We have all seen famous actors on television advertising reverse mortgages and talking about how they provide seniors with a stream of income for their old age by tapping into the equity in their homes.  It sounds great!  But is it?  While there may be real benefits for some people, reverse mortgages come with high costs and other serious drawbacks you need to consider.  The more you know about reverse mortgages, the better equipped you will be to make a sound financial decision about something as important as your home.

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Whether you are an employer or employee, business owner or consumer, it is likely that you will one day find it necessary to hire an attorney. The following are tips to help you find an attorney, and once you do, how to work effectively with him/her to resolve your legal issues. There is also an explanation of the different legal fees and costs you might encounter during your case.

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Need Assistance Preparing Legal Documents?

Individuals may complete legal documents on their own behalf. Attorneys in good standing with the State Bar of Arizona can assist you with court forms as well as provide you with important legal advice about your legal situation.

Additionally, Arizona certified legal documents preparers (“AZCLDPs”) who have been certified by the Arizona Supreme Court are authorized to help you complete court forms. However, AZCLDPs cannot give legal advice, recommend case strategies or legal remedies, engage in settlement negotiations, or represent you in Court.

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Health-e-Arizona is an on-line application for Arizona residents.  You can apply for medical coverage, Nutrition Assistance (Food Stamps), and cash assistance. You can use Health-e-Arizona even if you have applied before or are currently receiving benefits.

 

A certified fiduciary is an individual or business serving as a court appointed guardian, conservator or personal representative (probate) for one or more persons, charging a fee, unrelated to the person or decedent and is not nominated in the will.

Each county in Arizona has a probate court which is part of the state’s court system. This probate court appoints the guardians for incapacitated persons, conservators for persons whose assets require protection, and personal representatives for the administration of decedents’ estates.

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By Sandra Perez

Social Security Assistant District Manager, Phoenix Downtown

Medicare went into effect 48 years ago on July 1, 1966. Earlier that same year, Medicare workers went door to door trying to get seniors to sign up. Medicare was not the cornerstone then that it is today and people did not know whether it was going to work for the long haul.

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Arizona has three general services Legal Aid organizations which cover different regions of the state. Community Legal Services (800) 852-9075 covers Maricopa, Mohave, Yavapai, Yuma and LaPaz Counties. Southern Arizona Legal Aid (800) 640-9465 covers Southern Arizona. DNA People’s Legal Services (800) 789-7287 covers Northern Arizona.

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