Neil R. Hedtke

Many Americans are struggling to manage massive student loan debt. A recent study revealed $1.73 TRILLION in student loan debt across the United States. It’s a shocking number, and it’s been a common debate among politicians in recent years. While…

An estate plan provides an outline for where your assets and hard work will go when you pass away, but it’s important to keep it up to date. A will is not a “set it and forget it” document, and…

Estate Planning is an essential process in California for protecting your family and your legacy. However, Estate Planning happens in many different forms. How can you tell which one is right for you? It all depends on what you want…

If you have ever had a close loved one pass away leaving you an inheritance, you have likely had to go through the probate process. Probate is the term used for how the courts determine what is going to happen…

Years ago, you created an estate plan that included a trust. Now, financial difficulties aggravated by the pandemic have left you in a position where bankruptcy is your best way to move forward. You know that your assets are subject…

A considerable amount of our lives are becoming digital. How often do you pay with cash at the grocery store? Do you have online accounts? Who has access to these accounts? These are all questions that should be discussed and…

There are options for people who have debt that seem impossible. Sadly, some people and organizations offer debt relief options solely intended to take advantage of you. Does this apply to every debt relief option? Absolutely not. But proceeding cautiously…

Filing for bankruptcy is never anyone’s first option—but it is usually their last. Life is paved with unexpected turns and financial challenges. Even those who have chosen bankruptcy as their best option may hesitate to initiate the process because they…

A lot gets discussed around the consequences of bankruptcy—how to rebuild your credit and what your financial future could be like after filing. It is equally important to discuss what bankruptcy cannot do and the debt issues that it won’t…