Legally Easy is a free source of legal help, news and information from Charley Moore and the legal team at RocketLawyer.com. Rocket Lawyer is the easiest way to make a legal document, find a lawyer and get free legal advice for yourself and your business.
Property owner and landlord toolkit for a tough economy.
If you are a property owner or property manager you already know that economic conditions are difficult for landlords. Here is a list of legal documents that can help landlords to protect themselves and their property against late rent, failure of tenants to pay rent altogether and other pitfalls of the slow economy.
Have every tenant sign a lease that has the protections landlords need. A good lease should provide for landlord entry to the premises, clear due dates for rent payments and clear and lawful penalties for failure of the tenant to adhere to the terms of the lease. Most of the up front work for a good lease can be done by the landlord; however, it is a good idea to engage a real estate attorney to help you when you need it.
You can find good sample lease legal forms here, that will create the obligations on the part of the tenant that you need to protect yourself as the property owner.
If a tenant pays the rent late, send a late rent notice like this one to the tenant to demand that the rent be paid, along with any late fees or other penalties provided by the lease agreement. Keep a record of all late notices. A good way to do that is by keeping all of your legal documents stored in the Rocket Lawyer File SafekeeperTM
Understanding the Wall Street Bailout Plan, aka the Emergency Economic Stabilization Act of 2008
Today, the U.S. House of Representatives issued a draft of the rescue plan intended to restore stability to American financial markets.
The plan is expected to be debated in the House of Representatives on Monday. If passed in the House, the bill will be considered and potentially passed by the Senate as early as Wednesday and available for the President's signature to become law shortly thereafter.
A summary of plan is reprinted below. You can download a full version here: /bailout-bill.pdf
Speaker Pelosi on the financial rescue legislation:
According to The Swamp, here is a section by section analysis of the provisions of the Emergency Economic Stabilization Act of 2008, aka the Wall Street Bailout legislation:
Section 1. Short Title. "Emergency Economic Stabilization Act of 2008."
Section 2. Purposes. Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans.
Section 3. Definitions. Contains various definitions used under this Act.
Title I. Troubled Assets Relief Program.
Section 101. Purchases of Troubled Assets. Authorizes the Secretary to establish a Troubled Asset Relief Program ("TARP") to purchase troubled assets from financial institutions. Establishes an Office of Financial Stability within the Treasury Department to implement the TARP in consultation with the Board of Governors of the Federal Reserve System, the FDIC, the Comptroller of the Currency, the Director of the Office of Thrift Supervision and the Secretary of Housing and Urban Development.
Requires the Treasury Secretary to establish guidelines and policies to carry out the purposes of this Act. Includes provisions to prevent unjust enrichment by participants of the program.
Section 102. Insurance of Troubled Assets. If the Secretary establishes the TARP program, the Secretary is required to establish a program to guarantee troubled assets of financial institutions.
The Secretary is required to establish risk-based premiums for such guarantees sufficient to cover anticipated claims. The Secretary must report to Congress on the establishment of the guarantee program.
Section 103. Considerations. In using authority under this Act, the Treasury Secretary is required to take a number of considerations into account, including the interests of taxpayers, minimizing the impact on the national debt, providing stability to the financial markets, preserving home ownership, the needs of all financial institutions regardless of size or other characteristics, and the needs of local communities. Requires the Secretary to examine the long-term viability of an institution in determining whether to directly purchase assets under the TARP.
Section 104. Financial Stability Oversight Board. This section establishes the Financial Stability Oversight Board to review and make recommendations regarding the exercise of authority under this Act. In addition, the Board must ensure that the policies implemented by the Secretary protect taxpayers, are in the economic interests of the United States, and are in accordance with this Act.
The Board is comprised of the Chairman of the Board of Governors of the Federal Reserve System, the Secretary of the Treasury, the Director of the Federal Home Finance Agency, the Chairman of the Securities and Exchange Commission and the Secretary of the Department of Housing and Urban Development.
Section 105. Reports. Monthly Reports: Within 60 days of the first exercise of authority under this Act and every month thereafter, the Secretary is required to report to Congress its activities under TARP, including detailed financial statements.
Tranche Reports: For every $50 billion in assets purchased, the Secretary is required to report to Congress a detailed description of all transactions, a description of the pricing mechanisms used, and justifications for the financial terms of such transactions.
Regulatory Modernization Report: Prior to April 30, 2009, the Secretary is required to submit a report to Congress on the current state of the financial markets, the effectiveness of the financial regulatory system, and to provide any recommendations.
Section 106. Rights; Management; Sale of Troubled Assets; Revenues and Sale Proceeds. Establishes the right of the Secretary to exercise authorities under this Act at any time. Provides the Secretary with the authority to manage troubled assets, including the ability to determine the terms and conditions associated with the disposition of troubled assets. Requires profits from the sale of troubled assets to be used to pay down the national debt.
Section 107. Contracting Procedures. Allows the Secretary to waive provisions of the Federal Acquisition Regulation where compelling circumstances make compliance contrary to the public interest. Such waivers must be reported to Congress within 7 days. If provisions related to minority contracting are waived, the Secretary must develop alternate procedures to ensure the inclusion of minority contractors.
Allows the FDIC to be selected as an asset manager for residential mortgage loans and mortgage-backed securities.
Section 108. Conflicts of Interest. The Secretary is required to issue regulations or guidelines to manage or prohibit conflicts of interest in the administration of the program.
Section 109. Foreclosure Mitigation Efforts. For mortgages and mortgage-backed securities acquired through TARP, the Secretary must implement a plan to mitigate foreclosures and to encourage servicers of mortgages to modify loans through Hope for Homeowners and other programs. Allows the Secretary to use loan guarantees and credit enhancement to avoid foreclosures. Requires the Secretary to coordinate with other federal entities that hold troubled assets in order to identify opportunities to modify loans, considering net present value to the taxpayer.
Section 110. Assistance to Homeowners. Requires federal entities that hold mortgages and mortgage-backed securities, including the Federal Housing Finance Agency, the FDIC, and the Federal Reserve to develop plans to minimize foreclosures. Requires federal entities to work with servicers to encourage loan modifications, considering net present value to the taxpayer.
Section 111. Executive Compensation and Corporate Governance. Provides that Treasury will promulgate executive compensation rules governing financial institutions that sell it troubled assets. Where Treasury buys assets directly, the institution must observe standards limiting incentives, allowing clawback and prohibiting golden parachutes. When Treasury buys assets at auction, an institution that has sold more than $300 million in assets is subject to additional taxes, including a 20% excise tax on golden parachute payments triggered by events other than retirement, and tax deduction limits for compensation limits above $500,000.
Section 112. Coordination With Foreign Authorities and Central Banks. Requires the Secretary to coordinate with foreign authorities and central banks to establish programs similar to TARP.
Section 113. Minimization of Long-Term Costs and Maximization of Benefits for Taxpayers. In order to cover losses and administrative costs, as well as to allow taxpayers to share in equity appreciation, requires that the Treasury receive non-voting warrants from participating financial institutions.
Section 114. Market Transparency. 48-hour Reporting Requirement: The Secretary is required, within 2 business days of exercising authority under this Act, to publicly disclose the details of any transaction.
Section 115. Graduated Authorization to Purchase. Authorizes the full $700 billion as requested by the Treasury Secretary for implementation of TARP. Allows the Secretary to immediately use up to $250 billion in authority under this Act. Upon a Presidential certification of need, the Secretary may access an additional $100 billion. The final $350 billion may be accessed if the President transmits a written report to Congress requesting such authority. The Secretary may use this additional authority unless within 15 days Congress passes a joint resolution of disapproval which may be considered on an expedited basis.
Section 116. Oversight and Audits. Requires the Comptroller General of the United States to conduct ongoing oversight of the activities and performance of TARP, and to report every 60 days to Congress. The Comptroller General is required to conduct an annual audit of TARP. In addition, TARP is required to establish and maintain an effective system of internal controls.
Section 117. Study and Report on Margin Authority. Directs the Comptroller General to conduct a study and report back to Congress on the role in which leverage and sudden deleveraging of financial institutions was a factor behind the current financial crisis.
Section 118. Funding. Provides for the authorization and appropriation of funds consistent with Section 115.
Section 119. Judicial Review and Related Matters.
Provides standards for judicial review, including injunctive and other relief, to ensure that the actions of the Secretary are not arbitrary, capricious, or not in accordance with law.
Section 120. Termination of Authority. Provides that the authorities to purchase and guarantee assets terminate on December 31, 2009. The Secretary may extend the authority for an additional year upon certification of need to Congress.
Section 121. Special Inspector General for the Troubled Asset Relief Program. Establishes the Office of the Special Inspector General for the Troubled Asset Relief Program to conduct, supervise, and coordinate audits and investigations of the actions undertaken by the Secretary under this Act. The Special Inspector General is required to submit a quarterly report to Congress summarizing its activities and the activities of the Secretary under this Act.
Section 122. Increase in the Statutory Limit on the Public Debt. Raises the debt ceiling from $10 trillion to $11.3 trillion.
Section 123. Credit Reform. Details the manner in which the legislation will be treated for budgetary purposes under the
Federal Credit Reform Act.
Section 124. Hope for Homeowners Amendments. Strengthens the Hope for Homeowners program to increase eligibility and improve the tools available to prevent foreclosures.
Section 125. Congressional Oversight Panel. Establishes a Congressional Oversight Panel to review the state of the financial markets, the regulatory system, and the use of authority under TARP. The panel is required to report to Congress every 30 days and to submit a special report on regulatory reform prior to January 20, 2009. The panel will consist of 5 outside experts appointed by the House and Senate Minority and Majority leadership.
Section 126. FDIC Enforcement Enhancement. Prohibits the misuse of the FDIC logo and name to falsely represent that deposits are insured. Strengthens enforcement by appropriate federal banking agencies, and allows the FDIC to take enforcement action against any person or institution where the banking agency has not acted.
Section 127. Cooperation With the FBI. Requires any federal financial regulatory agency to cooperate with the FBI and other law enforcement agencies investigating fraud, misrepresentation, and malfeasance with respect to development, advertising, and sale of financial products.
Section 128. Acceleration of Effective Date. Provides the Federal Reserve with the ability to pay interest on reserves.
Section 129. Disclosures on Exercise of Loan Authority. Requires the Federal Reserve to provide a detailed report to Congress, in an expedited manner, upon the use of its emergency lending authority under Section 13(3) of the Federal Reserve Act.
Section 130. Technical Corrections. Makes technical corrections to the Truth in Lending Act.
Section 131. Exchange Stabilization Fund Reimbursement. Protects the Exchange Stabilization Fund from incurring any losses due to the temporary money market mutual fund guarantee by requiring the program created in this Act to reimburse the Fund. Prohibits any future use of the Fund for any guarantee program for the money market mutual fund industry.
Section 132. Authority to Suspend Mark-to-Market Accounting. Restates the Securities and Exchange Commission's authority to suspend the application of Statement Number 157 of the Financial Accounting Standards Board if the SEC determines that it is in the public interest and protects investors.
Section 133. Study on Mark-to-Market Accounting. Requires the SEC, in consultation with the Federal Reserve and the Treasury, to conduct a study on mark-to-market accounting standards as provided in FAS 157, including its effects on balance sheets, impact on the quality of financial information, and other matters, and to report to Congress within 90 days on its findings.
Section 134. Recoupment. Requires that in 5 years, the President submit to the Congress a proposal that recoups from the financial industry any projected losses to the taxpayer.
Section 135. Preservation of Authority. Clarifies that nothing in this Act shall limit the authority of the Secretary or the Federal Reserve under any other provision of law.
Title II--Budget-Related Provisions
Section 201. Information for Congressional Support Agencies. Requires that information used by the Treasury Secretary in connection with activities under this Act be made available to CBO and JCT.
Section 202. Reports by the Office of Management and Budget and the Congressional Budget Office. Requires CBO and OMB to report cost estimates and related information to Congress and the President regarding the authorities that the Secretary of the Treasury has exercised under the Act.
Section 203. Analysis in President's Budget. Requires that the President include in his annual budget submission to the Congress certain analyses and estimates relating to costs incurred as a result of the Act; and
Section 204. Emergency Treatment. Specifies scoring of the Act for purposes of budget enforcement.
Title III--Tax Provisions
Section 301. Gain or Loss From Sale or Exchange of Certain Preferred Stock. Details certain changes in the tax treatment of losses on the preferred stock of certain GSEs for financial institutions.
Section 302. Special Rules for Tax Treatment of Executive Compensation of Employers Participating in the Troubled Assets Relief Program. Applies limits on executive compensation and golden parachutes for certain executives of employers who participate in the auction program.
Section 303. Extension of Exclusion of Income From Discharge of Qualified Principal Residence Indebtedness. Extends current law tax forgiveness on the cancellation of mortgage debt.
How do you contact your local, state and federal government? While the political season brings a lot of attention to government, most people and businesses have every day reasons to interact with their local, state and federal agencies. Here are some tips and sites that can help you contact your government.
RocketLawyer.com's Free Legal Help centers can guide you to many government resources. The Federal Law Legal Help center has links to USA.gov and popular federal agencies. USA.gov has frequently asked questions (FAQs) and links to help you contact your federal elected officials. State Law Legal Help center has a listing of all fifty state government web sites and convenient links to state and local government resources. RocketLawyer.com also offers many free form letters for various government-related correspondence.
If you want a template to help you draft your own letter to a government official, you can use the Rocket Lawyer legal document interview to make a custom letter and send it via U.S. Mail, email or directly online, using one of the web sites noted in this article.
Here's a photo we took during the Democratic convention in Denver. Governor Janet Napolitano of Arizona is discussing clean energy initiatives. Get involved. Remember, your government is supposed to work for YOU!
Senator Obama proposes eliminating the capital gains tax on Small Business
From the Democratic National Convention...Part I
Note: RocketLawyer.com's Legally Easy blog is covering both political parties and their proposals for small business and consumer legal policy.
One of the interesting lines in Senator Obama's acceptance speech was his reference to eliminating the capital gains tax on Small Business. Generally, we like any legislation that helps people start businesses and run them profitably.
So, what would the Obama proposal change?
Currently, according to IRS.gov, "The taxable part of a gain from qualified small business stock is taxed at a maximum 28% rate."
Stay tuned for more on the subject of small business taxes, employee legal issues and starting a business.
If you are looking for an easy way to incorporate your business as a corporation or by forming an LLC, try Rocket Lawyer.com's Easy Incorporation Service.
Incorporating Yourself Can be Easy and Inexpensive
Do you run a small business, partnership or non-profit activity? If you are operating as a sole proprietorship, without the protection of a legal entity, you should consider limiting your liability and risk by incorporating. Incorporation is now easy and inexpensive and you can do it yourself!
Operating a home based business or non-profit activity has many virtues. You can set your own hours, and you can avoid the hassles of commuting by working where you live. Using the Internet, you can serve your customers and clients any where in the world, without an expensive office.
Did you know, however, that if you are operating as a sole proprietorship, a dba, or in an otherwise non-incorporated status, you are risking significant liability that could include claims against your home and your other personal assets? Also, if you want to apply for business loans, or add partners, investors and employees, you should consider incorporation to form a legal company.
Incorporation is easy, if you use a service like RocketLawyer.com to help you incorporate yourself and save. You simply need to:
Select the form of organization. The following organizational forms may be chosen Pick the one that is right for your business or activity:
Corporation. A corporation is considered a "legal personality" and, when properly formed and administrated, provides limited liability to the owners. Corporations are taxed independently of the owners, creating the "double taxation" situation that business owners can seek to avoid with another form of organization, such as a Subchapter S-Corporation, an LLC or a Limited Partnership.
Subchapter S-Corporation. An S-Corp for federal income tax purposes is a corporation that elects in a valid filing, to be taxed pursuant to Subchapter S of Chapter 1 of the Internal Revenue Service (IRS) code. In the S-Corp context, the corporation does not pay taxes, but, instead the taxes of the corporation are allocated to the owners personally.
Limited Liability Company (LLC). A limited liability company is a business entity that combines features of both a corporation and a partnership. It is considered by many experts to be more flexible and a better fit for small companies than a corporation. An LLC can provide both limited liability and pass-through taxation, so that the owners can "pass-through" business profit and loss to their personal tax returns, avoiding the "double taxation" of a corporation.
Limited Partnership. In a partnership, the owners (partners) share the profits or losses of the business with each other. However, the partners may be held personally liable for the actions of the partnership to a greater extent than for a corporation or LLC.
Non Profit Corporation. A non profit entity is an incorporated organization that is not obligated to pay taxes, by statute, because it is, by its organization, not intended to provide a profit to its owners or members.
Enter the basic organizational information like owners' name(s), address, etc.
Once you have filled out the simple form to set up your new company, Rocket Lawyer's Easy Legal CareTM service gives you everything you need to create corporate minutes, and hundreds of legal agreements to keep the legal side of your business operating smoothly.
New Law Alert: HOPE for Homeowners - Housing and Foreclosure Relief Bill Becomes Law
If you are one of the many homeowners looking for help, the new housing relief bill may provide mortgage relief that can help you avoid foreclosure. So, how do you apply for help under the new HOPE for Homeowners housing and foreclosure assistance law?
The housing relief bill almost certainly is the most robust housing legislation in decades, enabling homeowners who need help with their mortgage payments to refinance into more affordable loans, backed by the government. By taking advantage of this relief, many homeowners should be able to keep their homes.
According to Courant.com, "The program could help as many as 400,000 homeowners acrossthe country facing foreclosure. HOPE for Homeowners is voluntary, however, and both lender and borrower must agree to participate."
The HOPE for Homeowners program begins October 1 and the rules and procedures for implementing the bill are being written now. It will be administered by the Federal Housing Administration (FHA).
RocketLawyer.com will keep you informed as details of the foreclosure relief bill become clear.
Lexis-Nexis teams with RocketLawyer.com for easy online legal services!
Lawyers.comsm adds “do it yourself” options for common legal issues
Addition is one element of the new, interactive Lawyers.com legal community site
New York, NY – July 23, 2008 – LexisNexis announced today that Lawyers.comsm, the leading online resource for consumers and small business professionals to find an attorney and legal information, has added access to a comprehensive legal document service that combines “do it yourself” legal forms with online legal document review by real lawyers.
The additions come as part of a larger transformation of Lawyers.com by LexisNexis® Martindale-Hubbell® that includes implementation of a variety of new interactive features.
One of the key new capabilities is the Legal Document Services provided by RocketLawyer.com™. This set of services now enable users of Lawyers.com to save time by creating legal documents themselves, as well as accessing fast, affordable legal help online right when needed from Lawyers.com member attorneys.
“Today, more consumers and small business professionals use the web to research legal issues before contacting a lawyer, and with the right tools and services they can often handle simple legal matters on their own,” said Sharon Lubrano, vice-president of Client Development at LexisNexis. “The addition of services from RocketLawyer.com offers Lawyers.com visitors user-friendly online resources so they can act faster and more efficiently on common legal matters. And, they can find and connect with one of more than a million lawyers represented at Lawyers.com via the same, easy to use interface.”
“We’re gratified to provide Lawyers.com users with easy and affordable online legal document services,” added Charley Moore, Founder of RocketLawyer.com. He continued. “Combining our easy online legal documents and our patent-pending “Click-through Legal Review” by real attorneys, with Lawyers.com, now gives Web users everything they need to take control of their legal matters.”
More than just a legal forms site, RocketLawyer.com makes it easy to complete many personal and business legal matters at Lawyers.com. For example, individuals can use the service to set up a last will and testament, create a living will, produce a bill of sale, designate power of attorney and much more. Business can use the service to manage processes such as setting up non-disclosure forms, creating service contracts and employee agreements, producing real estate leases, creating licensing agreements and more.
All of this is accomplished via a powerful set of integrated services, including:
Interactive Legal Forms and Interviews. Users answer a few simple questions and create complete legal documents in minutes. These documents are ready immediately and available anywhere with Web access.
Document Collaboration and Sharing. Users can share documents and collaborate with family, legal counsel and other parties.
Click-Through Legal Review™. Users can access a network of attorneys who can review legal documents online for professional help.
Safe, Secure Online Document Vault. Users get peace of mind by backing up their important papers with FileSafekeeper™.
E-Signatures. Users save time and paper by signing legal documents electronically via a computer, cell phone or PDA.
In addition to new capabilities from RocketLawyer.com, Lawyers.com has expanded its vast database of practice area articles and information for consumers and small business professionals to include:
Life Changing Events – Helpful information on legal issues that arise in most peoples’ lives, such as divorce, starting a business, creating a will and more.
Community and Interactive Features – Interact with lawyers through community message boards, “Ask A Lawyer,” scheduled online sessions to discuss specific legal issues, and more.
Videos - Clips from experts on common legal issues
Blogs – Attorney insights on current key legal issues and trends
On the Docket – Read questions other consumers and small businesses are asking and benefit from the answers
“All of these new elements are great examples of the ongoing transformation of Lawyers.com from a large and useful online directory into an interactive online community where individuals and small businesses can find, discuss, learn and take action on legal issues that matter to them,” said Lubrano.
For more information, contact:
Yolanse Lau Marketing Manager RocketLawyer.com marketingmgr@rocketlawyer.com 415.738.6337
Personal and business credit, including rising bankruptcy filings are in the news almost daily. If you are looking for ways to understand your credit and possible legal solutions, like bankruptcy, RocketLawyer.com can be a good place to start. This article describes a few of the personal and business credit and bankruptcy resources you can find from Rocket Lawyer.
Denials of Credit and Credit Repair Help
There are several legal documents to help you if you have been denied credit. They include the following: Challenge to Denial of Credit Form, Request a Positive Report Form and the Credit Report Request Form. Also, in partnership with TrueCredit by TransUnion, every Rocket Lawyer Member can access their credit report by establishing a TrueCredit account directly linked from their Rocket Lawyer MyAccount page. TrueCredit can help you monitor your credit and provides lots of helpful tips about how to improve your credit rating with all three credit information agencies.
Bankruptcy Legal Help
The RocketLawyer.com Bankruptcy Worksheet is a good place to start for anyone considering the legal issues surrounding personal or business bankruptcy. The Bankruptcy Worksheet will help you organize and understand your personal financial situation and gather the information that you should have available for your attorney for a pre-bankruptcy consultation. The Bankruptcy Worksheet can also provide the basic information about how to file for bankruptcy, step by step.
Find a Lawyer to help with Credit and Bankruptcy Matters
The free Rocket Lawyer legal directory contains profiles of attorneys in every state who can assist with a variety of legal matters, including credit and bankruptcy legal information and filings. Click here to find a lawyer in your state.
New Law Alert: California Supreme Court Approves Same-Sex Marriage
In a 4-3 ruling, the California State Supreme Court has made California the second state (following Massachusets) to rule that same-sex couples have a constitutional right to marry.
What does this ruling change for gays and lesbians?
Married couples have several rights and protections that are not recognized for most domestic partner-type arrangements. For example, as reported in the San Francisco Chronicle, domestic partners can be denied certain benefits of marriage under federal law, such as filing joint federal tax returns, social security survivor's benefits and immigration sponsorship rights.
Prenuptial Agreement arrangements and Estate Planning are major considerations for any married couple and these issues will now be the substantially the same for homosexual couples as for heterosexual married people.
RocketLawyer.com recommends that all persons considering marriage think about a Prenuptial Agreement, which will help avoid economic problems in the event of a divorce. Once married, couples should ensure that they have at least three basic legal documents for themselves and their spouse: a Living Will, a Durable Power of Attorney and a Last Will and Testament.
If you are unsure about the legal documents you need, the RocketLawyer.com Free Legal Care Check-Up is always a good place to start.
For more information about the California Supreme Court same-sex marriage ruling, here is Attorney Gloria Allred.
One of the best kept secrets in a world of televised celebrity lawyers in expensive suits is that there are thousands of affordable real lawyers here to help you with your legal questions and issues.While celebrity attorneys may offer general information on TV and on the radio, real people have real questions that are specific to their lives and business matters that don’t fit into neatly canned answers.Real people also have personal and business legal documents that they need a real lawyer to review, revise and complete at a reasonable price.
Until now, these real people with their real legal documents would need to find a lawyer, go to the lawyer’s office (an office that costs money that results in higher legal bills for the client), pay for copies, mail, fax and other expenses, and then wait for the legal document, such as a legal will, a power of attorney, a lease or a business contract, to be finished, often after several weeks.Alternatively, a real person might try a web site that offers do it yourself legal forms.Most of these sites seem to offer nothing more than a downloadable PDF or word processor document, with little legal help and legal information.Other sites might have fill-in worksheets for legal documents and then require the person to wait for the document to be completed offline and mailed to them later.In either scenario, the real person is often left back where they started – needing affordable legal help and not being able to find it.
But wait – there is finally a better way, a way to have the best of both worlds – do it yourself legal documents, plus legal help and legal document review by real lawyers online!RocketLawyer.com offers both easy to use interactive free legal documents that real people can complete as well as click-through legal review by real lawyers.Now, a real person can fill in as much or as little of their legal documents as they feel comfortable with and then find a lawyer to help them online – without the need to visit a lawyer’s office or wait for the mail to complete the legal document.
If you are a lawyer, and you would like to join the growing RocketLawyer.com virtual law office network to begin offering your services online, just start here – and, best of all, it’s completely free for join the network and get a free professional profile here!
Our featured Bankruptcy Lawyer for this issue is 
