Thanksgiving: A Time to Be Thankful—and Talk About the Future

As Michigan’s temperatures start to drop, many homeowners begin preparing for winter. We check the furnace, clean the gutters, protect outdoor plumbing, and get the house ready for snow. Fall is also a great time to prepare for something else: your family’s future. Reviewing your estate plan now can help make sure your wishes are still up to date and your loved ones are prepared for the unexpected. Has Your Life Changed? Your estate plan should change as your life does. If it has been a few years since you last reviewed your documents, ask yourself: Have you gotten married or divorced? Have you welcomed a child or grandchild? Have you bought or sold a home? Have your finances changed? Have you lost someone named in your will? Are your beneficiaries still correct? Have the people you chose to make financial or healthcare decisions for you changed? If you answered yes to any of these, it may be time to review your plan. Don't Forget Your Will and Trusts A will can help outline how you want your assets handled and can address important matters such as guardianship for minor children. Depending on your circumstances, a trust may also be helpful. Trusts can serve different purposes, including helping manage assets and providing for beneficiaries. Because every family is different, an estate planning attorney can help you determine which options may be appropriate for you. Estate Planning in Royal Oak, Madison Heights & Ferndale  For families in Royal Oak, Madison Heights, Ferndale, and throughout Southeast Michigan , fall is a great time to make estate planning part of your yearly checklist. At Melder & Melder, P.C. , we help individuals and families with estate planning, wills and trusts, probate, and estate administration . Don't wait until an unexpected situation forces your family to make difficult decisions. Take a little time this fall to prepare for the future. Contact Melder & Melder, P.C. at 248-541-3400 for a free initial phone consultation. Melder & Melder, P.C. 2304 East Eleven Mile Road Royal Oak, Michigan 48067 Telephone: (248)-541-3400 or (800)-LAW-5454 Facsimile: (248)-541-6332 info@melderandmelder.com www.melderandmelder.com

As the leaves begin to change and fall arrives, it’s a great time for businesses to take a fresh look at their finances, including unpaid invoices and outstanding debts. For many business owners, collecting overdue payments can be one of the most frustrating parts of running a business. You provide a product or service, but months later, you’re still waiting to be paid. Don’t Let Unpaid Invoices Pile Up Just like clearing leaves from your yard before winter, addressing unpaid accounts sooner rather than later can help prevent bigger problems down the road. If a customer has stopped responding to calls or emails, or an invoice has remained unpaid despite repeated requests, it may be time to consider professional debt collection assistance. How Can a Debt Collection Attorney Help? An experienced attorney can help you pursue unpaid debts while making sure the collection process follows applicable laws. Depending on the situation, legal collection efforts may include demand letters, communication with the debtor, filing a lawsuit, or pursuing available remedies such as garnishments or property levies. The goal is simple: help you recover money you are owed while allowing you to focus on running your business. Start the Season With a Clean Slate Fall is a season of preparation and new beginnings. If outstanding debts are weighing on your business, now may be the right time to take action. At Melder & Melder, P.C., our experienced attorneys provide debt collection services for individuals and businesses throughout Southeast Michigan. We work to make the collection process as efficient and straightforward as possible. Don’t let unpaid debts follow you into another season. Contact Melder & Melder, P.C. at (248) 541-3400 for a free initial phone consultation. Melder & Melder, P.C. 2304 East Eleven Mile Road Royal Oak, Michigan 48067 Telephone: (248)-541-3400 or (800)-LAW-5454 Facsimile: (248)-541-6332 info@melderandmelder.com www.melderandmelder.com

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Getting married is an exciting milestone, especially when children are already part of your life. Whether you are blending families, welcoming a new baby, or planning for the future, marriage brings important legal responsibilities that can help protect everyone you love. Protect Your Children's Future Marriage is a great time to review your family's legal plans. Depending on your situation, you may want to consider: Creating or updating your will Naming guardians for minor children Reviewing beneficiary designations Establishing powers of attorney Protecting family assets and property  Taking these steps now can help provide peace of mind and reduce uncertainty in the future. Every Family Is Different No two families are alike. Blended families, first marriages, second marriages, and families with children from previous relationships all have unique legal considerations. Working with an experienced family law attorney can help ensure your plans reflect your family's specific needs and goals. We're Here to Help At Melder & Melder, P.C., we have been helping families throughout Southeast Michigan navigate life's important transitions for decades. Whether you need assistance with family law, estate planning, or protecting your children's future, our experienced attorneys are here to guide you every step of the way. Contact Melder & Melder, P.C. today to schedule a consultation and learn how we can help protect what matters most—your family. Melder & Melder, P.C. 2304 East Eleven Mile Road Royal Oak, Michigan 48067 Telephone: (248)-541-3400 or (800)-LAW-5454 Facsimile: (248)-541-6332 info@melderandmelder.com www.melderandmelder.com

Getting married should be one of the happiest moments of your life—not one of the most stressful. If this is your first marriage, you may be wondering where to start, what paperwork is required, and how to make sure everything is completed correctly. The legal side of marriage can feel overwhelming, especially when you're already busy planning your future together. That's where Melder & Melder can help. Our team makes the marriage process simple by helping couples navigate the legal requirements needed to get married. Instead of spending hours researching forms, requirements, and procedures, you can focus on celebrating your engagement and preparing for your big day. Why Couples Choose Our First Marriage Service Simple and straightforward process Guidance through required paperwork Help avoiding common mistakes and delays Convenient and stress-free experience Friendly professionals ready to answer your questions Start Your Forever With Confidence Whether you're planning a large wedding, a small ceremony, or an intimate courthouse marriage, having the right guidance can make all the difference. We help take the guesswork out of the process so you can move forward with confidence. Marriage requirements can vary, and obtaining the proper marriage license and completing the legal steps are important parts of making your union official. In Louisiana, couples generally need a marriage license before the ceremony, and certain legal requirements must be met before the marriage can be finalized. Let Us Handle the Details Your love story is just beginning. Let Melder & Melder help make the legal process easy so you can focus on what truly matters—starting your new life together. Contact Melder & Melder today and take the first step toward your happily ever after. Melder & Melder, P.C. 2304 East Eleven Mile Road Royal Oak, Michigan 48067 Telephone: (248)-541-3400 or (800)-LAW-5454 Facsimile: (248)-541-6332 info@melderandmelder.com www.melderandmelder.com

Unpaid invoices can create major problems for businesses. Late payments affect cash flow, slow growth, and take valuable time away from daily operations. That’s why many businesses turn to professional debt collection services for help. Melder & Melder provides debt collection support designed to help businesses recover overdue balances professionally and efficiently. Benefits of Professional Debt Collection Services Working with a collection firm can help businesses: • Recover unpaid invoices faster • Improve cash flow • Save time and resources • Stay compliant with collection laws • Focus on running the business Professional collection teams also use respectful communication strategies that can help preserve customer relationships while still working toward payment resolution. When Should You Use a Collection Service? Businesses should consider debt collection services when: • Invoices are seriously overdue • Customers stop responding • Payment plans are broken • Internal collection efforts are unsuccessful The longer an account remains unpaid, the harder it may become to collect. Final Thoughts Debt collection services can help businesses reduce financial stress and improve overall cash flow. With the right support, companies can spend less time chasing payments and more time focusing on growth. Learn more about debt collection solutions through Melder & Melder Contact Melder & Melder, P.C. today at (248) 541-3400 to schedule a free initial phone consultation. Melder & Melder, P.C. 2304 East Eleven Mile Road Royal Oak, Michigan 48067 Telephone: (248)-541-3400 or (800)-LAW-5454 Facsimile: (248)-541-6332 info@melderandmelder.com www.melderandmelder.com

Marriage gives same-sex couples important legal rights, including inheritance protections under state law. However, those default protections do not always guarantee that your assets will go exactly where you want them to. If you pass away without a will, Michigan law determines how your estate is divided. While your spouse may receive some or even most of your assets, the outcome depends on your specific circumstances and may not reflect your personal wishes. The state’s formula does not take into account the nuances of your family relationships, your intentions, or the promises you may have made to loved ones. This becomes especially important if you: Have children from a previous relationship Own separate or premarital property Want to leave money or meaningful belongings to other family members, friends, or charities Have specific wishes about sentimental or high-value assets Without clear instructions, these situations can create uncertainty—or even conflict—among surviving family members. A will gives you control over these decisions. It allows you to: Name your spouse as your primary beneficiary Decide exactly who receives your home, financial assets, and personal belongings Specify how and when assets are distributed Choose an executor you trust to manage your estate and carry out your wishes Name a guardian for minor children For same-sex couples with blended families, a will is particularly important. It can clearly define what goes to your spouse and what goes to your children, helping to prevent confusion, disputes, or unintended disinheritance. This clarity can be invaluable during an already difficult time. It is also important to understand that a will is just one part of a complete estate plan. To fully protect your spouse and ensure your wishes are honored during your lifetime as well as after your passing, you should also consider: A financial power of attorney, which allows your spouse to manage your finances if you become unable to do so A health care directive, which authorizes your spouse to make medical decisions on your behalf in an emergency Beneficiary designations on retirement accounts and life insurance policies, which should be reviewed regularly to ensure they align with your overall plan These documents work together to provide comprehensive protection. They not only safeguard your assets but also ensure that your spouse has the legal authority to act on your behalf when it matters most. For same-sex married couples, thoughtful estate planning is about more than distributing property—it is about protecting your relationship, your family, and your legacy. Taking the time to put a plan in place can provide peace of mind and reduce stress for your loved ones in the future. At Melder & Melder, P.C., we help same-sex married couples throughout Southeast Michigan create wills and estate plans tailored to their unique needs and goals. We are committed to helping you protect the people you love and ensure your wishes are clearly documented. Contact Melder & Melder, P.C. today at (248) 541-3400 to schedule a free initial phone consultation. Melder & Melder, P.C. 2304 East Eleven Mile Road Royal Oak, Michigan 48067 Telephone: (248)-541-3400 or (800)-LAW-5454 Facsimile: (248)-541-6332 info@melderandmelder.com www.melderandmelder.com

Spring is a season known for renewal, fresh beginnings, and new milestones. For many couples, it’s also one of the most popular times of year to get married. For same-sex couples, marriage represents not only a meaningful celebration of love but also an important legal step that provides valuable rights and protections. If you’re planning a wedding this spring—or recently married—it’s a good time to understand the legal benefits of marriage and consider steps that can help protect your future, including name changes and estate planning. Same-Sex Marriage and Legal Rights In 2015, the U.S. Supreme Court’s decision in Obergefell v. Hodges established that same-sex couples have the constitutional right to marry nationwide. This landmark ruling ensured that same-sex marriages must be recognized in every state and that couples are entitled to the same legal benefits as any other married couple. More recently, the Respect for Marriage Act strengthened those protections by requiring states to recognize legally performed same-sex marriages. Because of these legal developments, married same-sex couples now have access to many important rights, including: Joint ownership of property Spousal inheritance rights The ability to make certain medical decisions for a spouse Access to retirement and Social Security benefits The ability to file taxes jointly While marriage provides these protections automatically, additional legal planning can help ensure your wishes are clearly documented. Changing Your Name After Marriage After getting married, some couples choose to adopt a shared last name, hyphenate their names, or create a new family name together. Same-sex couples have the same rights as any other married couple when it comes to changing their name. The process generally begins with obtaining a certified copy of your marriage certificate. From there, you can update your name with several agencies and institutions, including: The Social Security Administration Your driver’s license or state ID Banks and financial accounts Insurance providers Employers and payroll records Ensuring your name is consistent across all documents can help prevent complications later, particularly when dealing with financial matters or legal documents.  Planning for the Future Spring is a time for celebrating new beginnings, and for couples beginning a new chapter together, it can also be a great opportunity to think about long-term planning. Taking steps such as completing a name change, creating a will, and establishing basic estate planning documents can help ensure that your relationship and your family are protected under the law. At Melder & Melder Law Firm , we assist individuals and couples with name changes, wills, and estate planning to help protect their rights and their future. If you are planning to marry or recently married, consulting with an experienced attorney can help ensure that your legal documents reflect your wishes and provide peace of mind for the years ahead. Melder & Melder, P.C. 2304 East Eleven Mile Road Royal Oak, Michigan 48067 Telephone: (248)-541-3400 or (800)-LAW-5454 Facsimile: (248)-541-6332 info@melderandmelder.com www.melderandmelder.com

When it comes to securing your legacy and ensuring your loved ones are cared for, having a well-drafted will and understanding the probate process are essential steps. If you are a resident of Royal Oak, MI, and are considering estate planning or need assistance navigating probate, expert legal guidance can make all the difference. Why You Need a Will A will is a vital legal document that clearly outlines how your assets will be distributed after your passing. Without a will, Michigan’s intestacy laws will determine who inherits your property, which may not align with your wishes. Creating a will helps: Specify beneficiaries for your assets Appoint guardians for minor children Minimize family conflicts Expedite the probate process Understanding Probate in Michigan Probate is the court-supervised process that authenticates your will, settles your debts, and distributes your estate. While probate can be complicated and time-consuming, having an experienced attorney by your side ensures that the process is handled efficiently and with minimal stress for your family. How We Can Help As a dedicated attorney serving Royal Oak, MI, I offer comprehensive will drafting and probate services tailored to your unique situation. My services include: Drafting clear, legally sound wills Establishing trusts and other estate planning tools Guiding executors through the probate process Resolving disputes related to wills or estates Advising on estate tax implications Peace of Mind for You and Your Family Planning your estate and managing probate matters with professional legal support empowers you to safeguard your assets and care for your family’s future. If you are in Royal Oak or the surrounding areas, don’t wait to plan ahead. Contact Us Today Ready to create a will or need assistance with probate? Contact our Royal Oak office to schedule a consultation . Together, we’ll develop a personalized plan that ensures your wishes are honored and your family protected.