Revocable and Irrevocable Trusts: Differences, Pros & Cons

Trusts of whatever type are an important tool for estate planning. These instruments broadly fall into two categories: revocable and irrevocable trusts. However, there are differences between an irrevocable trust and a revocable trust and therefore, which may be beneficial for a Florida resident? The following brief and general guide may assist one in making an informed choice.

Revocable Trust:

Pros:

  • Retain control over assets: As the grantor (the creator of the Trust) of a revocable trust, you maintain control and can act as your own trustee.
  • Probate avoidance: Assets held in a revocable trust bypass probate, facilitating faster and more private asset distribution.
  • Incapacity planning: A successor trustee can manage trust assets if you become incapacitated, ensuring continuity of asset management.
  • Flexibility: Revocable trusts are relatively easy to create and can be modified or canceled at any time.
  • Simplified administration: Trust assets are managed under one document, streamlining administration.

Cons:

  • Limited asset protection: Assets in a revocable trust remain vulnerable to creditors and may affect eligibility for Medicaid nursing home coverage.
  • Estate tax implications: Trust assets are still considered part of your taxable estate, potentially subjecting them to estate taxes.
  • Additional cost: While simpler than irrevocable trusts, revocable trusts may still incur legal and administrative fees.
  • Potential loss of control: If asset protection is a priority, you may need to relinquish some control over assets.

Choosing Between Revocable and Irrevocable Trusts:

Revocable Trust: Ideal for those prioritizing control, flexibility, and simplified asset management. Suitable for individuals with modest estates and fewer concerns about asset protection or tax planning.

Irrevocable Trust: Suited for those seeking enhanced asset protection, tax savings, and long-term planning. Recommended for individuals with substantial assets, complex estates, or specific goals such as Medicaid planning or estate tax mitigation.

Ultimately, the decision between a revocable and irrevocable trust depends on your priorities, financial situation, and estate planning objectives. Consulting with an experienced estate planning attorney is essential to ensure your trust aligns with your goals and provides optimal protection for your assets and beneficiaries.

The foregoing is a brief and general overview of the topic. If you have any additional Questions regarding the foregoing or have any legal issue or concern, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.

LADY BIRD DEEDS VERSUS TRUSTS IN FLORIDA – A GENERAL OVERVIEW

Lady Bird Deeds and Revocable Living Trusts are two estate planning tools that serve different purposes. The following is a comparison between the two:

Lady Bird Deed:

  • Also known as an Enhanced Life Estate deed.
  • Allows an individual to retain control and use of the property during their lifetime.
  • Automatically transfers the property to named beneficiaries upon the owner’s death, avoiding probate.
  • Can be a cost-effective way to transfer a homestead property in Florida without giving up homestead protections.
  • The property owner retains the ability to revoke the deed, change beneficiaries, and maintain the property without obligations to the beneficiaries.
  • Does not require ongoing management or administration.

Revocable Living Trust:

  • A legal agreement created by a settlor or grantor (the party who creates the Trust) to manage assets during their lifetime and distribute them upon death.
  • Provides flexibility in managing various assets, not limited to the family home.
  • Avoids probate for all assets placed within the trust.
  • Can offer creditor protection for beneficiaries named in the trust.
  • May require the transfer of homestead property into the trust, potentially losing homestead protections.
  • Requires ongoing management and administration, including funding assets into the trust and updating beneficiary designations.

Choosing Between a Lady Bird Deed and a Revocable Living Trust:

  • Each option has its advantages and disadvantages, depending on individual circumstances.
  • Lady Bird Deeds are suitable for those primarily concerned with avoiding probate for their homestead property while maintaining control and flexibility.
  • Revocable Living Trusts are more comprehensive estate planning tools, suitable for those with extensive assets or specific needs such as creditor protection.
  • Consulting with an experienced estate planning attorney is crucial to determine the best option or combination of strategies for each individual’s situation.

Ultimately, the decision between a Lady Bird Deed and a Revocable Living Trust depends on a Florida resident’s goals, assets, and preferences, which can be best addressed through consultation with legal professionals specializing in estate planning.

The foregoing is a brief and general overview of the topic. If you have any additional questions regarding the foregoing or have any legal issue or concern, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.

Some Frequently Asked Questions about Florida Living Trusts

The following are general answers to some frequently asked questions about Living Trusts in Florida:

  1. What is a Living Trust and how is it different from a Last Will and Testament?

    • A Living Trust, also known as an inter vivos trust, is a legal agreement that allows a grantor to transfer ownership of assets to the trust during their lifetime. Unlike a Last Will & Testament, a trust helps avoid probate court after the grantor’s death, resulting in a more streamlined estate administration process.
  2. How can one create a Living Trust in Florida?

    • To create a Living Trust in Florida, one must first identify the assets they wish to transfer into the trust. Consulting with an attorney to draft the trust agreement is essential, as it must comply with Florida’s legal requirements. After drafting the document, assets need to be transferred into the trust’s name.
  3. What are the disadvantages of living trusts in Florida?

    • Living Trusts in Florida can be more expensive to create than Last Wills due to the legal work involved. Assets transferred to a trust may still be vulnerable to legal challenges, and managing a trust can be complex, requiring ongoing attention and potential legal assistance. Some individuals may also feel a loss of control over their assets after transferring them to a trust.
  4. Should a Florida resident put their house in a trust in Florida?

    • Whether to place one’s primary residence in a trust depends on individual circumstances. For married individuals with minor children, transferring the primary residence to a trust may not be advisable due to Florida homestead laws. Transferring one’s primary residence into their Living Trust in Florida may cause the trust to fail and the asset to be administered through the Probate Court nevertheless as well jeopardize the property tax exemption and creditor protection. However, for others, it can offer benefits such as probate avoidance and privacy as well as various income or estate tax benefits, e.g., if a high net worth couple. Under Florida law, a person may still benefit from the homestead tax exemptions even after the property has been transferred to their trust, if a specialized Homestead Trust is utilized. In Florida, a Lady Bird or Enhanced Life Estate deed is an alternative.
  5. How much does it cost to create Living Trusts in Florida?

    • The cost of creating a Living Trust in Florida can vary depending on its complexity. Trusts may range from $2,000 to $10,000 or more, with costs increasing for more complex documents. Clients should also consider ongoing management costs and fees for professionals.
  6. Can one make their own Living Trust in Florida?

    • While Florida law does not mandate hiring an attorney to draft a Living Trust, it is advisable due to the complexity of the process. DIY documents may lead to legal consequences or the need for costly corrections. Consulting with an experienced attorney can help ensure that the trust meets all legal requirements and addresses individual needs.

In conclusion, creating a Living Trust in Florida can offer numerous benefits but still has some disadvantages as well depending on the circumstances. However, it is essential to understand the process and seek professional assistance to navigate the complexities effectively. Consulting with an experienced estate planning and/or trust attorney can help individuals create a trust that aligns with their goals and protects their assets and beneficiaries.

The foregoing is a brief and general overview of the topic. If you have any additional questions regarding the foregoing or have any legal issue or concern, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.

HOW TO CHOOSE THE RIGHT PERSONAL REPRESENTATIVE FOR A LAST WILL IN FLORIDA

Choosing the right personal representative, also known as an executor, for one’s Last Will & Testament is a critical decision that requires careful consideration. Here is a guide outlining some of the factors to consider when selecting a personal representative:

  1. Understanding the Role of a Personal Representative:

    • A personal representative is responsible for settling the affairs of one’s estate after death, ensuring that one’s wishes, as outlined in their Last Will, are carried out.
    • Their duties may include settling debts, distributing assets to beneficiaries, filing taxes, and managing legal disputes, among others.
  2. Qualities of a Good Personal Representative:

    • Willingness: Ensure that the individual chosen is willing to take on the responsibility of being a personal representative or executor. It is essential to discuss the role with them beforehand.
    • Responsibility: Select someone who demonstrates diligence, fairness, and a sense of duty in handling important matters.
    • Objectivity: A personal representative should be able to remain impartial and mediate any conflicts that may arise among beneficiaries.
    • Financial Standing: Consider the financial competence of the potential personal representative, as they will be handling financial matters related to the subject estate.
    • Time Commitment: Choose someone who can dedicate the necessary time and effort to fulfill the duties of a personal representative in Florida, as settling an estate can be time-consuming.
    • Proximity: While it is not necessary for the personal representative who is a blood family member to reside in the same state, consider the practicality of their location in relation to the estate. See Florida Statutes Sections 733.302, 733.303, and 733.304. Others must be domiciled in the State of Florida.
  3. Professional Assistance:

    • In complex situations where the duties of a personal representative may exceed the capabilities of a friend or relative, hiring a professional executorship company or probate attorney may be advisable.
    • Professional assistance can be beneficial for high-value estates, estates with assets in multiple states, or estates with legal disputes.
  4. Naming Multiple Personal Representatives:

    • One has the option to name more than one personal representative, either as co-personal representatives or by appointing a primary personal representative or executor and an alternate.
    • Co-personal representatives can divide responsibilities and provide specialized expertise if needed, but they may also lead to conflicts.
    • Alternates serve as backups in case the primary personal representative is unable to fulfill their duties.
  5. How to Name a Personal Representative:

    • When drafting or updating a Last Will, clearly identify the individual(s) one wishes to appoint as their personal representative.
    • Ensure that the Last Will complies with applicable state laws regarding the execution and witnessing requirements.
    • It is advisable to seek legal advice from experienced legal professionals to ensure that a Florida resident’s Last Will accurately reflects their intentions and addresses any concerns.

Choosing the right personal representative is a crucial decision that requires careful thought and consideration. By selecting a responsible and capable individual or team, an individual creating a Last Will & Testament can ensure that their estate is handled efficiently and in accordance with their specific wishes. If an individual has any questions or needs assistance with estate planning, they should not hesitate to reach out to legal professionals such as CASERTA & SPIRITI for guidance.

The foregoing is a brief and general overview of the topic. If you have any additional Questions regarding the foregoing or have any legal issue or concern, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.

Rights, Duties, the Law & End of Life Issues

Discussing duties, rights, and the law at the end of life encompasses various crucial topics. The following is a brief overview:

  1. The Landscape of Hospice and Palliative Care:
    • Florida residents should explore options and services in hospice and palliative care, including pain management, symptom relief, and emotional support for patients with serious illnesses nearing the end of life.
  2. Advance Directives and Surrogate Decision Making for Patients Who Lack Capacity:
    • Importance of Advance Directives, such as Living Wills and Durable Powers of Attorney for healthcare, in expressing healthcare preferences when patients are unable to make decisions for themselves.
  3. The Gap Filler: Chapter 765 Florida Statutes on Health Care Advance Directives:
    • Outlines the process for making healthcare decisions on behalf of patients who lack capacity, with or without a designated healthcare proxy.
  4. Update on Legislation – Pros and Cons of Medical Aid in Dying in Florida:
    • Discussion on the debated topic of medical aid in dying, including the current legislative status and arguments for and against its legalization.
  5. New Issues in Organ Donation in the State of Florida:
    • Overview of challenges and emerging issues related to organ donation, including donor shortages and equitable access to transplantation.
  6. Clinical Trials and Compassionate Use:
    • Exploration of ethical and legal considerations surrounding participation in clinical trials and compassionate use programs, emphasizing patient rights and informed consent.

The foregoing is a brief and general overview of the topic. If you have any additional questions or legal concerns, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.

ESTATE PLANNING & DIGITAL ASSETS

Ensuring that digital assets are included in an estate plan is crucial in today’s digital age. Here are a few considerations to know about handling digital assets in one’s estate plan:

What is a Digital Asset?

Digital assets encompass various intangible items and information stored electronically. These include:

  • Email accounts
  • Social media accounts
  • Online payment accounts
  • Online trading accounts
  • Domain names and websites
  • Online gaming accounts
  • Cryptocurrencies
  • Cloud storage accounts
  • Digital libraries and playlists

How to Include Digital Assets in a Last Will & Testament

  1. Identify Transferable Assets:
    • Determine which digital assets one owns that are transferable. These typically include funds in online accounts, cryptocurrencies, and digital media a person owns.
  2. Document Transferable Assets:
    • List these assets in a Last Will & Testament to ensure they are distributed according to one’s wishes upon death.
  3. Address Non-Transferable Assets:
    • Some digital assets, such as email and social media accounts, are non-transferable. Service providers often have procedures for handling these accounts after a person’s death.

Consequences of Not Including Digital Assets in a Last Will & Testament

Without provisions for digital assets in a Last Will & Testament, an Executor or Personal Representative may struggle to locate and manage these assets effectively. Accessing important information stored in online accounts may become challenging for an Executor or Personal Representative.

How to Make Digital Assets Part of an Estate Plan

  1. Inventory Digital Assets:
    • Compile a list of all digital assets, noting which ones will go to named beneficiaries.
  2. Create a Digital Asset Trust:
    • Develop a document containing website addresses, usernames, passwords, and other relevant login information. Store this document securely and provide trusted individuals access to it.
  3. Consider Making a Last Will & Testament:
    • If an individual does not have a Last Will & Testament, consider making one that includes provisions for digital assets. Specify who has authority to access these assets and provide instructions for their distribution.

Plan Confidently with an Experienced Estate Planning Attorney

Ensure that digital assets are accounted for in one’s estate plan to prevent any complications and ensure specified wishes are honored. Consult with an experienced Estate Planning Florida attorney for personalized legal advice tailored to a Florida resident’s specific circumstances.

Remember, the information provided here is general and not a substitute for legal advice. Laws may vary, so it is essential to seek professional guidance for a specific situation.

The foregoing is a brief and general overview of the topic.

If you have any additional Questions regarding the foregoing or have any legal issue or concern, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.

ORGAN DONORS IN FLORIDA

Becoming an organ donor is a noble decision that can save lives. Thousands of Florida residents are currently waiting for donated organs. See Florida’s Waiting List with OPTN (i.e., Organ Procurement & Transplantation Network).

The following are some of the steps to become an organ donor in Florida (also see Florida Statute Chapter 765 Sections 510-547):

1. Sign Up at the Florida Organ Donor Registry:

  • Register with the state organ donor database at Donate Life Florida. This can be done online, and it only takes a few minutes. Said registration will indicate one’s intention to donate organs and tissue upon your death.

2. Use Your Florida Driver’s License:

  • When obtaining a new driver’s license in Florida, a Florida resident can express their desire to be an organ donor on their application. A driver’s license will then indicate that the holder is an organ donor.

3. Include Organ Donation in Your Designation of Healthcare Surrogate:

  • In an estate planning documents, especially in the Healthcare Surrogate or power of attorney (designation of healthcare surrogate), include one’s desire to be an organ donor. This ensures that one’s wishes are known and followed.

4. Inform Others About Your Decision:

  • Clearly communicate the decision to be an organ donor to family members, healthcare providers, clergy, and close friends. While one’s documented wishes must be honored, informing others helps avoid confusion or delays.

How to Donate One’s Whole Body in Florida:

If an individual wishes to donate their whole body for research or instruction, they can contact medical schools or whole-body donation organizations. One may find a list of body donation programs in the United States or contact national organizations like Science Care.

If a Florida Resident Does Not Want to Be an Organ Donor in Florida:

If a resident has strong feelings against being an organ donor, document those wishes in a signed and dated document, such as the healthcare surrogate or power of attorney. Ensure that family members and healthcare providers are aware of the decision to avoid any inadvertent donations.

Decision-Making in the Absence of Instructions:

If a person does not leave instructions about organ donation, Florida law determines who will make the decision. The order of priority includes a Healthcare Surrogate (if appointed), spouse, adult children, parents, adult siblings, adult grandchildren, grandparents, close personal friends, and others specified by law.

Remember, documenting one’s decision about organ donation is crucial, as it ensures their wishes are respected and followed after death. If a person has any concerns about the decision-making process, taking the time to document one’s preferences is essential. For more information, an individual can visit OrganDonor.gov, among others.

The foregoing is a brief and general overview of the topic.

If you have any additional Questions regarding the foregoing or have any legal issue or concern, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.

CONTESTING A LAST WILL & TESTAMENT

Contesting a Last Will & Testament is a complex legal process and should be approached with careful consideration. The following are a few key points to understand about contesting a Last Will and Testament:

  1. Eligibility to Contest:
    • One must have legal standing to contest a Last Will. This typically means an individual must be a person who would stand to inherit if the Last will were declared invalid.
    • Common scenarios include being named in the Last Will and seeking more, being named in a previous version of the Last Will but excluded in the current one, or being a legal heir who would inherit if there were no Last Will.

 

  1. Reasons for Contesting:

    Contesting a Last will requires valid reasons. Common grounds include:

      • Mental Incompetence: If one believes the deceased person was not mentally competent when making the Last Will.
      • Undue Influence: If one suspects someone exerted undue influence on the deceased to include or exclude certain beneficiaries for personal gain.
      • Legal Formalities: If the Last Will lacks proper legal formalities, such as being unsigned or without the required number of witnesses.
      • Forgery or Fraud: If one believes the Last Will is a forgery or the result of fraud.
      • Existence of a More Recent Will: If one has evidence that a more recent valid Last Will exists.

 

  1. Legal Process:
    • Contesting a Last Will is a legal process that usually involves filing a petition with the probate court.
    • It is advisable to seek legal representation from an experienced attorney specializing in probate and estate litigation.

 

  1. Burden of Proof:
    • The person contesting the Last Will typically bears the burden of proving the grounds for contesting.
    • Evidence, such as medical records, witness statements, or other relevant documentation, may be required to substantiate one’s claims.

 

  1. Timelines:
    • There are time limits for contesting a Last Will, and these vary by jurisdiction.
    • It is crucial to initiate the legal process within the specified timeframe. Florida law mandates a strict filing deadline for Will contests. Any interested person must file a formal lawsuit contesting the Last Will within 90 days after the filing of the Notice of Administration—the document filed by the estate’s Personal Representative notifying the decedent’s heirs of probate court proceedings. If a Florida resident receives a Petition for Administration by formal notice, then they have only 20 days to contest the Last Will.

 

  1. Emotional Impact:
    • Contesting a Last Will can be emotionally challenging, especially considering the loss of a loved one and potential family conflicts.
    • It is important to weigh the emotional toll against the potential benefits and consider alternative dispute resolution methods, such as mediation.

 

  1. Legal Advice:
    • Consult with an experienced estate attorney to assess the merits of your case and understand the legal complexities involved.
    • An attorney can guide you through the process, help gather necessary evidence, and represent your interests in court.

Contesting a Last Will & Testament is not a simple or guaranteed process, and success depends on the specific circumstances of each case. If a person believes they have valid reasons to contest a Last Will, seeking legal advice promptly is crucial to understanding one’s options and taking appropriate action.

The foregoing is a brief and general overview of the topic.

If you have any additional Questions regarding the foregoing or have any legal issue or concern, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.

POWERS OF ATTORNEY-THINGS TO CONSIDER

Selecting the right individuals for the roles of attorney-in-fact or Agent in one’s estate plan is a crucial decision. The following are some key considerations when designating family members or good friends for different types of powers of attorney:

1. Durable Power of Attorney:

  • Financial Matters: Consider designating someone with financial acumen and responsibility.
  • Understanding of Assets: Choose an individual who has a clear understanding of one’s financial situation and assets.
  • Responsibility During Incapacitation: This person will handle financial decisions on an individual’s behalf, even if they become incapacitated.

2. General Power of Attorney:

  • Broad Authority: This designation grants extensive authority, so select an individual that the Principal (person granting the power) trusts implicitly.
  • Personal and Business Decisions: Consider if the person is capable of handling both personal and business-related matters.

3. Limited Power of Attorney:

  • Specific Tasks: Choose someone with the skills and knowledge needed for the specific tasks outlined in the limited power of attorney.
  • Time Period: Consider the timeframe and ensure the designated person can fulfill the tasks within that period.

4. Designation of Healthcare Surrogate/Healthcare Power of Attorney (Healthcare Proxy):

  • Understanding of Medical Decisions: Designate an individual with a good understanding of medical decisions and the Principal’s healthcare preferences.
  • Availability During Medical Emergencies: Choose someone who is likely to be available during medical emergencies and capable of making informed healthcare decisions.

5. Consider Individual Strengths and Weaknesses:

  • Evaluate Skills: Assess the strengths and weaknesses of each family member or friend.
  • Tailor Responsibilities: Tailor responsibilities based on individual capabilities, such as designating a family member or friend with a medical background for healthcare decisions.

6. Financial Responsibilities:

  • Financial Acumen: If financial decisions are involved, consider designating someone with financial acumen.
  • Addressing Financial Struggles: Be mindful of family members or friends who may struggle financially and assess their capability to handle financial responsibilities.

7. Business or Corporation Planning:

  • Sophisticated Planning: If there is sophisticated planning involved for a business or corporation, set clear expectations on seeking external expertise.
  • Designate Specific Individuals: Clearly designate who the selected family members or friends can turn to for assistance outside the family for specialized matters.

8. Clear Expectations:

  • Communication: Communicate one’s expectations clearly to each family member or friend.
  • Avoiding Turmoil: Avoid potential conflicts by acknowledging that not every family member or friend is equally suited for the same tasks and responsibilities.

Remember that the goal is to ensure that a person’s wishes are carried out effectively. Tailoring each designation based on individual strengths, skills, and responsibilities can contribute to a more efficient and harmonious execution of one’s estate plan. Consulting with legal professionals can provide additional guidance and ensure that one’s estate plan aligns with their specific needs and family dynamics.

The foregoing is a brief and general overview of the benefits of choosing the appropriate individual to act as one’s Agent under the circumstances as well as proper Estate Planning in Florida.

If you have any additional Questions regarding the foregoing or have any legal issue or concern, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.

PERSONAL REPRESENTATIVES, TRUSTEES, GUARDIANS & AGENTS IN FLORIDA

Choosing the proper representatives in estate planning is a critical aspect that requires careful consideration. These individuals can include executors or personal representatives of one’s Last Will & Testament, trustees of any Trusts created, guardians for oneself or more likely for minor children or agents under a Power of Attorney. The following are some key points:

1. Expertise and Trustworthiness:

When selecting decision-makers, trust is paramount. Ensure that the individuals you choose have the integrity and competence to manage their responsibilities. Consider their expertise, especially if specific skills are required for managing certain aspects of your estate.

2. Understanding Roles and Responsibilities:

Clearly communicate the roles and responsibilities of the designated individuals. Whether they are personal representatives, trustees, guardians, or agents under a Power of Attorney, they should have a comprehensive understanding of what is expected of them.

3. Dealing with Multiple Decision-Makers:

  • Potential for Conflict: Acknowledge the potential for conflicts, especially when dealing with emotionally charged decisions. Be aware that disagreements may arise, and plan effective ways to address them.
  • Delegating Specific Tasks: To minimize conflicts, assign specific tasks to each decision-maker. This ensures that responsibilities are divided, and each person focuses on areas where they have expertise.

4. Limiting the Number of Representatives:

Consider limiting the number of decision-makers to those who are necessary. A smaller group can lead to more efficient decision-making and reduce the likelihood of disagreements.

5. End-of-Life Decisions:

  • Healthcare Surrogate or Proxy: In end-of-life situations, choose a healthcare surrogate or proxy who understands your values and preferences. This person should be capable of making difficult decisions on behalf of the incapacitated party and advocating for their principal’s wishes.

6. Setting The Plan in Motion:

  • Clear Communication: Clearly communicate one’s wishes or instructions to their chosen representatives. Discuss values, priorities, and any specific instructions for managing the subject estate.
  • Legal Documentation: Ensure that one’s choices are legally documented. This may involve creating a Last Will, Trust, Declaration of Preneed Guardian, Power of Attorney, and other legal instruments that clearly outline a person’s preferences and the roles of their designated representatives.

7. Regular Review and Updates:

Estate plans should not be static. Regularly review and, if necessary, update the plan to reflect changes in one’s life, relationships, or financial situation. This ensures that the estate plan remains relevant and effective.

By carefully considering these factors and making well-informed choices, a Florida resident can enhance the likelihood that their estate will be managed according to their specific wishes, even in challenging circumstances. Consulting with an attorney experienced in estate planning can provide valuable insights and assistance in creating a robust and comprehensive plan.

The foregoing is a brief and general overview of the benefits of proper Estate Planning in Florida.

If you have any additional Questions regarding the foregoing or have any legal issue or concern, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.