Bankruptcy $299:

Platinum Agency, Inc. can help you get the fresh start that you need and deserve.  We can help you stop harassing phone calls from bill collectors, stop foreclosures or wage garnishments.  We will go over the entire Bankruptcy process, explaining every step to you.  We will assist you with the paperwork needed.  We will type it and file it for you, making the entire process as stress-free as possible.

What is Bankruptcy?

Bankruptcy, or insolvency as it is otherwise known, is a legal declaration of an inability or an impairment to pay for the debts owed to creditors. To put it simply, it is an option that debtors and creditors have whenever an individual cannot pay his debts when they fall due. Note that bankruptcy is not permanent. It is a temporary case, thus, allowing you, the debtor, to gain a fresh start. The two main options for personal bankruptcy are Chapter 7 and Chapter 13.

What is the purpose of bankruptcy?

Bankruptcy is seen as a graceful way out of a debt. Its primary purpose is to give an honest debtor a “fresh start” in life. Hence, bankruptcy is essentially for the benefit of the debtor who can no longer pay for the debts that he/she owed

Who should file for Bankruptcy?

If you live in the United States, you can file bankruptcy under the U.S. Bankruptcy Code. This code was created to give everyone a chance to resolve debts and move forward.  Filing for bankruptcy can be a big decision, but for many people it’s the start to a new life. Bankruptcy laws are different in every state.

Stop Harassment from Creditors

Filing Bankruptcy will stop your creditors from being able to call you at home or work, send you letters or contact you in any way.  Bankruptcy was designed to stop foreclosures as well.  The automatic stay is a powerful court order that can be used to stop most forms of collection.

Medical Bills- Medical bills can be devastating, even for families with health insurance and emergency savings. But both personal bankruptcy chapters are designed to address medical bills, and may help you make a full financial recovery.

Wage garnishment - Wage garnishment can be difficult for a family already living on the edge. In some states, creditors may be able to access half of your paycheck. Fortunately, bankruptcy’s automatic stay directly addresses garnishment and will stop a garnishment that has already started or prevent one that is about to start.

Where to Go For Help

The average cost of filing for Bankruptcy is anywhere between $1200 – $2000 for your paperwork. You can also file Bankruptcy yourself; however, not having someone who can help explain what you are filling out can cost you time, money and aggravation. Platinum Agency LLC., has helped more than seven thousand families achieve a “Fresh Start” and can help you do the same easily and affordably.  Platinum Agency provides Bankruptcy services for only $299. Platinum Agency will make sure you have a chance to live a debt-free, stress-free Life.

If you have any questions or concerns or if you want to schedule your appointment today, call us at (410) 528-8868

Become Debt Free

Credit Repair is a legal way to remove incorrect, negative or outdated information from your credit report. Approximately 7 out of 10 Americans have inaccurate information on their credit report. Credit Repair is particularly useful for anyone who has filed for bankruptcy and wants to start the task of rebuilding their credit. Your credit score is a numerical summary of your credit report. Creditors and lenders can easily assess your credit risk to make a decision about extending a loan or credit card to you. Credit scores usually range from 300 – 850.

Your credit score plays in an important role in your ability to secure credit. Credit Repair can help you increase your credit score and get lower interest rates on your home and auto loans. There are several other parameters it takes into consideration which is purely mathematical calculation based on loan and debt history of the user.

There are several easy ways to fix your Credit Score. You can pay down your credit card balances. You can also pay off bills charged to your credit cards which will help your score. Check your credit limits and see how much you can actually spend. Lastly, if you’ve been a good customer for years, but had a rough patch and missed a payment – you might be able to ask your creditor to “erase” a negative listing.

Platinum Agency, Inc. can help you “Erase Bad Credit” for $299. Most people have incorrect or outdated information on their credit reports that they are not even aware of. We will pull a Credit Report for you from all (3) Credit Bureaus: Equifax, Experian and Trans Union. We will explain the entire report line by line. We will even provide you with and explain your credit score, which is how most credit grantors decide if you’re accepted and how much interest you will have to pay. We will also work with you to remove any wrong, or outdated information, for up to (1) year, helping you restore your good name.

If you have any questions or concerns or if you want to schedule your appointment today, call us at (410) 528-8868.

Filing for Divorce takes as little as ten minutes.

Divorces are filed around the clock, everyday. Not a lot of people know that it only takes them ten minutes of your time with very little paperwork involved. Is ten minutes of your time worth a fresh start?

Most people who have or are thinking about divorce consider it to be a bad thing. Some people stay in a marriage, afraid to file for a divorce because of the negative attention a divorce brings. One of the most common myth is that you need a lawyer to represent you, making the process seem more difficult than it has to be. Don’t let that scare you away. Divorce really isn’t all that complicated.

The divorce workbook is very simple and can be filled out in less than ten minutes. Once you filled out the paperwork, a third party service will type up the paperwork for you. Once you sign the paperwork, the third party source will send it to court to be filed. While you wait to hear from the court about your scheduled hearing date, the third party will help instruct you on how to serve the other party.

As we all know, the purpose of a divorce is to end a marriage. Once your paperwork is filed by the court, all property is considered “marital”. Such property as pensions, bank accounts, stocks and bonds and property brought into the marriage are temporarily held until the court date. Courts try to be fair to both parties and each party is responsible for making a full disclosure to the court and the other party of all assets and debts. Courts also try to be fair to both parties about custody about children and pets as well, giving both parties equal consideration.

Divorce is a simple and easy process that takes less than ten minutes of your time. Once filling out the workbook, it’s signed by you and filed by the courts. While waiting on a court date, you’re taught how to serve the other party, having the marital property held until a judge can properly dismiss assets and debts.

Have you been separated from your spouse for at least a year?  Platinum Agency, Inc. has a fast, easy and affordable program for helping you file for your divorce for $299.  Let Platinum Agency make your divorce proceedings as painless as possible.

If you have any questions or concerns or if you want to schedule your appointment today, call Platinum Agency at (410) 528-8868 and visit them at www.askplatinumagency.com

Millions of people everyday wish they could work for themselves, but they don’t know how. Incorporation can be the beginning of a brand new career and the start of a fresh new life.

Incorporation isn’t as difficult as people make it out to be.  Others believe that you have to have a lot of money and that you have to make ridiculous investments. Don’t let these negative beliefs stop you from your dream job. Incorporation is simple and easy.

In order to dispel these myths, you’d need to know what incorporation is. Incorporation is the forming of a new corporation.  Corporations often gain tax advantages, writing off such things as health insurance premiums, savings on self-employment, taxes and life insurance and make retirement a lot easier.

If you have ever thought about starting your own business now is a great time. Platinum Agency, Inc. can help you incorporate your business so that you can maximize all of benefits of being self employed for $299. We can help you no matter how you want to set up your business, whether it be sole proprietorship, partnership, corporation, limited liability corp., or a non-profit organization.We can help make your dreams come true.

If you have any questions or concerns or if you want to schedule your appointment today, call Platinum Agency at (410) 528-8868

A Living Trust is a legal instrument intended to ensure that a person’s property is dispersed according to his or her wishes upon death. Also, it is a legal document that describes which types of medical treatment you wish to receive, or not receive, should you become incapacitated through illness or injury.

What are the benefits of a Living Trust?

A Living Trust is valid in every state. A trust can also avoid the probate process, thus passing the assets more quickly and avoiding the time and expense usually occurring with probate. The trust can utilize federal estate tax exemptions allowed for both the husband and the wife, thus maximizing your unified credit. And lastly, Unlike a Will, a trust is a private document and is not generally public record.

Where to go to file a Living Trust?

Most Law firms will help you a Living Trust. They will charge anywhere between $500 to $2000 for your paperwork. You can also file a Living Trust yourself; however, not having someone who can help explain what you are filling out can cost you. Here at Platinum Agency LLC., we can easily and affordably help you file a Living Trust for $399.

The Agent determines the amount of power given to the attorney-in-fact, and this individual can be given the authority to deal with only one particular issue (a specific power of attorney), or to handle most of the principal’s personal and financial matters (a general power of attorney). Regardless of the type of power of attorney granted, the attorney-in-fact is responsible for keeping accurate records of all transactions that he or she makes on behalf of the principal. The attorney-in-fact also is responsible for distinguishing between the types of decisions he or she has the power to make and other decisions.

One of the most popular Power of Attorneys is called a “General” Power Of Attorney. A general power of attorney is very broad and provides extensive powers to the person or organization you appoint as your agent. This authorizes your Agent to act on your behalf in handling banking transactions, entering safety deposit boxes, buying and selling property, purchasing life insurance, settling claims, filing tax returns, and handling matters related to government benefits.

Another popular Power of Attorney is called a “Health” Power of Attorney. There are many advantages of having a ‘Health Care’ Power of Attorney. A Health Care Power of Attorney is a document that allows you to designate a person (an “Agent”) who will have the authority to make health care decisions on your behalf if you are unconscious, mentally incompetent, or otherwise unable to make such decisions. In many states you can also express your wishes regarding whether you wish to receive “life-sustaining procedures” if you become permanently comatose or terminally ill, in the Health Care Power of Attorney document.

A power of attorney must be signed by the person granting the authority to their “Principal”. The Principal must be mentally competent at the time of the signing in order to make the document legally binding. The signature on a power of attorney should also be notarized. Notarization makes it harder for someone to challenge the validity of the signature.

Platinum Agency LLC., can easily and affordably help you file a Power of attorney for only $99.  We can answer any questions or concerns that you have and are available for you to schedule an appointment today,

call (410) 528-8868.

Learn how to keep more of your hard earned money.

Tax Prep is a very common process and is filed every year. Not a lot of people understand the importance of tax prep, but this very common process can be the difference of you living a stress free life.

There are several different reasons why people don’t file their taxes. The most common reason is people don’t think they will get a tax return. In some cases, people think they won’t get a reasonable tax return. Another reason why people go through don’t file their taxes is because they know that their tax return will automatically be taken by the government. Don’t let these myths stop you from filing.

A person can have their taxes prepped in less than ten minutes. Once you have consulted with a financial services company, they will meet with you. You would give them your W-2’s and they would have you fill out the paperwork. The financial services company would then file your taxes for you and inform you on when to come in and pick up your tax return. It’s really simple and easy.

Tax Prep is a way to report your yearly wages. In the process, it will allow you to keep more of your hard earned money. A simple questionnaire helps you to recall all of the items that you are able to deduct during the year. Once you have consulted a financial services company and have fully completed the paperwork and have provided them with your W-2’s, you can have your taxes taken care of in less than ten minutes. The entire process is simple and completely stress free.

Platinum Agency, Inc. can help you maximize your tax return for $49. The can help you to keep more of your hard earned money. Platinum Agency helps put cash in your hands within hours of them electronically filing your taxes. Platinum Agency provides years of experience, helping you get the maximum tax return and the fastest refund.

If you have any questions or concerns or if you want to schedule your appointment today, call Platinum Agency at (410) 528-8868 and visit them at www.askplatinumagency.com

Answer: A document you prepare that states who inherits your property when you die.

2.  Question: Why would my loved ones have to go through “probate” if I have a Will?

Answer: “Probate” is the process whereby the court insures that your debts and taxes are paid, and that your property is distributed in accordance with your Will.  It is required by law that all “estates” (that is, the property left when someone dies) go through probate, supervised by the Register of Wills for the county in which the person lived.

3.  Question: What will happen to my children, if I die while my children are still minors (under the age of 18)?

Answer: If there is no surviving parent of the minor children, someone will need to be appointed by the court as their “guardian.”  You may recommend an individual to serve as guardian, in your Will.

4.  Question: What comes with your Living Trust package?

Answer: The Living Trust Document, a Pour over Will, Financial Power of Attorney and an Advanced Medical Directive

5.  Question: How does a Durable Power of Attorney work?

Answer: You can designate someone to act as your agent, to make financial and other decisions on your behalf in the event that you are not available or mentally competent to make the decisions.  The power of attorney is called “durable” because is remains valid even in the event of your mental incapacity (such as a coma, or alzheimers, etcetera).  Note, however, that a power of attorney always expires upon your death, and cannot lawfully be used after your death.

6.  Question: Why do I need a “quitclaim deed” in order to set up my Living Trust?

Answer: It is used to transfer real property (that is, land/houses) into the Trust.  After creating the Trust, you must still transfer your property into the Trust for it to be effective.  A quitclaim deed is one means of transferring real property into the Trust.

7.  Question:  What is a “Living Will”?

Answer: It is a document which expresses your desire to forego extraordinary medical procedures to keep you alive, in the event of terminal illness or long-term coma.  The more modern term for living will is “advance medical directive.”

8.  Question: Why would I want to avoid probate?

Answer: Probate can be costly, in terms of legal expenses.  Also, the process typically takes 8 months or longer before your property can be transferred to your loved ones.  In contrast, with a Living Trust your property is immediately available to your loved ones.

9.  Question: What is a Revocable Living Trust?

Answer: It is a legal “entity” that you create by a “declaration of trust,” that is separate from yourself and continues in existence after you die.  You put your property into the “Trust” and have control over it during your lifetime, because you are the “Trustee.”  After you die, a separate individual designated by you in the Trust document takes control of the property and distributes it according to the directions you provided in the Trust document.

10.  Question: When should I consider more than a Will for my estate planning needs?

Answer: If you wish for your heirs to have prompt access to your property and not to have to wait for the probate process to run its course, and if you wish to reduce legal fees to your estate, then you may wish to consider a Revocable Living Trust.