alt: 12.0pt; tab-stops: .25in 27.0pt 31.5pt center 225.0pt 238.0pt left 355.0pt 463.0pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;">KENNETH<span style="mso-spacerun: yes;"> </span>VERCAMMEN & ASSOCIATES, PC</b></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 463.0pt 481.5pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">ATTORNEY AT LAW</span></b></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 5.25in 463.0pt 481.5pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">2053 Woodbridge Ave.</span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 5.25in 463.0pt 481.5pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Edison, NJ 08817</span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 5.25in 463.0pt 481.5pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">(Phone) 732-572-0500</span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 351.0pt 463.0pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>(Fax)<span style="mso-spacerun: yes;">
</span>732-572-0030</span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt .5in 1.0in 2.75in 3.25in 369.0pt 463.0pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><u><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">www.njlaws.com </span></u></span></span><u><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"></span></u></p>
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{margin-bottom:0in;}</style></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-20840456712400866592023-12-03T20:54:00.003-05:002023-12-03T20:54:22.531-05:00IN THE MATTER OF A.D., ETC A-2563-21<p> Court denied counsel fees to court appointed counsel</p><p>IN THE MATTER OF A.D., ETC A-2563-21</p><p style="box-sizing: border-box; caret-color: rgb(33, 37, 41); color: #212529; font-family: Poppins, sans-serif; font-size: 14.4px; margin-bottom: 1rem; margin-top: 0px;">The issue in this appeal is whether the trial court erred in its application of the law or abused its discretion in its denial of appellants' fee applications. In a guardianship matter filed by Adult Protective Services (APS), the trial court appointed appellants to serve as the counsel and the temporary guardian of the alleged incapacitated person (AIP), who had no assets and a limited income. After working together to obtain services for the AIP, appellants and APS agreed the AIP needed only a limited guardianship, and the trial court granted that relief. </p><p style="box-sizing: border-box; caret-color: rgb(33, 37, 41); color: #212529; font-family: Poppins, sans-serif; font-size: 14.4px; margin-bottom: 1rem; margin-top: 0px;">Appellants moved for an order requiring APS to pay their fees and costs, arguing they were entitled to fees pursuant to Rule 4:42-9(a)(3), which permits a trial court to award fees in a guardianship matter pursuant to Rule 4:86-4(e), which in turn authorizes a court to compensate appointed counsel and the guardian ad litem in a guardianship matter "out of the estate of the [AIP] or in such other manner as the court shall direct." The trial court denied the fee applications, finding courts do not have the statutory authority to require APS to pay the fees of court-appointed counsel and temporary guardians and that APS had not engaged in any misfeasance warranting fee-shifting. The court agreed, concluding the Adult Protective Services Act, N.J.S.A. 52:27D-406 to -425, did not give courts the authority to order APS to pay fees under these circumstances. </p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-66853399774485515302023-12-01T16:30:00.005-05:002023-12-01T16:30:59.517-05:00Wills & Power of Attorney Seminar North Brunswick<p>
</p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Wills & Power of Attorney Seminar </span></b></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"><span style="mso-spacerun: yes;"> </span>North
Brunswick Chapter #3885 of AARP</span></b></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><a name="OLE_LINK1"></a><a name="OLE_LINK2"><span style="mso-bookmark: OLE_LINK1;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">February 5, 2024 at </span></b></span></a><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">12:30</span></b><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"> <b style="mso-bidi-font-weight: normal;"></b></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Arial;">North Brunswick Senior Center, 15 Linwood Place, North
Brunswick, NJ 08902</span><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"></span></b></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 112.0pt 2.75in 3.25in 369.0pt; text-align: justify;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 1.3in; margin-top: 0in; tab-stops: 45.0pt 6.5in; text-align: justify;"><u><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Main
Topics:</span></u><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 1.3in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Dangers If
You Have No Will or documents invalid</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 1.3in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Getting
your Estate Planning Documents done </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 1.3in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">What’s new
in 2024 in Estate Planning</span></p>
<p class="MsoListParagraphCxSpFirst" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 1.3in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt;">Power of Attorneys
recommendations</span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 1.3in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt;">Living Will &
Advance Directive for Medical Care</span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 1.3in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt;">Avoiding unnecessary
expenses and saving your family money </span></p>
<p class="MsoListParagraphCxSpLast" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 1.3in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt;">Administering the Estate/Probate
/Surrogate</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: 4.5pt 22.0pt 1.5in 3.25in 369.0pt; text-align: justify;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"><span style="mso-tab-count: 1;"> </span><b style="mso-bidi-font-weight: normal;"></b></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"><span style="mso-tab-count: 1;"> </span><b style="mso-bidi-font-weight: normal;">COMPLIMENTARY
MATERIAL: </b>Brochures on Wills, "Answers to Questions about
Probate" and Administration of an Estate, Power of Attorney, Living Wills,
and Trusts.</span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 112.0pt 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">SPEAKER: </span></b><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Kenneth Vercammen, Esq. Edison, NJ</span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 112.0pt 2.75in 3.25in 369.0pt; text-align: justify;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>(Author-
Answers to Questions About Probate)</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Must Join
the <b style="mso-bidi-font-weight: normal;">North Brunswick Chapter #3885 of
AARP to attend</b></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"> </span></b></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Call 732-670-6677</span></b><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-right: 44.7pt; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"> </span></b></p>
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{margin-bottom:0in;}</style></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-50212059430978914042023-08-22T11:13:00.001-04:002023-08-22T11:13:06.976-04:00 Sayreville Public Library Wills & Power of Attorney Seminar<p> <span face="Arial, sans-serif" style="font-size: 13pt; font-weight: 700; white-space-collapse: preserve;">Sayreville Public Library Wills & Power of Attorney Seminar</span></p><h1 align="center"><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-top: 0pt; text-align: left;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">October 30, 2023 at 6:30pm</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-top: 0pt; text-align: left;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> Open to the public. You do not need to be a resident.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-top: 0pt; text-align: left;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">SPEAKERS:</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-top: 0pt; text-align: left;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">Kenneth Vercammen, Esq. Edison, (Author- ABA’s “Wills and Estate Administration book”)</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-left: 27pt; margin-right: 76pt; margin-top: 0pt; margin: 0pt 76pt 0pt 27pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; text-decoration-line: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space-collapse: preserve;">2023 Main Topics:</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-left: 27pt; margin-right: 18pt; margin-top: 0pt; margin: 0pt 18pt 0pt 27pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">1.</span><span style="font-family: "Times New Roman", serif; font-size: 7pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">Administering the Estate/Probate /Surrogate</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-left: 36pt; margin-right: 18pt; margin-top: 0pt; margin: 0pt 18pt 0pt 36pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">2.</span><span style="font-family: "Times New Roman", serif; font-size: 7pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">Dangers If You Have No Will or documents invalid</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-left: 36pt; margin-right: 18pt; margin-top: 0pt; margin: 0pt 18pt 0pt 36pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">3.</span><span style="font-family: "Times New Roman", serif; font-size: 7pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">Getting your Estate Planning Documents done when you can’t go into a law office</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-left: 36pt; margin-right: 18pt; margin-top: 0pt; margin: 0pt 18pt 0pt 36pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">4.</span><span style="font-family: "Times New Roman", serif; font-size: 7pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">What goes into a Will</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-left: 27pt; margin-right: 18pt; margin-top: 0pt; margin: 0pt 18pt 0pt 27pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">5.</span><span style="font-family: "Times New Roman", serif; font-size: 7pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">Power of Attorneys recommendations</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-left: 27pt; margin-right: 18pt; margin-top: 0pt; margin: 0pt 18pt 0pt 27pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">6.</span><span style="font-family: "Times New Roman", serif; font-size: 7pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">Living Will & Advance Directive for Medical Care</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-left: 27pt; margin-right: 18pt; margin-top: 0pt; margin: 0pt 18pt 0pt 27pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">7.</span><span style="font-family: "Times New Roman", serif; font-size: 7pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">Avoiding unnecessary expenses and saving your family money</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-left: 27pt; margin-right: 76pt; margin-top: 0pt; margin: 0pt 76pt 0pt 27pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">WILLS & ESTATE ADMINISTRATION-PROTECT YOUR FAMILY AND MAKE PLANNING</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: left;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">This event is free & open to the public.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: left;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">Registration at __</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: left;"><span face="Arial, sans-serif" style="font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: left;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">For info, call 732.727.0212</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-left: 18pt; margin-top: 0pt; text-align: left; text-indent: 11pt;"><span face="Arial, sans-serif" style="font-size: 13pt; font-style: italic; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">Sayreville Library "Aziza Haque (Sayreville)" ahaque@lmxac.org</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-left: 18pt; margin-top: 0pt; text-align: left; text-indent: 11pt;"><span face="Arial, sans-serif" style="font-size: 13pt; font-style: italic; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">1050 Washington Road</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-left: 18pt; margin-top: 0pt; text-align: left; text-indent: 11pt;"><span face="Arial, sans-serif" style="font-size: 13pt; font-style: italic; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">Parlin NJ 08859</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-left: 18pt; margin-top: 0pt; text-align: left; text-indent: 11pt;"><span face="Arial, sans-serif" style="font-size: 13pt; font-style: italic; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">FB __</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-left: 18pt; margin-top: 0pt; text-align: left; text-indent: 11pt;"><span face="Arial, sans-serif" style="font-size: 13pt; font-style: italic; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;"> </span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-left: 18pt; margin-top: 0pt; text-align: left; text-indent: 11pt;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">Can’t attend? We can email you materials. Send email to </span><span face="Arial, sans-serif" style="color: blue; font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">VercammenLaw@Njlaws.com</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 6pt; margin-top: 0pt; text-align: left;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;"> </span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.8; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"><span class="Apple-tab-span" style="text-wrap: nowrap;"> </span></span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">Free Will Seminars and Speakers Bureau for Groups</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.8; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">SPEAKERS BUREAU</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.8; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"><span class="Apple-tab-span" style="text-wrap: nowrap;"> </span></span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> At the request of senior citizen groups, unions, and Middlesex County companies and organizations, the " Speakers Bureau " is a service designed to educate citizens about how laws affect their lives and how the judicial system operates. We have attorneys available to speak to businesspersons, educational, civic and social organizations on a wide range of topics during business hours. If your organization in Central NJ would like to schedule a Will & Estates seminar, call Kenneth Vercammen’s Law Office at 732-572-0500 or email </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; text-decoration-line: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space-collapse: preserve;">Vercammenlaw@njlaws.com</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"><span class="Apple-tab-span" style="text-wrap: nowrap;"> </span></span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">10 years ago the AARP Network Attorneys of the Edison/Metuchen/Woodbridge area several years ago established a community Speakers Bureau to provide educational programs to AARP and senior clubs, Unions and Middlesex County companies. Now, Ken Vercammen, Esq. and volunteer attorneys of the Middlesex County Estate Planning Council have provided Legal Rights Seminars to hundreds of seniors, business owners and their employees, unions, clubs and non-profit groups</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: left;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">Details on free programs available</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"><span class="Apple-tab-span" style="text-wrap: nowrap;"> </span></span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">These quality daytime educational programs will educate and even entertain. Clubs and companies are invited to schedule a free seminar. The following Seminars are now available:</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">1. WILLS & ESTATE ADMINISTRATION-PROTECT YOUR FAMILY AND</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">MAKE PLANNING EASY</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">2. POWER OF ATTORNEY to permit family to pay your bills if you are temporarily disabled and permit doctors to talk with family</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> All instructors are licensed attorneys who have been in practice at least 25 years. All instructors are members of the American Bar Association, New Jersey</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">State Bar Association, and Middlesex County Bar Association. All programs include free written materials.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"><span class="Apple-tab-span" style="text-wrap: nowrap;"> </span></span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">You don't have to be wealthy or near death to do some thinking about a Will. Here is your opportunity to listen to an experienced attorney who will discuss how to distribute your property as you wish and avoid many rigid provisions of state law.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.8; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> Topics discussed include: Who needs a Will?; What if you die without a Will (intestacy)?; Mechanics of a Will; "Living Will"; Powers of Attorney; Selecting an executor, trustee, and guardian; Proper Will execution; Inheritance Taxes, Estate Taxes $14,000 annual gift tax exclusion, Bequests to charity, Why you need a "Self-Proving" Will and Estate Administration/ Probate.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"><span class="Apple-tab-span" style="text-wrap: nowrap;"> </span></span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> Sample materials: Hand-outs on Wills, Living Wills/Medical Advance Directive, Power of Attorney, Probate and Administration of an Estate, Real Estate, Working with your Attorney, Consumers Guide to New Jersey Laws, and Senior Citizen Rights.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">SPEAKERS BUREAU</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"><span class="Apple-tab-span" style="text-wrap: nowrap;"> </span></span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">At the request of senior citizen groups, unions, and Middlesex County companies and organizations, the " Speakers Bureau " is a service designed to educate citizens about how laws affect their lives and how the judicial system operates. We have attorneys available to speak to businesspersons, educational, civic and social organizations on a wide range of topics during business hours.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"><span class="Apple-tab-span" style="text-wrap: nowrap;"> </span></span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">In today's complex world, few people can function successfully and safely without competent legal advice. In order to insure your estate plans are legally set up, you need to know exactly where you stand so that you can avoid possibly catastrophic mistakes impacting both you and your family.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 2; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"><span class="Apple-tab-span" style="text-wrap: nowrap;"> </span></span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">About the speaker: Kenneth A. Vercammen is a trial attorney in Edison, NJ. We is the author of the American Bar Association’s book “Wills and Estate Administration”</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 2; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">He is co-chair of the ABA Probate & Estate Planning Law Committee of the American Bar Association Solo Small Firm Division. He is a speaker for the NJ State Bar Association at the annual Nuts & Bolts of Elder Law & Estate Administration program.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 2; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">He was Editor of the ABA Estate Planning Probate Committee Newsletter. Mr. Vercammen has published over 150 legal articles in national and New Jersey publications on litigation, elder law, probate and trial topics. He is a highly regarded lecturer on litigation and probate law for the American Bar Association, NJ ICLE, New Jersey State Bar Association and Middlesex County Bar Association. His articles have been published in noted publications included New Jersey Law Journal, ABA Law Practice Management Magazine, and New Jersey Lawyer. He established the NJlaws website </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; text-decoration-line: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space-collapse: preserve;">www.njlaws.com</span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> which includes many articles on Estate Planning, Probate and Wills. He is a member of the AARP and often lectures to groups on the importance of an up to date Will, Power of Attorney and Living Will.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">KENNETH VERCAMMEN & ASSOCIATES, PC</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">ATTORNEY AT LAW</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">2053 Woodbridge Ave.</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">Edison, NJ 08817</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">(Phone) 732-572-0500</span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"> (Fax)</span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;"><span class="Apple-tab-span" style="text-wrap: nowrap;"> </span></span><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space-collapse: preserve;">732-572-0030</span></p><p style="font-size: medium; font-weight: 400; text-align: left;"><span id="docs-internal-guid-a78e08dc-7fff-296f-51b4-52f4ddac9189"></span></p><p dir="ltr" style="font-size: medium; font-weight: 400; line-height: 1.38; margin-bottom: 0pt; margin-right: 31pt; margin-top: 0pt; text-align: justify;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; text-decoration-line: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space-collapse: preserve;">www.njlaws.com</span></p></h1>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-4055978734720253542023-08-21T13:49:00.001-04:002023-08-21T13:49:10.534-04:00Wills, Probate and Elder Law - Adult and Community Education Monday March 8, 2010 7 - 8:30 P.M<p> <strong>WILLS, PROBATE AND ELDER LAW- Adult and Community Education</strong></p><p><strong>WHEN: Monday March 8, 2010 </strong></p><p><strong>7 - 8:30 P.M.</strong></p><p><strong> </strong></p><p><strong>East Brunswick Adult & Community Education Program</strong></p><p><strong>East Brunswick High School, </strong>380 <strong>Cranbury Rd</strong></p><p><strong>Fee: $29</strong></p><p><strong> For additional information, call the East Brunswick Adult Education Office for registration information 732- 613-6989</strong></p><p><strong> </strong></p><p><strong>Instructor: Kenneth Vercammen, Esq. of Edison</strong></p><p><strong>(Co-Author- NJ Elder Law & Probate)</strong></p><p><strong>COMPLIMENTARY MATERIAL: Brochures on Wills, “Probate and Administration of an Estate”, Power of Attorney, Living Wills, Real Estate Sales for Seniors, and Trusts.</strong></p><p><strong> </strong></p><p><strong> You don’t have to be wealthy or near death to do some thinking about a will. Here is your opportunity to listen to an experienced attorney who will discuss how to distribute your property as you wish and avoid many rigid provisions of the state law. Topics covered by author of “Answer to questions about Probate” will include: Wills, revocable trusts, irrevocable trusts, power of attorney, living will, long term care insurance, reverse mortgage, plus the opportunity to ask questions.</strong></p><p><strong>Here is your opportunity to listen to an experienced attorney who will answer questions how to distribute your property and avoid many rigid provisions of state law. For more information on Elder law, visit the Website www.CentralJerseyElderLaw.com. You can also subscribe to the free email Elder Law newsletter by visiting the website.</strong></p><p><strong>For additional information, call the East Brunswick Adult Education Office for registration information 732- 613-6989</strong></p><p><strong>KENNETH VERCAMMEN & ASSOCIATES, PC</strong></p><p><strong>ATTORNEY AT LAW</strong></p><p>2053 Woodbridge Ave.</p><p>Edison, NJ 08817</p><p>(Phone) 732-572-0500</p><p> (Fax) 732-572-0030</p><p>website: www.njlaws.com</p><div><br /></div>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-72071227136182030912023-08-16T15:20:00.002-04:002023-08-16T15:20:27.940-04:00Wills and Estate Administration - Why Everyone Should Have a Will<h1 align="center"><strong> Wills and Estate Administration - Why Everyone Should Have a Will</strong></h1> <p></p><p align="center"> </p>
<p>Contact the Law Office of KENNETH A VERCAMMEN for Legal Representation Wills and Estate Administration</p>
<p>WILLS -- WHY EVERYONE SHOULD MAKE ONE</p>
<p>Transfer of an estate to an individuals heirs after his death may be
an orderly or thoroughly disorganized process. It depends on a
four-letter word -- WILL. Every person, eighteen (18) years of age or
over should make one. This important document is a legal declaration of
the way an individual wants his property distributed. Whether the estate
is large or small, it is desirable to transfer what you own with a
properly executed will -- whether you are a man or woman, married or
single. Those without wills may leave their survivors in financial
insecurity or downright frustration. It is to the advantage of both the
individual and his family or his close friends that he execute a will.
Contrary to general opinion, frequently the smaller amounts involved,
the greater trouble when there is no will. Squabbles over a few thousand
dollars an be more bitter than fights over many thousands.</p>
<p>Information below from the website of the COUNTY OF CUMBERLAND STATE OF NEW JERSEY SURROGATES COURT</p>
<p>YOUR WILL -- A BLUEPRINT FOR THE FUTURE</p>
<p>Making a will in an important step in your financial management
program. To save your heirs time and money, plan now for the orderly
transfer of your property. In this way the cost of a bond and possible
disagreement among those who are to receive your property may be
avoided. You decide to whom, when, and in what amounts your assets
should go. You select your executor or personal representative, the one
who shall be responsible for the disposition of the estate. You may
avoid forced sale of your property, or costly and tedious applications
to courts for the right to sell it. You have greater assurance that your
plans will be carried out as you desire. One way to guarantee trouble
to a family is not to make a will. Court records bulge with tragic tales
of families torn apart and caused immeasurable pain and financial
expense because the income producer did not do so. Without a will your
estate must be distributed according to the intestate laws, the
provisions of which are general and inflexible. The law will say show
shall administer your estate, among whom, and how it shall be divided.
By losing the privilege of naming your executor or personal
representative, you may make a costly mistake. Your property may not be
distributed as you wish, and thus cause hardship for those you want to
safeguard most. Without a will you lose the privilege of naming a
guardian for your minor children. This is vital, particularly if your
spouse should not survive you. If you leave no immediate family, failure
to leave a will may result in your property going to persons in whom
you have no particular interest. Wills are not do-it-yourself projects.
Secure the services of an attorney. Although many prepared without legal
aid have been successfully executed, the risk is too great. A minor
detail may invalidate your good intentions.</p>
<p>STEPS IN PREPARING YOUR WILL</p>
<p>A document that will stand up in court, if necessary, and be
tailor-made to meet the needs of your family, must first be thought out
carefully by you, and then skillfully prepared by a lawyer who
specializes in will drafting and estate planning. He can guide you to
the best decisions -- but only after obtaining all the facts that you
alone can give. Thus, you can be sure that your will is properly
phrased, witnessed, and has all the technicalities observed. It is
penny-wise and pound- foolish not to pay a lawyers fee for this service.
The charge will depend on the size and character of the estate and the
work involved. Here are some points to know when making a will:</p>
<p>You dont need to make an itemized statement of your assets, nor do
you need to state the disposition of your property item by item.</p>
<p>You can change it at any time you wish, as your assets, beneficiaries or desires change.</p>
<p>Your will is not recorded before death; no one need know of it if that is your wish.</p>
<p>The existence of the will does not affect your ability to sell or
dispose of property. You may continue as though you had not written the
document.</p>
<p>Start by making a list of everything you own and all you owe -- a
statement that will show exactly where you stand financially. Decide to
whom you will lave your real and personal property. Do it
systematically. Be certain you have stated just what your wishes are by
making a list of the persons involved, their relationship to you, your
objectives, when their bequest is to be given, and how it is to be
provided -- through a trust fund, life insurance trust, etc., and the
source of the funds, whether from the general estate or proceeds of
insurance policies. Take this list to the lawyer who is counseling with
you. Select an executor, executrix or personal representative to
administer the will. This may be the beneficiary who will inherit the
bulk of your estate, a member of the family, your legal or financial
advisor, a trusted friend or business associate. You should name a
contingent executor or personal representative to act in case your first
selection dies before you, or is unable to serve. A bank can act as
executor, personal representative, trustee under a trust, or guardian of
either a minor or an incompetent person. A bank is experienced and
familiar with accounting and management details. It is financially
responsible and a continuing institution -- an individual may die, but a
bank has continued life. In selecting your executor or personal
representative and trustee, the choice should be made with great care.
The decision should be businesslike, not sentimental. While sentiment
and friendship cause some people to name members of the family or close
friends, remember that your executor or personal representative has the
important responsibility of settling your estate and seeing that the
wishes expressed are faithfully carried out. Here are a few of things an
executor or personal representative must do, in addition to seeing that
the will is offered for probate:</p>
<p>Qualify as executor, (also known as Personal Representative), obtain certificate of authority, and if necessary, execute a bond.</p>
<p>Locate and take possession of all property, discover and assert all rights and line up claims owned by the estate.</p>
<p>Prepare and file an inventory of all property and interest of any kind belonging to the estate, listing the appraised value.</p>
<p>Review all assets, liquidating those of doubtful character.</p>
<p>Advertise for claims and pay them in the order cited by law.</p>
<p>Collect monies due the estate.</p>
<p>Figure and pay taxes.</p>
<p>Pay legacies under the will.</p>
<p>Distribute the estate.</p>
<p>Make final accounting to the court.</p>
<p>It is important that you name a guardian if you have minor children.
When you consult the attorney, ask for a rough draft of your will and
study it carefully before signing the final copy.</p>
<p>KEEPING YOUR WILL UP TO DATE</p>
<p>Periodically review your will to keep it up to date. Keeping it
current is just as important as making one in the first place. Changes
in your life such as marriage, birth of child, death, crippling
accident, change of witnesses, purchase or sale of property, a change in
your financial status -- or a change in the estate law may make
important revisions or a new will advisable. A will drawn in another
state can be valid; however, revisions in relation to New Jersey laws
may be prudent. You are free to change it any time, but do it correctly.</p>
<p>HOW TO CHANGE YOUR WILL</p>
<p>The safe way to change a will is to have a new one drawn; however, a
codicil may be effective. A codicil is a separate document used to make
minor changes. It must be signed with the same formality as the will
itself. It is not necessary to have the same witnesses on the codicil
and the original will; however, both sets of witnesses must prove the
will. Do not try to change your will by drawing lines through items,
erasing, writing over or adding notations. This may destroy it as a
legal document. Information compliments of Cumberland Surrogate.</p>
<p>INTESTATE SUCCESSION</p>
<p>When no will exists, the statutes of New Jersey provide for the
distribution of property to heirs, that is, by intestate succession. HOW
WILL YOUR PROPERTY BE DIVIDED IF YOU HAVE NO WILL? THE CHART BELOW
SHOWS HOW AN ESTATE IS DISTRIBUTED IN NEW JERSEY IF YOU DO NOT LEAVE A
WILL. If you die without leaving a Will and are a resident of New
Jersey, the State law provides the manner for distributing your
property. Your net estate remaining after deduction of debts, taxes,
family exemptions, etc., would be distributed under the Statutes
governing Decedents Estates and, in the case of most common occurrence,
the heirs who would receive such property are as follows: Property owned
jointly be husband and wife is automatically owned by the survivor. The
following charts show the distribution of separately owned property.
(Effective September 1, 1978) If You Die Leaving: Wife or Husband and
Child or Children (also of Survivor) Or their Descendants Wife or
Husband receives $50,000 plus one-half of balance Child or Children
receive one-half of balance divided equally Grandchildren take their
deceased parents share unless all children be deceased, then all
grandchildren share equally.</p>
<p>APPOINTMENT OF ADMINISTRATOR OR PERSONAL REPRESENTATIVES</p>
<p>When there is no will, an administrator, administratrix or personal
representative is appointed by the court. Any close relative may be
appointed. For an individual or a bank to be appointed administrator or
personal representative, all other heirs must renounce their right. A
surety bond must be furnished by paying a premium to a surety company
for signing his or her bond. In the case of spouse, the need for a
surety bond is waived if the surviving spouse is the sole inheritor of
the estate not exceeding $50,000.00. If the estate is over $50,000.00 a
bond must be provided for the amount over $50,000.00. The county
surrogate grants letters of administration showing the authority to act.
Information compliments of Cumberland Surrogate.</p>
<p>HOW A WILL IS PROBATED</p>
<p>Upon the death of the testator or testatrix, the will is probated.
This is the legal process which establishes the genuineness of the will.
It is done by the surrogate in the county where the testator or
testatrix resides at the time of death. The executor, executrix or
personal representative is appointed by going to the Surrogate Court
with the will, a death certificate, and one of the witnesses. If the
"attestation" clause (where the witnesses sign) is properly worded, only
one of the witnesses need be present when a will is probated. If the
attestation clause is not correct, both witnesses must be present. If
both witnesses are dead, and there is one attestation clause, the will
can be probated by proving their signatures. If they have moved away,
the surrogate can appoint a commissioner where the witnesses reside to
take their testimony. If an Affidavit of Testator and witnesses is
acknowledged by a Notary Public, the witnesses need not appear at the
time of probate.</p>
<p>NOTICE TO CREDITORS TO PRESENT CLAIMS</p>
<p>When a NOTICE TO CREDITORS is published, the executor/trix,
administrator/trix shall mail a copy of the NOTICE TO CREDITORS to each
creditor of the estate of which the personal representative knows or
which can be ascertained by reasonable inquiry, by ordinary mail to the
creditors last known address.</p>
<p>TAXES THAT INFLUENCE YOUR WILL</p>
<p>Three kinds of taxes can influence the provisions of your will:
inheritance, estate and gift. An inheritance by will, by law, by
surviving joint owner, or from life insurance is not income and is not
subject to income tax.</p>
<p>New Jersey Inheritance Tax Inheritance Tax is a tax payable by an
heir or beneficiary for the right to acquire the property of a deceased
person or to receive a gift in anticipation of death. The tax is
determined by the amount inherited and by the relationship of the
individual to the deceased. In New Jersey, no one is taxed for receiving
property, including money, worth up to $499.99.</p>
<p>Inheritance Tax Rates Spouses: All property passing to a spouse from a
deceased spouse who died since January 1, 1985 is free of New Jersey
inheritance tax. Forms for proving the exemption on checking accounts,
savings accounts, Certificates of Deposit, etc. may be obtained from the
institution holding the funds. Parents, grandparents, children,
grandchildren, adopted children, or stepchildren: The first $50,000.00
is exempt where the decedent died between July 1, 1985 and July 1, 1986.
The exemption is raised to $150,000.00 for decedents dying between July
1, 1986 and July 1, 1987; to $250,000.00 for decedents dying between
July 1, 1987 and July 1, 1988. After July 1, 1988 all property passing
to such persons is exempt. Brother, sister, daughter-in-law, or
son-in-law: If the inheritance is $500.00 or more, the tax is 11 percent
of the entire amount up to $1,100,000.00 and increases gradually
thereafter. For persons dying after July 1, 1988 the exemption is
$25,000.00. Every other beneficiary pays 15 percent on the total amount
up to $700,000.00. Tax is 16 percent on remainder. Charitable,
religious, or benevolent institutions: Each beneficiary in this class is
tax exempt entirely. Money or property left the State of New Jersey, a
municipality, or a nonprofit educational institution is exempt from
inheritance tax.</p>
<p>Filing New Jersey Inheritance Tax Returns A substantial number of
estates remain taxable and even some on which no tax is due require the
filing of a New Jersey Inheritance Tax Return. Tax forms and
instructions are furnished by the District Supervisor of the Transfer
Inheritance Tax Bureau in the county where the decedent (a deceased
person) resided at the time of death. The Executor, administrator or a
personal representative files the completed inheritance tax return with
the District Supervisor of the Transfer Inheritance Tax Bureau.</p>
<p>Clearing Title and Transferring Property For those estates that are
taxable, unpaid inheritance taxes are a lien on New Jersey real estate
and shares and stocks of corporations and financial institutions
organized under laws of New Jersey. If there is no tax, the Transfer
Inheritance Tax Bureau sends waivers that are required to clear title to
the land and transfer ownership of bank accounts or securities.</p>
<p>If there is a tax, a bill is submitted and the waivers sent when the
tax is paid. To clear title to real property, a waiver is filed with the
county clerk in the county where the land is located. Land held by
husband and wife as tenants by the entirety need not be reported and may
be transferred without a waiver in the estate of the one first dying.
To transfer stocks, shares, and securities of financial institutions and
New Jersey corporations, the executor, administrator or personal
representative sends waivers to them when asking transfer.</p>
<p>Inheritance tax returns must be filed and the tax paid within 8
months after decedents death to avoid interest, charged at the rate of
10 percent per year. Although the interest penalty cannot be waived
beyond this 8-month period, the time for filing may be extended on
application to the bureau. This tax information is general and may not
apply to each estate; therefore, it is advised that the inheritance tax
supervisor be contacted for further information before the estate is
settled.</p>
<p>Gift Tax New Jersey does not levy a tax on gifts, except in
anticipation of death. Any gift made within 3 years of death is presumed
to be in anticipation of death and may be subject to New Jersey
Inheritance tax. An individual may give an amount up to $10,000 to any
one person during the calendar year, exempt from tax. A married couple
can give up to $20,000 to a person yearly without tax. Any number of
tax- free gifts may be made during the year. If you make gifts to one
person of more than $10,000 during the calendar year, file a Federal
Gift Tax Return with the District Director of Internal Revenue. Gifts
between husband and wife are exempt from Federal Gift Tax. Federal
Marital Deductions An unlimited amount of real and personal property can
be transferred between spouses without Federal Estate Tax. For proper
application of the marital deduction, contact your attorney or trust
officer at your bank.</p>
<p>SELF PROVING WILLS RECOMMENDED USE SELF PROVING WILLS TO SPEED UP PROBATE</p>
<p>Prior to 1978, New Jersey Probate Rules required one of the two
witnesses to a will to travel and appear in the surrogate¹s office and
sign a paper to certify they were a witness. This often created problems
when the witness was deceased, moved away, or simply could not be
located. Some witnesses would require a $500 fee to simply sign a
surrogate paper.</p>
<p>In 1978, the New Jersey Legislature passed a law to create a new type
of will called a ³Self-Proving Will.² In such a will, the person for
whom the will is made will sign. Then two witnesses sign. Then the
attorney or notary must sign; with certain statutory language to
indicate the will is self proving. When done properly, the execution
will not have to locate any witnesses. This usually saves time and
money. If your will is not ³self-proving² or if you are unsure, schedule
an appointment with an elder law attorney.</p>
<p>GLOSSARY</p>
<p>Administrator, Administratrix (also known as Personal Representative)
-- Person or institution appointed by the court to manage and
distribute the estate of a person who dies without a will.</p>
<p>Beneficiary -- Person named to receive property or benefits.</p>
<p>Codicil -- An addition or supplement made to change or add provisions to a will.</p>
<p>Contingent beneficiary -- Receiver of property or benefits if first-named beneficiary dies before receiving all benefits.</p>
<p>Contract -- Legally enforceable agreement.</p>
<p>Decedent -- A deceased person.</p>
<p>Devise -- To give real or Personal Property.</p>
<p>Estate -- Everything a person owns, all real and personal property owned.</p>
<p>Executor, Executrix (also known as Personal Representative) -- A
person or institution named in the will to carry out the provisions and
directions of the will.</p>
<p>Intestate -- A person who dies without making a valid will.</p>
<p>Legatee -- Person who receives personal property under a will.</p>
<p>Levied -- To collect by assessment.</p>
<p>Lien -- A charge upon property, real or personal, for the satisfaction of a debt.</p>
<p>Personal property -- Intangible property, such as stocks, bonds, or
bank accounts; and tangible property such as Furniture, Automobile, and
Jewelry.</p>
<p>Probate -- Official proof of the genuineness of a will.</p>
<p>Real property -- Land and buildings.</p>
<p>Surrogate -- A judicial officer who has jurisdiction over the probate
of wills in the absence of a contest and acts as the Clerk of the
Probate</p>
<p>Court in the settlement of estates, guardianships, and trusts.</p>
<p>Tenants in common -- Two or more persons owning individual interests in property.</p>
<p>Testator, Testatrix -- The person who makes a will.</p>
<p>Trust -- Property owned and managed by one person for the benefit of another.</p>
<p>Trustee -- Person or institution holding property in trust.</p>
<p>Waiver -- A legal instrument relinquishing a right or lien.</p>
<p>Will -- A legal declaration of the manner in which a person wishes his</p>
<p>estate divided after death.</p>
<p>Witness -- Person who observes the signing of a will and also attests to</p>
<p>the signatures.</p>
<p>Part of the above information from the website of the Surrogate of Cumberland County.</p>
<p>Contact the Law Office of</p>
<p>Kenneth Vercammen & Associates, P.C.</p>
<p>732-572-0500</p>
<p>GLOSSARY</p>
<p>Administrator, Administratrix (also known as Personal Representative)
-- Person or institution appointed by the court to manage and
distribute the estate of a person who dies without a will.</p>
<p>Beneficiary -- Person named to receive property or benefits.</p>
<p>Codicil -- An addition or supplement made to change or add provisions to a will.</p>
<p>Contingent beneficiary -- Receiver of property or benefits if first-named beneficiary dies before receiving all benefits.</p>
<p>Contract -- Legally enforceable agreement.</p>
<p>Decedent -- A deceased person.</p>
<p>Devise -- To give real or Personal Property.</p>
<p>Estate -- Everything a person owns, all real and personal property owned.</p>
<p>Executor, Executrix (also known as Personal Representative) -- A
person or institution named in the will to carry out the provisions and
directions of the will.</p>
<p>Intestate -- A person who dies without making a valid will.</p>
<p>Legatee -- Person who receives personal property under a will.</p>
<p>Levied -- To collect by assessment.</p>
<p>Lien -- A charge upon property, real or personal, for the satisfaction of a debt.</p>
<p>Personal property -- Intangible property, such as stocks, bonds, or
bank accounts; and tangible property such as Furniture, Automobile, and
Jewelry.</p>
<p>Probate -- Official proof of the genuineness of a will.</p>
<p>Real property -- Land and buildings.</p>
<p>Surrogate -- A judicial officer who has jurisdiction over the probate
of wills in the absence of a contest and acts as the Clerk of the
Probate</p>
<p>Court in the settlement of estates, guardianships, and trusts.</p>
<p>Tenants in common -- Two or more persons owning individual interests in property.</p>
<p>Testator, Testatrix -- The person who makes a will.</p>
<p>Trust -- Property owned and managed by one person for the benefit of another.</p>
<p>Trustee -- Person or institution holding property in trust.</p>
<p>Waiver -- A legal instrument relinquishing a right or lien.</p>
<p>Will -- A legal declaration of the manner in which a person wishes his</p>
<p>estate divided after death.</p>
<p>Witness -- Person who observes the signing of a will and also attests to</p>
<p>the signatures.</p>
<p>This Page Provided Courtesy Of Harry A. Freitag, Jr.,Surrogate of Cumberland County.</p>
<p> </p><p> </p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-47766721064447087732023-08-16T14:57:00.001-04:002023-08-16T14:57:16.553-04:00Wills, Estate Planning & Probate Seminar<table border="0" cellspacing="10" style="width: 100%;"><tbody><tr><td height="33" valign="top" width="818"><h1 align="center"><strong> Wills, Estate Planning & Probate Seminar</strong></h1></td> </tr> <tr> <td valign="top"> <p>Sayreville Senior Center</p> Wills, Estate Planning & Probate Seminar<p></p> April 26 at 11:00am Free community program<p></p> 423 Main St., Sayreville, NJ 08872<p></p> <p></p> <p></p> WILLS & ESTATE ADMINISTRATION-PROTECT YOUR<p></p> FAMILY AND MAKE PLANNING EASY<p></p> <p></p> SPEAKER: Kenneth Vercammen, Esq. Edison, NJ (Author-Answers to Questions About Probate)<p></p> <p></p> The NJ Probate Law made a number of substantial changes in Probate and the administration of estates and trusts in New Jersey.<p></p> Main Topics:<p></p> 1. The New Probate Law and preparation of Wills<p></p> 2. 2016 changes in Federal Estate and Gift Tax<p></p> 3. NJ Estate Tax on estates over $675,000<p></p> 4. Power of Attorney<p></p> 5. Living Will<p></p> 6. Administering the Estate/ Probate/Surrogate<p></p> 7. Questions and Answer<p></p> <p></p> COMPLIMENTARY MATERIAL: Brochures on Wills, Answers to<p></p> Questions about Probate and Administration of an Estate, Power of<p></p> Attorney, Living Wills, Real Estate Sales for Seniors, and Trusts.<p></p> <p></p> Metuchen Library 480 Middlesex Ave, Metuchen, NJ 08840<p></p> (732) 632-8526<p></p> <a href="http://www.metuchenlibrary.org/" target="_blank">http://www.metuchenlibrary.org/</a><p></p> <p></p> Free Will Seminars and Speakers Bureau for Groups<p></p>
10 years ago the AARP Network Attorneys of the
Edison/Metuchen/Woodbridge area several years ago established a
community Speakers Bureau to provide educational programs to AARP and
senior clubs, Unions and Middlesex County companies. Now, Ken Vercammen,
Esq. and volunteer attorneys of the Middlesex County Estate Planning
Council have provided Legal Rights Seminars to hundreds of seniors,
business owners and their employees, unions, clubs and non-profit
groups.<p></p> <p></p> <p></p> These quality daytime educational
programs will educate and even entertain. Clubs and companies are
invited to schedule a free seminar. The following Seminars are now
available:<p></p> 1. WILLS & ESTATE ADMINISTRATION-PROTECT YOUR FAMILY AND<p></p> MAKE PLANNING EASY<p></p> 2. POWER OF ATTORNEY to permit family to pay your bills if you are temporarily disabled and permit doctors to talk with family<p></p>
All instructors are licensed attorneys who have been in practice at
least 25 years. All instructors are members of the American Bar
Association, New Jersey<p></p> State Bar Association, and Middlesex County Bar Association. All programs include free written materials.<p></p> <p></p>
You dont have to be wealthy or near death to do some thinking about a
Will. Here is your opportunity to listen to an experienced attorney who
will discuss how to distribute your property as you wish and avoid many
rigid provisions of state law.<p></p> <p></p> Topics discussed include:
Who needs a Will?; What if you die without a Will (intestacy)?;
Mechanics of a Will; Selecting an executor, trustee, and guardian;
Proper Will execution; Inheritance Taxes, Estate Taxes Living Will;
Powers of Attorney; $13,000 annual gift tax exclusion, Bequests to
charity, Why you need a Self-Proving Will and Estate Administration/
Probate.<p></p> <p></p> Sample materials: Hand-outs on Wills, Living
Wills/Medical Advance Directive, Power of Attorney, Probate and
Administration of an Estate, Real Estate, Working with your Attorney,
Consumers Guide to New Jersey Laws, and Senior Citizen Rights.<p></p> <p></p> SPEAKERS BUREAU<p></p> <p></p>
At the request of senior citizen groups, unions, and Middlesex County
companies and organizations, the Speakers Bureau is a service designed
to educate citizens about how laws affect their lives and how the
judicial system operates. We have attorneys available to speak to
businesspersons, educational, civic and social organizations on a wide
range of topics during business hours.<p></p> <p></p> HELP YOUR MEMBERS LEARN THE LAW, PREVENT OR AVOID LEGAL<p></p> PROBLEMS<p></p> <p></p>
Chances are many of your members have been in a situation where they
could benefited from legal advice. Have you ever been in an accident?
Has a motor vehicle or criminal complaint ever been filed against you or
a member of your family? Many individuals face these and other types of
problems. Often people do not protect their rights, only to later face
lengthy license suspensions or even jail for failure to resolve legal
problems early on. Thats why Legal Rights Seminars are offered.<p></p> <p></p>
This means your members can get advice and possibly prevent legal
problems before they occur. Most importantly, they can have peace of
mind. Americans need an attorney when legal problems strike. As in the
case of medical services, early treatment can prevent catastrophe and
its attendant cost in time and money. For example, psychological studies
have demonstrated that there is a direct correlation between legal
problems and lost work time and productivity. Employees work performance
often has a direct relationship to personal legal problems. Therefore,
the sooner a solution can be found for the employees problems, the
sooner employees can focus on their work.<p></p> <p></p> In todays
complex world, few people can function successfully and safely without
competent legal advice. In order to insure your estate plans are legally
set up, you need to know exactly where you stand so that you can avoid
possibly catastrophic mistakes impacting both you and your family. For
additional information on the Legal Seminars, contact our Coordinator,
Kenneth Vercammens law office at (732) 572-0500, email <a href="mailto:VercammenLaw@njlaws.com" target="_blank">VercammenLaw@njlaws.com</a><p></p> <p></p>
About the speaker: Kenneth A. Vercammen is a trial attorney in Edison,
NJ. He is co-chair of the ABA Probate & Estate Planning Law
Committee of the American Bar Association Solo Small Firm Division. He
is a speaker for the NJ State Bar Association at the annual Nuts &
Bolts of Elder Law & Estate Administration program. He is writing a
book for the ABA on Wills and Estates.<p></p> <p></p> He was Editor of
the ABA Estate Planning Probate Committee Newsletter. Mr. Vercammen has
published over 150 legal articles in national and New Jersey
publications on litigation, elder law, probate and trial topics. He is a
highly regarded lecturer on litigation and probate law for the American
Bar Association,<p></p> NJ ICLE, New Jersey State Bar Association and Middlesex County Bar Association.<p></p>
His articles have been published in noted publications included New
Jersey Law Journal, ABA Law Practice Management Magazine, and New Jersey
Lawyer. He established the NJlaws website <a href="http://www.njlaws.com" target="_blank">www.njlaws.com</a>
which includes many articles on Estate Planning, Probate and Wills. He
is a member of the AARP and often lectures to groups on the importance
of an up to date Will, Power of Attorney and Living Will.<p></p> <p></p> KENNETH VERCAMMEN & ASSOCIATES, PC<p></p> ATTORNEY AT LAW<p></p> 2053 Woodbridge Ave.<p></p> Edison, NJ 08817<p></p> (Phone) 732-572-0500<p></p> (Fax) 732-572-0030<p></p> <a href="http://www.njlaws.com" target="_blank">www.njlaws.com</a><p></p> <a href="http://www.CentralJerseyElderLaw.com" target="_blank">www.CentralJerseyElderLaw.com</a><p></p><p></p> <p></p></td> </tr> <tr> <td valign="top"><br /></td></tr></tbody></table><p> </p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-91389109901057965912023-08-16T13:59:00.003-04:002023-08-16T13:59:54.550-04:00Wills, Estate Planning & Probate Seminar Sponsored by Jewi<table border="0" cellspacing="10" style="width: 100%;"><tbody><tr><td height="33" valign="top" width="818"><h1 align="center"><strong> Wills, Estate Planning & Probate Seminar Sponsored by Jewi</strong></h1></td> </tr> <tr> <td valign="top"> <p></p><p><strong><span>Press Release:</span></strong></p> <p><strong><span>Wills, Estate Planning & Probate Seminar </span></strong></p> <p><strong><span>Sponsored by Jewish Family Services</span></strong></p> <p><strong><span>Held at </span></strong><span><a href="http://www.hpctc.net/"><strong><span>Highland Park Conservative Temple - Congregation Anshe Emeth</span></strong></a></span><span></span></p> <p><span>201 South Third Avenue, Highland Park, NJ 08904</span><strong><span></span></strong></p> <p><a name="OLE_LINK2"></a><a name="OLE_LINK1"><span><strong><span>May 12, 2015 at 11am </span></strong></span></a><strong><span></span></strong><span><strong></strong></span></p> <p><strong><span></span></strong></p> <p><strong><span>WILLS & ESTATE ADMINISTRATION- PROTECT YOUR FAMILY AND MAKE PLANNING EASY</span></strong></p> <p><strong><span></span></strong></p> <p><strong><span>SPEAKER: </span></strong><span>Kenneth Vercammen, Esq. Edison, NJ</span></p> <p><span><span> </span><span> </span>(Author- Answers to Questions About Probate)</span></p> <p><span><span> </span>The NJ Probate Law made a number of substantial changes in Probate and the administration of estates and trusts in New Jersey. </span></p> <p><strong><span><span>Main Topics:</span></span></strong></p> <p><span>1. The New Probate Law and preparation of Wills<span> </span></span></p> <p><span>2. 2015 changes in Federal Estate and Gift Tax<span> </span></span></p> <p><span>3. NJ Inheritance taxes on estates over $675,000</span></p> <p><span>4. Power of Attorney<span> </span> </span></p> <p><span>5.<span> </span>Living Will<span> </span><span> </span></span></p> <p><span>6.<span> </span>Administering the Estate/ Probate/Surrogate<span> </span></span></p> <p><span>7. Questions and Answer<span> </span></span></p> <p><span><span> </span>Open to the public. <span> </span>Call 732-306-0218 for info<strong> </strong></span></p> <p><span><span> </span><strong></strong></span></p> <p><span><span> </span><span> </span><strong>COMPLIMENTARY MATERIAL: </strong>Brochures
on Wills, Answers to Questions about Probate and Administration of an
Estate, Power of Attorney, Living Wills, Real Estate Sales for Seniors,
and Trusts.</span></p> <p> </p> <p><span>https://www.facebook.com/events/962166290467767/</span></p><p></p> <p></p></td> </tr> <tr> <td valign="top"><br /></td></tr></tbody></table><p> </p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-39575473488737646792023-08-15T11:32:00.000-04:002023-08-15T11:32:05.811-04:00Who Receives Assets If No Will?<p>Intestacy is the condition of the estate of a person who dies owning property greater than the sum of his or her enforceable debts and funeral expenses without having made a valid will or other binding declaration; alternatively where such a will or declaration has been made, but only applies to part of the estate, the remaining estate forms the "Intestate Estate". Intestacy law, also referred to as the law of descent and distribution or intestate succession statutes, refers to the body of common law that determines who is entitled to the property from the estate under the rules of inheritance. See http://en.wikipedia.org/wiki/Intestacy</p><p>INTESTACY</p><p>According to the Bergen County Surrogate, It is estimated that almost one third of Bergen County residents who die this year, will die without a will. While I strongly encourage county residents to execute a will-and strongly recommend a will for every Bergen County adult-this article provides the estate procedure when a Bergen County resident dies without a will. See http://www.co.bergen.nj.us/Surrogate/BCSC_Intest.htm</p><p>The estate of every Bergen County resident must be settled with the Bergen County Surrogate's Court unless the deceased owned no assets individually in New Jersey. Except in that limited circumstance, an estate must be presented to the County Surrogate before disbursement of the deceased's assets can occur. This estate settlement requirement applies whether the person died with or without a will.</p><p>The estate of a person who dies without a will is called an "intestate" estate. The Administrator's responsibilities include notifying the deceased's next of kin of his/her death, assembling the estate's assets and disbursing those assets according to law. The applicant need not be an attorney. In fact, most applicants complete the entire Surrogate's Court process without the need for an attorney. However, if you feel more comfortable bringing an attorney to the Surrogate's Court, you may certainly do so.</p><p>To apply to be the Administrator of an intestate estate, a person must bring the following to the County Surrogate's Court: (1) The original death certificate with raised seal; (2) An estimate of the gross value (but not an item-by-item description) of the estate covering all real estate and non-real estate (personal) assets; (3) The complete names and addresses of the deceased's next of kin; (4) A blank New Jersey check or cash for fees-the average fees, excluding bonding costs, are $150-$250); (5) A formal, written Renunciation of the right to serve as the estate's Administrator signed (in the presence of a Notary Public) by every person, if any, who has statutory preference over the applicant to serve as the estate's Administrator.</p><p>As a matter of law, the family members of the deceased have the first right to serve as the Administrator, in the following order of preference: spouse, children, parents, brothers and sisters. Should no family member seek appointment, then a creditor or anyone else may do so. A person who renounces the right to serve as Administrator may do so without disclaiming the right to receive any of the deceased's assets. (In contrast, by having a will, a person can choose the individual(s) he/she wishes to take charge and distribute his/her estate's assets (the "Executor(s)").</p><p>Once the above-described five items have been received, the Surrogate will appoint the applicant as the Administrator of the intestate estate. In most cases, the Administrator must be bonded until the estate has been properly assembled and distributed. This bonding fee is in addition to the $150-250 in average fees paid by the person seeking to be approved as Administrator. Bonding is required to protect the creditors and beneficiaries of the estate from the possibility that the Administrator will misuse his/her authority to their financial detriment.</p><p>There are, however, exceptions to the bonding requirement for intestate estates. If the deceased has a surviving spouse and no surviving parent or child, the surviving spouse need not post a bond. If the deceased left a surviving spouse and a surviving parent or child, then there will be no bond required of the surviving spouse for the first $50,000 of the estate and one-half of the remainder. Otherwise, the cost of bonding is fixed on the value of the estate. Bond premiums are currently $100 per year, if the estate is worth $18,000 or less; $525 per year, if the estate is worth $100,000 or less. (By way of comparison, a person can have a simple Will drafted by an attorney for $250-$350 and the will can state that the person taking charge of the estate's assets, the "Executor", shall serve without any bond.)</p><p>After the Administrator has been appointed and bonded, the Surrogate's Court will then issue Surrogate's Certificates (also known as Letters of Administration) that are used to assemble and transfer the intestate's assets. It is recommended that you order several copies of these Certificates, especially if the assets are being held by several banks, brokerage firms, pension plans and insurance companies. They will also be needed to sell or transfer all real estate assets. Along with the Certificates, a General Information brochure regarding the New Jersey Inheritance Tax is sent by the Surrogate's Court to the Administrator by mail within 5-7 business days of his/her appointment.</p><p>Administration of the estate cannot be first completed until several additional steps are taken. First, the Administrator must gather the assets, pay the just debts and taxes, and then distribute the balance of the estate's assets in accordance with the law. Second, once all assets of the estate have been disbursed, the Administrator must have each recipient sign a Refunding Bond. The Administrator should also have the recipient(s) sign a Release at the same time. The Surrogate's Court provides, without charge, a form combining a Release and Refunding Bond. The executed Release and Refunding Bond (signed by the recipient in the presence of a Notary Public) should then be filed with the Surrogate's Court at a cost of $10.00 per Bond.</p><p>See http://www.co.bergen.nj.us/Surrogate/BCSC_Intest.htm</p><p></p><p></p><p>The laws of the State of New Jersey provide for the assets of the intestate estate to be distributed to the next of kin by "intestate succession" as follows:</p><p></p><p>I. If you die leaving a spouse but no children, grandchildren or parents, the surviving spouse receives all.</p><p>?II. If you die leaving a spouse and children who are also the children of the spouse, the spouse receives the first $50,000 plus one-half of the balance of the estate. The children receive the other one-half of the balance divided equally amongst them. If one of your children dies leaving children then your grandchildren take their deceased's parent's share. However, if all of your children have died before you then all of your grandchildren will share equally.</p><p>?III. If you die leaving a spouse and children who are not also the children of that spouse, the spouse receives one-half, the children receive one-half divided equally and, if applicable, the grandchildren take their deceased parent's share unless all the children are deceased. Should that occur, all the grandchildren share equally.</p><p>?IV. If you die leaving children but no spouse, the children receive all divided equally among them. If there are grandchildren, they take their deceased parent's share, unless all the children are deceased. In that event, all the grandchildren share equally.</p><p>?V. If you die leaving a spouse but no children or grandchildren, and if your mother or father is still living, your spouse receives the first $50,000 of your estate plus one-half of the balance and your parents (or parent, if only one survives you) receives the remainder.</p><p>?VI. If you die leaving no spouse, no children, no grandchildren, no grandchildren and one or both of you parents survive you, the surviving parent or parents take all divided equally. If no parent survives, then your surviving brothers and sisters receive all divided equally.</p><p>?VII. If you die leaving no surviving spouse, children, grandchildren, parents, brothers or sisters, then the estate will be divided equally among those people surviving you in the closest degree of kinship (starting with nieces and nephews) until an heir is found if possible.</p><p>?VIII. If you die leaving no surviving next of kin without a Will, your estate assets escheat to the State of New Jersey.</p><p>In a related manner, in addition to the appointment of an Administrator for an intestate estate, if the count resident dies leaving a child under 18 years of age and there is no other legal guardian for that minor child, then the Bergen County Surrogate must appoint that minor child's guardian. The procedure for this appointment is similar to the application and bonding process for an Administrator in the sense that the law gives certain family members priority to serve as guardian of the deceased's minor child, while allowing those lower on the priority ladder to serve as long as the appropriate written renunciations have been received by the Surrogate. (In contrast, if the person who died had a will, the deceased could have designated the guardian(s) of his/her minor child in the will and this designation would have been binding upon the Surrogate and all others.</p><p>Bergen County Surrogate's Court</p><p><a href="http://www.co.bergen.nj.us/Surrogate/BCSC_Intest.htm" style="color: #84414a;">http://www.co.bergen.nj.us/Surrogate/BCSC_Intest.htm</a></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-61477550689007733012023-08-15T10:40:00.003-04:002023-08-15T10:40:35.215-04:00Wills and Estate Planning for Electrical Workers<p> </p><table aligcellpadding="0" border="0" cellspacing="10" style="width: 100%;"><tbody><tr><td height="33" valign="top" width="818"><h1 align="center"><strong>Wills and Estate Planning for Electrical Workers</strong></h1></td></tr><tr><td valign="top"><p></p><p>As average Americans, we work 80,000 hours in a lifetime, or 45 to 55 years. In spite of all our resources and the assets we earn during our lifetime, the vast majority of Americans do not take the time to create the legal instructions to guide the court or a guardian. National statistics indicate that more than 50% of Americans die without leaving a Will.</p><p> </p><p>Where theres No Will</p><p> </p><p>The result can be lengthy delays in the distribution of your estate, court battles between relatives and your children being raised by someone you do not favor. Your assets go to whoever a state law says receives the assets, or to the government itself! A Will should be a statement to the things you truly care about: your spouse, your children, your parents, your friends, and your charities.</p><p></p><p>If you leave no Will or your Will is declared invalid because it was improperly prepared or is not admissible to probate:</p><p> </p><p>1. People you dislike or people who dislike and ignore you may get your assets.</p><p>2. State law determines who gets assets, not you</p><p>3. Additional expenses will be incurred and extra work will be required to qualify an administrator-Surety Bond, additional costs and legal fees</p><p>4. You lose the opportunity to try to reduce Estate Tax, State inheritance taxes and Federal estate taxes</p><p>5. A Judge determines who gets custody of children. A greedy brother or crazy mother in law could ask the court for custody.</p><p>6. If you have no spouse or close relatives the State may take your property</p><p>7. The procedure to distribute assets becomes more complicated</p><p>8. It probably will cause fights and lawsuits within your family</p><p></p><p>When loved ones are grieving and dealing with death, they shouldnt be overwhelmed with Financial concerns. A Will must not only be prepared within the legal requirements of the state Statutes but should also be prepared so it leaves no questions regarding your intentions.</p><p> </p><p> </p><p>Think- Who dont you want to receive your assets? Without a Will, they could receive your assets and request custody of children.</p><p> </p><p>Who is not the best choice to raise your children, or safeguard your childrens money for college? Do you want children, or grandchildren, to get money when they turn 18? Will they invest money wisely, or go to Seaside and play games?</p><p> </p><p><strong>Life Insurance</strong></p><p>Sometimes it is not wise to leave children as a beneficiary of life insurance and your pension if your children are under the age of 21. You could make your estate the beneficiary of life insurance, and pension, then direct in your Will that the money be used to provide support and college expense for children.</p><p>The Will setting up a trust for minors should provide that any portion of my residuary estate which becomes distributable to a beneficiary under the age of twenty-one (21) years shall be held as a separate trust by the Executor until such beneficiary attains the age of twenty-one (21) years. The Executor shall apply such amounts of income and principal as he, in his sole discretion, deems proper for the health, maintenance, education, welfare, or support of such beneficiary and shall accumulate any unexpended income not needed for the above purposes, paying and transferring the portion held in trust to the beneficiary upon his or her attaining the age of twenty-one (21) years. Prior to their attaining the age of twenty-one (21) years, the Executor may apply such income or principal for benefit of such beneficiary directly or by payment to the person with whom such beneficiary resides or who has the care or control of such beneficiary without the intervention of a guardian.</p><p> </p><p>THE FOLLOWING IS A SAMPLE OF A VARIETY OF CLAUSES AND ITEMS WHICH KENNETH VERCAMMENS LAW OFFICE OFTEN INCLUDES IN A WILL</p><p></p><p>1ST: DEBTS AND TAXES</p><p>2ND: SPECIFIC BEQUESTS</p><p>3RD: DISPOSITION TO SPOUSE</p><p>4TH: DISPOSITION OF REMAINDER OF ESTATE</p><p>5TH: CREATION OF TRUSTS FOR SPOUSE</p><p>6TH: CREATION OF TRUST FOR CHILDREN</p><p>7TH: OTHER BENEFICIARIES UNDER 21</p><p>8TH: EXECUTORS</p><p>9TH: TRUSTEES</p><p>10TH: GUARDIANS</p><p>11TH: SURETY OR BOND</p><p>12TH: POWERS</p><p>13TH: AFTERBORN CHILDREN</p><p>14TH: PRINCIPAL AND INCOME</p><p>15TH: NO ASSIGNMENT OF BEQUESTS</p><p>16TH: GENDER</p><p>17TH: CONSTRUCTION OF WILL</p><p>18TH: NO CONTEST CLAUSE</p><p> </p><p>WHY PERIODIC REVIEW IS ESSENTIAL</p><p></p><p>Even if you have an existing Will, there are many events that occur which may necessitate changes in your Will. Some of these are:</p><p></p><p>* Marriage, death, birth, divorce or separation affecting either you or anyone named in your Will</p><p> </p><p>* Significant changes in the value of your total assets or in any particular assets which you own</p><p></p><p>* A change in your domicile</p><p></p><p>* Death or incapacity of a beneficiary, or death, incapacity or change in residence of a named executor, trustee or guardian of infants, or of one of the witnesses to the execution of the Will</p><p> </p><p>* Annual changes in tax law</p><p> </p><p>* Changes in who you like</p><p></p><p>MAY I CHANGE MY CURRENT WILL?</p><p></p><p>Yes. A Will may be modified, added to, or entirely changed at any time before your death provided you are mentally and physically competent and desire to change your Will. You should consider revising your Will whenever there are changes in the size of your estate. For example, when your children are young, you may think it best to have a trust for them so they do not come into absolute ownership of property until they are mature. Beware, if you draw lines through items, erase or write over, or add notations to the original Will, it can be destroyed as a legal document. Either a new Will should be legally prepared or a codicil signed to legally change portions of the Will.</p><p></p><p>A portion of your Will and Estate Planning can be deducted on your income tax return when it deals with tax planning. Thus, part of the fee is tax deductible for income tax purposes.</p><p>Under the law in New Jersey, if a person dies without a Will and without children, their spouse will inherit all assets, even if they are separated from the spouse. In addition, if you have children from a previous marriage, but no Will, the separated spouse will get half the estate.</p><p> </p><p>SAVE MONEY- Have your attorney prepare a self- proving Will with a No bond clause</p><p></p><p>Your estate will be subject to probate whether or not you have a Will and in most cases, a Will reduces the cost by eliminating the requirements of a bond. With a well-drawn Will, you may also reduce death taxes and other expenses. Dont pinch pennies now to the detriment of your beneficiaries</p><p> </p><p>Estate Planning is the process of examining what will happen to your property when you die and arranging for its distribution in such a manner as will accomplish your objectives.</p><p>The cost of a Will depends on the size and the complexity of the estate and the plans of the person who makes the Will.</p><p> </p><p>Be sure your Will takes into account the 2010 Federal Tax changes and any Inheritance Tax changes. Also, ascertain if your Will is self-proving, which would dispense with having to find the Wills witnesses after death.</p><p> </p><p> </p><p>OTHER DOCUMENTS TO BE PREPARED BY YOUR ATTORNEY</p><p>-Power of Attorney- to allow a trusted person to administer your assets during your lifetime, either upon disability or now</p><p>-Living Wills- to state your wishes concerning medical care in the event of your serious illness</p><p>-Trusts (and Medicaid Trusts)</p><p> </p><p><strong>CONCLUSION</strong></p><p> </p><p>Planning can only be done if someone is competent and/or alive. Make sure your assets can be passed directly to your loved ones. Kenneth A. Vercammen is a Middlesex County trial attorney who has published 125 articles in national and New Jersey publications on litigation topics. He has been selected to lecture to trial lawyers by the American Bar Association, New Jersey State Bar Association and Middlesex County Bar Association.</p><p>Call our office to schedule a confidential appointment 732-572-0500</p><p> </p><p align="center"><strong>KENNETH VERCAMMEN & ASSOCIATES, PC</strong><strong></strong></p><p align="center"><strong>ATTORNEY AT LAW</strong><strong></strong></p><p align="center">2053 Woodbridge Ave.</p><p align="center">Edison, NJ 08817</p><p align="center">(Phone) 732-572-0500</p><p align="center">(Fax) 732-572-0030</p><p align="center">website: www.njlaws.com</p></td></tr></tbody></table>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-1503711649508548642023-08-14T15:39:00.003-04:002023-08-14T15:39:17.439-04:00Wills and Power of Attorney Program<p> Learn about documents to save your family money</p><p>WHERE: Heritage at Clara Barton, 1015 Amboy Ave. Edison</p><p>WHEN: Wednesday, April 2, 2008 8 - 9 P.M.</p><p>SPEAKER: Kenneth Vercammen, Esq. of Edison</p><p>(Co-Author- NJ Elder Law & Probate)</p><p>Sponsor: Metuchen- Edison Women's Club</p><p>NJ State Federal of Women's Clubs, Shore District</p><p>Co-sponsored by Middlesex County Estate Planning Council</p><p>Cost: Free, open to the public</p><p>- So you don't have a Will. You won't live forever and you can't take it with you. What should you do?</p><p>Main Topics:</p><p>1. Wills and the changes to the NJ Probate Law</p><p>2. Power of Attorney</p><p>3. Living Will</p><p>4. Administering the Estate/ Probate/Surrogate</p><p>5. Question and Answer</p><p></p><p>COMPLIMENTARY MATERIAL: Brochures on Wills, "Probate and Administration of an Estate", Power of Attorney, Living Wills, Real Estate Sales for Seniors, and Trusts.</p><p>Here is your opportunity to listen to an experienced attorney who will answer questions how to distribute your property and avoid many rigid provisions of state law. For more information on Elder law, visit the Website KennethVercammen.com. You can also subscribe to the free email Elder Law newsletter by visiting the website, or sending an email to Kenv@KennethVercammen.com.</p><p></p><p>Call for information on Metuchen- Edison Women's Club contact</p><p>Christine Mullen 732-549-7173</p><p></p><p>About the Speaker: Kenneth Vercammen is an Elder Law and Litigation Attorney in Edison, NJ. He often lectures for the American Bar Association and New Jersey State Bar Association on Elder Law, personal injury, and criminal / municipal court matters. He has published 125 articles in national and New Jersey publications on legal topics. He speaks as a volunteer on Wills and Elder law to Adult Community Schools and non profit groups including Edison, Metuchen, Woodbridge, East Brunswick, North Brunswick, South Brunswick, Piscataway, Sayreville, Old Bridge, Spotswood and Perth Amboy Seniors. He has established New Jersey's most popular Elder law website on the Internet to provide information on Probate, Elder Law and Traffic matters located at KennethVercammen.com</p><p></p><p>About Middlesex County Estate Planning Council: In several counties in New Jersey, estate planning professionals have set up Councils whereby those assisting seniors and taxpayers with their estate planning could meet on a quarterly basis to share ideas. Invited to attend are accountants, financial planners, Life insurance agents, funeral directors, bank representatives involved in reserve mortgages, nursing home managers and Municipal senior citizen coordinators. We will share ideas on providing advice, new laws and marketing. Senior Citizen Coordinators and anyone who provides advice to seniors and the Elderly should also attend.</p><p>KennethVercammen.com/middlesex_estate_council_speaker_needed.htm</p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-15917080754983128452023-08-14T15:37:00.002-04:002023-08-14T15:37:09.819-04:00Wills and New Probate Law of NJ<p> </p><table border="0" cellpadding="0" cellspacing="10" style="width: 75%;"><tbody><tr><td valign="top"><p><br class="Apple-interchange-newline" />Compiled By Kenneth Vercammen, Esq. (c) 2007-2008<br /></p><p>The New Probate Statute of NJ revised various sections of the New Jersey law on Wills and estates. The Law makes a number of substantial changes to the provisions governing the administration of estates and trusts in New Jersey.</p><p>IF YOU HAVE NO WILL:</p><p>If you leave no Will or your Will is declared invalid because it was improperly prepared or is not admissible to probate:</p><p>* State law determines who gets assets, not you</p><p>* Additional expenses will be incurred and extra work will be required to qualify an administrator</p><p>* Judge determines who gets custody of your children</p><p>* Possible additional State inheritance taxes and Federal estate taxes</p><p>* If you have no spouse or close relatives the State may take your property</p><p>* The procedure to distribute assets becomes more complicated-and the law makes no exceptions for persons in unusual need or for your own wishes.</p><p>* It may also cause fights and lawsuits within your family</p><p>When loved ones are grieving and dealing with death, they shouldn't be overwhelmed with Financial concerns. Careful estate planning helps take care of that.</p><p>The Uniform Probate Code attempts to bring greater uniformity to the rules governing testamentary and non-testamentary transfers in response to the significant number of non-testamentary transfers that occur at the time of the decedent's death. For example, a new term, "governing instrument" has been incorporated as a definition in the substitute to include deeds, trusts, insurance and annuity policies, POD (pay on death) accounts, securities registered in beneficiary form (TOD), pension, profit sharing, retirement and similar benefit plans, and other wealth transfer instruments.</p><p>The law also clarifies situations where writings that are intended as wills would be allowed, but requires that the burden of proof on the proponent would be by clear and convincing evidence.</p><p>The law provides that divorce or annulment of a marriage, under certain circumstances, would revoke not only provisions of the former spouse's will, but also non-probate transfers occurring by reason of the decedent's death to the former spouse.</p><p>The law expands the provisions requiring survival of a beneficiary by 120 hours to succeed to an interest of a decedent in non-probate transfers.</p><p>The law also makes substantial revisions to the laws governing intestate succession. [Dying without a Will] For example, the substitute provides that the intestate share of a surviving spouse would be 100% of the intestate estate where all of the surviving descendants of the decedent are also the descendants of the surviving spouse and the surviving spouse has no other descendants. The surviving spouse would now be entitled to a larger share of the estate in the event that either a parent of the decedent survives a decedent who has no descendants, or there are descendants of the surviving spouse who are not descendants of the decedent. Finally, stepchildren of a decedent would be added as a final class of takers.</p><p>The law expands the law with respect to disinheritance of a person who criminally and intentionally kills the decedent to include revocation of non-testamentary dispositions.</p><p>The law consolidates the law concerning disclaimers of probate and non-probate property. The law clarifies that a fiduciary may, with court approval, disclaim any power or discretion held by such fiduciary, and may disclaim without court approval if the governing instrument so permits.</p><p>This law would also make some changes with regard to small estates. Under the old law, upon filing an affidavit with the surrogate the surviving spouse is entitled to the assets of an estate without administration if the assets do not exceed $10,000; similarly, in situations where there is no surviving spouse and the assets of the estate do not exceed $5,000, the heirs are entitled to the assets without administration if one of the heirs files an affidavit with the consent of the remaining heirs. This law amends N.J.S.A. 3B:10-3 and 3B:10-4 to increase these amounts to $20,000 and to $10,000, respectively.</p><p>Finally, the law expands the rules of construction formerly applicable only to Wills to other donative transfers.</p><p>The law provides a limited statute of limitations with respect to creditor claims against a decedent's estate.</p><p></p><p>Call our office to schedule a "confidential" appointment 732-572-0500</p><p></p><p>Kenneth Vercammen & Associates.</p><p>2053 Woodbridge Avenue</p><p>Edison, NJ 08817</p><p>KennethVercammen.com</p></td></tr></tbody></table>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-63242186513555896132023-08-14T15:35:00.003-04:002023-08-14T15:35:41.970-04:00Will/Trust Inheritance Contests<p> <span style="font-family: "Helvetica Neue"; font-size: 16.5px; text-align: justify;">Will/Probate/Trust Inheritance Contests</span></p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Do you think you are entitled to money or might be entitled to money from an estate or trust? Do you believe that someone is unfairly claiming money or property that is rightfully yours? Has The Executor of Administrator of the Estate not done their job? If so, and you are a prospective plaintiff or defendant, then you may need an attorney to protect your rights. Ken Vercammen's office charges a $200 consult fee either in person or over the phone. </p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;"><strong>Executor Duties and Responsibilities</strong></p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">At some point in time, you may be asked to serve as the executor of the estate of a relative or friend, or you may ask someone to serve as your executor. An executors job comes with many legal obligations. Under certain circumstances, an executor can even be held personally liable for unpaid estate taxes. Lets review the major duties involved.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">In General, the executors job is to</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">1. Administer the estate--i.e., collect and manage assets, file tax returns and pay taxes and debts--and 2. Distribute any assets or make any distributions of bequests, whether personal or charitable in nature, as the deceased directed (under the provisions of the will).</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Lets take a look at some of the specific steps involved and what these responsibilities can mean. Chronological order of the various duties may vary.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Step 1: Probate. The executor must probate the will. Probate is a process by which a will is admitted. This means that the will is given legal effect by the court. The courts decision that the will was validly executed under state law gives the executor the power to perform his or her duties under the provisions of the will.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Step 2: Manage the Estate. The executor takes legal title to the assets in the probate estate. The probate court will sometimes require a public accounting of the estate assets. The assets of the estate must be found and may have to be collected. As part of the asset management function, the executor may have to liquidate or run a business or manage a securities portfolio. To sell marketable securities or real estate, the executor will have to obtain stock power, tax waivers, file affidavits, and so on.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Step 3: Take Care of Tax Matters. The executor is legally responsible for filing necessary income and estate-tax returns (federal and state) and for paying all death taxes (i.e., estate and inheritance). The executor can, in some cases be held personally liable for unpaid taxes of the estate. Tax returns that will need to be filed can include the estates income tax return (both federal and state), the federal estate-tax return, the state death tax return (estate and/or inheritance), and the deceased’s final income tax return (federal and state). Taxes usually must be paid before other debts. In many instances, federal estate-tax returns are not needed as the size of the estate will be under the amount for which a federal estate-tax return is required.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">An employer identification number (EIN) should be obtained for the estate; this number must be included on all returns and other tax documents having to do with the estate. The executor should also file a written notice with the IRS that he/she is serving as the fiduciary of the estate. This gives the executor the authority to deal with the IRS on the estates behalf.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Often it is necessary to hire an appraiser to value certain assets of the estate, such as a business, pension, or real estate, since estate taxes are based on the fair market value of the assets. After the filing of the returns and payment of taxes, the Internal Revenue Service will generally send some type of estate closing letter accepting the return. Occasionally, the return will be audited.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Step 4: Pay the Debts. The claims of the estates creditors must be paid. Sometimes a claim must be litigated to determine if it is valid. Any estate administration expenses, such as attorneys, accountants and appraisers fees, must also be paid.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Step 5: Distribute the Assets. After all debts and expenses have been paid, the distribute the assets with extra attention and meticulous bookkeeping by the executor. Frequently, beneficiaries can receive partial distributions of their inheritance without having to wait for the closing of the estate.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">WHO SHOULD SERVE AS EXECUTOR? The executors legally imposed fiduciary duty is to act in all ways in the best interests of the estate and its beneficiaries. The duties of an executor can be difficult and challenging and should not be taken lightly.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">We believe an executor needs not only the skills, training, and experience necessary to do the project--casual or part-time attention is not likely to achieve success.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Under increasingly complex laws and rulings, particularly with respect to taxes, an executor can be in charge for two or three years before the estate administration is completed. If the job is to be done without unnecessary cost and without causing undue hardship and delay for the beneficiaries of the estate, the executor should have an understanding of the many problems involved and an organization created for settling estates. In short, an executor should have experience.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;"><strong>Will/Trust Inheritance Contests</strong></p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">If you have evidence a Will was not prepared properly, the signer was incompetent, there was undue influence, you may be able to prevent the filing of the Will in probate if you immediately hire an attorney to file a Caveat to the Will.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">A. Caveat</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Is a formal notice by someone to prevent the proving of a Will or the grant of administration of an Estate. The following is one of the NJ Court Rules dealing with a Caveat to Will</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">RULE 4:82. MATTERS IN WHICH THE SURROGATE'S COURT MAY NOT ACT</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Unless specifically authorized by order or judgment of the Superior Court, and then only in accordance with such order or judgment, the Surrogate's Court shall not act in any matter in which</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">(1) a caveat has been filed with it before the entry of its judgment;</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">(2) a doubt arises on the face of a will or a will has been lost or destroyed;</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">(3) the application is to admit to probate a writing intended as a will as defined by N.J.S.A. 3B:3-2(b) or N.J.S.A. 3B:3-3;</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">(4) the application is to appoint an administrator pendente lite or other limited administrator;</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">(5) a dispute arises before the Surrogate's Court as to any matter; or</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">(6) the Surrogate certifies the case to be of doubt or difficulty.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">If there is no dispute on the validity of the Will, sometimes the Executor does not do their job and you want to have the Executor removed and replaced.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Under New Jersey Law, the person selected as an executor of a Will have numerous legal responsibilities following the death of the person who signed the Will. Primarily, they have a duty to probate the Will, liquidate assets, pay bills and taxes, file all necessary court and tax returns, and then distribute the assets to beneficiaries</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Unfortunately, the Executor occasionally fails to timely carry out their duties. They may fail to timely file tax returns, fail to keep records, misappropriate assets or ignore instructions under the Will. </p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">In this case the Executor __ has failed to comply with the Duties of Executor in Probate & Estate Administration to:</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">1. Conduct a thorough search of the decedent's personal papers and effects for any evidence which might point them in the direction of a potential asset, namely mineral rights;</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">2. Keep records of expenses</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">3. Timely Sell real estate</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">4 Timely File required inheritance tax returns and provide a copy to Kim</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">It is unclear if the executor timely preformed the below duties:</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Apply to Federal Tax ID #</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Set up Estate Account at bank (pay all bills from estate account)</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Pay Bills</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Notice of Probate to Beneficiaries </p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">File notice of Probate with Surrogate </p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">File first Federal and State Income Tax </p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Prepare Inheritance Tax Return and obtain Tax Waivers </p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">File waivers within 8 months upon receipt </p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Prepares a accurate Informal Accounting</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">In General. The executor's job is to (1) administer the estate--i.e., collect and manage assets, file tax returns and pay taxes and debts--and (2) distribute any assets or make any distributions of bequests, whether personal or charitable in nature, as the deceased directed (under the provisions of the Will</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Do you think you're entitled to money or might be entitled to money from an estate or trust? Do you believe that someone is unfairly claiming money or property that is rightfully yours? If so, and you are a prospective plaintiff or defendant, then you may need an attorney to protect your rights. </p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">We do not handle cases on contingency.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Our Hourly rate is $350/ hr. and minimum retainer is $7,000.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">These areas are extremely complex, and you should not attempt to reach a decision on whether or not to take action (and, if so what action to take) without the assistance of counsel.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;"><strong>FILING SUIT IN AN ESTATE CONTEST</strong></p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">RULE 4:84. COMPLAINTS IN CASES IN WHICH SURROGATES COURT NOT ABLE TO ACT</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">4:84-1. In General</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">In any case in which, under R. 4:82, the Surrogates Court may not act, any person in interest may file a complaint and apply for an order directed to all other interested parties to show cause why the relief sought should not be granted. Service shall be as provided by R. 4:67-3.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">4:84-2. Probate in the Superior Court</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">If a will is sought to be proved in the Superior Court, proceedings for discovery shall be available pursuant to R. 4:10, R. 4:12 to 4:19 inclusive, R. 4:21 and R. 4:23. On the taking of a deposition, a photocopy of the will shall be marked for identification by the person before whom the deposition is taken. If the will is admitted to probate, the judgment of the Superior Court shall direct that the will be filed with and recorded by the Surrogates Court. Letters of appointment shall then be issued by the Surrogates Court.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">4:84-3. Contested Administration</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">Where administration of an estate has been contested, the judgment of the Superior Court granting administration shall direct issuance and recording of letters of administration by the Surrogates Court.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">4:84-4. Appointment of Substituted Trustees</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">An action for the appointment of a substituted trustee (a trustee not named in the trust document) of an inter vivos or testamentary trust shall be brought pursuant to R. 4:83. The complaint shall have attached a copy of the trust instrument and the acceptance by the person or persons seeking the appointment. The order to show cause shall be served upon all persons having an interest in the trust, vested or contingent, except as otherwise provided by R. 4:26-3 (virtual representation), and upon any trustees then serving. The judgment shall direct the issuance by the Surrogates Court of letters of trusteeship.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">4:84-5. Appointment of Administrator Pendente Lite or Other Limited Administrator</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">No order appointing an administrator pendente lite or other limited administrator shall be entered by the Superior Court without either notice to the persons in interest or their written consent, unless it clearly appears from specific facts shown by affidavit or by the verified complaint that immediate and irreparable damage will result before notice can be served and a hearing had thereon. If an order is granted without notice, it shall give any person in interest leave to move for the discharge of the administrator on no more than 2 days notice. This rule shall not apply to the administrator ad prosequendum in an action for wrongful death.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">RULE 4:85. REVIEW BY SUPERIOR COURT OF ACTIONS BY SURROGATES COURT: GENERAL PROVISIONS</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">4:85-1. Complaint; Time for Filing</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">If a will has been probated by the Surrogates Court or letters testamentary or of administration, guardianship or trusteeship have been issued, any person aggrieved by that action may, upon the filing of a complaint setting forth the basis for the relief sought, obtain an order requiring the personal representative, guardian or trustee to show cause why the probate should not be set aside or modified or the grant of letters of appointment vacated, provided, however, the complaint is filed within four months after probate or of the grant of letters of appointment, as the case may be, or if the aggrieved person resided outside this State at the time of the grant of probate or grant of letters, within six months thereafter. If relief, however, is sought based upon R. 4:50-1(d), (e) or (f) or R. 4:50-3 (fraud upon the court) the complaint shall be filed within a reasonable time under the circumstances. The complaint and order to show cause shall be served as provided by R. 4:67-3. Other persons in interest may, on their own motion, apply to intervene in the action.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">4:85-2. Enlargement of Time</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">The time periods prescribed by R. 4:85-1 may be extended for a period not exceeding 30 days by order of the court upon a showing of good cause and the absence of prejudice.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">4:85-3. After-Discovered Will</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">(a) Order to Show Cause. Where administration has been granted and subsequently a will is offered for probate or where probate of a will has been granted and subsequently a later will is offered for probate, the person offering such will may, upon the filing of a complaint, move without notice for an order requiring all interested persons to show cause why probate of such will should not be granted. The complaint shall be filed in the county where the original administration or probate was granted. If, on the return date or thereafter, new probate is granted, the court shall require the administrator or prior executor to make final settlement of his or her account and thereafter shall make such order respecting commissions as is appropriate.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">(b) Probate by Surrogate. If, on the return date of the order to show cause, there is no objection to the offering of the after-discovered will for probate, the Surrogate may enter an order that it be lodged for probate and thereafter proceed with probate unless a caveat has been filed or doubt arises from the face of the will.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">KENNETH VERCAMMEN, ESQ.</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">RECENT SPEAKING ENGAGEMENTS ON WILLS, ELDER LAW, AND PROBATE Edison Adult School -Wills, Elder Law & Probate- 2011, 2007, 2006, 2005, 2004, 2003, 2002, 2001, 2000,1999,1998,1997 Old Bridge AARP 2002; Guardian Angeles/ Edison 2002; St. Cecelia/ Woodbridge Seniors 2002; Temple Beth Or 2002; -Linden AARP 2002 Woodbridge Housing 2001; Chelsea/ East Brunswick 2001, Village Court/ Edison 2001; Old Bridge Rotary 2001; Sacred Heart/ South Amboy 2001; Livingston Manor/ New Brunswick 2001 -Wills and Estate Administration - Woodbridge Adult School 2001, 2000,1999,1998,1997,1996 -Wills and Elder Law - Metuchen Adult School 1999,1997,1996,1995,1994,1993 -Clara Barton Senior Citizens- Wills & Elder Law-Edison 2002, 1995 -AARP Participating Attorney in Legal Plan for NJ AARP members -Senior Legal Points University of Medicine & Dentistry UMDNJ & St. Peters-2000, 1999,1998 -East Brunswick AARP Wills 2001 -Iselin/ Woodbridge AARP Wills 2000 -Metuchen Reformed Church; Franklin/ Somerset/ Quailbrook Seniors 2001 -North Brunswick Senior Day 2001 -Wills, Elder Law and Probate-South Brunswick Adult School 1999,1997,1993 -Wills and Estate Planning-Old Bridge Adult School 1998,1997,1995 -Senior Citizen Law-Perth Amboy YMHA 1995 -Wills, Living Wills and Probate-Spotswood Community School 1995,1994,1993 -Wills and Probate-Sayreville Adult School 1997, 1996,1995,1994 -Living Wills-New Jersey State Bar Foundation and St. Demetrius, Carteret 1994 -Wills and Estate Planning-Edison Elks and Senior Citizens January 1994 -Legal Questions Clinic Metuchen Adult School March 1995,1994,1993 -Estate Planning to Protect Families-Metuchen Chamber of Commerce April 1993 -Living Wills-Dean Witter and Nordstrom’s, Menlo Park Mall October 1992; Trusts and Living Wills-Dean Witter, Metro Park, June 1992; Estate Planning-North Brunswick Republican Club May 1992; -Wills and Power of Attorney 1991 Edison Democratic Association</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">New Jersey State Bar Association -General Practice Section-Board of Directors 1995- Present</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">ADJUNCT PROFESSOR Middlesex County College Edison, NJ February, 2001-April, 2001; Jan. 1990-May, 1991</p><p style="font-family: "Helvetica Neue"; font-size: 16.5px; font-stretch: normal; line-height: normal; margin: 0px 0px 16.8px; text-align: justify;">New Jersey Superior Court - Certified Mediator 1997- New Jersey Supreme Court Committee on Municipal Court Education: Appointed by Chief Justice Robert N. Wilentz 1990 - 1997</p><p> </p><p style="color: #094fd1; font-family: Geneva; font-size: 14px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify;"><span style="text-decoration-line: underline;">http://www.njlaws.com/estate-wills-trust_inheritance_contests2.html?id=2559</span></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-10976932147389080762023-08-14T15:33:00.005-04:002023-08-14T15:33:36.370-04:00Will seminars for AARP clubs<p>Ken Vercammen joinws the AARP Legal Services Network in 2013.</p><p>The AARP Legal Services Network was established by the AARP in response to membership needs. The AARP recognized that many people over the age of 50 have legal matters that require the services of an attorney. They also recognized that many of these problems could be solved in a single consultation with counsel. As a result, one of the benefits of the Network is that members of the AARP are automatically entitled to a consultation with an AARP Legal Services Network provider, at no cost to the member. Legal matters are certainly not limited to elder law issues, estate planning or similar matters, but include a wide variety of additional legal issues, such as general business matters, personal injury, bankruptcy and a host of others. Source: http://www.kramerlaw.biz/aarp.html</p><p>With particular regard to Probate and Estate Administration, AARP members, through the Legal Services Network, are entitled not only to a free consultation with a participating attorney, but also to a 20% fee reduction on legal matters undertaken by the participating attorney. These matters include estate planning, probate and all other legal areas where service is provided to an AARP member by a participating attorney.</p><p>Everyone should have a Will, Power of Attorney, Living Will.</p><p>Recommendations for AARP members. Contact the AARP attorney directly to schedule an appointment by telephone or e-mail to schedule an appointment. For Probate and Wills in Central NJ, call Kenneth Vercammens Law Office in Edison 732-572-0500. Outside this area call AARP at 1-800-424-3410 or go to website https://www.aarplsn.com/lsn/search.do</p><p>When you call to make your appointment with an AARP Listed Attorney, notify them that you found them through the Legal Services Network. If you are an AARP member, provide them your AARP membership number to ensure you are offered AARP member benefits.</p><p>Work directly with the AARP Attorney regarding your legal matter. All legal services are handled through the attorney, so attorney fees are paid directly to your attorney. There are no claim forms to fill out.</p><p>Take advantage of the free consultation on Probate and Estate Administration and determine next steps with your attorney. Come prepared and on time to your appointment and bring your AARP membership card.</p><p>We will for a written fee agreement if you intend to retain him/her.</p><p>Chances are, youve been in a situation where you could benefit from legal assistance. Have you ever been in an accident? Has a motor vehicle or criminal complaint been filed against you or a member of your family? Many individuals face these and other types of problems. Yet finding an who understands the needs of seniors is difficult. Thats why the AARP offers you valuable free and discounted legal services, without any fee or enrollment cost.</p><p>This means you can prevent legal problems before they occur. Most important, you can have peace of mind.</p><p>Understanding the 20% Discount Benefit. There are many factors surrounding fees for attorneys services. They are: time and effort, geographic location, outcome, advice, difficulty of a case, experience, Prominence of the lawyer, preferred client discount and overhead. Understanding all of these factors, understanding the billing process and having a basic knowledge as to how attorneys charge for their services may help you prior to hiring a Legal Services Network attorney to handle a legal matter on your behalf. Standard payment arrangements may include the following: hourly rates, flat rates and retainers. Here are some examples of how the 20% discount would apply.</p><p>There are typically 2 ways the 20% discount could be applied based on your particular legal situation. They are: (1) on an hourly rate basis and (2) a flat rate fee basis. Additionally, an attorney may ask for a retainer fee prior to handling your legal matter.</p><p>Hourly Rate: This is the most common arrangement in Probate cases and Estate Administration. In this instance, the attorney gets paid based upon their hourly rate for the hours they work on your case until the legal matter is concluded. For Example: If an attorney charges $350 per hour, 20% off would equal an hourly rate of $275 per hour you would owe the attorney for the total number of hours worked on the matter plus any out of pocket expenses such as postage, filing fees, photocopies, etc.</p><p>Flat Rate Fee: This is an arrangement where an attorney charges you a set fee for the service being provided based on a normal number of hours the attorney expects to work on the matter. Such types of services could be, but are not limited to, standard lease agreements, Power of Attorney, Simple Will, Living Will For Example: If an attorney charges a flat fee of $500 for a Will, AARP members receive a 20%</p><p>Retainer Fee: In most cases, the attorney will require the Retainer fee. A retainer fee is usually a pre-payment made at the beginning of legal representation based on an estimate of how much time a matter is going to take. The amount of the retainer should take into account the 20% discount on the hourly rate charged. If the matter costs more than the amount of the retainer, you will be responsible for the additional payments. .</p><p>If the matter costs less than the amount of the retainer you will receive money back. In some instances, a retainer may take on the form of a flat fee to represent a client on a specific matter, regardless of how much time or effort is involved in the representation. In many instances, this arrangement is typical in cases such as criminal matters.</p><p>Hopefully, this information has provided some insight into the operating standards of a law office that participates in our Legal Services Network. </p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-86515300153642858092023-08-14T15:31:00.003-04:002023-08-14T15:31:28.443-04:00Will Contest Interview Form<p> KENNETH VERCAMMEN & ASSOCIATES, PC</p><p>ATTORNEY AT LAW<br />2053 Woodbridge Avenue<br />Edison, NJ 08817<br />(Phone) 732-572-0500<br />(Fax) 732-572-0030<br />website: KennethVercammen.com</p><p>Please fill out completely and fax or mail back. This form is extremely important. Your accuracy and completeness in responding will help me best represent you. All sections and information must be filled out prior to sitting down with the attorney.Ken Vercammens office charges a $200 consult fee either in person or over the phone.</p><p>PLEASE PRINT</p><p>YOUR NAME _________________________________________________</p><p>ADDRESS ___________________________________________________</p><p>CITY ___________________________ STATE ____ ZIP _____________</p><p>CELL (____)____________________ TODAYS DATE ____/_____/______</p><p>PHONE-DAY (____)________________ NIGHT (____)________________</p><p>E-MAIL ___________________________________________</p><p>Decedents Name ___________________________________</p><p>Date of Death (mm/dd/yy) ___ ___ /___ ___ /___ ___ ___ ___</p><p>Your relation to the person who passed away: _______________________</p><p>Referred By: ______________________________________<br />[Probate-Inherit Quest Macbook.doc rev 4/10/08]</p><p>*All Pages and Information must be filled out prior to seeing the Attorney. This information is required by the Surrogates Office and the Inheritance Tax Bureau.</p><p>Date of Will? (mm/dd/yy) ___ ___ /___ ___ /___ ___ ___ ___<br />(If no will, write no will)</p><p>Location of original Will ____________________<br />Indicate if Surrogate Probate letters were issued and where issued: __________</p><p>Executor/ Administrator if not person filing out this form ____________</p><p>*The following questions are required by the Surrogates Office and the Inheritance Tax Bureau to be answered. Please answer all these questions to the best of your knowledge so we can best help you. If none, write none.<br />Decedents S.S. No. ___ ___ ___ /___ ___ /___ ___ ___ ___</p><p>County of Residence ________________________________</p><p>SCHEDULE A REAL PROPERTY If none, write none</p><p>1. Street and Number _____________________________________</p><p>Town: ____________________</p><p>Lot: ___ Block: ____ County: ____________________</p><p>Title/Owner of Record: _______________</p><p>Full Market Value of Property: $________ Mortgage Balance: $_________<br />Tax Assessor Assessed Value: $____________________</p><p>Any other Real Estate: $______________________</p><p>SCHEDULE B-1: BANK ACCOUNTS/BROKERAGE ACCOUNTS<br />2) SCHEDULE B-1: STOCK<br />3) SCHEDULE B-1: INVESTMENT BONDS<br />4) SCHEDULE B-1: ALL OTHER PROPERTY</p><p>BANK ACCOUNTS/BROKERAGE ACCOUNTS<br />SCHEDULE B (1) BANK ACCOUNTS, STOCK, CD, OTHER ASSETS<br />All Other Personal Property Owned Individually or Jointly; Market Value, Indicate the Manner of Registration at Date of Death. If none, write none for each line. Use back of page if you need more space, or attach a list of assets.</p><p>Bank Accounts - Individually or Jointly Owned Date of Death Value</p><p>Name of Bank, Acct. # _____________ $_____________</p><p>___________________________________________ $_____________<br />___________________________________________ $_____________</p><p>Stock<br />(A) Number of Shares<br />(B) Name of Stock - Registered Owners(s)<br />(C) State of Inc.<br />(D) Date of Death Per Share Value<br />(E) Total Market Value<br />(F) Decedents Equity<br />Name of Stock Co., Acct. # ________________ $_____________<br />___________________________________________ $_____________</p><p>INVESTMENT BONDS<br />(A) Bonds - Individually or Jointly Owned<br />(B) Date of Death Value<br />(C) Decedents Equity*<br />___________________ $_____________<br />___________________ $_____________<br />___________________ $_____________</p><p>SCHEDULE B (1) - ALL OTHER PROPERTY<br />RESIDENT DECEDENT<br />Cars _______________________________________ $_____________<br />Other assets over $10,000 ______________________ $_____________<br />___________________________________________ $_____________<br />___________________________________________ $_____________</p><p>___________________________________________ $_____________<br />___________________________________________ $_____________<br />___________________________________________ $_____________</p><p>SCHEDULE B CLOSELY HELD BUSINESSES<br />RESIDENT DECEDENT<br />SCHEDULE B (2) CLOSELY HELD BUSINESSES<br />Proprietorship, Partnership, Joint Venture and/or Closely Held Corporation in which the Decedent Held Any Interest, Market Value at Date of Death [attach details]If none, write none. ________________ $_____________</p><p>SCHEDULE D EXPENSES<br />Estimated Expenses for Funeral $ ____________________</p><p>Probate Administration $ ____________________</p><p>Counsel Fees: $ ____________________</p><p>Executors or Administrators Commissions $ ____________________</p><p>Other Administration Expenses (list individually), attach receipts.<br />Expense _________________ $ ____________________<br />Expense _________________ $ ____________________<br />Expense _________________ $ ____________________<br />Expense _________________ $ ____________________<br />Expense _________________ $ ____________________<br />Expense _________________ $ ____________________</p><p>SCHEDULE E BENEFICIARIES</p><p>In case of Intestacy, the parentage of all collateral heirs (such as nieces, nephews, cousins, etc.) must be set forth. The relationship of step-parent, step-child, step-brother or step-sister must be so stated.</p><p>BENEFICIARIES AND ADDRESSES<br />(State full names and addresses of all who have an interest, vested, contingent or otherwise, in estate)</p><p>HEIRS AT LAW/<br />NEXT OF KIN: RELATIONSHIP: ADDRESS: APPROX. AGE: % INTEREST:</p><p>__________________________________________________________</p><p>__________________________________________________________</p><p>__________________________________________________________</p><p>__________________________________________________________</p><p>__________________________________________________________</p><p><br />Any specific bequests/gifts in will? _____________________________</p><p>_________________________________________________________</p><p>(NOTE: LIST CHILDREN OF DECEASED NEXT OF KIN - /ALSO GIVE AGE OF ANY MINORS)<br />State full names of all beneficiaries who died before or after decedents death: ____________________________</p><p>1. The Inheritance Tax Bureau will require certain documents. Please attach a photocopy (not original) of the decedents Will, Death Certificate, codicils, trusts, and last full years Federal Income Tax Return. This is required by the Surrogates Office (Tax Bureau). We will also need photocopies of the Deed and Tax Bill to submit to the Inheritance Tax Bureau.</p><p>SUMMARY<br />1. Real Property - Schedule A $_______________<br />2. All Other Assets - Schedule B(1) $_______________<br />3. Closely Held Businesses - Schedule B $_______________<br />4. Transfers prior to death - Schedule C $_______________<br />5. Gross Estate . . Total Lines 1 thru 4 $_______________<br />6. Deductions/Expenses . . . - Schedule D $_______________<br />7. Net Estate . Total - Line 5, minus Line 6 $_______________<br />8. Contingent Amount Included in Line 7 $_______________<br />9. Balance of Estate (Line 7, minus Line 8) $_______________</p><p>Are any questions in Schedule C answered yes? Yes __ No ___<br />Have or will you file or are you required to file a Federal Estate Tax Return for estates over $2,000,000? Yes __ No ___<br />Has or will any disclaimer been filed? If so, attach copy Yes __ No ___<br />If the decedent died after December 31, 2001, did the decedents taxable estate plus adjusted taxable gifts for Federal estate tax purposes under the provision of the Internal Revenue Code in effect on December 31, 2001 exceed $675,000? Yes __ No ___ If yes, by how much $ ___ ___ ___</p><p>How can we help you? What questions do you have? Is there anything else important:</p><p>______________________________________________________</p><p>______________________________________________________</p><p>______________________________________________________</p><p>______________________________________________________</p><p>______________________________________________________</p><p>New clients: When you come into the office would you like:<br />Pen ___, Foam can holder ___, USA key chain ___, Calendar ___, T-Shirt _____?<br />All new clients are entitled to receive our Free Email Newsletter featuring updates in Probate, Traffic Law, and Personal Injury/ Insurance. Thank you.</p><p>SCHEDULE C TRANSFERS<br />(THESE QUESTIONS ARE REQUIRED BY THE INHERITANCE TAX BUREAU (DIVISION OF TAXATION)<br />1. Did decedent, within three years of death, transfer property, valued at $500.00 or more, without receiving full financial consideration therefore? ___ Yes ___ No</p><p>2. Did decedent, at any time, transfer property, reserving (in whole or in part) the use, possession, income, or enjoyment of such property? ___ Yes ___ No</p><p>3. Did decedent, at any time, transfer property on terms requiring payment of income to decedent from a source other than such property? ___ Yes ___ No</p><p>4. Did decedent, at any time, transfer property, the beneficial enjoyment of which was subject to change because of a reserved power to alter, amend, or revoke, or which could revert to decedent under terms of transfer or by operation of law? ___ Yes ___ No<br />If answer to any of the above questions is Yes, set forth a description of property transferred, the fair market value at date of death, dates of transfers, and to whom transferred. Submit copy of trust deed or, agreement, if any. (If transfers are claimed to be untaxable, also submit detailed statement of facts on which such claim is based, proof as to decedents physical condition and copy of death certificate.)</p><p>5. Was decedent a participant in any pension plan that provided for payment to another of an annuity or lump sum on or after death? ___ Yes ___ No</p><p>6. Did decedent purchase or in any manner participate in any contract or plan providing for payment of an annuity or lump sum on or after death to another, except life insurance contracts payable to a designated beneficiary? ___ Yes ___ No<br />(Matured endowment policies, claim settlement certificates, supplementary contracts, annuity contracts and refunds thereunder and interest income certificates even though issued by an insurance company are not considered life insurance contracts.)</p><p>7. Was a single premium life insurance policy issued on decedents life in conjunction with an annuity contract? ___ Yes ___ No<br />If answer to questions 5, 6 or 7 is Yes, attach photostatic copies of all such contracts, plans, and policies.</p><p>8. Were any accumulated dividends due on any contract of insurance? (If yes, list below) ___ Yes ___ No</p><p>For each transfer, set forth Date of Transfer; Description of Property, Both Real and Personal: Actual Consideration if Any; Names and Relationship to Decedent of Donees, Assignees, Transferees, etc.</p><p>___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___</p><p>Market Value at Date of Death __________________________</p><p> </p><p><strong>Will/Trust Inheritance Contests</strong></p><p> </p><p>If you have evidence a Will was not prepared properly, the signer was incompetent, there was undue influence, you may be able to prevent the filing of the Will in probate if you immediately hire an attorney to file a Caveat to the Will.</p><p>A. Caveat</p><p>Is a formal notice by someone to prevent the proving of a Will or the grant of administration of an Estate. The following is one of the NJ Court Rules dealing with a Caveat to Will</p><p>RULE 4:82. MATTERS IN WHICH THE SURROGATES COURT MAY NOT ACT</p><p>Unless specifically authorized by order or judgment of the Superior Court, and then only in accordance with such order or judgment, the Surrogates Court shall not act in any matter in which</p><p>(1) a caveat has been filed with it before the entry of its judgment;</p><p>(2) a doubt arises on the face of a will or a will has been lost or destroyed;</p><p>(3) the application is to admit to probate a writing intended as a will as defined by N.J.S.A. 3B:3-2(b) or N.J.S.A. 3B:3-3;</p><p>(4) the application is to appoint an administrator pendente lite or other limited administrator;</p><p>(5) a dispute arises before the Surrogates Court as to any matter; or</p><p>(6) the Surrogate certifies the case to be of doubt or difficulty.</p><p> </p><p>If there is no dispute on the validity of the Will, sometimes the Executor does not do their job and you want to have the Executor removed and replaced.</p><p> </p><p>Under New Jersey Law, the person selected as an executor of a Will have numerous legal responsibilities following the death of the person who signed the Will. Primarily, they have a duty to probate the Will, liquidate assets, pay bills and taxes, file all necessary court and tax returns, and then distribute the assets to beneficiaries</p><p>Unfortunately, the Executor occasionally fails to timely carry out their duties. They may fail to timely file tax returns, fail to keep records, misappropriate assets or ignore instructions under the Will.</p><p>In this case the Executor __ has failed to comply with the Duties of Executor in Probate & Estate Administration to:</p><p>1. Conduct a thorough search of the decedents personal papers and effects for any evidence which might point them in the direction of a potential asset, namely mineral rights;</p><p>2. Keep records of expenses</p><p>3. Timely Sell real estate</p><p>4 Timely File required inheritance tax returns and provide a copy to Kim</p><p>It is unclear if the executor timely preformed the below duties:</p><p>Apply to Federal Tax ID #</p><p>Set up Estate Account at bank (pay all bills from estate account)</p><p>Pay Bills</p><p>Notice of Probate to Beneficiaries</p><p>File notice of Probate with Surrogate</p><p>File first Federal and State Income Tax</p><p>Prepare Inheritance Tax Return and obtain Tax Waivers</p><p>File waivers within 8 months upon receipt</p><p>Prepares a accurate Informal Accounting</p><p>In General. The executors job is to (1) administer the estate--i.e., collect and manage assets, file tax returns and pay taxes and debts--and (2) distribute any assets or make any distributions of bequests, whether personal or charitable in nature, as the deceased directed (under the provisions of the Will</p><p> </p><p>Do you think youre entitled to money or might be entitled to money from an estate or trust? Do you believe that someone is unfairly claiming money or property that is rightfully yours? If so, and you are a prospective plaintiff or defendant, then you may need an attorney to protect your rights.</p><p> </p><p>These areas are extremely complex, and you should not attempt to reach a decision on whether or not to take action (and, if so what action to take) without the assistance of counsel.</p><p> </p><p></p><p>Ken Vercammens office charges a $200 consult fee either in person or over the phone. </p><p>We do not handle cases on contingency.</p><p>Our Hourly rate is $350/ hr and minimum retainer is $7,000.</p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-25223298215049462962023-08-14T15:29:00.003-04:002023-08-14T15:29:16.816-04:00Wills for Unmarried Women<p> by Kenneth A. Vercammen, Esq.</p><p>There may come a time when a parent is unable, due to physical or mental incapacity, to take care of his/her minor children. If a parent dies, the minor children will need a guardian. In these circumstances, those caring for the children, as well as the courts will need direction. By writing and executing a Will, which includes instructions on guardianship one may select someone, either individually or jointly, with the legal authority to act for minor children and assume control over the assets of the children. Estate planning, which includes the execution of a Will, is just as important for young families with minor children as they are for senior citizens.</p><p>As average Americans, we work 80,000 hours in a lifetime, or 45 to 55 years. In spite of all our resources and the assets we earn during our lifetime, the vast majority of Americans do not take the time to create the legal instructions to guide the court or a guardian upon their death. National statistics indicate that more than 50% of Americans die without leaving a will. In the absence of a will or other legal arrangement to distribute property at death, the State must step in to administer the estate and decide who gets custody of your children and handles your money. This process is called the law of intestacy. The result can be lengthy delays in the distribution of your estate, court battles between relatives and your children being raised by someone you do not favor. Without a Will, your family will have to pay substantial costs for accountants, attorneys, bonding companies and probate fees.<br />In planning, make sure your assets go to your loved ones or favorite charity, not an ex. Therefore, you may wish to do the following:</p><p>1) Have an Elder Law attorney prepare a Will to distribute your assets to the people you care about the most. If you already have a Will, prepare a new Will and have the old Will revoked. (Your estate planning attorney will explain this to you.)<br />2) Prepare a power of attorney to select someone to handle your finances if you become disabled. Have your old power of attorney revoked.<br />3) Select the correct beneficiary on assets you may own, such as stocks, bank accounts, IRA, and other financial assets.<br />4) Change your beneficiary under your own life insurance, whether whole life insurance or term insurance.<br />5) Contact your employer's human resources and change the beneficiary on life insurance, pension, stock options or other employee benefits. Note that if you are not yet divorced, your spouse may have to sign a written waiver permitting you to change beneficiaries.<br />6) If you are not yet divorced, keep your personal papers at a location where an ex-spouse or the child's parent can't destroy them.<br />7) If you have minor children, nominate someone under a Will to serve as guardian to the children. Although the surviving parent obviously has first right of custody of children, they may not even want custody.<br />8) Make sure the trustee for any funds designated for your children is the right trustee.<br />9) Have your attorney prepare a prenuptial agreement, if you decide to get married.<br />10) In New Jersey, if you are married and living with a spouse, under certain instances the surviving spouse has a right to elect against the will. The disinherited spouse may like to elect against the Will and try to obtain one third of the estate. Your attorney can explain how you can protect yourself and your children.</p><p>ESTATE PLANNING TO PROTECT YOUR CHILDREN</p><p>IF YOU HAVE NO WILL (LEGALLY REFERRED TO AS INTESTATE SECESSION):<br /><br />If you leave no Will or your Will is declared invalid, because it was improperly prepared or is not admissible to probate:<br />* State law determines who gets assets, not you<br />* Additional expenses will be incurred by your heirs and extra work will be required by the heirs of their attorney to qualify an administrator<br />* The Judge determines who gets custody of your children<br />* Possible additional State inheritance taxes and Federal estate taxes<br />* If you have no spouse or relatives, the State may take your property<br />* The procedure to distribute assets becomes more complicated, and the law makes no exceptions for persons in unusual need or for your own wishes.<br />* It may also cause fights and lawsuits within your family</p><p>When loved ones are grieving and dealing with death, they shouldn't be overwhelmed with financial concerns. Careful estate planning helps take care of that.</p><p>Guardians<br />Most individuals appoint their spouse to act as Guardian of the person and property of their minor children. It is suggested that your Will include a clause which provides that in the event your spouse predeceases you, or is unsuitable or ceases to act as Guardian of the person and property of your minor children, you appoint a trusted family member or close friend to act as successor Guardian of the person and property of your minor children.</p><p>Trustee<br />Select a trusted person, a close relative or friends, who will invest and hold your children's money. In your Will you can instruct the Trustee to apply amounts of income and principal as they, in their sole discretion, deem proper for the health, maintenance, education, welfare, or support of your children or other minors. Direct that the trustee shall accumulate any income not needed for the above purposes, paying and transferring the portion held in trust to the beneficiary upon his or her attaining the age of majority or whichever age you select.</p><p>Children born after you sign the Will<br />Many people direct that the provisions of their Will also applies to afterborn children. Accordingly, if you have any additional children subsequent to the execution of this Will, then wherever you have designated only your named children, you intend that all of your children shall share equally in the relevant provisions of your Will.<br />In addition to having a formal Last Will and Testament individuals are encouraged to have a Power of Attorney and also Living Will. Moreover, we also recommend they plan ahead and write messages to their family and anticipated executor detailing their specific desires regarding funeral and burial. Written instructions to your family and executor containing information and guidance will minimize uncertainty, confusion, and possible oversights following your death.</p><p>Conclusion<br />While the preceding article contains possible items to be discussed with your family, attorney and executor, the article is by no means exhaustive. A number of these items may not be applicable in your situation, and probably there are many others that are applicable. The essential element is to spend some time now considering what you should tell those most closely associated with you to facilitate their handling of your affairs upon your death.</p><p>About the Author:<br />Kenneth Vercammen is a Litigation Attorney in Edison, NJ, approximately 19 miles north of Princeton. He often lectures for the American Bar Association and New Jersey State Bar Association on personal injury, criminal / municipal court law and practices to improve service to clients. He has published 125 articles in national and New Jersey publications on legal topics. He has served as a Special Acting Prosecutor in seven different cities and towns in New Jersey. He has spoken on Wills and Elder law on numerous occasions to the Adult Community Schools in Metuchen, Sayreville, Old Bridge, South Brunswick and Edison/Clara Barton Seniors and Perth Amboy Seniors.<br />In his private practice, he has devoted a substantial portion of his professional time to the preparation and trial of litigated matters. He has appeared in Courts throughout New Jersey several times each week on many personal injury matters, Municipal Court trials, arbitration hearings and contested hearings. He is also a popular speaker for the American Bar Association's General Practice Section and Law Practice Management Section.<br />Since 1985, his primary concentration has been on litigation matters. Mr. Vercammen gained other legal experiences as the Confidential Law Clerk to the Court of Appeals of Maryland (Supreme Court), with the Delaware County, PA District Attorney Office handling Probable Cause Hearings, Middlesex County Probation Dept as a Probation Officer, and an Executive Assistant to Scranton District Magistrate, Thomas Hart, in Scranton, PA.<br /><br />Kenneth Vercammen Law Office, 2053 Woodbridge Ave.<br />Edison, NJ 08817<br />(732) 572-0500</p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-67710260173543912182023-08-14T15:12:00.001-04:002023-08-14T15:12:06.227-04:00Wills, Probate and Elder Law<p> <strong>WILLS AND ESTATE PLANNING</strong></p><p><strong>SAVE MONEY AND PROVIDE FOR YOUR LOVED ONES</strong></p><p><strong>By Kenneth A. Vercammen, Esq. </strong></p><p> As average Americans, we work 80,000 hours in a lifetime, or 45 to 55 years. In spite of all the resources and assets we earn, the vast majority of us do not take the time to create a Will.</p><p> National statistics indicate that 80% of Americans die without leaving a Will. There are several reasons for this: fear of death; procrastination; and misinformation (people presume that only the rich need to have Wills). Whatever the excuse, it is clear that people would benefit from having a Will.</p><p> In the absence of a Will or other legal arrangement to distribute property at death, the state must step in to administer the estate. The result can be lengthy delays before the rightful heirs receive their property. And because the state has no instructions from the deceased, no charitable gifts will be made.</p><p>IF YOU HAVE NO WILL:</p><p> If you leave no Will or your Will is declared invalid because it was improperly prepared or is not admissible to probate:</p><p>* State law determines who gets assets, not you</p><p>* Additional expenses will be incurred and extra work will be required to qualify an administrator</p><p>* Judge determines who gets custody of your children</p><p>* Possible additional State inheritance taxes and Federal estate taxes</p><p>* If you have no spouse or close relatives the State may take your property</p><p> * The procedure to distribute assets becomes more complicated-and the law makes no exceptions for persons in unusual need or for your own wishes.</p><p>* It may also cause fights and lawsuits within your family</p><p>When loved ones are grieving and dealing with death, they shouldn’t be overwhelmed with Financial concerns. Careful estate planning helps take care of that.</p><p> THE FOLLOWING IS A SAMPLE OF A VARIETY OF CLAUSES AND ITEMS WHICH SHOULD BE INCLUDED IN A WILL:</p><p>1ST: DEBTS AND TAXES</p><p>2ND: SPECIFIC BEQUESTS</p><p>3RD: DISPOSITION TO SPOUSE</p><p>4TH: DISPOSITION OF REMAINDER OF ESTATE</p><p>5TH: CREATION OF TRUSTS FOR SPOUSE</p><p>6TH: CREATION OF TRUST FOR CHILDREN</p><p>7TH: OTHER BENEFICIARIES UNDER 21</p><p>8TH: EXECUTORS</p><p>9TH: TRUSTEES</p><p>10TH: GUARDIANS</p><p>11TH: SURETY OR BOND</p><p>12TH: POWERS</p><p>13TH: AFTERBORN CHILDREN</p><p>14TH: PRINCIPAL AND INCOME</p><p>15TH: NO ASSIGNMENT OF BEQUESTS</p><p>16TH: GENDER</p><p>17TH: CONSTRUCTION OF WILL</p><p>18TH: NO CONTEST CLAUSE</p><p> A Will must not only be prepared within the legal requirements of the New Jersey Statutes but should also be prepared so it leaves no questions regarding your intentions.</p><p>WHY PERIODIC REVIEW IS ESSENTIAL</p><p> Even if you have an existing Will, there are many events that occur which may necessitate changes in your Will. Some of these are:</p><p>* Marriage, death, birth, divorce or separation affecting either you or anyone named in your Will</p><p>*Significant changes in the value of your total assets or in any particular assets, which you own</p><p>* A change in your domicile</p><p>* Death or incapacity of a beneficiary, or death, incapacity or change in residence of a named executor, trustee or guardian of infants, or of one of the witnesses to the execution of the Will</p><p>*Annual changes in tax law</p><p>MAY I CHANGE MY WILL?</p><p> Yes. A Will may be modified, added to, or entirely changed at any time before your death provided you are mentally and physically competent and desire to change your Will. You should consider revising your Will whenever there are changes in the size of your estate. For example, when your children are young, you may think it best to have a trust for them so they do not come into absolute ownership of property until they are mature. Beware, if you draw lines through items, erase or write over, or add notations to the original Will, it can be destroyed as a legal document. Either a new Will should be legally prepared or a codicil signed to legally change portions of the Will.</p><p>SAVE MONEY</p><p> Your estate will be subject to probate whether or not you have a Will and in most cases, a Will reduces the cost by eliminating the requirements of a bond. With a well-drawn Will, you may also reduce death taxes and other expenses. Don’t pinch pennies now to the detriment of your beneficiaries. We have attempted to briefly explain in this article some of the issues, techniques, and decisions involved in Wills, Estate Planning, and Administration of an Estate. Because the matters covered are complicated and the Federal and New Jersey laws frequently change, this article can only outline some of the many legal issues you should consider. </p><p>The proper preparation of a Will should involve a careful analysis of the client’s assets, family and his/her desires. </p><p> Estate Planning is the process of examining what will happen to your property when you die and arranging for its distribution in such a manner as will accomplish your objectives.</p><p> The cost of a Will depends on the size and the complexity of the estate and the plans of the person who makes the Will. </p><p> A properly drawn Simple Will without Trust costs approximately $300.00 to $500.00. It is one of the most important documents you will ever sign, and may be one of the best bargains you will ever have.</p><p> Be sure your Will takes into account the Federal Tax changes and New Jersey Inheritance Tax changes. Also, ascertain if your Will is “self-proving”, which would dispense with having to find the Will’s witnesses after death.</p><p>WHAT IS A WILL?</p><p> “A Will is a Legal written document which, after your death, directs how your individually owned property will be distributed, who will be in charge of your property until it is distributed and who will take care of your minor children if the other parent should die . You should remember that the term “property” under the law includes real estate as well as other possessions and rights to receive money or items of value.” Everyone who has at least $3,000 in assets should have a Will. You do not have to be wealthy, married, or near death to do some serious thinking about your Will.</p><p>ADMINISTRATION OF AN ESTATE</p><p> If you are named the executor or executrix, you must visit the County Surrogate to probate the Will. You will need the following items:</p><p> 1. The Death Certificate</p><p> 2. The Original Will</p><p> 3. Names and Addresses of decedent's, next of kin and list of beneficiaries</p><p> 4. Minimum of $130.00 for Surrogate fees</p><p>A NJ state inheritance tax return must be filed and the tax paid on the transfer of real or personal property within eight months after death.</p><p>OTHER ITEMS OF CONCERN TO BE PREPARED BY YOUR ATTORNEY</p><p>-Trusts (and Medicare Trusts)</p><p>-Power of Attorney- to allow a trusted person to administer your assets during your lifetime, either upon disability or now</p><p>-Living Wills- to state your wishes concerning medical care in the event of your serious illness</p><p>Kenneth A. Vercammen is a Middlesex County trial attorney who has published 125 articles in national and New Jersey publications on litigation topics. He has been selected to lecture to trial lawyers by the American Bar Association, New Jersey State Bar Association and Middlesex County Bar Association. </p><p> Call our office to schedule a confidential appointment 732-572-0500</p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-14460516668542627772023-08-14T15:09:00.004-04:002023-08-14T15:09:55.758-04:00 Will Appointments<p> Thank you for contacting our law office in connection with a Will. Please call our office during business hours to make an an appointment for a confidential appointment.</p><p>Directions to our office are available on our website KennethVercammen.com. The website also has detailed information on legal matters that we handle. To help provide better service and answer your questions, please fill out the Confidential Will Questionnaire on KennethVercammen.com. You may want to fax or mail the interview sheet to our office prior to the appointment.</p><p>You should bring to the appointment:</p><p>1. The completed Will Questionnaire Sheet</p><p>2. Your questions written out.</p><p>3. All papers you have in connection with your Will. (Prior Wills, Living Wills, Powers of Attorney, etc.)</p><p>4. If available, you may want to bring:</p><p>Deed to Real Estate, Copy of Real Estate Tax Bills, Health Insurance Policy, Existing Nursing Home Contract (if any), Existing Life Insurance Policies, Life insurance paperwork indicating the face value, death benefit, and cash value with respect to the policy, Copies of all current bank statements, Copies of all Series E or EE bonds, Most current statement from Stockbroker, Most current Mutual Fund statements, Most current statement for IRA account, Most current statement of Qualified Retirement Account (Non-IRA), Complete copies of any Annuities, Copies of any Notes or Mortgages Receivable by you.</p><p>The scope of the services we anticipate performing for you are as follows:</p><p>1. Will review and update, if appropriate.</p><p>2. Living Will review and update, if appropriate.</p><p>3. General Durable Power of Attorney review and update, if appropriate.</p><p>At our initial meeting, we will discuss the matter, and provide a written retainer statement. I will quote you a fixed fee for the projected legal work. This way you will know at the beginning what your costs will be. Client can now pay fees by check, Visa, MasterCard, American Express, Discover, cash or money order. Once retained, we will represent your interest vigorously.</p><p>As you might imagine, we have many requests for appointments and our schedule is very full. Therefore, we ask that you make every effort to keep your appointment. If, for some reason, you are unable to do so, please notify us at least 48 hours in advance by calling 732-572-0500.</p><p 355.0pt="" 9.0pt="" align="center" center="" tab-stops:="" text-align:=""><strong normal=""> KENNETH VERCAMMEN & ASSOCIATES, PC</strong></p><p 355.0pt="" 9.0pt="" align="center" center="" tab-stops:="" text-align:=""><strong normal="">ATTORNEY AT LAW</strong></p><p 355.0pt="" 489.95pt="" 9.0pt="" align="center" center="" tab-stops:="" text-align:="">2053 Woodbridge Ave</p><p 351.0pt="" 355.0pt="" 489.95pt="" 9.0pt="" align="center" center="" tab-stops:="" text-align:=""><span underline="">Edison, NJ 08817</span><span 10.0pt="" 14.0pt="" mso-bidi-font-size:=""></span></p><p 355.0pt="" 489.95pt="" 5.25in="" 9.0pt="" align="center" center="" tab-stops:="" text-align:="">(Phone) 732-572-0500</p><p .0001pt="" .5in="" 0in="" 121.0pt="" 480.95pt="" 5.5in="" 9.0pt="" align="center" center="" margin-bottom:="" margin-left:="" margin-right:="" tab-stops:="" text-align:="">(Fax) 732-572-0030<span underline=""></span></p><p .5in="" 1.0in="" 18.0pt="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" 99.0pt="" align="center" center="" line-height:="" tab-stops:="" text-align:=""><strong normal="">CONFIDENTIAL WILL QUESTIONNAIRE</strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 1=""> </span>Please fill out completely and fax or mail back. This form is extremely important. Your accuracy and completeness in responding will help me best represent you. All sections and information must be filled out prior to sitting down with the attorney.</p><p .5in="" 1.0in="" 18.0pt="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" line-height:="" tab-stops:="" text-align:=""><span 1=""> </span>Please be sure to check all appropriate boxes. If NONE, please state NONE. </p><p .5in="" 1.0in="" 18.0pt="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" line-height:="" tab-stops:="" text-align:="">If NOT APPLICABLE, please state N/A or none.</p><p .5in="" 1.0in="" 18.0pt="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" line-height:="" tab-stops:="" text-align:="">PLEASE PRINT CLEARLY</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">1. <span 1=""> </span>Your Full Name: _____________________________________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p 1.0in="" 2.75in="" 27.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">2.<span 1=""> </span>IF MARRIED OR SEPARATED, complete (a) and (b) below:</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">(a) Spouse's Full Name:</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">______________________________________________ _________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">First <span 1=""></span> Last</p><p 1.0in="" 2.75in="" 27.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p 1.0in="" 2.75in="" 27.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">3. Your Street Address: ____________________________________<span 1=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">City _______________________ State ____ Zip Code ______________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p 1.0in="" 2.75in="" 27.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">4.<span 1=""> </span>Telephone Numbers: </p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> <span 10.0pt="" 6.0pt="" mso-bidi-font-size:=""></span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:="">Cell: _______________________________ ________________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" align="right" right="" tab-stops:="" text-align:=""><span 3=""> </span> <span 10.0pt="" 6.0pt="" mso-bidi-font-size:=""></span></p><p 495.0pt="" 517.0pt="" 9.0pt="" tab-stops:="">Day: ____________________/Night: ________________________</p><p .25in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:=""><span 10.0pt=""> </span></p><p 1.0in="" 2.75in="" 27.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">5.<span 1=""> </span>E-mail address: _______________________________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p 1.0in="" 2.75in="" 27.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">6. Referred By: ___________________________________________</p><p .25in="" .5in="" 1.25in="" 2.75in="" 3.25in="" 369.0pt="" 423.0pt="" 441.0pt="" 463.0pt="" 489.95pt="" 5.25in="" tab-stops:=""><span 1=""> </span><span 10.0pt="">If referred by a person, is this a client or attorney? If you heard about the law office on the Internet, what search terms did you use?</span></p><p 1.0in="" 2.75in="" 27.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> </p><p 1.0in="" 2.75in="" 27.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">7. Today's Date ____________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:=""> We recommend a <strong normal="">Durable</strong> <strong normal="">Power</strong> <strong normal="">of</strong> <strong normal="">Attorney</strong> in the event of your physical</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:="">or mental disability to help you with financial affairs? </p><p .5in="" 1.0in="" 2.75in="" 297.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 4=""> </span> <span 1=""> </span>Yes ________ No ________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> </p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> We recommend a <strong normal="">Living Will</strong> telling hospitals and doctors not to prolong your life by artificial means, i.e. Terri Schiavo; Karen Quinlan? </p><p .5in="" 1.0in="" 2.75in="" 297.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> <span 5=""> </span>Yes ________ No ________</p><p .5in="" 1.0in="" 2.75in="" 297.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="">Confidential Will Q Rev 2/5/15</span></p><p .5in="" 1.0in="" 2.75in="" 297.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">How can we help you? What are your questions/other important information?</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="">_______________________________________________________________________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="">_______________________________________________________________________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:=""><strong normal="">[<span underline="">It is required by Court Rules that all pages be filled out in person's own handwriting prior to seeing the attorney]</span></strong><span 10.0pt="" 14.0pt="" mso-bidi-font-size:=""></span></p><p -27.0pt="" .0001pt="" 0in="" 1.0in="" 148.0pt="" 2.75in="" 27.0pt="" 3.25in="" 4.0in="" 4.5in="" 45.0pt="" 5.0in="" 5.5in="" 6.0in="" 6.5in="" 9.0pt="" center="" justify="" left="" margin-bottom:="" margin-left:="" margin-right:="" tab-stops:="" text-align:="" text-indent:="">8.<span 1=""> </span>Your Marital Status:<span 1=""> </span>[ ] Single <span 1=""> </span>[ ] Married <span 1=""> </span>[ ] Separated<span 3=""> </span>[ ] Divorced<span 1=""> </span>[ ] Widowed </p><p -27.0pt="" .0001pt="" 0in="" 1.0in="" 148.0pt="" 2.75in="" 27.0pt="" 3.25in="" 4.0in="" 4.5in="" 45.0pt="" 5.0in="" 5.5in="" 6.0in="" 6.5in="" 9.0pt="" center="" justify="" left="" margin-bottom:="" margin-left:="" margin-right:="" tab-stops:="" text-align:="" text-indent:=""><span 5=""> </span>[ ] Domestic Partner</p><p .5in="" 1.0in="" 148.0pt="" 2.75in="" 3.25in="" 3.75in="" 4.5in="" 5.0in="" 5.5in="" 6.0in="" 6.5in="" 9.0pt="" center="" justify="" left="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 148.0pt="" 2.75in="" 3.25in="" 3.75in="" 4.5in="" 5.0in="" 5.5in="" 6.0in="" 6.5in="" 9.0pt="" center="" justify="" left="" tab-stops:="" text-align:="">9. Your Day/Month of birth: ___________________ </p><p .5in="" 1.0in="" 148.0pt="" 2.75in="" 3.25in="" 3.75in="" 4.5in="" 5.0in="" 5.5in="" 6.0in="" 6.5in="" 9.0pt="" center="" justify="" left="" tab-stops:="" text-align:=""><span 3=""> </span> </p><p .5in="" 1.0in="" 148.0pt="" 2.75in="" 3.25in="" 4.0in="" 4.5in="" 5.0in="" 5.5in="" 6.0in="" 6.5in="" 9.0pt="" center="" justify="" left="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p 1.0in="" 2.75in="" 27.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">10. Spouse Day/Month of birth: _________________ </p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 2=""> </span> </p><p 1.0in="" 2.75in="" 27.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">11.<span 1=""> </span>If you are the parent or legal guardian of a minor child or minor children, please check here. [ ]</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong normal="">2. ESTATE EXECUTOR</strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 1=""> </span>The person charged with administering/Probating your estate, paying taxes and/or other debts, preserving, managing, and distributing estate assets and property is called an Executor. This person should be one in whom you have trust and confidence. Your SPOUSE is usually named as primary Executor, followed by the child who lives closest to your home.</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 1=""> </span>Please provide the following information about the person you wish to name to serve in this capacity.</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">1. <strong normal="">PRIMARY </strong>Choice of Executor/Personal Representative in Power of Attorney:</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 261.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Name: _________________________ <span 1=""> </span>______________________________</p><p .5in="" 1.0in="" 2.75in="" 261.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> First <span 1=""></span>Last</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Relationship: _______________ Address: ________________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> </p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">2. <strong normal="">SECOND </strong>Choice of Executor/Personal Representative in Power of Attorney:</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 1=""> </span>This individual will serve in the event that the primary executor/personal representative is not alive at the time of your death, or is unable to serve.</p><p .5in="" 1.0in="" 2.75in="" 261.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> </p><p .5in="" 1.0in="" 2.75in="" 261.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Name: _________________________ <span 1=""> </span>______________________________</p><p .5in="" 1.0in="" 2.75in="" 261.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> First <span 1=""></span>Last</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Relationship: _______________ Address: _____________________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> The two proposed Executors must be filled out prior to meeting the attorney. We do not recommend Joint Executors, which often cause conflicts and additional work for the Estate. It is best to select one primary person, then a secondary person.</p><p><strong><br always="" /></strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:=""><strong>Asset Information- Must Be Completed</strong> <strong>-</strong> <strong>If none, write “none”</strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> </strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">House/Real Estate Address<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _________________________________________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Estimate Total Real Estate Value:<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _____________ </span>Approx mortgage<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Bank Accounts, Stocks, CDs and Assets:<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _______________________________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Approximate Amount<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> ______________________________________________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Direct Beneficiaries of Accounts <span 10.0pt="" 11.0pt="" mso-bidi-font-size:="">-<strong> If none write none</strong> ____________________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Other Major Assets -<strong> </strong><strong>If none, write none</strong><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _____________________________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Approximate Life Insurance:<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _________________ </span>Beneficiary<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _____________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span underline="">In the Will- Who do you want to get your assets:</span><span underline=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""></span></span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 4.0in="" 9.0pt="" justify="" tab-stops:="" text-align:="">Beneficiary (1) <span 10.0pt="" 11.0pt="" mso-bidi-font-size:="">_______________________ </span>Relationship<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _______________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 4.0in="" 9.0pt="" justify="" tab-stops:="" text-align:="">Beneficiary (2) <span 10.0pt="" 11.0pt="" mso-bidi-font-size:="">_______________________ </span>Relationship<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _______________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 4.0in="" 9.0pt="" justify="" tab-stops:="" text-align:="">Beneficiary (3)<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _______________________ </span>Relationship<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> _______________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> <span underline="">It is required that assets and beneficiaries be filled out prior to seeing the attorney</span></strong><span underline=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""></span></span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:="">Any Specific Bequests of Money and Property:<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""></span></p><p .5in="" 1.0in="" 2.75in="" 24.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" line-height:="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:="">______________________________________________________________</span></p><p .5in="" 1.0in="" 2.75in="" 24.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" line-height:="" tab-stops:="" text-align:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:="">______________________________________________________________</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> </strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong>[ ] A. MARRIED PERSONS WITH CHILD(REN) OR GRANDCHILD(REN).</strong><strong><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""></span></strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> </strong>Generally most married people provide that, upon their death, property will be distributed as follows:</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> 1. Your estate (all property and assets not owned jointly with another person) will be distributed to your surviving spouse.</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> 2. If your spouse predeceases you, then your estate will be divided in equal shares among all of your living children, If any child shall predecease you, then that child's share to their children (grandchildren).<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""></span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 121.0pt="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:="">Names of Children<span 10.0pt="" 11.0pt="" mso-bidi-font-size:="">: ______________________________ </span>Age: _____<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""></span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 121.0pt="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:=""><span 10.0pt="" 11.0pt="" mso-bidi-font-size:="">_______________________________ </span>Age: _____<span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""></span></p><p .5in="" 1.0in="" 121.0pt="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" tab-stops:=""> <span 10.0pt="" 11.0pt="" mso-bidi-font-size:=""></span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong>LIST THE NAMES AND AGES OF ALL CHILDREN EVEN IF THEY ARE OLDER THAN EIGHTEEN. IF NO CHILDREN, WRITE NONE.</strong> <span 10.0pt="">If no minor children, skip page 5.<strong></strong></span></p><p><strong><br always="" /></strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong>III. GUARDIAN(S) OF MINOR CHILD(REN)</strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> [Skip this section if you have NO minor children and DO NOT want a trust. There are substantial additional fees for preparation of a Trust]</strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> </strong>The surviving parent of a minor child is ordinarily entitled to be the GUARDIAN of that child. In the case of simultaneous death of you and your spouse, or if you are a single parent, you should appoint a Guardian for your minor child. It is advisable, prior to the completion of this Questionnaire, to make sure that your proposed Guardian(s) is (are) willing to serve as Guardian(s). In addition, the Guardian will also hold the monies for the minor children UNLESS you direct us otherwise. In your Will you can have any adult serve as Trustee of monies for minor children.</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> Provide the following information about the person(s) you select to be Guardian(s)/Trustee(s). In the event my spouse predeceases me, I name as GUARDIAN(S)/ TRUSTEE(S):</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 22.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">1.<strong> PRIMARY </strong>Choice of GUARDIAN / TRUSTEE:</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Full Name: _______________________________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Relationship: ______________________________________</p><p .5in="" 1.0in="" 2.75in="" 22.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 22.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">2. <strong>SECOND </strong>Choice of GUARDIAN / TRUSTEE:</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Full Name: _______________________________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Relationship: _____________________________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong>Are there any beneficiaries with special needs, or receiving SSI or SDD? Please answer in detail</strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong>________________________________________</strong></p><p .5in="" 1.0in="" 18.0pt="" 369.0pt="" 9.0pt="" line-height:="" tab-stops:=""> Are you or any of your Beneficiaries are not United States citizens? _______</p><p .5in="" 1.0in="" 18.0pt="" 369.0pt="" 9.0pt="" line-height:="" tab-stops:="">If not US citizen, extra taxes apply.</p><p .5in="" 1.0in="" 18.0pt="" 369.0pt="" 9.0pt="" line-height:="" tab-stops:="">Do you have any religious wishes on burial? ___</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> [ ] B. MARRIED PERSONS WITH NO CHILD(REN) OR GRANDCHILD(REN).</strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> </strong>Generally most married people with no child(ren) or grandchild(ren) provide that upon their death their property will be distributed as follows:</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">1. Your estate (all property and assets not owned jointly with another person) will be distributed to your surviving spouse, but</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">2. If your spouse predeceases you, then your estate will be distributed to your living parent, or equally to your living parents. </p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">3. But should both of your parents predecease you, then your estate will distributed equally to your brothers and sisters or equally to the children of a predeceased brother or sister.</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> Please check B above only if you wish your property distributed precisely and exactly as indicated in section B, 1 through 3, above.</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 472.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong>Additional information on Wills, Probate and Elder Law available at <span underline="">www.njlaws.com</span></strong></p><p><strong><br always="" /></strong></p><p .5in="" 1.0in="" 171.0pt="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong>[ ] C. DIVORCED OR WIDOWED PERSONS WITH CHILD(REN) OR GRANDCHILD(REN). </strong>Generally, most divorced or widowed persons with child(ren) or grandchild(ren) provide that upon their death property will be distributed as follows: 1. Your estate (all property and assets not owned jointly with another person) will be distributed in equal shares to all of your living child(ren).</p><p .5in="" 1.0in="" 171.0pt="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> 2. But if one or more of your children predeceases you, that deceased child's share will be distributed to his or her child(ren), your grandchild(ren) in equal shares</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> </strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong>[ ] D. ALTERNATE PLAN OF DISTRIBUTION - </strong><span 10.0pt="">You may list specific gifts to individuals and/or divide your estate among several individuals by listing percentages to each, making sure that the percentages total 100%. You may add additional sheets if necessary or use the back of this form. There are additional Will preparation fees if there are gifts, called specific bequests.</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> PLEASE WRITE DOWN ANY QUESTIONS YOU HAVE HERE or anything else important that we should be aware. Use back of this page for additional important information:</strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">______________________________________________________________</p><p .5in="" 1.0in="" 2.75in="" 24.0pt="" 3.25in="" 369.0pt="" 9.0pt="" justify="" line-height:="" tab-stops:="" text-align:="">______________________________________________________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong>ESTATE PLANNING</strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong> </strong><span 10.0pt="">Your estate may be subject to NJ Estate Taxation if the total of your assets exceeds $675,000. If your assets exceed $675,000 and you desire estate planning to avoid or reduce your estate tax or require a Trust to protect a spouse, please advise Mr. Vercammen. A Standard Will is not designed to address estate tax issues. We do not do Federal Tax Planning or Medicaid Nursing Home Planning.</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt=""> </span><strong>WILLS:</strong></p><p .5in="" 1.0in="" 18.0pt="" 369.0pt="" 9.0pt="" line-height:="" tab-stops:="">T 1- Parents with minor children and trust for children ____________</p><p .5in="" 1.0in="" 18.0pt="" 369.0pt="" 9.0pt="" line-height:="" tab-stops:="">T 2- Parents no spouse ____________</p><p .5in="" 1.0in="" 18.0pt="" 369.0pt="" 9.0pt="" line-height:="" tab-stops:="">T 3- Unmarried ____________</p><p .5in="" 1.0in="" 18.0pt="" 369.0pt="" 9.0pt="" line-height:="" tab-stops:="">T 4- Parents without trust ____________</p><p .5in="" 1.0in="" 18.0pt="" 369.0pt="" 9.0pt="" line-height:="" tab-stops:="">T 5- Spouse/ Children Trust if assets over $1 million? ____________<span 10.0pt="" 5.0pt="" mso-bidi-font-size:=""></span></p><p .5in="" 1.0in="" 369.0pt="" 9.0pt="" tab-stops:=""><span 10.0pt="" 5.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> <strong><span underline="">PAYMENT WILL BE MADE BY</span>: </strong>(Please circle one)</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">Check, Credit Card (Visa, Mastercard, American Express) or Cash</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><strong>Checks are payable to Vercammen PC</strong></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""> Payment is required for Will, Power of Attorney and other document preparation at the first consult and prior to any documents being drafted. Minimum fee for Last Will and Testament preparation is $200 each. We charge a $150.00 consultation fee, which is credited to the preparation of the Will or other document. This $150.00 fee is non-refundable even if the documents are not prepared. If there are any changes to a draft Will, Power of Attorney, or other document, there will be a minimum charge of $75.00 per revision. The Will needs to be signed within 21 days of initial consult or an additional fee of $100.00 will be charged.<span 10.0pt=""> Due to complexity and need to re-title assets, Fees for Trusts are minimum $2,500.</span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 10.0pt="" 5.0pt="" mso-bidi-font-size:=""> </span></p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:="">This form was filled out by: _________________________</p><p .5in="" 1.0in="" 2.75in="" 3.25in="" 369.0pt="" 9.0pt="" justify="" tab-stops:="" text-align:=""><span 1=""> </span> sign name</p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-6785575427169191432023-08-14T15:06:00.005-04:002023-08-14T15:07:41.441-04:00Will Format<p> Last Will and Testament</p><p>of _______________________________</p><p><br />I, _____________________________, of ______________________, ______________, hereby make, publish, and declare this to be my Last Will and Testament and revoke all previous wills and codicils made by me.<br />Section 1. Identification of Family<br />1.01 My partner’s name is ____________________________. All references in this will to my partner, whether or not specifically named, shall mean only my partner, ______________________.<br />1.02 I have (no) living children or issue. [Specify names of children and whether they are minors or adults. If minors, will must also include a Guardian of Person and Estate clause in conformance with state law. Include the partner’s children in the definition of children whether biological or adopted; include any children where the partner’s adoption petition has not been finalized.]<br />Section 2. Nomination of Executor<br />2.01 I hereby nominate ________________________ to serve as my Executor. Should this person be unable or unwilling at any time to serve as my Executor, I nominate ___________________ of ________________________, ________________, to serve as my Alternate Executor.<br />2.02 I direct that my Executor, and any successor thereto, be permitted to serve without bond in any jurisdiction.<br />Section 3. Disposition of Tangible Personal Property<br />3.01 I give, devise, and bequeath my tangible personal property to my partner, ___________________________. My Executor may, in his/her sole discretion, sell any of the property that, in his/her opinion, is not suitable for distribution, and the proceeds thereof shall become a part of my residuary estate. If the devisee named in this section does not survive me, I direct that the said property be disposed of or distributed with the residue of my estate.<br />Section 4. Residuary Devise<br />4.01 The balance of my residuary estate shall consist of all property or money owned by me at the time of my death and not otherwise effectively disposed of in this will, including all insurance proceeds or other death benefits that are payable to my estate but excluding any property over which I may have a power of appointment, less all valid claims asserted against my estate and all expenses incurred in administering my estate, including expenses of administering nonprobate assets.<br />4.02 I give, devise, and bequeath the balance of my residuary estate to my partner, ________________________________, if he/she survives me.<br />4.03 If my partner predeceases or fails to survive me I give, devise, and bequeath the balance of my residuary estate to _________________________.<br />4.04 I am leaving my estate to my partner, ________________, because he/she is my life partner. I am not making these provisions out of any disrespect or lack of affection or love for my family. It is my intention that my partner, _____________________, inherit my estate. [Also, see proposed clause in Chapter 4.]<br />Section 5. Specific Provision Regarding My Pet(s)<br />5.01 If my partner, _______________________, predeceases or fails to survive me, I bequeath any pets I may own at the time of my death to ____________________. He/She is willing and able to maintain my pets in a comfortable setting with a standard of care similar to that which I had provided for them. I bequeath to ____________________, for accepting my pets under the foregoing sentence, the sum of $500 per pet. This bequest is made with the intention that such amount shall defray the costs of providing care to my pets, but without any restriction or obligation to account to any person for the use of such funds.<br />5.02 If __________________________ is unable to accept and care for my pets, I authorize and request my Executor to select an appropriate person who is willing and able to do so and to maintain my pets in a comfortable setting with a standard of care similar to that which I had provided for them. I bequeath to the person accepting my pets under the foregoing sentence the sum of $500 per pet. This bequest is made with the intention that such amount shall defray the costs of providing care to my pets, but without any restriction or obligation to account to any person for the use of such funds.<br />Section 6. Powers of Executor<br />6.01 My Executor, and any successor thereto, shall have all of the powers granted to Executors and fiduciaries under the probate code and other applicable laws of the state of _______, including the power to execute any joint or individual tax return on my behalf or on behalf of my estate.<br />6.02 My Executor shall be entitled to reasonable compensation for services actually performed and to reimbursement of expenses properly incurred.<br />a. My Executor shall have, in addition to any other powers, the power to invest, reinvest, sell, mortgage, lease, or otherwise transfer or dispose of any part or all of my estate, without the necessity of obtaining prior or subsequent court approval;<br />b. To make repairs or improvements to my property as may be deemed necessary to preserve or enhance the value of my estate;<br />c. To borrow funds for use in estate administration if there are insufficient liquid assets in my estate;<br />d. To employ persons, including attorneys, investment advisors, or other agents for assistance or advice, or not to employ such persons, as my Executor deems appropriate;<br />e. To compromise and settle any claims against or in favor of my estate on such terms and conditions as my Executor deems best;<br />f. To make determinations as to the allocation of receipts and the apportionment of expenditures between income and principal. My Executor shall not be required to follow any provision of law regarding such determinations, including [relevant chapter of state code].<br />6.03 My Executor may make distributions either in cash or in kind. Distributions in kind may be made at the discretion of my Executor. My Executor may make any distributions under this will either (1) directly to the beneficiary, (2) in any form allowed by applicable state law for gifts or transfers to minors or persons under disability, (3) to the beneficiary’s guardian, conservator, or caregiver for the benefit of the beneficiary, or (4) by direct payment of the beneficiary’s expenses.<br />Section 7. Construction and Definitions<br />The following rules and definitions shall apply in the construction of this instrument and in the administration of my estate:<br />7.01 Any reference to my “Executor” in whatever form refers to the person, persons, or institution then acting as the personal representative of my estate.<br />7.02 If any devisee or other beneficiary under this will dies within 30 days after my death or under such circumstances where there is insufficient evidence in the judgment of my Executor to determine whether such person has died within 30 days after my death, the devisee or beneficiary shall be deemed to have failed to survive me.<br />7.03 The laws of the state of _______ shall govern all questions as to the validity and construction of this.<br />7.04 The term “estate and death taxes” shall mean all estate, inheritance, transfer, succession, or other taxes or duties payable by reason of my death, including interest and penalties thereon.<br />Section 8. Payment of Taxes and Expenses<br />8.01 I direct my Executor to pay the expenses of administering my estate, the expenses created by reason of my death, and all estate and death taxes payable with respect to property includable in my gross estate or taxable by reason of my death, whether or not such property is part of my probate estate and whether or not such taxes are payable by my estate or by the recipient of any such property. Such taxes and expenses should be paid out of my residuary estate without apportionment.<br />[Optional Clause]<br />8.02 I direct my Executor to pay only those expenses dealing with my funeral and interment that conform to my expressed wishes. If anyone interferes with my expressed wishes concerning my funeral, memorial service, or interment, and fails to abide by those expressed wishes, that person or persons shall be wholly responsible for any and all expenses. I ask that the Court and all concerned persons in this regard honor my expressed wishes, even if those wishes run counter to those of my immediate family.</p><p>IN WITNESS WHEREOF, I hereby subscribe my name to this instrument this _____ day of _____, 20__, at __________, ___________________.</p><p>_______________________________________<br />Testator<br />Statement of Witnesses<br />Each of the undersigned declares, under penalty of perjury and the laws of the State of ________, that the following is true and correct. I am over the age of eighteen years and competent to be a witness to the will of ________________________. He/She signed the foregoing instrument on the _____ day of _________________, 20__, declaring it to be his/her Last Will and Testament in the presence of each of us. We, at the testator’s request and in the testator’s presence, and in the presence of each other, now subscribe our names as witnesses.<br />We do hereby declare that the testator signed and executed the instrument, as his/her last will, that he/she signed willingly and that he/she executed it as his/her free and voluntary act for the purposes therein expressed. We also declare that each of the witnesses, in the presence and hearing of the testator, signed the will as witness and that to the best of his or her knowledge the testator was at the time eighteen or more years of age, of sound mind, and under no constraint or undue influence.</p><p>__________________________________________<br />Witness Signature</p><p>__________________________________________<br />Witness Name</p><p>__________________________________________</p><p>__________________________________________<br />Witness Address</p><p>__________________________________________<br />Witness Signature</p><p>__________________________________________<br />Witness Name</p><p>__________________________________________</p><p>__________________________________________<br />Witness Address</p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-47660075623222600842023-08-11T15:48:00.004-04:002023-08-11T16:18:47.148-04:00What Is Estate Planning?<p><br /></p><table aligcellpadding="0" border="0" cellspacing="10" style="color: black; font-variant-caps: normal; width: 100%;"><tbody><tr><td valign="top"><p></p><p>Estate planning is a process involving the counsel of professional advisors who are familiar with your goals and concerns, your assets and how they are owned, and your family structure. It can involve the services of a variety of professionals, including your lawyer, accountant, financial planner, life insurance advisor, banker and broker.</p><p>Estate planning covers the transfer of property at death as well as a variety of other personal matters and may or may not involve tax planning. The core document most often associated with this process is your will.</p><p><strong> WILLS AND ESTATE PLANNING</strong></p><p><strong>SAVE MONEY AND PROVIDE FOR YOUR LOVED ONES </strong></p><p><strong>By Kenneth A. Vercammen, Esq. </strong></p><p> As average Americans, we work 80,000 hours in a lifetime, or 45 to 55 years. In spite of all the resources and assets we earn, the vast majority of us do not take the time to create a Will.</p><p> National statistics indicate that 80% of Americans die without leaving a Will. There are several reasons for this: fear of death; procrastination; and misinformation (people presume that only the rich need to have Wills). Whatever the excuse, it is clear that people would benefit from having a Will.</p><p> In the absence of a Will or other legal arrangement to distribute property at death, the state must step in to administer the estate. The result can be lengthy delays before the rightful heirs receive their property. And because the state has no instructions from the deceased, no charitable gifts will be made.</p><p>IF YOU HAVE NO WILL:</p><p> If you leave no Will or your Will is declared invalid because it was improperly prepared or is not admissible to probate:</p><p>* State law determines who gets assets, not you</p><p>* Additional expenses will be incurred and extra work will be required to qualify an administrator</p><p>* Judge determines who gets custody of your children</p><p>* Possible additional State inheritance taxes and Federal estate taxes</p><p>* If you have no spouse or close relatives the State may take your property</p><p> * The procedure to distribute assets becomes more complicated-and the law makes no exceptions for persons in unusual need or for your own wishes.</p><p>* It may also cause fights and lawsuits within your family</p><p>When loved ones are grieving and dealing with death, they shouldn’t be overwhelmed with Financial concerns. Careful estate planning helps take care of that.</p><p> THE FOLLOWING IS A SAMPLE OF A VARIETY OF CLAUSES AND ITEMS WHICH SHOULD BE INCLUDED IN A WILL:</p><p>1ST: DEBTS AND TAXES</p><p>2ND: SPECIFIC BEQUESTS</p><p>3RD: DISPOSITION TO SPOUSE</p><p>4TH: DISPOSITION OF REMAINDER OF ESTATE</p><p>5TH: CREATION OF TRUSTS FOR SPOUSE</p><p>6TH: CREATION OF TRUST FOR CHILDREN</p><p>7TH: OTHER BENEFICIARIES UNDER 21</p><p>8TH: EXECUTORS</p><p>9TH: TRUSTEES</p><p>10TH: GUARDIANS</p><p>11TH: SURETY OR BOND</p><p>12TH: POWERS</p><p>13TH: AFTERBORN CHILDREN</p><p>14TH: PRINCIPAL AND INCOME</p><p>15TH: NO ASSIGNMENT OF BEQUESTS</p><p>16TH: GENDER</p><p>17TH: CONSTRUCTION OF WILL</p><p>18TH: NO CONTEST CLAUSE</p><p> A Will must not only be prepared within the legal requirements of the New Jersey Statutes but should also be prepared so it leaves no questions regarding your intentions.</p><p>WHY PERIODIC REVIEW IS ESSENTIAL</p><p> Even if you have an existing Will, there are many events that occur which may necessitate changes in your Will. Some of these are:</p><p>* Marriage, death, birth, divorce or separation affecting either you or anyone named in your Will</p><p>*Significant changes in the value of your total assets or in any particular assets, which you own</p><p>* A change in your domicile</p><p>* Death or incapacity of a beneficiary, or death, incapacity or change in residence of a named executor, trustee or guardian of infants, or of one of the witnesses to the execution of the Will</p><p>*Annual changes in tax law</p><p>MAY I CHANGE MY WILL?</p><p> Yes. A Will may be modified, added to, or entirely changed at any time before your death provided you are mentally and physically competent and desire to change your Will. You should consider revising your Will whenever there are changes in the size of your estate. For example, when your children are young, you may think it best to have a trust for them so they do not come into absolute ownership of property until they are mature. Beware, if you draw lines through items, erase or write over, or add notations to the original Will, it can be destroyed as a legal document. Either a new Will should be legally prepared or a codicil signed to legally change portions of the Will.</p><p>SAVE MONEY</p><p> Your estate will be subject to probate whether or not you have a Will and in most cases, a Will reduces the cost by eliminating the requirements of a bond. With a well-drawn Will, you may also reduce death taxes and other expenses. Don’t pinch pennies now to the detriment of your beneficiaries. We have attempted to briefly explain in this article some of the issues, techniques, and decisions involved in Wills, Estate Planning, and Administration of an Estate. Because the matters covered are complicated and the Federal and New Jersey laws frequently change, this article can only outline some of the many legal issues you should consider. </p><p>The proper preparation of a Will should involve a careful analysis of the client’s assets, family and his/her desires. </p><p> Estate Planning is the process of examining what will happen to your property when you die and arranging for its distribution in such a manner as will accomplish your objectives.</p><p> The cost of a Will depends on the size and the complexity of the estate and the plans of the person who makes the Will. </p><p> A properly drawn Simple Will without Trust costs approximately $300.00 to $500.00. It is one of the most important documents you will ever sign, and may be one of the best bargains you will ever have.</p><p> Be sure your Will takes into account the Federal Tax changes and New Jersey Inheritance Tax changes. Also, ascertain if your Will is “self-proving”, which would dispense with having to find the Will’s witnesses after death.</p><p>WHAT IS A WILL?</p><p> “A Will is a Legal written document which, after your death, directs how your individually owned property will be distributed, who will be in charge of your property until it is distributed and who will take care of your minor children if the other parent should die . You should remember that the term “property” under the law includes real estate as well as other possessions and rights to receive money or items of value.” Everyone who has at least $3,000 in assets should have a Will. You do not have to be wealthy, married, or near death to do some serious thinking about your Will.</p><p>ADMINISTRATION OF AN ESTATE</p><p> If you are named the executor or executrix, you must visit the County Surrogate to probate the Will. You will need the following items:</p><p> 1. The Death Certificate</p><p> 2. The Original Will</p><p> 3. Names and Addresses of decedent's, next of kin and list of beneficiaries</p><p> 4. Minimum of $130.00 for Surrogate fees</p><p>A NJ state inheritance tax return must be filed and the tax paid on the transfer of real or personal property within eight months after death.</p><p>OTHER ITEMS OF CONCERN TO BE PREPARED BY YOUR ATTORNEY</p><p>-Trusts (and Medicare Trusts)</p><p>-Power of Attorney- to allow a trusted person to administer your assets during your lifetime, either upon disability or now</p><p>-Living Wills- to state your wishes concerning medical care in the event of your serious illness</p><p>Kenneth A. Vercammen is a Middlesex County trial attorney who has published 125 articles in national and New Jersey publications on litigation topics. He has been selected to lecture to trial lawyers by the American Bar Association, New Jersey State Bar Association and Middlesex County Bar Association. </p><p> Call our office to schedule a confidential appointment 732-572-0500</p></td></tr></tbody></table>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-21487841290168543402023-08-11T15:46:00.003-04:002023-08-11T16:18:54.217-04:00What Is a Surety Bond in a Estate Administration If No Will?<p> </p><table aligcellpadding="0" border="0" cellspacing="10" style="color: black; font-variant-caps: normal; width: 100%;"><tbody><tr><td valign="top"><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify;"> Why should my Will have a clause no bond required</p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify;"> What is a Surety Bond in a Estate Administration where there is no Will?</p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify;"> Why do I need to get one?<br /> A surety bond is an insurance policy that protects the beneficiaries and creditors of the estate. Administrators are required by law to obtain a surety bond in order to be appointed. Executors may not be required to obtain a surety bond if the will waives that requirement. Source <a href="http://www.co.middlesex.nj.us/surrogate/faq.asp" style="color: #84414a;">http://www.co.middlesex.nj.us/surrogate/faq.asp</a></p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify;"> A Surety bond is required when there is no Will and the spouse does not receive 100%.</p><p style="font-family: Helvetica; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; min-height: 14px; text-align: justify;"> </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify;"> Make sure your Will includes a formal “No Bond required” clause so the executor/ personal representative does not have to spend thousands of dollars being bonded. Pull out your prior Will. Does it does not say No Bond required? If not, call an attorney to have a new Will prepared. If the Will does not say “No Bond required, usually the Executor will have to pay over $1,000 and go through the bonding process. </p><p style="font-family: Helvetica; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; min-height: 14px; text-align: justify;"> </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify;"><span style="font-family: Helvetica; font-stretch: normal; line-height: normal;"> </span>How do I get a Bond released?<br />The administrator can be released from the surety bond in two ways:</p><ul><li> <ul style="list-style-type: disc;"><li style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify;"><span style="font-family: "Lucida Grande"; font-stretch: normal; line-height: normal;">▪</span><span style="white-space: pre;"> </span>Filing the original refunding bond and release forms from all beneficiaries with the Surrogate Court and stamped copies with the Insurance Company</li><li style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify;"><span style="font-family: "Lucida Grande"; font-stretch: normal; line-height: normal;">▪</span><span style="white-space: pre;"> </span>With the approval of the Superior Court of a formal accounting of the estate</li></ul></li></ul><p style="font-family: Helvetica; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; min-height: 14px; text-align: justify;"> </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">In cases where a decedent leaves no will a personal representative will have to provide a New Jersey administrator bond, also referred to as a New Jersey personal representative bond. The bond is required by the County Surrogate Court or “Will Clerk” and serves as a guarantee of certain fiduciary and legal duties. </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">Generally an appointed administrator or personal representative will protect a decedent’s assets, have them professionally appraised if necessary, pay valid debts and distribute the remaining property as the law directs. The New Jersey administrator bond is requested from the surviving spouse or domestic partner of the intestate deceased, if he or she will accept the administration, and if not or if there is no spouse or domestic partner, then from one oft the remaining heirs of the deceased. If none of these parties will accept letters of administration, then the court is free to appoint who it chooses. </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">The New Jersey personal representative bond is contemplated under NJ 3B:15-1. The court or surrogate appointing a fiduciary must ensure faithful performance of the administrator’s duties by requiring the fiduciary to furnish surety bond to the Superior Court in a sum and with proper conditions and surety, having due regard to the value of the estate to be administered and the extent of his authority. Where specific conditions as to a particular surety bond are prescribed by law, the New Jersey probate bond cannot be approved unless the prescribed conditions are included in the obligation. </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">The bond form must include certain elements. First, the surety bond guarantees that the administrator will make an accurate inventory of the real and personal property of the decedent which has or shall come to his possession or into the hands of any other person for him, have an appraisal made of the real and personal property, and file the inventory and appraisal in the office of the clerk of the Superior Court or of the surrogate within specific time frames. </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">Second, the New Jersey personal representative bond guarantees that the administrator will faithfully discharge all of the duties imposed upon him according to law, making an accurate account of his administration of the estate. The surety bond guarantees that the administrator will deliver and pay to the distributees entitled to the same, the surplus property of the decedent as may remain. </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">Finally, the New Jersey probate bond guarantees that the administrator will deliver his letters of administration to the proper court, when required so to do. An administrator (fiduciary) required by law or order of court to give a surety bond, may include as a part of the lawful expense of executing his duties a bond premium not exceeding one percent (1%) per annum on the amount of the bond and only to a corporate surety authorized under the laws of New Jersey to become surety on commercial bonds. </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">If at any time it becomes apparent that the New Jersey administrator bond given by a fiduciary at the time of his appointment was insufficient or has become insufficient or the surety appears to be insolvent or insufficient for the security of the estate, the court may order the fiduciary to give other or further security to the Superior Court, by bond in the same form using a different surety company. </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">The court will discharge a surety on the bond from liability for all acts and omissions occurring after the granting of the discharge if the administrator files a new New Jersey personal representative bond duly approved by the court. The surety may also be relieved by moving the court to do so at any time from three months after the entry of a final judgment of distribution made after the allowance of the final accounting. </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">Upon proof to the satisfaction of the court that the entire estate has been distributed according to law, and that no appeal from the judgment of distribution is pending, discharge the surety on its New Jersey probate bond for the principal from any and every liability. New Jersey surety leader - See more at: <a href="http://www.suretyone.org/blog/new-jersey-administrator-bond/%22%20%5Cl%20%22sthash.hOjK37MN.dpuf" style="color: #84414a;">http://www.suretyone.org/blog/new-jersey-administrator-bond/#sthash.hOjK37MN.dpuf</a></p><p style="font-family: Helvetica; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; min-height: 14px; text-align: justify; text-indent: 36px;"> </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">Local bonding companies</p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">Barrood Agency, Inc.</p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">Elizabeth Barrood</p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">50 Paterson St., P.O. Box 1387</p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">New Brunswick, NJ 08903 </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">Fax 732-828-1980</p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; min-height: 16px; text-align: justify; text-indent: 36px;"> </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">Pavese-McCormick Agency, Inc.</p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">3759 US Highway 1, Suite 200 </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">Monmouth Junction, NJ 08852</p><p> </p><p style="font-family: Geneva; font-size: 12px; font-stretch: normal; line-height: normal; margin: 0px; text-align: justify; text-indent: 36px;">732-247-9800</p></td></tr></tbody></table>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-86125132893671981022023-08-11T15:44:00.001-04:002023-08-11T16:19:02.029-04:00 What Happens If You Die Without a Will?<p> </p><table aligcellpadding="0" border="0" cellspacing="10" style="color: black; font-variant-caps: normal; width: 100%;"><tbody><tr><td valign="top"><p>If you die intestate (without a will), your states laws of descent and distribution will determine who receives your property by default. These laws vary from state to state, but typically the distribution would be to your spouse and children, or if none, to other family members. A states plan often reflects the legislatures guess as to how most people would dispose of their estate and builds in protections for certain beneficiaries, particularly minor children. That plan may or may not reflect your actual wishes, and some of the built-in protections may not be necessary in a harmonious family setting. A will allows you to alter the states default plan to suit your personal preferences.</p><p></p></td></tr><tr></tr></tbody></table><br />Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-28704670206040248882023-08-11T15:41:00.002-04:002023-08-11T16:19:13.511-04:00What a Will Does Not Do<p> </p><table cellpadding="0" cellspacing="0" style="color: black; font-variant-caps: normal; height: 113px; width: 100%;"><tbody><tr valign="top"><td height="111" width="100%"><table aligcellpadding="0" border="0" cellspacing="10" style="width: 100%;"><tbody><tr><td valign="top"><p></p><p>A Will does not govern the transfer of certain types of assets, called nonprobate property, which by operation of law or contract pass to someone else on your death.</p><p .0001pt="" 0in="" 150="" 22.5pt="" 238.0pt="" 4.5pt="" 40.5pt="" 45.0pt="" 463.5pt="" 481.5pt="" 6.3pt="" dotted="" justify="" line-height:="" margin-bottom:="" margin-left:="" margin-right:="" right="" tab-stops:="" text-align:=""><strong normal="">Non-probate assets which do not pass under Will</strong></p><p></p><p .0001pt="" 0in="" 150="" 22.5pt="" 238.0pt="" 4.5pt="" 40.5pt="" 45.0pt="" 463.5pt="" 481.5pt="" 6.3pt="" dotted="" justify="" line-height:="" margin-bottom:="" margin-left:="" margin-right:="" right="" tab-stops:="" text-align:=""><span font-size:="" geneva="" small=""> Please also remember that if you have assets such as bank accounts in joint names, or bank accounts payable upon death, these go directly to the beneficiary. If you have selected direct beneficiaries on any of your assets these pass outside your Will, including POD accounts or joint accounts. Your Will cannot change who the beneficiary is on a joint account, payable upon death accounts, or other assets such as Life Insurance policies. You would have to go directly to the bank or company where the assets are held and either direct that they change the beneficiary or not list any beneficiary at all other than your Estate. Other non-probate assets include a house owned with spouse [tenants by entirety], house in joint tenancy with non spouse, </span></p><p></p><p></p></td></tr><tr></tr></tbody></table></td></tr></tbody></table>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-23321877703025171422023-08-11T15:31:00.003-04:002023-08-11T16:19:24.327-04:00What a Will Does<p> A will provides for the distribution of property owned by you at the time of your death in any manner you choose (subject to the forced heirship laws of some states that prevent disinheriting a spouse and, in some cases, children). Your will cannot, however, govern the disposition of properties that pass outside your probate estate (such as certain joint property, life insurance, retirement plans and employee death benefits) unless they are payable to your estate.</p><p>Wills can be of various degrees of complexity and can be utilized to achieve a wide range of family and tax objectives. If a will provides for the outright distribution of assets, it is sometimes characterized as a simple will. If the will establishes one or more trusts, it is often called a testamentary trust will. Alternatively, the will may leave probate assets to a preexisting inter vivos trust (created in your lifetime), in which case it is called a pour over will. In either case, the purpose of the trust arrangement (as opposed to outright distribution) is to ensure continued property management and creditor protection for the surviving family members, to provide for charities, and to minimize taxes.</p><p>Aside from providing for the intended disposition of your property to spouse, children etc., there are a number of other important objectives that may be accomplished in your will.</p><p>* You may designate a guardian for your minor child or children if you have survived the other parent-and, by judicious use of a trust and appointment of a trustee, eliminate the need for bonds and supervision by the court regarding the care of each minor childs estate<br />* You may designate an executor of your estate in your will and eliminate the need for a bond; in some states the designation of an independent executor will eliminate the need for court supervision of the settlement of your estate.<br />* You may choose to acknowledge or otherwise provide for a child (e.g., stepchild, godchild, etc.) in whom you have an interest, an elderly parent, or other individuals.<br />* If you are acting as custodian for the assets of a child or grandchild under the Uniform Gift (or Transfers) to Minors Act, you may designate your successor custodian and avoid the expense of a court appointment.</p><p>Good planning can also enhance your support of religious, educational, and other charitable causes.</p><p .0001pt="" 0in="" 150="" 22.5pt="" 238.0pt="" 4.5pt="" 40.5pt="" 45.0pt="" 463.5pt="" 481.5pt="" 6.3pt="" dotted="" justify="" line-height:="" margin-bottom:="" margin-left:="" margin-right:="" right="" tab-stops:="" text-align:=""><strong normal="">Non-probate assets which do not pass under Will</strong></p><p></p><p .0001pt="" 0in="" 150="" 22.5pt="" 238.0pt="" 4.5pt="" 40.5pt="" 45.0pt="" 463.5pt="" 481.5pt="" 6.3pt="" dotted="" justify="" line-height:="" margin-bottom:="" margin-left:="" margin-right:="" right="" tab-stops:="" text-align:=""><span font-size:="" geneva="" small=""> Please also remember that if you have assets such as bank accounts in joint names, or bank accounts payable upon death, these go directly to the beneficiary. If you have selected direct beneficiaries on any of your assets these pass outside your Will, including POD accounts or joint accounts. Your Will cannot change who the beneficiary is on a joint account, payable upon death accounts, or other assets such as Life Insurance policies. You would have to go directly to the bank or company where the assets are held and either direct that they change the beneficiary or not list any beneficiary at all other than your Estate. Other non-probate assets include a house owned with spouse [tenants by entirety], house in joint tenancy with non spouse, </span></p><p></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-8726811275768575803.post-34899552912002205632023-01-18T13:51:00.001-05:002023-01-18T13:51:25.587-05:00Sayreville Public Library Wills & Power of Attorney Seminar<p> <span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Sayreville Public Library Wills and Power of Attorney Seminar</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Monday, March 20th 2023 @6:00pm</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Open to the Public. You do not need to be a resident.</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">SPEAKER: Kenneth Vercammen, Esq. Edison, (Author – ABA’s “Wills and Estate Administration book”)</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Topics:</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">1. Administering the Estate/Probate/Surrogate</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">2. Dangers If You Have No Will or documents invalid</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">3. Getting your Estate Planning Documents done without going into a law office</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">4. What goes into a Will</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">5. Power of Attorneys recommendations</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">6. Living Will & Advance Directive for Medical Care</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">7. Avoiding unnecessary expenses and saving your family money</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">For Info Call: 732.727.0212</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Sayreville Public Library "Aziza Haque" (Sayreville)<span class="Apple-converted-space"> </span><a class="" href="mailto:ahaque@lmxac.org">ahaque@lmxac.org</a></span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">1050 Washington Road</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Parlin, NJ 08859</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">FB</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Can't attend? We can email you materials. Send email to<span class="Apple-converted-space"> </span><a class="" href="mailto:VercammenLaw@Njlaws.com">VercammenLaw@Njlaws.com</a></span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Free Will Seminars and Speakers Bureau for Groups</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">SPEAKERS BUREAU</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">At the request of senior citizen groups, unions, and Middlesex County companies and organizations, the " Speakers Bureau " is a service designed to educate citizens about how laws affect their lives and how the judicial system operates. We have attorneys available to speak to businesspersons, educational, civic and social organizations on a wide range of topics during business hours. If your organization in Central NJ would like to schedule a Will & Estates seminar, call Kenneth Vercammen’s Law Office at 732-572-0500 or<span class="Apple-converted-space"> </span><a class="" href="mailto:Vercammenlaw@njlaws.com">email Vercammenlaw@njlaws.com</a></span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">10 years ago the AARP Network Attorneys of the Edison/Metuchen/Woodbridge area several years ago established a community Speakers Bureau to provide educational programs to AARP and senior clubs, Unions and Middlesex County companies. Now, Ken Vercammen, Esq. and volunteer attorneys of the Middlesex County Estate Planning Council have provided Legal Rights Seminars to hundreds of seniors, business owners and their employees, unions, clubs, and non-profit groups</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Details on free programs available</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">These quality daytime educational programs will educate and even entertain. Clubs and companies are invited to schedule a free seminar. The following Seminars are now available:</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">1. WILLS & ESTATE ADMINISTRATION-PROTECT YOUR FAMILY AND</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">MAKE PLANNING EASY</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">2. POWER OF ATTORNEY to permit family to pay your bills if you are temporarily disabled and permit doctors to talk with family</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">All instructors are licensed attorneys who have been in practice at least 25 years. All instructors are members of the American Bar Association, New Jersey</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">State Bar Association, and Middlesex County Bar Association. All programs include free written materials.</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">You don't have to be wealthy or near death to do some thinking about a Will. Here is your opportunity to listen to an experienced attorney who will discuss how to distribute your property as you wish and avoid many rigid provisions of state law.</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Topics discussed include: Who needs a Will?; What if you die without a Will (intestacy)?; Mechanics of a Will; "Living Will"; Powers of Attorney; Selecting an executor, trustee, and guardian; Proper Will execution; Inheritance Taxes, Estate Taxes $14,000 annual gift tax exclusion, Bequests to charity, Why you need a "Self-Proving" Will and Estate Administration/ Probate.</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Sample materials: Hand-outs on Wills, Living Wills/Medical Advance Directive, Power of Attorney, Probate and Administration of an Estate, Real Estate, Working with your Attorney, Consumers Guide to New Jersey Laws, and Senior Citizen Rights.</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">About the speaker: Kenneth A. Vercammen is a trial attorney in Edison, NJ. We is the author of the American Bar Association’s book “Wills and Estate Administration”</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">He is co-chair of the ABA Probate & Estate Planning Law Committee of the American Bar Association Solo Small Firm Division. He is a speaker for the NJ State Bar Association at the annual Nuts & Bolts of Elder Law & Estate Administration program.</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">He was Editor of the ABA Estate Planning Probate Committee Newsletter. Mr. Vercammen has published over 150 legal articles in national and New Jersey publications on litigation, elder law, probate and trial topics. He is a highly regarded lecturer on litigation and probate law for the American Bar Association, NJ ICLE, New Jersey State Bar Association and Middlesex County Bar Association. His articles have been published in noted publications included New Jersey Law Journal, ABA Law Practice Management Magazine, and New Jersey Lawyer. He established the NJlaws website </span><a class="xdj266r x11i5rnm x1mh8g0r xexx8yu x9f619 xkhd6sd xt0b8zv xjbqb8w x4uap5 xaqea5y xggy1nq xav7gou xt0psk2 xat24cr x18d9i69 x6umtig xe8uvvx x1a2a7pz x1fey0fg x16tdsg8 x1b1mbwd x1ypdohk x1hl2dhg x1i10hfl" href="https://l.facebook.com/l.php?u=http%3A%2F%2Fwww.njlaws.com%2F%3Ffbclid%3DIwAR3SYZnhLpiFEWmxm55x6jDCn3wcQAfonhpADstpbaQ3-piaccmITcVP0Ko&h=AT1e73wAUWuqUtBn28M0fkeJNTe4jsdVK5POFWCPKAAATVyZS-Am-18lh2gyqy0ToKmgjuafzx6W6opb_kEeg8AvYJ7A90RGwOdoBBmQGQ02Cz6EmYT-ThvCg_gOd-sJblD_-hA&__tn__=q&c[0]=AT17uXxG8235kSMX7rk-qtZn--qwfOXA0DGVeoy7kGcoztJYkrtLyIcePVuZU-7qw_EfhvZMnDPYbJdJdAWfBxygAGqtHZiwY9rjZEtDTOhpNUGsux0RKdzSyamU-3xn6Yvj8YBXQjz_JbsDQBM2-8xQRRk4" rel="nofollow noopener" role="link" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; border: 0px; box-sizing: border-box; caret-color: rgb(0, 0, 0); color: var(--blue-link); cursor: pointer; display: inline; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; list-style: none; margin: 0px; orphans: 2; outline: none; padding: 0px; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; touch-action: manipulation; white-space: normal; widows: 2; word-spacing: 0px;" tabindex="0" target="_blank">www.njlaws.com</a><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;"> which includes many articles on Estate Planning, Probate and Wills. He is a member of the AARP and often lectures to groups on the importance of an up to date Will, Power of Attorney and Living Will.</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">KENNETH VERCAMMEN & ASSOCIATES, PC</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">ATTORNEY AT LAW</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">2053 Woodbridge Ave.</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">Edison, NJ 08817</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><span class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">(Phone) 732-572-0500</span><br class="" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; color: #050505; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-thickness: initial; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;" /><a class="xdj266r x11i5rnm x1mh8g0r xexx8yu x9f619 xkhd6sd xt0b8zv xjbqb8w x4uap5 xaqea5y xggy1nq xav7gou xt0psk2 xat24cr x18d9i69 x6umtig xe8uvvx x1a2a7pz x1fey0fg x16tdsg8 x1b1mbwd x1ypdohk x1hl2dhg x1i10hfl" href="http://www.njlaws.com/?fbclid=IwAR0TzFL4tvqti4zYImXNAt67BW2ZaoxdsVZ0HmVOF-s2gHt4hqkvHHYScAs" rel="nofollow noopener" role="link" style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: white; border: 0px; box-sizing: border-box; caret-color: rgb(0, 0, 0); color: var(--blue-link); cursor: pointer; display: inline; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; list-style: none; margin: 0px; orphans: 2; outline: none; padding: 0px; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; touch-action: manipulation; white-space: normal; widows: 2; word-spacing: 0px;" tabindex="0" target="_blank">www.njlaws.com</a></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0