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	<title>Suttons Bay Law &#187; Know it Now</title>
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	<link>http://www.suttonsbaylaw.com</link>
	<description>Suttons Bay Attorney Dan A. Penning - The Suttons Bay Law Offices of The Penning Group Advisors &#38; Attorneys - The Home of Cottage Law - 231.271.4500</description>
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		<title>What Happens to Credit Card Debt After Death?</title>
		<link>http://www.suttonsbaylaw.com/2011/12/06/what-happens-to-credit-card-debt-after-death/</link>
		<comments>http://www.suttonsbaylaw.com/2011/12/06/what-happens-to-credit-card-debt-after-death/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 12:00:36 +0000</pubDate>
		<dc:creator>Dan Penning</dc:creator>
				<category><![CDATA[Know it Now]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[community property states]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards after death]]></category>
		<category><![CDATA[debt of deceased person]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[federal trade commission guidelines for debt collection]]></category>
		<category><![CDATA[insolvent estate]]></category>

		<guid isPermaLink="false">http://www.suttonsbaylaw.com/?p=410</guid>
		<description><![CDATA[The general rule is that any debt of a deceased person, including credit cards and medical bills, are solely the responsibility of the decedent or the decedent's estate. The general rule assumes that no other person was the signer or joint obligator on any particular account or debt of the deceased person. If an account is the deceased person's alone, the debt is the deceased person's alone.]]></description>
		<wfw:commentRss>http://www.suttonsbaylaw.com/2011/12/06/what-happens-to-credit-card-debt-after-death/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When Employers Can Be Liable for an Employee&#8217;s Debt</title>
		<link>http://www.suttonsbaylaw.com/2011/11/21/when-employers-can-be-liable-for-an-employees-debt/</link>
		<comments>http://www.suttonsbaylaw.com/2011/11/21/when-employers-can-be-liable-for-an-employees-debt/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 12:00:21 +0000</pubDate>
		<dc:creator>Dan Penning</dc:creator>
				<category><![CDATA[Asset Protection]]></category>
		<category><![CDATA[Employment Law]]></category>
		<category><![CDATA[Know it Now]]></category>
		<category><![CDATA[employee garnishment]]></category>
		<category><![CDATA[employer responsibilities]]></category>
		<category><![CDATA[garnishee disclosure form]]></category>
		<category><![CDATA[state of michigan]]></category>

		<guid isPermaLink="false">http://www.suttonsbaylaw.com/?p=388</guid>
		<description><![CDATA[Employers, however, face a huge risk relative to its employees' garnishment proceedings because in the State of Michigan, employers can be held liable for the entire debt of the employee that is subject of the garnishment, including court costs and attorney's fees, if the employer fails to comply with certain requirements.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Gifting to Avoid Estate and Gift Taxes</title>
		<link>http://www.suttonsbaylaw.com/2011/10/25/gifting-to-avoid-estate-and-gift-taxes/</link>
		<comments>http://www.suttonsbaylaw.com/2011/10/25/gifting-to-avoid-estate-and-gift-taxes/#comments</comments>
		<pubDate>Tue, 25 Oct 2011 12:00:05 +0000</pubDate>
		<dc:creator>Dan Penning</dc:creator>
				<category><![CDATA[Asset Protection]]></category>
		<category><![CDATA[Business Succession]]></category>
		<category><![CDATA[Cottage Law]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Know it Now]]></category>
		<category><![CDATA[1932 gift tax]]></category>
		<category><![CDATA[annual exclusion]]></category>
		<category><![CDATA[estate taxes]]></category>
		<category><![CDATA[gift assets]]></category>
		<category><![CDATA[gift tax]]></category>
		<category><![CDATA[gift tax exceptions]]></category>
		<category><![CDATA[gifting]]></category>
		<category><![CDATA[overall gift tax exemption]]></category>
		<category><![CDATA[tax-free transfers]]></category>
		<category><![CDATA[tax-free transfers of assets]]></category>

		<guid isPermaLink="false">http://www.suttonsbaylaw.com/?p=325</guid>
		<description><![CDATA[Going, Going, Gone! U.S. taxpayers are experiencing a &#8220;perfect storm&#8221; of opportunity to make tax-free transfers (gifts) of assets such as family businesses, real estate and other wealth from one generation to the next. The gift tax was first enacted in 1932 by the federal government. Over the coming months, we all have what may [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Employer Social Media Policies and Employee Rights</title>
		<link>http://www.suttonsbaylaw.com/2011/10/11/employer-social-media-policies-and-employee-rights/</link>
		<comments>http://www.suttonsbaylaw.com/2011/10/11/employer-social-media-policies-and-employee-rights/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 06:16:24 +0000</pubDate>
		<dc:creator>Dan Penning</dc:creator>
				<category><![CDATA[Employment Law]]></category>
		<category><![CDATA[Know it Now]]></category>
		<category><![CDATA[facebook]]></category>
		<category><![CDATA[national labor relations act]]></category>
		<category><![CDATA[national labor relations board]]></category>
		<category><![CDATA[nlra]]></category>
		<category><![CDATA[nlrb]]></category>
		<category><![CDATA[protected concerted activity]]></category>
		<category><![CDATA[protected speech]]></category>
		<category><![CDATA[social media]]></category>
		<category><![CDATA[social media policy]]></category>
		<category><![CDATA[terms and conditioons of employment]]></category>

		<guid isPermaLink="false">http://www.suttonsbaylaw.com/?p=299</guid>
		<description><![CDATA[Judge Rules on Employee and Facebook Post. We have previously provided information regarding social media and how employee postings on various websites may or may not affect the employment status of employees.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Automobile Rentals &#8211; What Every Person Should Know About Insurance Issues</title>
		<link>http://www.suttonsbaylaw.com/2011/09/12/automobile-rentals-what-every-person-should-know-about-insurance-issues/</link>
		<comments>http://www.suttonsbaylaw.com/2011/09/12/automobile-rentals-what-every-person-should-know-about-insurance-issues/#comments</comments>
		<pubDate>Tue, 13 Sep 2011 02:07:24 +0000</pubDate>
		<dc:creator>Dan Penning</dc:creator>
				<category><![CDATA[Asset Protection]]></category>
		<category><![CDATA[Know it Now]]></category>
		<category><![CDATA[applicable deductibles]]></category>
		<category><![CDATA[assume all risk]]></category>
		<category><![CDATA[auto collision damage waiver]]></category>
		<category><![CDATA[auto rental collision damage waiver]]></category>
		<category><![CDATA[automobile rentals]]></category>
		<category><![CDATA[benefit of credit card membership]]></category>
		<category><![CDATA[car rental companies]]></category>
		<category><![CDATA[car rental contract]]></category>
		<category><![CDATA[car rental physical damage waiver]]></category>
		<category><![CDATA[car rentals]]></category>
		<category><![CDATA[injuries]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[insurance options]]></category>
		<category><![CDATA[liability coverage]]></category>
		<category><![CDATA[limits in the policy]]></category>
		<category><![CDATA[optional damage waiver]]></category>
		<category><![CDATA[primary insurance coverage]]></category>
		<category><![CDATA[repair physical damage]]></category>
		<category><![CDATA[replacemenjt vehicle]]></category>
		<category><![CDATA[surcharges]]></category>

		<guid isPermaLink="false">http://www.suttonsbaylaw.com/?p=260</guid>
		<description><![CDATA[Have you ever stood at an automobile rental counter while traveling staring at a rental contract trying to figure out what the insurance options mean? &#8220;Should I buy additional coverage through the rental car company or am I paying for coverage I already have based on my insurance coverage for my own vehicle?&#8221; Consider the [...]]]></description>
		<wfw:commentRss>http://www.suttonsbaylaw.com/2011/09/12/automobile-rentals-what-every-person-should-know-about-insurance-issues/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Unexpected Mental Illness and the Designation of a Patient Advocate</title>
		<link>http://www.suttonsbaylaw.com/2011/08/30/unexpected-mental-illness-and-the-designation-of-a-patient-advocate/</link>
		<comments>http://www.suttonsbaylaw.com/2011/08/30/unexpected-mental-illness-and-the-designation-of-a-patient-advocate/#comments</comments>
		<pubDate>Tue, 30 Aug 2011 05:16:43 +0000</pubDate>
		<dc:creator>Dan Penning</dc:creator>
				<category><![CDATA[Asset Protection]]></category>
		<category><![CDATA[Know it Now]]></category>
		<category><![CDATA[Personal Management]]></category>
		<category><![CDATA[advocate for care]]></category>
		<category><![CDATA[drug interactions]]></category>
		<category><![CDATA[erroneous diagnosis]]></category>
		<category><![CDATA[medical care]]></category>
		<category><![CDATA[mental health]]></category>
		<category><![CDATA[mental health care]]></category>
		<category><![CDATA[mental health providers]]></category>
		<category><![CDATA[metabolic imbalance]]></category>
		<category><![CDATA[patient advocate]]></category>
		<category><![CDATA[patient advocate forms]]></category>
		<category><![CDATA[psychiatric care]]></category>
		<category><![CDATA[treatment]]></category>
		<category><![CDATA[wrong diagnosis]]></category>

		<guid isPermaLink="false">http://www.suttonsbaylaw.com/?p=244</guid>
		<description><![CDATA[Many of us know someone or will possibly be responsible for someone that is affected by mental illness.]]></description>
		<wfw:commentRss>http://www.suttonsbaylaw.com/2011/08/30/unexpected-mental-illness-and-the-designation-of-a-patient-advocate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>News Briefs and Emerging Trends with Golden Boomers</title>
		<link>http://www.suttonsbaylaw.com/2011/08/03/news-briefs-and-emerging-trends-with-golden-boomers/</link>
		<comments>http://www.suttonsbaylaw.com/2011/08/03/news-briefs-and-emerging-trends-with-golden-boomers/#comments</comments>
		<pubDate>Wed, 03 Aug 2011 05:03:24 +0000</pubDate>
		<dc:creator>Dan Penning</dc:creator>
				<category><![CDATA[Asset Protection]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Know it Now]]></category>
		<category><![CDATA[Personal Management]]></category>
		<category><![CDATA[baby boomers]]></category>
		<category><![CDATA[estate plan]]></category>
		<category><![CDATA[financial well being]]></category>
		<category><![CDATA[generation jones]]></category>
		<category><![CDATA[golden boomers]]></category>
		<category><![CDATA[personal legal health]]></category>
		<category><![CDATA[succession plan]]></category>
		<category><![CDATA[wealth advisory]]></category>

		<guid isPermaLink="false">http://www.suttonsbaylaw.com/2011/08/03/news-briefs-and-emerging-trends-with-golden-boomers/</guid>
		<description><![CDATA[Every day my in box fills with information from many sources. Some is from mainstream media, trade journals, special reports and various reviews and findings from the legal and wealth advisory community. Often, while reading an article or report, many people come to mind that I think might also share an interest in the information. [...]]]></description>
		<wfw:commentRss>http://www.suttonsbaylaw.com/2011/08/03/news-briefs-and-emerging-trends-with-golden-boomers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Preparing Your Heirs for Their Inheritance</title>
		<link>http://www.suttonsbaylaw.com/2011/07/18/preparing-your-heirs-for-their-inheritance/</link>
		<comments>http://www.suttonsbaylaw.com/2011/07/18/preparing-your-heirs-for-their-inheritance/#comments</comments>
		<pubDate>Tue, 19 Jul 2011 04:30:24 +0000</pubDate>
		<dc:creator>Dan Penning</dc:creator>
				<category><![CDATA[Asset Protection]]></category>
		<category><![CDATA[Business Succession]]></category>
		<category><![CDATA[cottage succession planning]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Know it Now]]></category>
		<category><![CDATA[Personal Management]]></category>
		<category><![CDATA[Cottage Law]]></category>
		<category><![CDATA[estage plan]]></category>
		<category><![CDATA[family assets]]></category>
		<category><![CDATA[family values]]></category>
		<category><![CDATA[inheritance]]></category>
		<category><![CDATA[preservation of family wealth]]></category>
		<category><![CDATA[succession]]></category>

		<guid isPermaLink="false">http://www.suttonsbaylaw.com/2011/07/18/preparing-your-heirs-for-their-inheritance/</guid>
		<description><![CDATA[As we counsel clients during the preparation of their estate plans, one concern is usually very evident &#8211; parents are worried that their children will squander the funds and assets that they worked very hard to accumulate. This concern can be addressed in many ways, but usually, parents request specific provisions in their estate planning [...]]]></description>
		<wfw:commentRss>http://www.suttonsbaylaw.com/2011/07/18/preparing-your-heirs-for-their-inheritance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Join Us in Supporting Our Communities</title>
		<link>http://www.suttonsbaylaw.com/2011/07/13/join-u-in-supporting-our-communities/</link>
		<comments>http://www.suttonsbaylaw.com/2011/07/13/join-u-in-supporting-our-communities/#comments</comments>
		<pubDate>Thu, 14 Jul 2011 03:30:58 +0000</pubDate>
		<dc:creator>Dan Penning</dc:creator>
				<category><![CDATA[Know it Now]]></category>
		<category><![CDATA[alley regally]]></category>
		<category><![CDATA[community events]]></category>
		<category><![CDATA[farmington duck race]]></category>
		<category><![CDATA[farmington farmers and artisans market]]></category>
		<category><![CDATA[farmington farmington hills afterschool program]]></category>
		<category><![CDATA[farmington founders festival]]></category>
		<category><![CDATA[greater farmington area chamber of commerce]]></category>
		<category><![CDATA[leelanau conservancy picnic and auction]]></category>
		<category><![CDATA[legato salon]]></category>
		<category><![CDATA[shiawassee park]]></category>
		<category><![CDATA[suttons bay fireworks]]></category>

		<guid isPermaLink="false">http://www.suttonsbaylaw.com/2011/07/13/join-wright-penning-and-beamer-in-supporting-our-communities/</guid>
		<description><![CDATA[Leelanau Conservancy Annual Picnic and Auction In Suttons Bay we are supporting and serving as a sponsor of the Leelanau Conservancy&#8217;s 2011 Picnic and Auction. The Conservancy&#8217;s Annual Picnic and Auction will be held Thursday, August 4, 2011. Over 700 people attended the 2010 auction and over $100,000 was raised to help the Leelanau Conservancy [...]]]></description>
		<wfw:commentRss>http://www.suttonsbaylaw.com/2011/07/13/join-u-in-supporting-our-communities/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Value of Summer Memories at The Family Cottage</title>
		<link>http://www.suttonsbaylaw.com/2011/06/21/the-value-of-summer-memories-at-the-family-cottage/</link>
		<comments>http://www.suttonsbaylaw.com/2011/06/21/the-value-of-summer-memories-at-the-family-cottage/#comments</comments>
		<pubDate>Tue, 21 Jun 2011 05:09:37 +0000</pubDate>
		<dc:creator>Dan Penning</dc:creator>
				<category><![CDATA[Cottage Law]]></category>
		<category><![CDATA[cottage succession planning]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Know it Now]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[]]></category>
		<category><![CDATA[avoid uncapping of property]]></category>
		<category><![CDATA[family cottage sharing]]></category>
		<category><![CDATA[family cottages]]></category>
		<category><![CDATA[klooster v charlevoix]]></category>
		<category><![CDATA[protect the family cottage]]></category>
		<category><![CDATA[right to partition]]></category>
		<category><![CDATA[summer vacations]]></category>

		<guid isPermaLink="false">http://www.suttonsbaylaw.com/2011/06/21/the-value-of-summer-memories-at-the-family-cottage/</guid>
		<description><![CDATA[It doesn&#8217;t matter what time of day you arrive, everything always looks the same. Granted, the trees are taller and wildflowers seem to be growing everywhere. But your family cottage is the same to you today as it&#8217;s always been. Cubby holes filled with trinkets and treasures While waving hello to neighboring friends you realize [...]]]></description>
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