1. WILLS & ESTATE ADMINISTRATION- PROTECT YOUR FAMILY AND      MAKE PLANNING EASY 2. MOTOR VEHICLE POINTS, SURCHARGES, THE MUNICIPAL COURTS AND NEW  JERSEY TRAFFIC LAWS 3. CAR INSURANCE- EXPLANATIONS ON CAR INSURANCE POLICIES     AND WHAT IS RIGHT FOR YOU

   All instructors are licensed attorneys who have been in practice at least 17 years. All instructors are  members of the American Bar Association, New Jersey State Bar Association and Middlesex County Bar Association.   All programs include free written materials.

Details on the 3 Programs currently offered:

1. WILLS, TRUSTS & ESTATE ADMINISTRATION ...DON'T LET THE TAXES AND EXPENSES DESTROY YOUR FAMILY'S FUTURE    You don't have to be wealthy or near death to do some thinking about a Will.  Here is your opportunity to listen to an experienced attorney who will discuss how to distribute your property as you wish and avoid many rigid provisions of state law.    Topics discussed include: Who needs a Will?; What if you die without a Will (intestacy)?; Mechanics of a "Simple" Will; Selecting an executor, trustee and guardian; Proper Will execution; Cost of a "Simple Will"; Where should Wills be kept?; "Living Will"; Powers of Attorney; $10,000 annual gift tax exclusion,  Bequests to charity, Why you need a "Self-Proving" Will and  Estate Administration/ Probate.    Sample materials: Hand-outs on Wills, Living Wills/Medical Advance Directive, Power of Attorney, Probate and Administration of an Estate, Real Estate, Working with your Attorney, Consumers Guide to New Jersey Laws, and Senior Citizen Rights.

2 MOTOR VEHICLE SURCHARGES, THE MUNICIPAL COURTS AND NEW JERSEY TRAFFIC LAWS     How to fight speeding tickets, driving while suspended, careless driving and other traffic violations.    Pursuant to State Regulations, the New Jersey Division of Motor Vehicles (DMV) tracks your driving by adding points to your record when you are convicted of a moving violation.  The more serious the violation, the more points you are assessed.  Motor Vehicle points are completely separate from insurance eligibility points, which are used by the NJ State Department of Insurance to assess surcharges on your insurance payments.  Your insurance company can charge you an extra surcharge on top of DMV surcharges.   Your insurance company can seek approval to charge several hundred dollars for points or even cancel your policy.   Therefore, it is often important to plead not guilty to municipal court motor vehicle violations and speak with the prosecutor to try to plead guilty to a lesser point, lesser speed violation.

3. CAR INSURANCE- EXPLANATIONS ON CAR INSURANCE POLICIES     AND WHAT IS RIGHT FOR YOU    ...Getting the Best Coverage for your Dollar! -Payment of medical bills (PIP) -Verbal/ Lawsuit Threshold and not waiving right to bring suit if injured -Income continuation benefits -Property damage -Uninsured motorist coverage

4. BUYING AND SELLING REAL ESTATE IN NEW JERSEY- PITFALLS AND PROFIT     An experienced attorney will discuss: a. Negotiating the contract and revisions to the pre-printed broker contract b. Home inspection, termite, radon clauses c. Mortgage commitment and title searches d. The process from attorney review to closing e. Closing costs and transfer of title

 SPEAKERS BUREAU     At the request of members, Unions and Middlesex County companies organizations, the " Speakers Bureau " is a service designed to educate citizens about how laws affect their lives and how the judicial system operates.  We  have attorneys available to speak to business persons, educational, civic and social organizations on a wide range of topics during business hours.       HELP YOUR MEMBERS LEARN THE LAW, PREVENT OR AVOID LEGAL PROBLEMS    Chances are many of your members have been in a situation where they could benefit from legal advice.  Have you ever been in an accident? Has a motor vehicle or criminal complaint been filed against you or a member of your family? Many individuals face these and other types of problems. Often people do not protect their rights then later face lengthy license suspension or even jail for failure to resolve legal problems early on.  That's why Legal Rights Seminars are offered.

   This means your members can get advice and possibly prevent legal problems before they occur.   Most importantly, they can have peace of mind.     Americans need an attorney when legal problems strike.  As in the case of medical services, early treatment can prevent catastrophe and its attendant cost in time and money.  For example, psychological studies have demonstrated that there is a direct correlation between legal problems and lost work time and productivity.   Employees' work performance often has a direct relationship to personal legal problems, therefore the sooner a solution can be found for the employees' problems, the sooner the employees can focus on their work.

No soliciting of members One free consultation card available per member/ employee.        As set forth previously, in this seminar series we do not permit our attorney/ speakers to solicit the people in attendance. However, a free on month consultation card is provided to all who attend, a $200 value.  Use these   private consultations with an experienced attorney to discuss your important legal matters, have a legal check-up, or discuss any specific business-related legal problem that may need professional attention.    In today's complex world, few people can function successfully and safely without competent legal advice.  In order to insure your estate plans are legally set up, you need to know exactly where you stand so that you can avoid mistakes that can have a catastrophic impact on your family and you. For additional information on the Legal Seminars, contact our Coordinator Kenneth Vercammen, Esq.  at (732) 572-0500.   We would welcome the opportunity to talk with you or your officers to explain more about the Legal Rights Seminars.

   FREE INFORMATION FLYERS    Copies of the following legal consumer information flyers are available at no cost:

1. WHAT TO DO IN AN  AUTOMOBILE ACCIDENT. 2. WILLS - Protecting Loved Ones. 3. MUNICIPAL COURT. 4. PERSONAL INJURY CASES. 5. COOPERATING & WORKING WITH YOUR ATTORNEY. 6. TRAFFIC FINES & PENALTIES. 7. REAL ESTATE. 8. NEW JERSEY DIVISION OF MOTOR VEHICLE POINT SYSTEM & DRUNK DRIVING. 9. INSURANCE SURCHARGE FACTS. 10. STARTING YOUR OWN BUSINESS. 11. PROBATE AND ADMINISTRATION OF AN ESTATE. 12. LIVING WILLS. 13. WEBSITE ARTICLES 14. CAR INSURANCE- NO LIMITATION ON THRESHOLD 15. DWI  PENALTIES AND DEFENSES. 16. DRIVING WHILE SUSPENDED. 17. POWER OF ATTORNEY. 18. TRUSTS AND ELDER LAW 19.   EXPUNGEMENT OF CRIMINAL ARRESTS