Neil R. Hedtke

Are mounting debts causing you sleepless nights? The prospect of bankruptcy can be intimidating, but there’s a lifeline you might not have considered – negotiating with your creditors. We want to help people understand why bankruptcy isn’t the end of…

  Bankruptcy can help many people get a fresh start when their debt gets out of control. The journey to get there can be somewhat long and winding, though. One of the stops along the way is the Meeting of…

Losing a loved one is difficult and usually requires time for the decedent’s survivors to process the loss. However, during this time of grieving, someone close to the decedent must also begin the process of closing the estate. In many…

Bankruptcy can take a lot out of a person. Finances on the fritz and all the noise about how “bad” bankruptcy is does nothing to help. The panic can be a lot for anyone to handle, but this is especially…

In a world with easy access to obscene levels of information, estate planning often suffers from common misconceptions. Most information online about estate planning will guide you to secure your assets for what you leave behind when you’re gone, but…

Filing for bankruptcy takes serious time and consideration. While we are often helping our clients fight the stigma of bankruptcy, we still understand the finality of such a decision and the short and long-term financial consequences. For some, bankruptcy is…

So much of our lives are spent planning for retirement. We build up wealth and assets in order to live a comfortable life in retirement. IRAs are popular retirement planning accounts that we advocate for and that many Americans use…

The worst-case scenario debtors think about before filing for bankruptcy is losing everything. Your house, car, furniture—what if it all goes away? Fortunately, many people can retain their principal place of residence thanks to what’s called the homestead exemption. Each…

We hope the holidays were full of good cheer for you and your family. Seeing loved ones far and wide is one of the best parts of the season. The holidays can sometimes reveal, though, that elderly family members are…

A trust is one of the most popular estate planning documents used by Californians. Trusts are preferred for their flexibility, customizable features, and ability to avoid the lengthy probate process, among other facets.  There are many different types of trusts…