News and Articles

What Happens to Your Debt When You Die?

Wednesday, May 01, 2019
Most people have debt. We accumulate it in the form of student loans, mortgages, car loans, credit cards, and more. The choice to go into debt is often times a choice to invest in our future. Whether you’ve taken out a student loan to pursue higher education or mortgaged your first home, debt is a part of life. 

Have you ever considered where your debt would go if something were to happen to you? What would happen to the next ten years of mortgage payments and all the credit card debt from Christmas? Understanding and preparing for what will happen to that debt when you’re gone is vital.

Most people die with debt, but that debt is typically not passed to heirs. Instead, your estate – all your assets and liabilities at the time of your death – pays down the debt. Only after your estate pays outstanding debts do your heirs get whatever’s left. The legal process that repays debts and distributes assets to heirs is called probate. Read More...

Has Your Will Been Notarized Properly?

Monday, April 01, 2019

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Social Security Retirement Benefits: When Should You Start Receiving Yours?

Friday, March 01, 2019

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Just Because Your Name Is On An Account Does Not Make It Yours!

Friday, February 01, 2019

If your name is on a shared certificate of deposit account (the kind that says “Patricia Miramon or Someone Else”), the funds in that account will not necessarily go to you (the other account holder) in the event of the account owner’s death. Read More...


Record Transfer Services - Do not pay this company

Monday, September 30, 2013

Following the completion of recording documents at the local courthouses, some clients are receiving letters from "Record Transfer Services" stating that they should to pay this company to obtain certified copies of their documents. This is absolutely false. All of my clients are provided with certified copies of their documents and additional copies can be easily obtained either through my office or through the clerk of court's office without using "Record Transfer Services."  Read More...


Small Succession Procedure

Thursday, August 22, 2013

Louisiana does have a provision for an out of court "small succession" but it has several requirements that do not apply to most estates. There can be no will or only a will which has been probated in another state, the heirs are the children, parents and/or brothers or sisters. Further, the assets owned by the deceased must not exceed $75,000.00. The home also has to have been occupied by the deceased or his or her surviving spouse at the time of death unless they were not residing there due to illness, incapacity, natural disaster or destruction.  Read More...