Protecting Senior Relatives From Scams: What You Need to Know

senior scams

No one is immune to being scammed, but older Americans are a particularly vulnerable segment of our population. While victims of scams may be reluctant to report their losses due to embarrassment or reluctance to engage in legal disputes, the Federal Trade Commission estimates that over 7% of seniors aged 65 to 74 and over 6% of those over 75 become victims of fraud, losing billions of dollars annually.

If you are helping to care for aging loved ones, it’s vital that you do your best to keep them informed of current scams. Any elderly person who is experiencing deteriorating cognition, should have someone review their finances regularly. By staying current on their financial situation, you will be able to nip anomalies in the bud before they’ve lost hundreds or thousands of dollars.

The following guide to protecting your senior loved ones from scams in the year 2019 is intended to help prevent fraud, but read to the end if you need to report a fraud that has already occurred; we’ve got links to put you in touch with the right authorities.

1. Be wary of seemingly official communication that evokes fear or panic.

As we all know, we don’t think clearly when our negative emotions have been strongly triggered. That’s why scammers use sneaky tactics to scare senior citizens into sharing personal information or outright forking over their hard-earned savings.

Tell your loved ones that anyone who contacts them and says that there is an urgent reason for them to reveal private data (bank account numbers, credit card numbers, SSN) is not to be interacted with.

A bank isn’t going to call and request such information, and no governmental organization—whether Social Security or the greatly-feared IRS—is going to call and threaten them at home.

Under no circumstances should sensitive information be shared with cold callers. No matter your age, do your due diligence to make sure personnel are legitimately associated with their cited organization.

2. Even if your loved one does want to make a purchase, advise a waiting period.

No trustworthy sales person will pressure someone to buy immediately. Sales people who advise taking little or no time to mull over a financial decision are using fraudulent tactics to manipulate their target into making a bad decision.

It’s a good idea for everyone to wait at least 24 hours before acting on a decision to purchase. If you can, wait a full week and think through the implications of any big-ticket item.

3. The Grandparent Scam is new again.

In this take on the classic scam, someone calls an older person and pretends to be their grandchild. They spin a sad story—again, designed to spark a wave of disorienting emotion—that they’ve been in a car accident, or have been robbed, or even imprisoned, and beg for money to be wired over immediately.

While younger people who are scammed are more likely to wire funds, older adults mail cash. They’re taken for a median individual loss of $9,000.

Claiming to be avoiding loss of money in the mail, these unscrupulous crooks ask their victims to stuff cash into several envelopes, then lay the envelopes between magazine pages and mail them out.

Should your loved one receive a call from a distressed “family member,” they should take the time to call that person on their usual line and verify their whereabouts and situation. Don’t mail cash under any circumstances.

4. Natural disaster relief is rife with scammers.

After a natural disaster, scammers waltz in, targeting the victims and their family members/friends. These scams may begin with cold calls, social media outreach, emails, or even with a personal visit.

Scammers may pretend to be a charity or federal agency. They’ll ask for donations or personal information, often saying they need this information to complete official forms requesting funds for direct disaster relief.

If you or your loved ones are victims of natural disaster, use NCOA’s BenefitsCheckUp® disaster assistance tool to locate legitimate sources of aid.

5. Counterfeit Prescription Drugs

You may receive advertisements or emails advertising prescription drugs that work just as well as (and for less money than) the ones you’re paying for now. These are, largely, fake. These drugs may not even be real, and the people behind them are just trying to get your insurance information or credit card number. Alternatively, the drugs may be counterfeit, essentially acting as placebos. This is obviously severely dangerous to your health and potentially fatal. Elderly people consume about one-third of all prescription drugs in the U.S., despite making up less than 15 percent of the population, and scammers take aim at this need for cheaper prescriptions.

Here’s who to contact if you need to report a scam.

The FBI deals with blue- and white-collar crimes. If the scam happened online, they’ll look into it.

The FTC handles telemarketing and phishing scams.

If you’ve made a misplaced investment in an opportunity only to realize you’ve been scammed, report it to the SEC.

The SSA is who to inform if you’re scammed with regard to your social security number.

If an online business has fraudulent practices, report it to the BBB. Their website identifies businesses across the country who have attempted to scam customers.

Will a New Jersey Bankruptcy Resolve My Plastic Surgery Debt?

new jersey bankruptcy

Medical debt is one of the leading causes of excess debt in the US. Even when covered under medical insurance, many NJ residents find themselves facing bankruptcy as they struggle under the pressure of medical debts. Bankruptcy can seem intimidating, but it can be a great way to get a fresh start if you find yourself struggling to pay back medical debts. Whether you choose to fully discharge these debts under Chapter 7 bankruptcy or enter into a more manageable repayment plan with a Chapter 13 New Jersey bankruptcy reorganization, filing for bankruptcy can set you on the path to financial health.


Bankruptcy is meant to allow people to move forward from previous financial mistakes or setbacks.


What about plastic surgery debt?

While it is true that plastic surgery is a medical procedure, it is elective and that choice makes the difference when filing for bankruptcy. Plastic surgery is considered a luxury debt. Luxury debts include any goods or services you purchase with a credit card that are not considered necessary to the maintenance of you or your dependents. Also in this category are jewelry, home décor, beauty products/services, vacations, electronic devices, and even alcohol. It is important to include any luxury debt when you file for bankruptcy, but that doesn’t mean these debts will be discharged.

The timing of the purchase of these products and services is what is crucial to whether or not they will be discharged in your bankruptcy case. In NJ, if the debt was accrued within the 60 days immediately before you file for bankruptcy, it is within the right of the credit card company to refute your claim. The credit card company could argue that you made the purchase using credit you had no intention of paying back. This is called constructive fraud, or fraud that occurs when a debtor’s actions imply fraud even if their intentions weren’t to commit fraud. Any luxury purchases totaling $1,150 or more made in the 60 days just prior to your bankruptcy is filed could be scrutinized as constructive fraud.


There are a plethora of myths and misconceptions surrounding bankruptcy proceedings. Turn to an expert when you have questions.


If either your credit card company or plastic surgeon decide to sue for nondischargeability of the debt, you will become the defendant in a lawsuit. It will be your responsibility to prove to the court that the purchase was necessary. You will also have a chance to defend yourself against the suit if you can prove you had the intention to repay the debt and show that you made an effort to do so before filing for bankruptcy. If the court decides this purchase was unnecessary—or that it was considered fraudulent—your plastic surgery debt will be deemed non-dischargeable and you will still be responsible for paying off this debt.

Luckily, this only applies to luxury debt accrued within the 60 days before filing for bankruptcy. It is very likely that debt from plastic surgery accumulated before the preceding 60 days will be included as dischargeable debt in the final decision for your bankruptcy case. Whether the plastic surgery debt was from elective surgical or non-surgical medical procedures should not make a difference in making it eligible to be discharged under either Chapter 7 or Chapter 13 bankruptcy. Bankruptcy is meant to allow people to move forward from previous financial mistakes or setbacks, and plastic surgery debt is no exception.

There can be a lot of myths and misconceptions surrounding bankruptcy proceedings. Veitengruber Law is experienced in providing full-service debt relief solutions. We understand the stress caused by seemingly insurmountable debt and we work hard to offer solutions to even the most difficult financial problems. We know that bankruptcy is not the end of the line, but a chance for our clients to get back on their feet and on the road to financial health. We offer customized bankruptcy analysis based on your specific goals and financial needs. Call us today at 732-852-7295 for your free, no-obligation consultation with our experienced team of bankruptcy experts.

A Relative Stole My Child’s Identity: What Are My Options in New Jersey?

nj identity theft

Having one’s identify stolen is stressful, and remedying the breach is complicated and time-consuming. This is all doubly true when it is not your own identity that is stolen, but rather your child’s. Worst of all: realizing that you are one of the thousands of Americans whose own relative has stolen your child’s identity.

6 in 10 of the children who are victims of identity theft know their perpetrator well. By contrast, a scant 7% of adult victims of identity theft were acquainted with the person who had stolen their information.

While it might seem obvious to you that your kindergartner couldn’t possibly have taken a weekend trip to go scuba diving without you noticing, that won’t make it any easier for you to straighten out the chaos left in the wake of child identity theft; regretfully it’s just as complicated as adult identity theft.

A child’s SSN can be even more valuable than an adult’s; after all, a child’s identity is a blank slate. That means it can be used as part of a con to seek government benefits, to open lines of credit or bank accounts, and to rent housing without conflicting information showing up on the radar.

The following guide will take you step by step through the procedure you’ll need to follow once you’ve discovered that your child’s identity is being used illegally.

1. Contact The Authorities

If your child’s identity has been stolen by a relative, you may be feeling conflicted about reporting your relative to local authorities. Even when we’re betrayed by a family member in such a reckless and selfish manner, many of us would rather not see a loved one prosecuted.

Unfortunately, credit institutions will require a police report detailing the crime of identity theft before they’ll permit you to rectify your child’s good name and credit standing. You must set aside your feelings for your family member and allow the law to intervene.

Before you contact the police, prepare yourself for the reality that is soon to follow. Turning in your loved one means accepting the likelihood that they’ll receive a felony conviction. New Jersey Identity Theft sentencing guidelines suggest prison terms ranging in length according to the severity of the financial damage and hefty fines to go with them.

2. Place a Fraud Alert

The next step is contacting one of the credit reporting companies and placing a fraud alert. The one you choose is supposed to alert the other two, but if you want to be sure this happens, it would be wise to follow up and make sure it’s been done.

Here are the contact numbers for the 3 major credit bureaus:

Experian (TRW) 888-397-3742

TransUnion 800-680-7289

Equifax 800-525-6285

3. Submit a Report to the FTC

Complete the form online here. Once this form has been submitted, you’ll be given a full report on your identity theft and an individualized recovery plan. This report serves as proof of your child’s identity having been stolen, so under no circumstances should you skip this step.

What’s Next?

Once the above steps have been completed, you’ll begin the potentially lengthy process of contacting each institution or individual who has been duped by the con.

Contact the fraud departments for each point of theft and inform them that your child is a minor who is not legally permitted to enter into contracts. Attach a copy of your child’s birth certificate, if necessary.

Close any accounts that have been opened in your child’s name. When you contact a business or bank who lent money or extended credit to the thief, request letters confirming that these accounts do not belong to your child. This letter needs to declare your child free of these debts and confirm that the accounts have been removed from your child’s credit report.

Consider a Child Credit Freeze

Finally, you may consider freezing your child’s credit until they are old enough to use it themselves. A credit freeze simply restricts access to your child’s file, meaning it’s much more difficult for a thief—related to you or a total stranger—to open new accounts in your child’s name.

Contact a Credit Repair Professional

If you’ve worked your way through all of the steps above or got stuck on one of them, reach out to a NJ credit repair attorney. Repairing your child’s credit now is crucial to their financial wellness later in life.

Avoid Inheritance Conflict with a Proper NJ Estate Plan

NJ estate plan

After a lifetime of hard work, it is only natural for parents to want to use their savings and investments to benefit their children and grandchildren after they are gone. Estate planning is a great way to secure your legacy and establish a plan for distributing your assets among your family members. It is important to note, however, that the execution of an estate plan also has the potential to create inheritance conflict between your loved ones. Even the most tight-knit families may experience some conflict, and for troubled families, the struggle is even worse. Anticipating inheritance conflict and taking proactive steps to defend against it are part of creating a great NJ estate plan. Here are some ways you can squash inheritance conflict before it even starts.

Pre-Plan Funeral Arrangements

Funerals are times of charged emotions and can often bring buried feelings to the surface. Take some of the pressure off of your children by planning your funeral details in advance. Determine if and where you want the services to be held and your preferred form of internment. Especially for re-married widows and widowers, determining in advance where (and with whom) you want to be interred can prevent controversy and hurt feelings.

Name an Executor

Naming an executor of your will establishes a certain order to the process of exacting your estate plan. Instead of leaving it to your family to figure out, name an attorney or unbiased third-party as the executor. If you would prefer to have a family member act as the executor, be sure you have a good reason for making this choice. You may choose to name your oldest child, or a child that has specific legal or financial knowledge. Keep in mind that being an executor is a lot of hard work and this is something you should discuss with them beforehand.

Divide Your Assets Equally

You know your children better than anyone. Some children may have historically relied more on your resources than others. It can be tempting for parents to leave more to these children than to their more self-sufficient or successful children. Resist this temptation. Unequal allocation of assets can open old wounds and create resentment. It can be seen by those who receive less as a final and unforgivable show of favoritism. Treat your children equally. The exceptions to this are if a child or dependent has a significant handicap (and therefore may need more of your resources to get by after you’re gone) or if you know a child would use their inheritance to further an unhealthy lifestyle. In the latter case, you should be certain before you disinherit, which will leave a lasting impact of hurt and rejection with your loved one.

Give Careful Thought to Personal Items and Family Heirlooms

Make sure you have a plan in place for how to divvy up your personal items and family heirlooms. Creating a plan for any valuable family jewels or other pricey objects is important to preventing fighting later. Who gets to keep your ring or the china you received as a wedding gift? Keep in mind that people can be very sentimental over even the smallest of objects. Your watch may not seem important to you, but it may hold immense sentimental value for your son. Do not discount these attachments or the conflict that can arise over dividing these sentimental tokens. Have a family conversation and come up with a plan that everyone can agree on for the selection process.

Explain the Basics, Not the Details

One you have your estate plan prepared, tell your children and loved ones the basics. Call a family meeting so you can all discuss the plans and what impact these plans will have on the children. This is a good time to set realistic expectations of your children’s inheritance. But be cautious about what you choose to share. Estate planning is an ever changing process and you may choose to make changes that differ from the details you shared with your loved ones earlier on. You do not want your children to view these potential changes as a punishment or as though you have “taken away” something from them. Instead, give your children enough information so that they will know what to expect without providing any specific numbers or inheritance details.

IMPORTANT NOTE: Inheritance conflicts ARE NOT inevitable!

Careful and thoughtful planning with an experienced estate planning attorney can save your family a lot of heartache. At Veitengruber Law, we know your most important legacy lies with the loved ones you leave behind. We know every estate plan is different because every family is different. Our compassionate and experienced legal team will work with you to create a thoughtful estate plan that will bring peace and comfort to you and your loved ones.

Choosing the Right NJ Estate Planning Attorney

NJ estate planning attorney

When it comes to estate planning, it can be confusing to know where to begin. Despite the many benefits of working with an estate planning attorney, people taking the first steps to plan for the future can be hesitant to discuss their assets and personal details with a professional. The best NJ estate planning attorneys provide in-depth knowledge of all the tools you will need to secure your future, but it can be hard to know where to start looking for the qualified professional that fits your specific needs. Here is how you can make sure you’re getting the best legal advice for your personalized estate plan.

 

  1. Talk to friends and family.

One of the best sources for finding a quality estate planning attorney is to ask friends and family who they have used in the past. If you know someone who has recently created an estate plan, ask them if they worked with an estate planning attorney. Getting a recommendation from a trusted friend will typically mean more than any online review. The people close to you will also be able to tell you about their experiences so you know what to expect.

 

  1. Don’t be afraid to look outside your area.

While you certainly want to work with a lawyer that is licensed to practice in your state, don’t just settle for the attorney that is the closest to you. It is better to find an attorney that fits your needs first and look at geography second. Many attorneys will be willing to work with you if travel is difficult for you, or may have a satellite office in your area. The right attorney will make the effort to meet your needs.

 

  1. Consult with other professionals.

If you work with an accountant, a financial advisor, or another kind of attorney, ask if they could suggest any estate planning attorneys. These professionals tend to work together for clients and therefore know the best of the best in each specialty area. It’s even possible these trusted professionals worked personally with an attorney on their own estate plan. They will have insight into a potential estate planning attorney’s work ethic, business practices, and expertise.

 

  1. Watch out for internet directories.

While google searches have become the internet’s version of the yellow pages, be wary of relying too much on internet directories. Most of these directories are compiled of attorneys and law offices that have paid a large fee for a good review as a “specialist.” Only trust lists that are verified by a third party. These directories are not paid to list an attorney and they use specific criteria to rank qualified professionals. One great website to search for lawyers is the verification site www.avvo.com.

 

  1. Bar Association referrals.

State and local Bar Associations offer lawyer referral services to the public. The NJ Bar Association sorts their referral lists by specialty so you can look specifically for an estate planning attorney. Keep in mind that the Bar Association is not assessing attorneys based on the quality of their work and that attorneys pay a fee to be featured in these lists. Just because an attorney is listed on this website, it doesn’t mean they will be a good match for your legal needs. However, if you are struggling to find an attorney, this may be a good jumping off point.

 

  1. Look for signs of accountability.

A good estate planning attorney will have a malpractice insurance policy. Even the best attorneys make mistakes. An attorney that acknowledges this fact and has taken the necessary precautions shows trustworthy judgment and professionalism. You can also see if the attorney is part of any professional organizations. This can indicate that they are interested in keeping up with the latest estate planning developments. Taking the time to be involved in these organizations means an attorney is constantly sharpening their knowledge and networking with other professionals. Keeping up to date on recent laws and planning techniques will benefit you and your family.

 

At Veitengruber Law, our legal team is experienced in providing estate planning and asset protection services that are customized to fit your specific needs and future goals. We know how intimidating it can be to consult with an attorney. We will take the time to sit down with you to discuss your concerns and make sure you understand all of your legal options. We want you to be able to make informed decisions about your future. Call us today at 732-852-7295 for your free, no-obligation consultation. We work with clients throughout New Jersey and can discuss your options over the phone if travel is difficult. We also have a satellite office in Bordentown, NJ.

 

Don’t wait to make a plan to secure your future. Talk to an experienced estate planning attorney today.

NJ Estate Planning: CPA or Attorney?

nj estate planning

Estate planning and asset protection are broad terms that encompass a wide array of financial and legal arrangements. A lot of people think that if they have a will in place, their estate planning is complete. A good estate plan, however, uses many more tools to help protect your assets and your legacy. There are so many different options when it comes to estate planning that it can be hard to know where to turn for the best advice. CPAs and attorneys both offer NJ estate planning services, but which professional is right for you?

Ultimately, choosing between an attorney and a CPA for your estate planning needs will come down to the kind of advice you are looking for and your overall estate planning goals.

CPAs, or certified public accountants, are trusted financial advisors with detailed knowledge of tax laws. An understanding of tax laws is important to estate planning because different estate planning tools are subject to different taxes. Tax laws change constantly and it is a CPA’s job to understand the implications of these changes. A CPA will be able to provide insight into estate and gift tax laws that could save you and your beneficiaries’ money in the long run. Complex estates with a lot of financial resources would benefit the most from the expertise of a CPA. That being said, a CPA is not a substitute for an estate planning attorney.

Experienced estate planning attorneys will also be familiar with the intricacies of how each estate planning tool will impact taxes and fees. Additionally, attorneys bring their vast legal knowledge to the table. There is a wide array of estate planning tools and each one will offer different protections for different situations. An estate planning attorney experienced with asset protection will know which tools to use and how to maximize the protections on your estate to ensure you and your loved ones are protected for the long-term.

With so many estate planning tools available, it can be difficult to understand which tools are best suited for your purposes. Most people have a will, but is that enough? This is where an attorney can make all the difference in the strength of your estate plan. The process of establishing a power of attorney, revocable and irrevocable trusts, and other estate planning tools is complex and will require a deep knowledge of the law. An experienced estate planning attorney will be able to help you make informed legal decisions by creating an estate plan made up of purposeful tools customized to meet your specific goals.

Your attorney can work with you and your family to distribute your estate as you wish and create plans that will benefit you and your loved ones in your lifetime and after. Estate planning attorneys may even be able to help you with the administration of your estate plan, either through the probate process or as the trustee of a trust. An attorney will have first-hand knowledge of your wishes and know exactly how to make sure to see your plans through to the end.

The more complex your estate, the more likely it is that you will want to work with both a CPA and an attorney. While certainly not necessary for everyone, this kind of estate planning “team” can work together to create a detailed, tightly woven plan to protect you and your loved ones. A CPA can offer the financial and tax advice to supplement the legal knowledge of an experienced estate planning attorney. However you decide to seek advice on your estate plan, do your research. These professionals will be intimately involved with you and your family’s affairs during your lifetime and after you’re gone. It is important to choose someone you can trust.

Estate planning is a very detail-oriented, complex legal process. It is in the best interest of you and your loved ones for you to consult with an attorney experienced with estate planning. The dedicated legal team at Veitengruber Law has years of experience providing personalized asset protection strategies based on each individual client’s needs. We treat our clients like family. Our attorney and legal team will work hard to protect your future so you can rest easy today.

Starting a Small Business in NJ: Do I Need an Attorney or CPA?

small business in nj

 

It’s the quintessential American dream to own a successful business. No matter what product or service(s) you’re eager to provide, every empire starts somewhere. While the popularity of Shark Tank has captured the spirit of the American entrepreneur, the statistics for success are quite grim. Over 627,000 new small businesses are started each year; however, 535,000 businesses close each year. To help your small business in NJ beat the odds and become a fixture of growth, it is important to start off on the right foot. Knowing where to begin is not always easy. You’ll need to hire the right professionals to help you navigate New Jersey’s complicated tax and business laws.

As a business owner, you’re the salesman, head of marketing, technical support provider, customer service representative, bookkeeper, debt collector, human resources department, and CEO. You need to either be an expert in each area or hire people with the expertise you need.

 


How to Jump-start Your Business


 

STEP 1: Decide on a business structure.

Some common business structures are sole-proprietorships, partnerships, limited liability companies (LLC), corporations, non-profits, and cooperatives. You can review the specifics here. This is a crucial decision, and making the right one without being informed would be a grave mistake. For this first step, you should consult with both an attorney and a CPA. Veitengruber Law can help advise you on what type of structure would best suit your business model. A CPA will advise you on how to minimize your tax burden when choosing a business structure.

 

STEP 2: Become an operating business entity.

To do this, you must file formation documents with the state, register your business name (for tax purposes), and obtain an employer identification number (EIN). Without all three, you cannot become an operating business entity in the state of New Jersey.

During (and beyond) these first steps, you’ll find the advice of both an attorney and a CPA invaluable in getting your business off the ground. Each provides important expertise and the right professionals will work together on your behalf.

 


The CPA and Your New Business


 

Not many people spend their leisure time brushing up on the ins and outs of business tax law. Even as a business owner, you’re probably unfamiliar with your tax exposure. A CPA is your translator and is ethically bound to give you sound business advice. Don’t try to navigate the tax code on your own.

Sales Tax

States, especially New Jersey, are notorious for changing sales tax on a whim. Is your product subject to sales tax? The NJ sales tax rate has changed twice in the last two years. Certain products are sales tax-exempt as are non-profits. A CPA can help make sure your sales tax charges are correct.

Payroll

If you have employees, you’ll need to accurately reflect payroll taxes, social security, and disability on pay stubs. For a first-time business owner this can all be very overwhelming. A CPA knows how to get your pay system up and running.

Income Tax

Sound financial planning is a necessity for a new business. A CPA will help determine your tax liability and set you up with a payment plan for quarterly tax payments to help you avoid an audit. They will also help maximize your deductions. A lot has changed in the allowable deductions since the changes in the 2018 tax code, so review with your CPA what you plan to deduct.

Growth

Many small businesses require an investment from outside parties in order to grow. A CPA can help create a financial plan to make the numbers look most attractive to investors. Your goal may even be to sell your business outright, and the process of reviewing your accounting books will determine your profits.

 


The Real Estate Attorney and Your New Business


 

Location, location, location

One of the first decisions you’ll make about your business once you’ve given it a name and registered it is where you will be located. Sometimes you start out in a home office. Hopefully the business will grow to the point where you’ll need to determine an outside location. Finding the optimal space that will boost your chances of success can be a daunting task as a business owner. You’ll work with a real estate agent to help you find the right space, but your attorney will be reviewing all contracts, leases, inspections, and will look for liens on potential locations.

Room to grow

There are many factors you’ll need to consider like whether to rent or buy. What size space is best suited for your current needs but can also accommodate future growth? Locales with heavy foot traffic, access to major roadways, proximity to your client base, and low crime rates may be more expensive but will be give your business the best chance for growth. Should you decide to rent a space, your real estate attorney will assist with any issues that arise with your landlord.

Veitengruber Law can also help your business in areas outside of real estate law, such as:

Liability

A common misunderstanding among many small business owners is that by incorporating into a formal business structure (as mentioned above), you’ll be free from all personal liability. While there are instances where you can be held personally liable, they are specific, and Veitengruber Law will spell out your personal liability as a business owner so that you don’t end up getting sued. Knowing the rules is very important!

Asset protection

In addition to lawsuit risks, you can also run into contract disputes and torts (actions that result in damages) when you own a business. Protecting your business assets is key, and this is one area in which Veitengruber Law is proud to be extremely well-versed.

Debt Negotiation

As your business attorney, we will form an important relationship with you throughout the life of your company. When your business hits a bump in the road, such as taking on too much debt, Veitengruber Law will be just a phone call away to assist with difficult creditors. We can help you formulate a plan to avoid getting into too much debt in the first place, but we do recognize that debt happens.

 


Attorney and CPA: Working Together


 

It is important that your CPA and attorney work well together. Veitengruber Law can recommend several experienced and trustworthy local CPAs from our extensive professional network. Together we can create a top-to-bottom budget that will fit your business needs.

Drafting the right Attorney/CPA combination is one of the most important steps you can take as you start your small business. Although it can be tempting to “do it yourself” in order to save money, the investment of hiring experienced professionals like Veitengruber Law will give your business a much higher chance for long-term success.