The Werner Law Group

10/15/2026

Thought your old second mortgage was discharged in bankruptcy or forgiven? "Zombie mortgages" are coming back to haunt homeowners with aggressive collection tactics and foreclosure threats. Know your rights against unlawful debt collection. Read more here.

https://www.consumerfinance.gov/archive/blog/back-from-the-dead-zombie-second-mortgages/

10/15/2026

The SECURE 2.0 Act pushed the RMD starting age to 73 and eliminated required distributions for Roth 401(k) accounts. Understanding updated federal tax rules helps retirees optimize withdrawals and avoid costly penalties.

The SECURE 2.0 Act made major changes to rules for required minimum distributions (RMDs) — are you up to speed?

10/13/2026

Struggling with overwhelming medical bills? While there's no official "medical bankruptcy," filing for Chapter 7 or Chapter 13 can discharge or restructure unpaid healthcare debt alongside other unsecured liabilities. Learn how federal bankruptcy laws handle medical debt

https://www.creditkarma.com/debt/i/medical-debt-in-bankruptcies?

10/13/2026

A legal power of attorney allows a trusted agent to manage financial or medical decisions if you become incapacitated. Establishing durable powers of attorney early protects your assets and relieves family burden.

https://www.consumerfinance.gov/ask-cfpb/what-is-a-power-of-attorney-poa-en-1149/?

A power of attorney is a legal document that allows someone else to act on your behalf.

10/12/2026

Protecting your personal assets starts with forming the right business entity. Discover how LLC and S-Corp choices impact your liability protection, IRS compliance, and long-term growth plans.

Compare S-corps and LLCs, including taxes, ownership rules, and setup. Learn which structure works best based on your income, goals, and growth plans.

10/09/2026

Considering filing for bankruptcy without a lawyer? Self-represented filers face a significantly higher risk of case dismissal and asset loss. Learn why hiring a bankruptcy attorney protects your financial fresh start.

Learn if you should hire a bankruptcy attorney, what it costs and how legal help can affect your bankruptcy outcome.

10/08/2026

Did you know delaying your first Required Minimum Distribution (RMD) could force you to take two taxable withdrawals in the same year? Understand the 2026 updates to RMD rules and how they affect your retirement accounts and beneficiaries. Read more.

Understanding distribution rules can help retirees and IRA heirs avoid costly penalties and take advantage of new limits.