does he still need a will Hello, my father is 78 years old and lives in Las…

does he still need a will
Hello, my father is 78 years old and lives in Las Vegas, he owns a mobile home and the property it is on (the deed to this property is also in my name), and he has a savings account and he set it up with the bank that when he dies the bank will open 2 savings accounts 1 in my name and one in my sisters name and the money will be split between these accounts, that is all that he has and he insists that he does not need a will – is eveything protected the way it is now set up, thank you so much for your time, Linda

Senior in Nursing Home cannot pay credit cards My mother, age 82, is in a…

Senior in Nursing Home cannot pay credit cards
My mother, age 82, is in a nursing home. Her total income is her Social Security; she is without any other financial resources. She owes nearly $13,000 on one credit card and nearly $18,000 on another. I have power of attorney and have communicated her predicament to the credit card companies. She is on Medicaid now; her total income is spent on health insurance and the copay to the nursing home. Should I file bankruptcy for her? What else should I do? What options does she have? My mother is allowed to keep $35.00 per month for personal expenses, but other than that, she has nothing. Thank you for your response.

Possible Deficiency Judgement/Claim bankruptcy?

Possible Deficiency Judgement/Claim bankruptcy?
I have some clients who I helped purchase a home in Sept. Prior to the home, the husband owned a mobile home in a MH park. The husband sold the mobile home to someone subject to his financing until the buyer could replace the financing. The mobile was only worth about 1/2 of what it was financed for (financed for $54,000, worth about $25,000). Unfortunately, the buyer failed to continue to make payments and the mobile was repo/foreclosed upon in my client’s name. My clients’ home is 100% mortgaged and their credit was impecable before this. They have asked my advice as to what they should do. I did advise them to homestead their home, but they asked me if they should claim bankruptcy. I told them I didn’t think they should file bankruptcy because I didn’t feel it was likely they would have a deficiency judgement against them as there wasn’t any equity in their home yet and that they could protect some equity with a homestead. I did tell them I would try to get more professional advise, though, so here I am. I would really appreciate some feedback. Thank you.

tenants rights regarding unfit living condition our bathroom has had leak for…

tenants rights regarding unfit living condition
our bathroom has had leak for months the landlord knows he brought over cotracters ect.to look at it the floors rotting and theres mold . if we complain to much can he evict us does he have to provide a place for us to stay while there tearing up the floor?can he evict us or deoes he have to help with moving expences?month to month renters lived here 5 years