Tips about Trusts That Could Save You Tax Money

Tuesday, January 27, 2015

United States tax code is very complex, that is a given, and the Internal Revenue Service doesn’t make things any easier.  Title 26 of the code may be used to achieve tax savings, yet it is complicated.  The code is divided into income tax categories such as employment taxes and estate or gift.  Paid tax preparers are aware that these categories have different purposes for income tax and for estate or gifts. Tax preparers need to determine if these rules can used for tax savings.  Many wealthy families use a type of trust to manipulate these rules in order to help decrease the liability paid for estate/gift taxes if assets are shifted. In this case parents can provide a gift to their children for the purpose of estate/gift taxes even though, for income taxes, they are still viewed as the owners.  To complete a gift this way for estate/gift taxes instead of shifting assets due to a death, will reduce the value that the tax is imposed compared to the estate tax that would be imposed at death.  Tax experts know this as an “estate freeze”, or an Intentionally Defective Grantor trust (IDGT), and is used to reduce taxes significantly.  

There is an additional benefit to the estate freeze.  It allows the parents to pay the income tax associated with the estate/gift which would decrease the value they are responsible to pay taxes on, thereby reducing their tax liability. 

Another type of trust that is similar to the IDGT is known as an ING, or an Incomplete-Gift Non-Grantor trust which is the opposite of what an IDGT does.  With an ING, the purpose to reduce income taxes, and it’s not necessarily of estate taxes.  Usually, the parents would be the beneficiaries of an ING trust.  An ING trust is a great tool for parents with assets that they want to keep, such as investment income or capital gains.  With an ING trust, for income tax purposes, the parents won’t be the owners of the assets.   Taxation lawyers say that using ING trusts is legal. The IRS recognizes the trust structure in a 2001 ruling and there have been many cases in tax court that affirm the trust structure

As you can see, the U.S. tax code is very complicated.  Should you have any issues with the IRS regarding the tax code, then contact the Strategic Tax Lawyers, LLP.  The Strategic Tax Lawyers are professional taxation lawyers with years of experience in tax-related and IRS issues.  The taxation lawyers can help you with any tax issues you may have.  For a free consultation with a taxation lawyer to assist you with your tax-related issues contact the Strategic Tax Lawyers at (800) 669-4775.

Falsifying Tax Returns Costs The IRS Over $5 million

Tuesday, January 27, 2015

IRS tax attorneys want to remind all taxpayers and tax preparers that tax fraud is a federal crime that is punishable by law.  There are serious and expensive consequences to cheating the Internal Revenue Service (IRS) and it is hard to get away with tax crimes.  Eventually it will come back to haunt you.  The IRS has audit computers, say IRS tax attorneys and there are Whistleblower programs that are very good in helping to reveal tax fraud.  More moderate tax fraud or falsified tax returns  can be hidden from the IRS for a short time, but it is very common to get caught.  If you file a fraudulent tax return or purposely falsify information, it could result in monetary fines from $5,000 to $250,000 for taxpayers or $500,000 for corporations.  This is in addition to prison time of up to 3 years for tax fraud. 

The IRS is fair in its process and will not accuse a responsible tax payers, unless they have concrete facts. In general, the IRS believes that most tax preparers and taxpayers are honest, yet others file fraudulent returns in homes to get away with cheating the United States government.   IRS tax attorneys agree that the IRS must prove that you are guilty of filing a falsified federal income tax return.  Basically, a taxpayer or a paid tax preparer has to deliberately and consciously lie on your tax return and other tax forms.  For example, some fraudulent actions include changing your income or leaving income information off of the tax return. 

Just the other day, a paid tax preparer, Jeffrey Shelby Jr. in Joliet, Illinois pleaded guilty for falsifying and filing hundreds of tax returns on behalf of his clients, costing the IRS more than $5.3 million.  Shelby is guilty of assisting to prepare falsified tax returns from 2009 to 2012 at his own tax business, which is based on information from the U.S. Attorney’s office.  Shelby has admitted that he filed hundreds of fraudulent tax returns for his clients in order to reduce their tax liability as well as increase his client’s tax refunds.  He has admitted to misrepresenting and overstating his client’s eligibility to claim credits, increasing amounts of charity gifts, falsifying business income, falsifying deductions and expenses.  It was determined that Shelby has cheated the IRS of approximately $5.3 million in tax money.  This will cause Shelby to face a prison sentence of up to three years, as well as a penalty of $250,000 for each of the counts he is guilty of.

If the IRS has charged you or someone you know with tax fraud, you need to hire a tax attorney immediately.  This can be a difficult process, but the Strategic Tax Lawyers, LLP are professional taxation attorneys with years of experience in tax-related and IRS issues.  They are here to help you with any tax issues you may have.  For a free consultation to assist you with your tax-related issues contact the Strategic Tax Lawyers at (800) 669-4775.

Taxation Attorneys - Will 2015 Be the Worst Tax Season In Years

Friday, January 23, 2015
Tax analysts and taxation attorneys are saying that the 2015 tax season just may be one of the worst in years, not only for taxpayers but also for the Internal Revenue Service (IRS).  Why you may ask? Well, it starts with the budget of the IRS getting reduced each year and the complication of the tax codes each year.  Taxation attorneys are saying that this could be as bad as in 1985 which was terrible due to computer glitches causing the tax returns to be lost and delayed.

Over the last five years, Congress has reduced the IRS budget.  However, simultaneously, Congress is requiring the IRS to incorporate tax laws that are more complex than ever.  This year, the IRS has a budget that is 10% less than it five years ago in 2010.  Yet this does not even include any cost increases that we have incurred since 2010.  To make matters even bleaker for the IRS is the number of IRS staff that has been reduced by nearly 8% and the training budget for IRS staff has been reduced by over 85%.  And don’t forget about the growing number of taxpayers which is now close to 7 million.

So what’s the solution?  Well when the IRS tax season starts on January 20, we may see reduced taxpayer services with a chance of delayed tax return refunds.  Tax analysts and taxation attorneys estimate that approximately 47% of the phone calls made to the IRS will not be answered during the busy tax filing season.  If the remaining 53% taxpayers can get through, you better believe that they will have a long waiting period averaging 34 minutes to speak with an IRS staff person.

This are some examples of how the IRS will have to deal with a possible miserable tax season.  So taxpayers, remain calm.  The good news is that paid tax preparers who contact the IRS for their clients could use a "priority service" line; however, this could result in a 52 minute wait to talk to someone. This situation will require more patience from everyone.
Tax analysts and taxation attorneys say that the IRS is doing everything in its power to maximize its resources during January to May so that they can do their job as best as they can. But, they are already anticipating that there will be tax refunds that are seriously delayed.  The IRS is expecting very angry taxpayers.  Plus, this is the first tax season on record with the IRS administering premium tax credits for the Affordable Care Act (ACA).

The Strategic Tax Lawyers, LLP are professional taxation attorneys with years of experience in tax-related and IRS issues.  For a free consultation to assist you with your tax-related issues contact the Strategic Tax Lawyers at (800) 669-4775.

The Strategic Tax Lawyers Advise To Be Patient

Wednesday, January 21, 2015
On January 20, 2015, the IRS started accepting electronic tax returns, which is efficient, accurate and quick.  At the same time, the IRS will begin to process paper tax returns.  Our tax attorney specialists at the Strategic Tax Lawyers have advised for taxpayers to be patient, because the IRS is short staffed and lacking resources to make the process as efficient as it could be due to mandated budget cuts.  This means that taxpayers may not want to even consider contacting the IRS to get a prompt response for tax-related questions. 

The tax attorney specialists at the Strategic Tax Lawyers agree that they have seen the service from the IRS get worse through the years due to these budget cuts.  The declining quality of service is one of the most significant tax problem for U.S. taxpayers.  The prediction is that the IRS will answer approximately 50% of the expected 100 million calls from taxpayers during this tax season.  So our tax attorney specialists are warning, be patient and expect to wait 30 minutes to speak to a live person.  On top of that, you may need to make a few attempts in order to get through to the IRS. "This causes problems for our clients and other taxpayers who need simple questions answered,” say the tax attorney specialists of the Strategic Tax Lawyers.  This situation is the worst it’s been in years, especially since there are more taxpayers filing their tax returns than ever before.  Last year over 150 million individual tax returns were submitted to the IRS.  The IRS is anticipating a more complicated tax season due to the additional section on the tax return asking about health insurance coverage and the Affordable Care Act.  This means that more people will be expecting live assistance. What are these taxpayers to do if they have questions if they can't get through to the IRS to ask questions about the tax law?  The tax attorney specialists at the Strategic Tax Lawyers agree that tax law professionals will be extra burdened due to tax-related questions. In addition, some tax professionals are already foreseeing the IRS closing down for about two days due to furloughs because of the tax agency's reduced budget.

Tax specialists are increasing warnings about tax cheats who will scam taxpayers during this time.  So keep your eyes open for any suspicious activity.  Remember that the IRS will not call, they usually send official notices.  Don’t provide your social security number to a suspicious caller and don’t make any payments over the phone using your credit cards.

In addition, the IRS is estimating that the reduced budget will result in fewer tax audits.  Although this is a positive aspect for taxpayers, what it means is approximately $2 billion less for the federal government since the money will not be collected.

If you have a tax-related issue, you can contact the Strategic Tax Lawyers, LLP for assistance.  Call (800) 669-4775 for a free case consultation.

It’s Important to Know How to Select a Qualified Tax Preparer

Tuesday, January 20, 2015
As tax attorneys in the Los Angeles area, we see many issues associated with taxes, mostly being tax audits.  Every year the tax filing season approaches and many taxpayers procrastinate to get their taxes done.  Often times, in an effort to get it over with, taxpayers will go to just anyone to get their taxes done, or they will go to a tax preparer who will get you a big refund, when maybe it shouldn’t be so big.  We have tips for you from the IRS and other national tax organizations which will provide you, the taxpayer, with good information and tools for selecting professional tax preparers and avoiding those tax preparers who will do anything to get you a larger, unwarranted tax refund.  Much of this information is also available online on the IRS website.  We just want to help our clients and other taxpayers by relaying the information about selecting a reliable tax professional.  You can also search online for links to other tax professional groups to access tools that will give you additional information to find the right type of qualified help for your needs.

As tax attorneys in the Los Angeles area, we see that income tax returns are the most important financial transactions each year for a majority of taxpayers, either if they have to pay a tax bill or if they receive a refund from the federal government.   We have seen many problems occur when taxpayers make mistakes filling out tax returns.  Being accurate with the information you provide the IRS is critical. The IRS sees a great amount of tax scams so it is very important for taxpayers to pay attention to who the select to take care of their taxes and financial information.  The statistics for tax data is that over 140 million tax returns were filed in 2014, and half of those tax returns were prepared by a paid tax professional.

This year, the Affordable Care Act (ACA) is an important factor for many taxpayers and we suggest choosing a tax professional who has an understanding in what to do, especially if you had coverage from the health insurance Marketplace, which could include tax credits or exemptions.  Taxpayers may even need to make a payment to the federal government if they received ACA health coverage but could afford to pay for health insurance themselves.  A qualified tax professional will be needed in order to guide taxpayers with these issues.

When you select a qualified tax preparer, it is important that (1) you select one that is an ethical professional.  Basically, if you are trusting someone with you r financial and personal information, such as you Social Security number, your investments, your income, etc. then you better be sure to pick an ethical preparer; (2) the paid tax preparer signs the tax return, you should double check this.  And also make sure that they provide their valid Preparer Tax Identification Number (PTIN); (3) you check the return and make sure to ask any questions before you sign and file since you are the one technically responsible for what the tax professional has indicated on your tax return.  You can’t blame them after the fact since you are signing off on what the tax preparer completed; and (4) you should not sing a tax return if any parts are left blank.  Many crooked tax professionals do this to cheat taxpayers and it is a major red flag.  This is because the so-called tax professional could enter in whatever information they wanted in the blank return, including their own information to steal your tax refund.

If you are looking for the best tax attorneys in the Los Angeles area to represent you, then you want the Strategic Tax Lawyers on your side.  The Strategic Tax Lawyers are the best tax attorneys in the Los Angeles area who can help settle tax related issues with the Internal Revenue Service.  The tax attorneys have helped their clients settle their cases with the IRS successfully.  Contact the Strategic Tax Lawyers today at (800) 669-4775 today to discuss your tax-related issues.  

Want to Keep the IRS Away in 2015?

Tuesday, January 20, 2015
If you want to keep clear of the Internal Revenue Service this year?  As the New Year begins, make it easy on yourself, with some advice from professional tax attorneys in California, to keep your tax status free and clear of the IRS.  The following advice is manageable and tangible, that should make an impact on the choices you make regarding your taxes this year.  Professional tax attorneys in California agree that the IRS will most likely bother you if you don’t take these few tips into consideration.  This way you can rest assured that your year will be free of dealings with the IRS.

1. First off, the IRS is very interested in Form 1099, so it is in your best interest to pay close attention to this form since the IRS will be sending these forms in the mail very soon.  Each Form 1099 will include your Social Security Number and other identifying information, which can be paired to your federal tax return. This is a very important form, so if there is one piece of advice, it would be to pay close attention because the IRS does.

2. This year you may be signing different agreements, such as leases or purchase contracts, employment or settlement agreements, even independent contractor agreements, so California tax attorneys say it is important to consider taxes before signing any agreements.  Whatever official agreement you are signing, there are tax consequences attached to them.  And these are not necessarily humungous transactions that the IRS is looking for, but anything with tax dollars will be significant for the IRS.  So the advice from professional tax attorneys in California is to consider your tax status before you sign anything, because only then can you still make changes.

3. One of the most important things that taxpayers can do is to keep good records and documentation.  It is always a hassle to try and find old tax records for personal or business taxes.  So the tip is to get organized and quickly.  This includes keeping copies of payments, checks, invoices, leases, signed contracts, and any other receipts that are important to the IRS. If you keep good records from the get-go, then you are less likely to frantically search for them at a later date.

4. Tax attorneys and other tax expert say it is extremely important to deal with tax notices immediately.  Promptness means better results for taxpayers as there would be less issues or problems when dealing with the IRS.  In many cases, the IRS expects you respond back in 90 days. If you fail to do so, then you cannot appear in tax court, and you will need to file a claim in Claims Court or District Court.  If you receive an IRS notice and they request a response within 30 days, you should hire a tax attorney immediately.  If not, you will have 30 days to deal with it yourself.

5.  Be careful with the deductions you claim on your tax returns.  Since you can legally claim a deduction, it does not mean that you should claim it. This is because there is no sure way to know if you will actually receive a tax benefit from that tax deduction if you don’t run the numbers.  Therefore, run the numbers or skip that deduction.

Don’t take these tips lightly, say professional tax attorneys in California.  If you or someone you know a qualified California tax attorney, contact the Strategic Tax Lawyers, LLP for a free consultation to assist you with your tax-related issues. Call the Strategic Tax Lawyers at (800) 669-4775.

What Options Do I Have If There Are Mistakes on My Taxes?

Wednesday, January 14, 2015
As taxation attorneys at the Strategic Tax Lawyers, LLP, we recommend that if you made a mistake on your taxes or if you owe the Internal Revenue Service money that you never made a payment for, then you should immediately take care of this delinquent status.  In fact, the IRS has sent more than 2,500 just in December of last year to notify tax preparers about certain problematic errors that could be an issue that were found on certain forms, specifically Schedule C Form which is the sole proprietorship form that identifies profit or losses from a business.  The forms were filed by the tax preparers in question.  The official notices are sent by the Director of the Internal Revenue Service’s Tax Return Preparer Office which reviews tax returns that tax preparers file in that year. The notification is sent to tax preparers if there were a significant amount of errors found on the tax form, such as Schedule C, and offers them educational assistance.  Ant this could also turn into a tax audit.

As taxation attorneys, we are here to offer you advice about protecting yourself.  Make sure you choose a tax preparer that is qualified and reliable.  The IRS sends these types of notifications to remind the paid tax preparers of their responsibilities to their clients, taxpayers, to ensure that the information they file on behalf of the taxpayer is correct and free of mistakes.  The IRS is making a case this year so that tax preparers do not make this common and avoidable mistake.  As taxpayers, you need to make sure that your tax preparer has reviewed the tax code and is current on all the information pertaining to income, deductions, credits, etc.  Also, tax preparers rely on the word of their clients, so it is the responsibility of the tax preparer to get verification on the information that the client provides.  The client can’t just make up numbers and the tax preparer can’t just take their word for it.  We, as tax attorneys, have seen both tax preparers and clients face unnecessary consequence by the IRS because of mistakes on tax returns.  This has resulted in tax audits, incorrect returns resulting in added penalties and interest charges.

Now if you have not paid the IRS what you owe them, then you should be prompt with your payment.  The IRS has options for you and can work with you if you have a financial hardship and are having problems paying the full amount that you owe.  As taxation attorneys, we have seen the IRS work with our clients by offering options which depends on the specific financial situation.  We recommend that you file all tax returns from the years that are missing and attempt to pay at least a portion, if not all, of the amount due.  If you don’t have the money, you should find other avenues such as borrowing the money from a family member.  You can also take out a bank loan.

In addition, the Strategic Tax Lawyers are taxation attorneys that can also help you qualify for an Offer in Compromise (OIC).  An OIC is an option that the IRS offers for taxpayers with a major tax debt with a means to settle the debt for a lesser amount than what is owed.  This requires the assistance of taxation attorneys, so contact the Strategic Tax Lawyers today at (800) 669-4775 today to discuss your tax-related issues.  

New York Republican Congressman Resigns

Monday, January 12, 2015
Turns out it’s a grim year for former U.S. Representative Michael Grimm.  This week, United States Representative for New York’s 11th congressional district, Michael Grimm (Republican) announced that he will be resigning due to a tax evasion fiasco, says a tax attorney in Los Angeles.  Rep. Grimm, who served since 2011, pleaded guilty to federal tax evasion charges associated with felony tax fraud at the Brooklyn Federal Court.  As Democrats insisted on his resignation, he privately informed the House Republicans that he will indeed resign on January 5, 2015 due to his actions.  This decision was not an easy one for the U.S. Representative, but out of respect for Congress and the people he represented, he decided this was the best thing to do as he could no longer be one hundred percent effective in his position of power.

Grimm was found guilty for filing falsified income tax returns.  He was also charged with tax evasion, mail fraud, wire fraud, as well as employing workers that were undocumented at a restaurant that he previously owned.  As part of his actions, the U.S. Representative paid his employees under the table and did not report approximately $1 million in income to the IRS and the State of New York tax authorities.  To add to his guilty admittance, he disclosed that he blatantly lied during depositions with attorneys questioning if he paid his employees off the books in cash. He also admittedly used email accounts as a means to operate his restaurant.  Grimm did apologize for his actions and he seems remorseful.
Grimm may face a minimum of six months and a maximum of twenty years in federal prison for hiring undocumented staff, wire fraud and tax fraud since he was indicted on 20 counts of misconduct for the restaurant he previously operated.  His tax attorney made mention that some of the charges will be dismissed as part of the plea agreement.  Grimm has been on the attack for years by federal prosecutors who investigated previous fraud charges.

This indictment has hurt the Republican Party as they have attempted to control the damage from this scandal.  The Democratic Party insisted on the resignation of the United States Representative, says a Los Angeles tax attorney.

If you or someone you has a tax-related or IRS issue that needs to be resolved, then you may need a qualified tax attorney in Los Angeles.  The Los Angeles based Strategic Tax Lawyers, LLP firm is the one that you want on your side since they are IRS tax attorneys and other tax attorney experts in Los Angeles. Contact the reliable Los Angeles tax lawyers at the Strategic Tax Lawyers for a free consultation at (800) 669-4775.

Business Tax Attorneys Notify Taxpayers That the IRS Announced 2015 Tax Season Will Start January 20

Wednesday, January 7, 2015
The IRS has notified taxpayers that the 2015 tax filing season will begin on January 20th when tax returns will be accepted electronically, say the business tax attorneys of the Strategic Tax Lawyers.  This decision was based on Congress’ decision to renew “extender” provisions through 2014, which previously ended in December 2013.  The business tax attorneys stated that the IRS thoroughly reviewed the tax law and a decision was made to test the tax system.  This comes at a time when IRS employees have been working an aggressive schedule which includes preparing and testing the tax system to assure that they are prepared for the 2015 tax season.

As always, the Internal Revenue Service would like to encourage taxpayers to file their federal and state income taxes electronically, which they assure, is a safe, efficient, secure and accurate way to file.   Filing electronically is ideal when taxpayers procrastinate and the tax deadline approaches quickly.  The IRS also recommends choosing direct deposit for payment in order to expedite the process.

In addition, filing electronically is also the fastest way to get taxpayer’s tax refund.  Also, the IRS has stated that no advantage will be given to taxpayers who file paper returns in early January versus waiting to e-file on January 20th.

Business tax attorneys are reminding taxpayers in advance that if they will need to submit their tax return to the IRS on or before April 15, 2015

Or they will need to request an extension to file their tax returns in advance.  Millions of people make a request for an extension to file taxes.  Other tips include filing early and reviewing to make sure there are no mistakes or missing information.  Tax experts also recommend that taxpayers check their eligibility for tax credits and deductions which could be a way to save money.  Taxpayers are also encouraged to use the IRS’ automated phone system to ask any questions or for clarification.

Also, business tax attorneys recommend that taxpayers who usually file for an extension to file and pay by April 15th regardless of any circumstances since even a minimum payment reduces the chances of being hit with a hefty late-filing penalty and accrued interest.   So it is in your best interest to file your taxes as soon as possible, before the April 15 deadline, especially since the start date will be January 20th.  The sooner you file your income taxes, the quicker you will receive your tax return, which most likely will be money in your pocket.

The Strategic Tax Lawyers are staffed with qualified business tax attorneys who can assist you take care of your tax-related issues. Call the Strategic Tax Lawyers at (800) 669-4775 for a free case consultation.

IRS tax lawyers - The IRS Rights For Taxpayers

Wednesday, January 7, 2015
Everyone in the United States who pays taxes has the law on their side with a set of taxpayer rights under the federal tax code. The Internal Revenue Service stands by the federal government’s Taxpayer Bill of Rights.  These rights explain how every U.S. taxpayers will have protection and rights when corresponding with the agency.  The IRS has a video that U.S. taxpayers can view online on YouTube so that they can learn about their rights as U.S. taxpayers, say the IRS tax attorneys at the Strategic Tax Lawyers, LLP.  The IRS tax attorney added that this feature lets taxpayers explore their taxpayer rights in a unique and modern way.  The YouTube video tutorial features different topics that clarify and explain the rights of U.S. taxpayers, which includes how to appeal an IRS tax-related dispute, how taxpayers can protect themselves from identity theft, ways to file a delinquent federal income tax return and payment, explanations about the IRS Offers in Compromise (OIC) program, and methods to pay tax debt online.  The taxpayer information is available online in Spanish as well.  There are various categories that the Taxpayer Bill of Rights are divided into, making the information user-friendly for U.S. taxpayers to comprehend and be able to utilize.

The IRS tax attorneys want taxpayers to be aware of the Taxpayer Bill of Rights, especially when corresponding with the IRS directly.  The rights include:
1.    U.S. taxpayers should only pay what they need to without paying more in penalties and fines.  IRS tax lawyers say they have rights to only pay exact amount of tax for their specific case, and not one penny more.
2.    U.S. taxpayers can rightfully expect that they can challenge and take action if they disagree with the position of the IRS.  They are entitled to use additional documentation if it pertains to their case and will assist to prove their argument.

3.    U.S. taxpayers can rightfully expect to have the ability to appeal an IRS decision and take the case to court.

4.    U.S. taxpayers can rightfully expect to receive clear instructions and information about how to comply properly with all the tax laws.  This includes receiving well-defined explanations about any decisions by the IRS regarding their tax-related accounts.

5.    U.S. taxpayers can rightfully expect to obtain both courteous and quality service from the IRS as they are dealing with agency professionals regarding their tax-related cases. This includes being spoken to in a respectful way by IRS staff.

6.    U.S. taxpayers can rightfully expect that they will be given the proper information to be able to challenge the IRS, specifically the maximum amount of time or finality needed to challenge the IRS.

7.    U.S. taxpayers can rightfully expect that any IRS inquiry, examination, or enforcement action will comply with the law and be no more intrusive than necessary, and will respect all due process rights, including search and seizure protections, and will provide, where applicable, a collection due process hearing.

8.    U.S. taxpayers can rightfully expect that their personal information given to the IRS will remain confidential and their private information will not be disclosed to other entities.

9.    U.S. taxpayers can rightfully expect that processes with tax system will be moral, just and impartial.

10.    U.S. taxpayers can rightfully expect to have legal representation whom they choose for representation with the IRS on any legal issue.
The Strategic Tax Lawyers have IRS tax attorneys that know your Taxpayer Bill of Rights and they can fight for your rights.  Contact the IRS tax attorneys at the Strategic Tax Lawyers, LLP for a free consultation at (800) 669-4775.