How to protect yourself from a spouse’s debt

n Texas, under the Texas Family Code, if the debt is unsecured (like a credit card or a student loan) then she should be more concerned. She is liable for his acts only if 1) she was acting as agent for him, or 2) the debt was for necessaries like food and clothing. Her separate property is not liable for his debts unless she also signed the debt contract.

Does driving for a charity carry risks?

This column first appeared in the San Antonio Express-News on May 29, 2018. Dear Mr. Premack: I am recently retired and am getting involved with an organization as a volunteer. They asked me if I could use my car to collect supplies and distribute brochures around town. The group is a non-profit, but I wonder…

Protecting separate assets from Medicaid

This column first appeared in the San Antonio Express News on May 4,. 2018. Dear Mr. Premack: If a Marital Property Agreement exists and finances have not been co-mingled, can the assets of one spouse be considered when the other spouse needs to apply for Medicaid assistance or is there a way to keep them…

Can MERP claim be avoided?

This column first appeared in the San Antonio Express News on November 14, 2017. Dear Mr. Premack: Our widowed mom was in a nursing home on Medicaid. She died this July. Her Will leaves her house to all her children. Last month MERP sent me a claim letter stating they will file a claim against…