Replace Lost or Stolen Vital Records
Vital records consist of birth, death, marriage, and divorce certificates. Replacing all important documents that were lost or stolen can be very overwhelming. Although this process can be stressful, United LDA is will lend you a hand in helping you obtain any of these important documents.
| Standard Fees $99.99 |
Bill of Sale
What is a Bill of Sale?
A Bill of Sale is a form that a seller uses to document the sale of an item to a buyer. It serves as a receipt for personal sales and purchases and includes buyer and seller information and details about the goods, their location, and the price. If you are looking for a contract that includes warranties or more specific terms for the buyer. Both parties should fill out and retain a copy of the signed Bill of Sale as a proof of purchase or as a proof of payment. A Bill of Sale should only be used for purchases where payment is made in full at the time of purchase, and both parties accept to buy and sell the item in its current condition (“as-is”).
What does “as is” mean in a Bill of Sale?
“As is” is an important term in a Bill of Sale form. It means that the item was bought and sold in its current condition and that the buyer is accepting the item with all of its faults, whether they are apparent or not. “As is” protects the seller from having to refund the buyer for any item-related issues after the item has been received and paid for.
A Bill of Sale is used to protect both the seller and the purchaser in the case of any future issues. Since many purchases and sales between individuals are transacted using cash, it can be hard to prove that an item was received or paid for without proper documentation. For instance, in some states, such as California, a written Bill of Sale is recommended if you are buying or selling an item worth $500 or more. Without a written Bill of Sale, there might be no recourse for the buyer or seller in the event of a legal dispute.
A Bill of Sale also acts as a receipt for both parties. The seller can use it to prove that an item was sold to the purchaser “as is”, and the buyer can use it to prove that the agreed upon payment (including any trades) was made in full to the seller. It also provides a sale date to both parties, which can show when the responsibility of the item was transferred. Both the purchaser and the seller can use a Bill of Sale as evidence of the price paid for tax purposes.
If the item happens to be insurable, you may need to provide documentation to prove that you are the legal owner, or that you are no longer in possession of the item. In other words, if completed correctly, a Bill of Sale can be used as proof of ownership.
You can use a Bill of Sale form for a variety of items, such as:
It is important to note that if you are buying or selling a vehicle for $500 or more, depending on your state, a Bill of Sale might be required to register the vehicle. It’s recommended that you check the laws in your local jurisdiction to determine what you might need to properly buy or sell a vehicle in your area.
At United LDA we will draft the “bill of sale”, call us today!
| Standard Fees $49.99 |
This information is for general use and is not intended as full and comprehensive instruction. This is intended as an information tool to assist you. For additional information we recommend you seek legal advice. If you need to consult with an attorney, we will be able to provide you with a referral with one of our collaborating attorneys.
Credit Repair
Our Goal is to Improve your Credit
A bad credit score is expensive and it affects your life in many ways. It can prevent you from a job, apartment, mortgage, car loan, and credit cards. It costs many people financial opportunities and increases insurance rates. In addition, those with poor credit are required to fork out huge deposits to cover for perceived risks. It is estimated that 93% of those with criminal convictions have lower credit scores than those who do not. Bad credit affects not only you but trickles down to your entire family. Consider the following:
Your FICO score is a three-digit number that is supposed to reflect how risky it is to do business with you. It order to interpret your credit score, you need to understand the scoring range. According to the model, the higher the number, the less likely you are to default on a loan and represents a person who is exceptionally responsible. The lower the number, the more likely you are to default on a loan and represents a person irresponsible. Currently, the FICO scoring model reflects the following range:
Very Poor: 300 – 579
Fair: 580 – 669
Good: 670 – 739
Very Good: 740 – 799
Exceptional: 800 – 850
It is important to note that there isn’t just one “FICO score”. Credit scoring models vary depending on the different companies that are calculating them and there are multiple versions of a given model depending on specific industries. For instance, there is a FICO Auto Score range, a FICO Bankcard Score Range, FICO Scores and Mortgages etc. FICO’s competitor is VantageScore and has a slightly different scoring model, therefore a 700 score is different amongst the competitors.
Most consumers fall within the midrange. The average credit score in the U.S. is 680 based on the VantageScore model and 703 based on the FICO score model. Those with criminal records, along with their spouses tend to fall in the ‘fair’ to ‘very poor’ category. The reason is obvious. With less income, it is more difficult to pay the bills and easy to miss a payment. In no time, those debts are referred to collection and fines are stacked upon one another. Once a person is relegated to a low score, they are required to pay much more in fees, interest and deposits which requires the outpouring of more money and prohibits them from saving and properly investing. Credit considerations often take a back seat to more important matters, when the prospect of prison looms.
It is also important to note that banks and investment firms can close accounts at any time for any reason. It is not unusual to see banks exercise their right to close the account against those who have committed felonies and go to prison. This is true, even if the offense was not financial in nature. Account closures can and often do have negative effects on a person’s credit report and credit rating.
Most lenders use credit reference agencies to share information about their customers. This information is consolidated and provides the basis for the numerical value reflecting the credit score. Fair Isaac Corp. (FICO) suggests the following facts matter the most in score calculations:
The three credit agencies are:
They each will have a slightly different numerical value as they obtain different information from the creditors. It is important to note, that these agencies simply report the information and have nothing to do with decisions based on the information. Therefore, if information contained within the report reflects a prison address or closure due to a conviction, it may not affect the credit score but certainly can adversely affect a housing or employment decision
Our Goal is to Clean up your Credit Report and Increase your Credit Score
If you are having financial issues, contact us. We are board certified credit consultants with the training and experience to assist you with your problems. With careful planning and proven strategies, we strive to methodically remove inaccurate and unverifiable entries on your credit report with a goal to clean up your credit report and increase your credit score. We are licensed, bonded and registered with the California Department of Justice so you can feel confident in our credentials.
This information is for general use and is not intended as full and comprehensive instruction. This is intended as an information tool to assist you. For additional information we recommend you seek legal advice. If you need to consult with an attorney, we will be able to provide you with a referral with one of our collaborating attorneys.
Notary Public
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Business Formation
There are many different ways in which a business is conducted. Selecting the right business structure for your new business helps maximize your chances of financial and operational success. You must decide what form of business entity to establish. Keep in mind that the business structure to choose influences everything from everyday operations, to taxes, to how much of your personal assets are at risk.
The most common forms of business structures and corporations include, limited liability companies (LLC), partnerships, S corporation, C corporation, and sole proprietorships.
United LDA will help you generate the necessary business formation documents at an affordable price. We will also offer services such as: entity name availability check, entity name reservation, filing of DBA, obtaining EIN, preparation of form 2553. Choose the best bundle for your business.
This information is for general use and is not intended as full and comprehensive instruction and is not a substitute for legal advice. This is intended as an information tool to assist you. If you need to consult with an attorney, we will be able to provide you with a referral with one of our collaborating attorneys. Each package starts at a different price, but the total cost depends on what you choose to implement.
Limited Liability Company
The LLC company structure continues the modern trend of combining the best features of a partnership with those of a corporation. Its primary characteristics are that its owners have limited liability (like shareholders in a corporation) and it is taxed as a partnership, meaning that all income earned by the entity is passed through the company to the owners who pay taxes at whatever rate is applicable to them. An LLC can be created only by complying with pertinent state statutes.
Package starts at $ 79.00(+ filing fees).
| Benefits on an LLC | |||
| Legal protection. Creating an LLC gives you limited liability for business debts and obligations. An LLC protects you and your personal assets- including home, bank accounts and vehicle from liability if your business is ever sued. | Flexible Management: Managed by its members or appoint a manager that is not a member of the LLC. Requires fewer formalities, does not required to have a board of directors or shareholders and there is more option in setting up management structure. | One-Person LLCs: Sole proprietors may form an LLC to protect their assets from personal liability. | Pass-Through Tax Status. There’s no need to file a corporate tax return. LLC owners report their share of profit and loss on their individual tax returns, avoiding double taxation. By default, LLC’s are taxed as pass0through entities, but you can decide to be taxed as corporation or an S corporation |
| Bundle | Basic $79.00+ State fees (CA: $70.00) | Standard $329 + State fees (CA: $70.00) | Premium $349 + State fees (CA: $70.00) |
| Entity Name Availability Check We’ll perform the search to see if your proposed name is allowed and available. | x | x | x |
| Entity Name Reservation Calendar expiration of name for 60 days | x | x | x |
| Prepare Articles of Incorporation or sometimes called a Certificate of Organization | x | x | x |
| LLC Filing Complete documentation and file it with the state | x | x | x |
| Corporate Kit Will enable you to set up a Corporate Records Book. | x | x | |
| Expedited Processing Prioritizing your order to complete it within 7-10 business days. | x |
Business Corporations
A business corporation is an entity created by the person or persons who organize it. This legal entity may own property, enter into contracts, sue and be sued. Because it is a person, it is subject to taxation. It’s owners, called shareholders, also pay tax on certain distributions made to them, such as cash dividends. This is often referred to as double taxation. Shareholders are protected from liability and their loss is limited to the amount of money they invest in the corporation. Although the shareholders own the corporation, the corporation is managed by its board of directors. The directors typically appoints officers to carry out the directors’ policies and goals for the corporation. A corporation is subject to regulatory control by the state in which it is formed as well as any other state in which it does business.
| S Corporation | C Corporation |
| Certain small business corporations that adhere to specific requirements of the IRS Code are provided relief against double taxation, typically common to business corporations. S corps allow profits, and some losses, to be passed thoroughly directly to owners’ personal income without ever being subject to corporate tax rates. The corporation itself does not pay tax and all income earned is passed through the corporation to the shareholders. All shareholders (who must not number more than 100) must agree to the election of “S status”and must file with the IRS to get S corp status. All shareholders must be U.S Citizens. S corps have completely independent life separate from its shareholders. If a shareholder leaves the company or sells his or her shares, the corporation can continue doing business relatively undisturbed. S corps can be a good choice for a business that would otherwise be a C corpo but meet the criteria to file as an S corp. | A typical (standard) business corporation is referred to as a C corporation under IRS rules. It’s a legal entity that’s separate from its owners. Corporations can make profit, be taxed, and can be held legally liable. They offer the strongest protection to its owners from personal liability, but the cost to form is higher than other structures. They also require more extensive record-keeping, operational process, and reporting. Pay income tax on their profits and sometimes taxed twice- first, when the company makes a profit, and again when dividends are paid to shareholders on their personal tax returns. C Corps have completely independent life separate from its shareholders. If a shareholder leaves the company or sells his or her shares, the corporation can continue doing business relatively undisturbed. An advantage when it comes to raising capital because they can raise funds through the sale of stock, which can also benefit in attracting employees. C corporation can be a good choice for medium-or higher risk businesses that need to raise money, and businesses that plan to go public or eventually be sold. |
Package starts at $149.00 (plus filing fees).
| Bundle | Basic $149 + State fees (CA: $115.00) | Standard $329 + State fees (CA: $115.00) | Premium 349 + State fees (CA: 115.00) |
| Entity Name Availability Check We’ll perform the search to see if your proposed name is allowed and available. | x | x | x |
| Entity Name Reservation Calendar expiration of name for 60 days | x | x | x |
| Prepare Articles of Incorporation or sometimes called a Certificate of Formation | x | x | x |
| Filing Complete documentation and file it with the state | x | x | x |
| Corporate Kit Will enable you to set up a Corporate Records Book. | x | x | |
| Certificates & Seal 20 personalized company share certificates and one official company seal | x | x | |
| Expedited Processing Prioritizing your order to complete it within 7-10 business days. | x |
Sole Proprietorship
In a sole proprietorship, one individual owns all the business assets and is the sole decision-make. The sole proprietor has unlimited personal liability for all business debts. This form of enterprise is the most commonly selected form of business for new enterprises.
| Benefits of a Sole Proprietorship | ||
| Ownership. Owner is sole decision maker. Best to file for a DBA. | Formation. Easy and inexpensive to form and operate. | Pass-through tax status. Owner reports business profit and loss on their personal tax return. |
Since there is no need to file paperwork to start this form of business entity. There is some preparation to consider, filing for a Doing Business As(DBA), if you don’t want your legal name of your business to be your own name. You may also want to consider obtaining permits and/or licenses to legally operate your business.
Package starts at $99.00 (plus filing fees).
| DBA Bundle | Standard $99 + County fees |
| Name Search | x |
| Completion & Filing of DBA Application | x |
| Publication of DBA | x |
| Filing Proof of Publication | x |
Non Profit Corporation or 501(c)(3) Corporations
Under IRS Code 501(c)(3) a nonprofit corporation may be formed to operate for some religious, charitable, educational, literary or scientific purpose and is eligible for certain Federal and State tax exemptions. These five purposes are usually included as purposes accepted by the individual states as a valid nonprofit corporate purpose. A nonprofit corporation, however, cannot issues shares and cannot pay dividends and, upon dissolution, may distribute its remaining assets to another nonprofit group.
Nonprofit corporations need to follow organizational rules very similar to C corp. They also need to follow special rules about what they do with any profit they earn.
| Benefits of a Nonprofit | ||
| Tax Exemption. Eligible for federal exemption from payment of corporate income tax. Once exempt from this tax, the nonprofit will usually be exempt from similar state and local taxes. If an organization has obtained 501(c)(3) tax exempt status, an individual’s or company’s charitable contributions to this entity are tax-deductible | Eligibility for public and private grants.Many foundations and government agencies limit their grants to public charities. Nonprofit organizations also can offer tax deductions to individuals or businesses that give charitable contributions | Limited liability. The founders, directors, members, and employees are not personally liable for the nonprofit’s debts. |
Package starts at $ 99.00 (plus filing fees).
| Bundle | Basic $99.00 + State fees (CA: $49.00) | Standard $239 + State fees (CA: $49.00) | Premium 359 + State fees (CA: 49.00) |
| Entity Name Availability Check We’ll perform the search to see if your proposed name is allowed and available. | x | x | x |
| Entity Name Reservation Calendar expiration of name for 60 days | x | x | x |
| Prepare Articles of Incorporation | x | x | x |
| Filing Complete documentation and file it with the state | x | x | x |
| Nonprofi Kit | x | x | |
| Certificates & Seal 20 personalized company share certificates and one official company seal | x | x | |
| Corporate Minutes Forms | x | x | |
| Expedited Processing Prioritizing your order to complete it within 7-10 business days. | X |
EIN
What is an Employer Identification Number (EIN)?
An EIN is an Employer Identification number, or Federal Tax Identification Number, allows the IRS to identify taxpayers and keep track of a business’s tax reporting.
Will I need an EIN number?
The IRS requires most business entities to have an EIN – corporations, LLC, partnerships, sole proprietors- who want to keep their own Social Security number private can also apply for and EIN.
By obtaining an EIN, a business owner is able to file tax returns, open a business account, and apply for business licenses.
| EIN Pricing | Standard $79.00 |
| Filing of your EIN application with the IRS | x |
FBN / DBA
What Is a Fictitious Business Name?
A fictitious business name is any name other than the corporate name stated in its articles of incorporation.
Is a FBN and a DBA the same?
Yes.
What Is The Purpose of a FBN?
To make available to the public the identities of those persons or entities doing business under fictitious business names. A business name that DOES NOT include the surname of an individual owner.
Publication
The registrant must publish the statement once a week for 4 consecutive weeks in a legally adjudicated newspaper of general circulation in the county where the fictitious business name is filed.
The first publication of the statement must appear in the newspaper within 30 days from the filing date or it becomes obsolete and must be refiled as a new statement.
Call us today to get started, we know the process.
Package starts at $99.00 (plus filing fees).
| DBA Bundle | Standard $99 + County fees |
| Name Search | x |
| Completion & Filing of DBA Application | x |
| Publication of DBA | x |
| Filing Proof of Publication to the Appropriate Agency | x |