TORONTO, July 14, 2021 /CNW/ – According to a recent CIBC poll, only 39 percent of Canadians who identify as part of the LGBTQ+ community have a written legal will, below the national average of 47 percent. To help close this gap and ensure that all Canadians feel secure with their financial future, CIBC is hosting a free webinar on July 21, 2021, at 2 p.m. ET. The webinar will feature CIBC experts covering essential tax and estate planning conversations and addressing commonly-asked questions from members of the LGBTQ+ community. The English webinar (with simultaneous French translation) will be hosted by Carissa Lucreziano, CIBC Vice-President, Financial and Investment Advice.
“No matter ones’ life stage, having a tax and estate plan can help protect the things they have worked so hard to achieve,” says Lucreziano.
The webinars will focus on the following topics:
Financial realities and opportunities facing the LGBTQ+ community
Real-life story of one family’s tax and estate planning journey
In-depth look at the unique aspects that should be considered when planning for tax and estate matters
Live Q&A with CIBC experts
Space is limited. Reserve your spot today by registering for the webinars here. By registering you can also receive access to watch the webinar on-demand. Additional resources on estate planning are also available on the CIBC website.
CIBC is a leading North American financial institution with 10 million personal banking, business, public sector, and institutional clients. Across Personal and Business Banking, Commercial Banking and Wealth Management, and Capital Markets businesses, CIBC offers a full range of advice, solutions, and services through its leading digital banking network, and locations across Canada with offices in the United States and around the world. Ongoing news releases and more information about CIBC can be found at www.cibc.com/en/about-cibc/media-centre.html.
FORT LAUDERDALE, Fla., June 17, 2021 /PRNewswire/ — Van Horn Law Group, P.A. today won a case in the U.S. Bankruptcy Court, Southern District of Florida (Case No. 20-8268-LMI), confirming a more affordable process for attorneys to provide bankruptcy services to underserved, low-income communities. In addition, the win ensures a more reasonable option to paying thousands in fees upfront prior to the bankruptcy filing.
Chief Judge Laurel M. Isicoff sided with Van Horn Law Group, its founding partner Chad Van Horn, and attorney Melissa Goolsarran Ramnauth who argued the matter for the firm in a case alleging the firm violated federal bankruptcy law by offering two-contract legal agreements in Chapter 7 cases. These bifurcated agreements – an initial contract and fee for filing bankruptcy and a second contract to complete the bankruptcy process with the fee paid over time with no interest – enables low-income individuals to access the bankruptcy process.
“The legal system should be open to everyone in need, not just those who can afford it,” said Van Horn. “We structure our agreements to help those in dire financial need – many of whom are already facing wage garnishments and barely making ends meet when they come to us. Requiring full payment before filing bankruptcy shuts out low-income communities and denies them access to quality representation for their bankruptcy filing. Our firm is committed to serving individuals and families of every economic stratum, particularly those who struggle the most.”
While Van Horn’s two-contract business model enables the company to fight for low-income clients – having used this process for more than 2,000 cases since inception – it also increases costs to the firm. For example, the firm has had to build and manage an infrastructure to accommodate taking payments. In addition, those payments are not necessarily guaranteed compared to requiring full payments prior to filing.
“We do whatever we can to champion the underdog because we believe it’s unconscionable to shut people out of the bankruptcy process that needs the help the most,” said Van Horn. “We implemented this process because it’s in the best interest of our community and provides an avenue for people struggling with debt to access the powerful bankruptcy system.”
This issue speaks to the mission of Van Horn Law Group: to restore peace of mind to individuals in financial distress by providing first-rate, affordable legal services with compassion, understanding, and respect. Its larger vision is to establish Van Horn Law Group as a relentless advocate for debtors’ rights in the State of Florida and across the country to dispel the stigma associated with bankruptcy, empowering citizens with the knowledge of their rights and providing access to the legal system.
Van Horn Law Group, P.A.
Van Horn Law Group, founded in 2009 by Chad Van Horn, 37, is the largest bankruptcy law firm in Broward County, Florida, based on cases filed, according to Pacer.gov, and practices in the areas of personal and corporate bankruptcy, student loan consolidation and litigation, estate planning/asset protection, LGBT estate planning/asset protection, foreclosure defense, corporate representation, debt consolidation, civil litigation, debt relief, and consumer law. The firm was ranked among the top 5,000 fastest-growing, privately held companies in the United States in 2019 and 2020 by Inc. magazine.
Van Horn, who graduated from Pittsburgh’s Robert Morris University with a B.S. in Business Management, discovered his niche in bankruptcy while working as a clerk for a bankruptcy law firm during the day and pursuing a law degree at night. He received his Juris Doctor from Nova Southeastern University’s Shepard Broad Law Center in 2009 and founded his bankruptcy firm shortly after that. Van Horn authored two books, The Debt Life, an Amazon bestseller within 24 hours, and Everything You Need to Know About Bankruptcy in Florida. He holds certifications in consumer and business bankruptcy by the American Board of Certification (ABC), a non-profit organization for legal professionals that grants formal certification in specific areas of law.
Van Horn Law Group, P.A. is headquartered in Fort Lauderdale, Florida. For more information, call (954) 765-3166 or visit www.vanhornlawgroup.com.