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Law: System of Rules, enfocred by a set of Institutions.
About Us

Frequently Asked Questions

Who pays property taxes?
Local property taxes are paid by owners of commercial and residential real estate based on the assessed value of property.

Who gets the tax money?
In order to properly provide funding for our local school districts, school districts receive a portion of local property taxes (School tax bills). Local school districts educate our children and provide promise for both students and our Northeastern Pennsylvania communities.

What is a Power of Attorney?
This document gives one or more persons the power to act on your behalf. The power may be limited to a particular activity or general in its application, empowering one or more persons to act on your behalf in a variety of situations. It may take effective immediately or only upon the occurrence of a future event. The person named in a power of attorney will be acting on your behalf legally.

What is Title Insurance?
A title search and the issuance of title insurance means the ownership of the property can be cleanly conveyed to the new owners. During the search, the history of the property is researched verifying that all previous claims or liens have been satisfied, allowing a clear title to be issued. If any claim is overlooked, the title insurance protects the owner from the claim.

Do I need a lawyer? Contact the law firm of Chuff and Kosierowski.

Why is a Deed Required when Purchasing a Home?
A deed transfers ownership of property from one owner to the next. Deeds are recorded in the county where the property is owned.

What is Land Use?
Land use refers to restrictions on the use of land by the property owner for the common good. Traditionally, such restrictions may be imposed through either common or statutory law actions. Consequently, all new development and redevelopment must be undertaken with consideration of its resultant effect on the environment as well as on adjacent existing development.

What is the difference between a Will and Trust?
A trust enables you to create a separate legal entity to protect your property and assets from probate, taxes and public scrutiny. Trusts may be established while you are living or upon your death as set forth in your will. The type of trust you establish will determine how much control you have over the property that you place within it.

A will is a legal document that allows you to name a guardian for your child and specify who will inherit your property after you die. Without a will, you will have no say in what happens to your property.

What is Estate Planning?
As you prepare to make sure your loved ones are cared for when you are no longer there to care for them, it is important to consider developing a comprehensive estate plan that is tailored to the unique aspects of your situation, whether it be a will, trust or life insurance, etc.

What Type of Business should I Create?
There are many different ways that you can structure your business. Major types of business structures in the United States include:

bulletSole proprietorship: A simple business structure that allows a person to conduct business as his or her self. Under this
   structure the owner and his or her company are viewed as one and the same. While this is an easy way to start doing business,
   it is important to be aware that a sole proprietorship does not protect the owner from any business liabilities.

bulletPartnership: A simple business structure for businesses with more than one owner. There are two types of partnerships:
   General Partnerships and Limited Partnerships. When considering this business structure, understand that owners maintain
   personal liability for the business. Owners with limited partnerships may face limited liability.

bulletCorporation: Forming a corporation establishes a business as a separate legal entity, providing owners with limited liability
   protection. There are two types of corporations: C-Corporations and S-Corporations. There are several key differences
   between these two types of corporations, including tax issues and shareholder restrictions.

bulletLimited Liability Company: Limited liability companies establish businesses as separate legal entities from their owners, but
   allows owners to report business gains and losses on their own personal tax returns. Owners are shielded from business
   liabilities under this structure.

What is Succession Planning and do I Need it for My Company?
Business succession planning involves planning for the smooth continuation and success of a business which depends greatly on the availability of competent people. Be it profit or non-profit organization, one of the concerns is there may be no successor to drive it once the leader or key person leaves – either by choice or by circumstances. If the leader or key person does not retire (whether by old age, disability or choice) he will end his time of service when he dies. And when they do, problems often set in. The day after is often filled with chaos and uncertainty. It is important to have the right people lined up to take over any high ranking position.

What is Civil Litigation?
Civil litigation is a legal dispute between two or more parties that seeks money damages or specific performance rather than criminal sanctions. Litigation lawyers who practice civil litigation represent parties in trials, hearings, arbitrations and mediations before administrative agencies, foreign tribunals and federal, state and local courts.

What is Sales Tax?
Sales tax is to be collected on the full purchase price without any deduction on account of the cost of labor, shipping, handling, delivery, or installation. Separately stated charges for returnable containers are not subject to tax. Pennsylvania is (6%) state Sales Tax.

What is Use Tax?
If you or your business buys items that are subject to Sales Tax, for which the seller does not charge and collect the tax on the invoice (or receipt), you are personally responsible for remitting the tax directly to the PA Department of Revenue.

Who must file a personal income tax return?
If you are a PA resident, nonresident or a part-year PA resident, you must file a PA tax return. The Pennsylvania state income tax and federal income tax filing deadline falls on April 15th of every year (but may fall later if April 15th falls on a day when there is no mail service).