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Are your will and estate plan up-to-date?

Creating a will and estate plan is one of the best ways a person can make their wishes for their property clear to those they love, doing away with potential confusion and conflicts. A strong, updated will and estate plan offer protections to property while establishing a legally enforceable record that clarifies your wishes. Individuals in your inner circle will not develop inaccurate, conflicting ideas about how to care for your property when you pass away.

However, if you create a will and estate plan and neglect to update them when it is appropriate, these conflicts may still come up. Major life events can lead to circumstances that do not reflect the wishes you established earlier, or laws may change that weaken the protections you set up in your estate plan.

Financial woes and filing for bankruptcy

In New Mexico and across the United States, many people experiencing unexpected life changes try to avoid filing for bankruptcy. Some credit card companies may accept smaller payments and forgive the rest of the amount owed. However, filing for bankruptcy may help debtors get back on track financially. The first step is to determine whether a person meets the financial qualifications to file for bankruptcy.

A person's income and assets play a key role in determining whether they qualify to file for Chapter 7 bankruptcy or Chapter 13 bankruptcy to pay off credit card debt. Consulting with a bankruptcy lawyer may shed light on the situation. A person experiencing heavy debt needs to earn enough money to pay back creditors. However, additional daily, weekly or monthly expenses can prevent a person from having the financial means to pay off the debt. Debt settlement is another option. Nonetheless, settling a debt without the help of a bankruptcy attorney may yield an unfavorable result.

How are you threatened by drowsy driving?

New Mexico residents like you share the road with plenty of other drivers. This ups your chance of getting involved in a crash. Today, we at Sanders Law Firm will examine the phenomenon of drowsy driving, a risk factor that potentially leads to more crashes.

Drowsy driving occurs when someone gets behind the wheel despite the fact that they are exhausted and should rest up first. Because drowsy driving doesn't get as much bad press as drunk driving or distracted driving, it is still done frequently by people all across the state and country.

Two-year investigation leads to indictment

People who live in New Mexico and find themselves facing serious criminal allegations can understandably find this type of situation scary and uncertain. However, it is important to remember that the laws in the state and the United States require that all people have the opportunity to appropriately defend themselves against any type of criminal charge. An arrest and even an indictment is by no means a guarantee that a defendant will be found guilty of any charge or forced to endure any criminal penalties.

There are 12 different people who today must be reminding themselves of exactly these facts after their recent arrests and indictments. As reported by, the individuals face a myriad of criminal charges involving drugs and weapons. The charges are the result of an investigation that was first launched in 2017 and involved multiple entities that participated in a coordinated Organized Crime Drug Enforcement Task Force.

How can I boost my credit score after bankruptcy?

If you are like most people in New Mexico, filing for bankruptcy was never one of those things you expected to do in your life. However, if you are in a tough financial situation that you cannot find your way out of, it just might be that a Chapter 7 or a Chapter 13 bankruptcy could be the best solution for you. It is important for you to not look at this as a negative or shameful experience but rather as one that can set you up for a better financial future.

One of the things that many people hear about before they file for bankruptcy is that their credit could be negatively impacted if they complete a bankruptcy. The fact of the matter is that a person's credit probably already experiences some damage due to the tough debt problems they face. Any missed or late payments to credit card, mortgage loan holders or other creditors can lower a credit score dramatically.

What type of benefits does workers' compensation offer?

If you are employed in the state of New Mexico, it is important for you to know how this state approaches workers' compensation benefits. Every state has its own program designed to help employees who develop illnesses or experience injuries related to their job environments or the execution of their job responsibilities. If you are one of these people, you may qualify for financial assistance through the workers' compensation program.

As explained by the State of New Mexico Workers' Compensation Administration, if you are unable to work due to your illness or injury, you may be able to apply for disability workers' compensation benefits. There are three types of these benefits depending on the extent and duration of your disability. If your disability prevents you from working in your original role but allows you to work in a limited capacity earning less than you normally did, you may apply for temporary partial disability benefits. These pay a portion of the difference between your normal pay and the adjusted work pay.

What are common reasons for people to challenge a last will?

Creating a last will or estate plan is a way to ensure that your loved ones will have access to your assets after you die, thereby providing them with security. It could also be a way to guide the use and allocation of your assets, which is a way for you to create a legacy for yourself.

Sadly, some of the people who go through the trouble of creating a comprehensive estate plan or simply allocating certain assets to family members and loved ones in a last will will have their wishes subverted by the very people whom they hoped to protect.

Will divorce ruin me financially?

If you and your spouse in New Mexico have chosen to get a divorce, you will have to make many tough decisions and you may be unsure about just what information you should be collecting or factoring into those decisions. A divorce is a major emotional event in your life but it is also a major financial event in your life. It is important that you understand the things to pay attention to so that you are prepared to move forward financially in the right manner.

As explained by USA Today, if you and your spouse have minor children, you should discuss plans for how you will pay for college for your kids when the time comes. These agreements may even be part of your divorce agreement so that you are not left facing this alone when the time comes.

COBRA benefits following your divorce

Those first few days, weeks and even months following your divorce in Roswell can be the most difficult to get through. Even if the circumstances of your separation from your spouse make your new situation a welcome relief, adjusting to life without their support can be hard (particularly if you were not the primary income earner in your marital home). One of the aspects of post-divorce life that many of those who come to see us here at the Sanders Law Firm find most difficult to adjust to is the uncertainty that they feel over seeking costly assistance that they received previously from their ex-spouses (such as health care). 

If you share the same concern heading into your divorce proceedings, you should know that you will not necessarily be left without healthcare coverage if you are unable to immediately secure gainful employment. The Consolidated Omnibus Budget Reconciliation Act was created to help people in your exact situation. 

The importance of staying sober while boating

When people consider boating while intoxicated, they may not associate this offense with New Mexico. However, the state does have laws against BUIs and if people want to keep themselves out of trouble, it is important for them to know what this offense consists of and why it is dangerous.

Boating while intoxicated is more dangerous than people may realize. FindLaw says it is 34% more likely that people will die in a boating accident if the driver has been drinking. Additionally, alcohol plays a role in more than half of the boating accidents that occur each year. For this reason, some authorities may set up checkpoints so they can determine if boat operators have been drinking. Members of law enforcement may also ask boaters to pull over if they think the driver is drunk.

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Offices Conveniently Located in Roswell, Albuquerque & Hobbs

Roswell Office
701 West Country Club Road
Roswell, NM 88201

Toll Free: 866-755-7229
Phone: 575-578-4392
Fax: 575-622-5853
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Albuquerque Office
4801 Lang NE
Suite 110
Albuquerque, NM 87109

Toll Free: 866-755-7229
Phone: 505-798-2588
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Hobbs Office
732 E. Michigan
Suite 500
Hobbs, NM 88240

Toll Free: 866-755-7229
Phone: 575-318-2887
Fax: 575-393-0565
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Las Cruces Office
1990 E Lohman Ave
Las Cruces, NM 88001

Phone: 575-222-1111
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Ruidoso Office
1100 Sudderth Dr
Ruidoso, NM 88345

Phone: 575-222-1111
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