Legal and Financial Services
Bankruptcy
Estate Planning
Williams and Associates, LLC provides expert legal assistance in navigating through the complexities of bankruptcy laws. Our team is dedicated to helping individuals and businesses obtain debt relief and get a fresh financial start.
Estate planning is essential for securing your assets and ensuring that your loved ones are taken care of in the future. Our experienced attorneys can help you create a comprehensive estate plan that reflects your wishes and protects your family's future.
Social Security
Disability Claims
Insurance Sales
and Service
- Navigating the process of filing for social security disability benefits can be overwhelming. Our legal team specializes in assisting disabled individuals with their claims, ensuring they receive the support they deserve.
Protecting your family's financial security is crucial. Williams and Associates, LLC offers a range of insurance products, including life insurance and annuities, to provide peace of mind for you and your loved ones.
BANKRUPTCY SERVICES
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In discussing Bankruptcy types, please note that there are two types of consumer bankruptcy chapters available, the first being Chapter 7 bankruptcy and the second being Chapter 13. Both chapters are available to both individuals and small businesses. In Chapter 7, debts are discharged according to the Bankruptcy Rules, which eliminates the need to repay them. There are exceptions to discharge, but in most cases, debts are discharged. In Chapter 13 cases, debts are organized into a repayment plan, usually at a reduced rate based on several factors. Payments are made monthly to the Bankruptcy Trustee, who pays your creditors directly. There are several advantages to filing Chapter 13 cases and also disadvantages. We can guide you through the differences. Our fee for preparation and filing of your case is fixed at $200 for Chapter 7 cases and $250 for Chapter 13 cases.
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At our firm, we offer all the traditional legal services you expect, with one key difference: we do not represent you at your bankruptcy creditor's meeting. With over 30 years of experience, we’ve found that in straightforward cases, this attendance often adds little. Instead, we can join you as an, familiar with your case, ready to answer questions and address any issues that arise. Your peace of mind is our priority, and we’re here to support you every step of the way. We only charge a small additional appearance fee to be there with you. *NOTE: It is important for you to know that certain cases may require representation of counsel. If this be the case, we will let you know before proceeding with your case. Large business cases, corporations or complex individual cases sometimes require full representation, and we are more concerned that you are adequately represented than any fees we may collect from you. Our services include the consultation, complete preparation of your case and ancillary documents ready for filing, filing of your case, and being available to give case information to your creditors, should they request it.
Let us go to work for you today!
ESTATE PLANNING
Planning your estate is essential for preserving wealth, minimizing taxes, and ensuring your loved ones are taken care of after you're. With various estate planning tools available, selecting the right specialist is to achieving your goals. Our services include wills, trusts, Powers of Attorney, and comprehensive tax planning, tailored to address both your current needs and future aspirations. Let us help you secure your legacy and provide peace of mind for you and your family.
At our firm, we provide flat-fee estate planning services to simplify the process for you. Our Living Trust package is offered at $600, which includes drafting your-over will and Powers of Attorney for both Healthcare and Financial. If real estate transfers are needed, we charge an additional $100 for Title Trust Transfer Deeds. Additionally, our Special Needs Trusts are available for $450, ensuring individuals with disabilities can maintain their SSI benefits while having their assets securely managed. All trusts come in a personalized Estate Planning binder, keeping your important documents organized and accessible.
SOCIAL SECURITY DISABILITY CLAIMS REPRESENTATION
With over 18 years of experience representing Social Security disability claimants, we guide you through every step of the process, from initial claims to appeals. Our network includes medical professionals from various disciplines, ensuring you receive both legal and medical expertise essential for successful representation. We manage SSDI and SSI claims, charging a fee based solely on a percentage (up to a maximum of 25%) of your disability back payments—if we don’t win, you owe us nothing. Trust our proven success rates; contact us today for free consultation let us put our experience to work for you.
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Filing a claim for disability benefits can be challenging. The process is rigid and extremely time sensitive. It is a fact that about 65% of all claims are denied on the first application filed with SSA. Many claimants simply file new applications, which can also be denied upon the first filing of the new application. The numbers improve if one files an appeal of the original decision. Roughly 50% of all appeals are granted nationwide. Additionally, the approval rates vary from state-to-state. For instance, only 37% of initial are approved on the first filing, and in Kansas, that approval number jumps to 46%. Regardless of the state that you reside in, your chances will greatly improve if you bring aboard tough and knowledgeable representation from the very beginning of the process. Michael Williams, our Senior Associate is just person to handle your case. He is more than ready to consult with you.
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LIFE INSURANCE AND ANNUITY SALES AND SERVICE
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The choice to purchase life insurance is a personal one. The five main reasons to have life insurance coverage are:
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1. Life insurance can cover final expenses, such as medical bills and funeral costs.
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2. Leave and inheritance and pass on individual wealth.
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3. Cover large debt which can become the responsibility of others when you pass.
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4. Replace your income to provide financial stability to your family.
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5. Build an investment for the future.
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Looking for the right insurance professional? Look no further than John Williams. He listens to your needs, understands your financial goals, and provides a view of your options. Whether you're a grandparent wanting to secure your grandchildren's future or parent planning ahead, life insurance is a reliable and cost-effective solution. With John, you’ll get the right coverage and ongoing support every step of the way.
Next, let us discuss annuities. Annuities are investment vehicles and is a contract between you and an insurance company to provide you with an income during your lifetime. Unlike life insurance, annuities pay you when you live, and insurance pays you when you die. There are three types of annuities, which are fixed, variable and indexed. With fixed annuities you receive a set rate of return annually. This option allows you to budget without the risk. With variable annuities, your rate of return is based upon the performance of trading platforms such as the stock market or stock indexes. While this type of annuity can return much more than a fixed annuity, there may be some downsides. The fees associated with management of this annuity may outweigh possible gains based on stock market performance. These types of annuities can also be paper intensive and complicated. But the allure of gains without direct participation in the stock market is very attractive. One of the most attractive features of this type of annuity is that distributions are tax deferred like 401(k) plans for instance. You only pay tax on the gains when you take distributions. The third type of annuity is the indexed annuity, with rates of return on par with major trading formulas, such as the S&P 500, the Nasdaq 100 and the Euro Stox 50. Again, rates of return can be attractive and may outperform the variable annuities. Distributions are also tax deferred.
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As with your life insurance, you need a seasoned specialist. You can count on that when you go with John. He has decades of experience in both life insurance and annuities. He can help you navigate the complex terrain, and advise you, not with commissions in mind, but you and your future. Contact him today!