HOW TO MAKE YOURSELF JUDGMENT PROOF

We live in a "SUE-CRAZY" society.

HOW DO YOU PROTECT YOUR ASSETS from being grabbed by creditors, customers, patients, tenants, employees, IRS, or even your ex-spouse?

HOW DO YOU PROTECT YOURSELF as a homeowner, businessman, professional, landlord, doctor, investor, or even simply as a consumer?

NOW YOU CAN BUILD A FINANCIAL FORTRESS to protect your assets from the lawsuit epidemic.

Dear Friend,

We've all seen these headlines:

"Jurors Award $9.7 Million in Battery Blast"
" I'll Sue. That's What I'll Do."
"Boy, 7, sued when he rode bike into street causing truck driver to swerve"
"Landlord Assessed $1 Million in Damages"
"Mother sued for $400,000 in unpaid bills for son who died waiting for liver transplant"
"$1 Million award for Bee Sting"
"Chef sues in Attack by Goose"

Some of these stories may appear bizarre, even amusing. But make no mistake. If you happen to be at the receiving end, they could prove deadly. Litigation in America is serious stuff.
A lawsuit from a totally unexpected source can wipe out everything you have worked so hard to accumulate. In one big fell swoop, your lifetime savings could become prey to a judgment creditor and his gold-digging attorney. To help you insulate your assets from lawsuits, lawyers and other liabilities, weÆve put together the Lawsuit and Asset Protection Kit (1995). It shows you all the legal ways you can protect your home, automobile, bank accounts, precious investments and even your business from the hands of a judgment creditor, tax man or lawyer. It is the most comprehensive guide with actual examples, strategies, ready-to-use forms and step-by-step instructions to help you obtain the maximum protection under the law.
With the help of the Kit, perhaps youÆll be able to sleep a little easier. Maybe youÆll have the peace of mind that your hard-earned assets wonÆt be seized to satisfy a judgment.

Ownership of Property
Whats the best way to hold title to your home or other assets?

ò Joint tenancy, tenancy by the entirety, community property. The way you own a property will determine whether a creditor or IRS can seize it. Also, it determines whether you pay a whopping tax or pay nothing. See Ch. 1 and 2.

ò How to avoid joint liability on your spouseÆs debts. See P. 23.

ò Protecting jointly-held property from creditors. See P. 6-12. Protecting community property, see P. 17-25. State-by-state analysis, P. 26-33.

ò Business owners. Seven-point check list to limit your legal exposure and liability.

ò "Secret" to protection of assets in a revocable living trust. See P. 296.

ò Professionals (doctors, lawyers), businessmen and property owners. You are on a ôhot listö for lawsuits. Easy money for lawyers. Do not miss Ch. 30.

ò Exempt property. In every state, the law gives you a right to insulate certain property from attachment by a judgment creditor. WhatÆs an exempt property? How do you assert your right to exemption? How could you lose this exemption? See Ch. 11.

ò First line of defense for a businessman. Steps every businessman must take to protect his personal assets. See P. 146. For a sample form, see P. 165.

Family Limited Partnership
According to some experts, this may be one of the most important, but least known, vehicles available to you to protect your assets against a judgment creditor.

ò Family limited partnership. A unique asset protection device, very little understood by most attorneys or financial planners. If done correctly, a creditor of an individual partner may be completely thwarted from attaching partnership property. How to use it to protect the breadwinner in the family from ruinous lawsuits or crippling judgments. See P. 229.

ò John and Mary Smith own several parcels of real property, mainly apartment buildings, worth several million dollars. They form a family partnership between themselves and their two children. Benefits: Protection of the estate for the family and substantial tax savings. See P. 220.

ò How to protect yourself after a lawsuit is threatened or commences against you.

ò Four major advantages of family partnership. See P. 217. Helpful hints in forming a family partnership. See P. 225. For an actual form, see P. 241. Eight essential features on P. 342.

ò Trusts can protect your assets, save on taxes and provide security for your family. Living trust, P. 293. Irrevocable trusts, P. 259. Insurance trust as asset protection device, P. 283. Business trusts. P. 297.

ò IRAs, Keoghs and other pension plans. How safe is the money youÆve been putting away in a pension plan for your retirement from the hands of a judgment creditor? Surprisingly, the answer would depend upon whether you intend to file for bankruptcy. See P. 330.

ò More than any other kind of debt, debts incurred for medical services are probably the most debilitating to anyoneÆs financial well-being. Medical debts are the leading cause of personal bankruptcies and home foreclosures. How do you defend yourself if you find yourself in such a predicament? See P. 57.

ò Transferring assets to family members or friends to put them out of reach of creditors. Good idea? How can you avoid falling into this trap? See Ch. 12. Avoid fraudulent transfers, P. 127.

ò How to protect yourself as a judgment creditor. See P. 88. Ten ways to locate a missing debtor. P. 87. How to get strangers to help you, P. 86.

ò Life insurance. How safe is it from the reach of a creditor? See P. 105-130.

ò Answer to litigation explosion: Buy more business liability or professional malpractice insurance? Of course, not. We show you six practical, proven alternatives.

ò HomeownerÆs first line of defense. How you might be able to protect your home from the claims of most judgment creditors. See P. 8 and 104.

ò Generally, when we speak of protecting your assets we speak in terms of protecting them from potential litigants and judgment creditors. But believe it or not, marriage (and divorce) can deal a bigger blow to your financial security. This may or may not apply to you, but the Lawsuit and Asset Protection Kit shows you how to protect your assets before marriage, during marriage and after marriage. See P. 303-319. Actual forms provided.

ò Five sure-fire strategies to keep bill collectors at bay. All without going to court. P. 64-71. Six legal remedies against abusive debt collectors. See P. 74.

ò Judgment creditors. Collect the debt owed to you. Step-by-step instructions with sample forms and little-known ôtrade secrets.ö P. 81-101.

ò Safeguarding your assets from malpractice or tort claims. Advice from leading attorneys. See Ch. 30.


P.S. Most people wait till they have legal problems before starting to put their affairs in order. More often than not, itÆs too late by then. But this need not happen to you. With the help of the Lawsuit and Asset Protection Kit (1995), you can insulate your assets long before the first sign of trouble appears.

To order print the order form out and mail in with payment.

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