One toolkit for the paperwork that runs a small business — no signup, instant PDF.
Demand Letter / Demand for Payment
Someone owes you money? Send a proper Demand Letter — the formal step that gets most debts paid before it goes to collections or court. PaperKit describes the debt (an unpaid invoice, a loan or promissory note, a breach of contract, or any obligation), itemizes the principal and an optional late fee, and — if you turn on interest — computes the accrued interest (annual rate × days overdue) and a daily per-diem, totalling the amount now due for you. Pick how firm it is: a friendly reminder, a formal demand for payment, or a firm final notice that spells out the collections and legal consequences of non-payment. Optionally reserve your right to recover collection costs and attorney fees. Hosted online with a certificate of service where the debtor can e-acknowledge receipt (proof of service). Clean PDF.
Open tool →Subordination Agreement
Taking on new senior financing, or lending behind an existing lender? PaperKit drafts a proper Subordination Agreement: a junior creditor agrees its debt and/or its lien against a common debtor ranks BEHIND a senior creditor's. It's the lending-branch companion to a security agreement and a personal guaranty. Pick what's subordinated: full debt subordination (the junior debt sits entirely behind the senior debt — no payments on it until the senior debt is paid in full), lien priority only (the junior keeps its ordinary payment rights, but its lien ranks behind the senior lien regardless of filing order), or payment subordination with blockage (the junior is paid in the ordinary course until a senior default triggers a payment-blockage notice and a standstill). Choose the context — a commercial loan, a real-estate/mortgage subordination, or an intercreditor deal — set the two debt amounts and the standstill window, and PaperKit computes the combined debt and the junior tranche's share, adds standstill-on-enforcement and turnover-of-payments protection, and assembles the whole agreement. Hosted online for the junior creditor to review & e-sign. Clean PDF.
Open tool →Forbearance Agreement
A borrower has fallen behind, and you'd rather work it out than foreclose or accelerate? PaperKit drafts a proper Forbearance Agreement: the lender agrees to temporarily hold off on its remedies for a set forbearance period, in exchange for the borrower's acknowledgment of the debt and the default and a plan to get current. Pick the workout: a standstill (the lender simply holds off while a longer-term fix is worked out), a cure plan (the borrower catches up the arrears over the period — PaperKit computes the monthly catch-up installment), or a paydown (a lump-sum paydown up front plus modified payments, with the remaining balance computed for you). Choose the context — a commercial loan, a real-estate/mortgage workout, or equipment financing — set the outstanding balance, the arrears and the period, and PaperKit adds acknowledgment-and-reaffirmation, forbearance-default reactivation, no-waiver/reservation-of-rights and a borrower release, then assembles the whole agreement. Hosted online for the borrower to review & e-sign. Clean PDF.
Open tool →Loan Modification Agreement
A borrower needs a permanent fix — not just a temporary forbearance — to keep the loan on track? PaperKit drafts a proper Loan Modification Agreement: the lender and borrower permanently amend the loan's economic terms going forward. Pick what changes: a rate change (a new interest rate going forward — PaperKit recomputes the amortized monthly payment at the new rate), a maturity extension (stretch the term to lower the payment — PaperKit re-amortizes over the extended term), or capitalize arrears (roll the past-due amounts into principal to bring the loan current — PaperKit computes the new principal and payment). Choose the context — a commercial loan, a real-estate/mortgage modification, or a consumer loan — set the outstanding balance, rate and remaining term, and PaperKit computes the new principal-and-interest payment, adds acknowledgment-and-reaffirmation, a liens-continue/no-novation clause and the modified payment schedule, then assembles the whole agreement. It's the lending-branch companion to the forbearance agreement (the permanent restructure that follows the temporary hold-off). Hosted online for the borrower to review & e-sign. Clean PDF.
Open tool →Deed in Lieu of Foreclosure Agreement
A modification or forbearance wasn't enough and the loan can't be saved — but you'd rather not spend months and money on a foreclosure? PaperKit drafts a proper Deed in Lieu of Foreclosure Agreement: the borrower voluntarily conveys the mortgaged property back to the lender to satisfy or reduce the debt and avoid foreclosure. Pick the settlement: full satisfaction (the conveyance wipes out the debt and the lender releases the borrower), partial reduction (the property is credited at its agreed value and PaperKit computes the surviving deficiency the borrower still owes), or cash for keys (the lender pays a relocation incentive for a clean, timely move-out). Choose the context — a residential or a commercial mortgage — set the outstanding balance, the property value and the move-out date, and PaperKit adds a voluntary/arm's-length estoppel affidavit, an anti-merger/preservation-of-remedies clause, a borrower release and the conveyance, possession and representation sections, then assembles the whole agreement. It's the workout-branch rung after the loan modification (when the property has to go back). Hosted online for the borrower/grantor to review & e-sign. Clean PDF.
Open tool →Release of Lien / Satisfaction of Mortgage
The debt has been paid off and now you need to clear the lien of record so the owner gets clean title? PaperKit drafts a proper, recordable Release of Lien: the lienholder certifies the secured obligation is satisfied and releases its lien. Pick the lien: a satisfaction of mortgage / release of deed of trust (recites the recorded mortgage and its book/page/instrument no.), a UCC-3 termination / release of security interest (recites the UCC-1 file no.), a release of a mechanic's / construction lien (recites the claim and the property improved), or a release / satisfaction of a judgment lien (recites the judgment and court/case no.). Choose the scope — a full release that satisfies and discharges the whole lien, or a partial release of a specific parcel or item of collateral while the lien continues on the rest (PaperKit computes the remaining secured balance). Add an acknowledgment-of-payment / paid-in-full recital, a waiver of further claims, and an authorization-to-record direction to the recorder or filing office, and PaperKit assembles the whole instrument. Unlike the other docs, the LIENHOLDER is the one who executes and e-signs it — it's a recordable certificate that closes out the deal. Hosted online for the lienholder to review & e-sign. Clean PDF.
Open tool →Lien Waiver (Conditional / Unconditional · Progress / Final)
Getting paid on a construction job and the owner, GC or lender wants a lien waiver before they cut the check? PaperKit drafts the exact statutory waiver: the claimant (a general contractor, subcontractor or material supplier) waives and releases its mechanic's-lien, payment-bond and stop-notice rights in exchange for payment. Pick the form — the single most important choice on any construction payment: a conditional waiver on a progress payment (effective only once the check actually clears, covering work through a date), an unconditional waiver on a progress payment (effective the instant it's signed — never sign it before you're paid), a conditional waiver on final payment, or an unconditional waiver on final payment (releases everything, including retention). Conditional vs unconditional is an effectiveness switch (does it bite before the money is in hand?); progress vs final is a scope switch (this draw only, or the whole job). Choose the role, set the contract amount, this payment, amount paid to date and retention %, and PaperKit computes the retention (reserved on a progress waiver, released on a final one) and the remaining unpaid balance, adds a reserved/excepted-claims carve-out for disputed extras and pending change orders, and assembles the whole waiver. The claimant is the one who executes and e-signs it. Hosted online for the claimant to review & e-sign. Clean PDF.
Open tool →UCC-3 Financing Statement Amendment
Filed a UCC-1 to perfect a security interest and now need to keep it alive, change it, hand it off or end it? PaperKit drafts the exact UCC-3 statement the secured party files against the original financing statement. Pick the filing-lifecycle action — a continuation (continue the UCC-1's effectiveness for another five years; must be filed in the six months before it lapses — PaperKit computes the lapse year from the original filing year and the new continued-through year), an amendment (change what's on file — add, delete or restate the collateral, or change a debtor/secured-party name or address), an assignment (assign your rights and power as secured party to an assignee), or a termination (the financing statement is no longer effective — the Article-9 close-out). For an amendment, choose whether you're adding, deleting or restating collateral, and PaperKit builds the change section (with a debtor-authorization recital where UCC § 9-509 requires it to add collateral). Recite the UCC-1 file number, filing office and date, set the collateral, and PaperKit assembles the whole statement with an authorization-to-file direction to the filing office. Unlike most docs, the SECURED PARTY is the one who executes and e-signs it — a one-party filing certificate that maintains the whole UCC / Article-9 branch. Hosted online for the secured party to review & e-sign. Clean PDF.
Open tool →Deed of Reconveyance / Full Reconveyance
The mortgage loan is paid off and the property is held under a deed of trust — now you need to clear it off title so the owner holds clean title? In deed-of-trust states a mortgage isn't just a two-party lien: a neutral trustee holds legal title as security, and when the note is paid the lender (beneficiary) directs that trustee to reconvey. PaperKit drafts the exact recordable Deed of Reconveyance the trustee executes. Pick the scope — a full reconveyance (the note is paid in full, the trustee reconveys the whole property and the deed of trust is released of record) or a partial reconveyance (only a specific parcel or lot is released from the deed of trust while it continues on the rest, and PaperKit computes the remaining secured balance). Choose residential or commercial, recite the deed of trust (with its recording book/page/instrument number), the promissory note, the trustor, the beneficiary and the trustee, and PaperKit adds a satisfaction recital, a beneficiary-direction recital and an authorization-to-record direction, then assembles the whole instrument. Unlike the other docs, the neutral TRUSTEE — not the lender or the borrower — is the one who executes and e-signs it. Hosted online for the trustee to review & e-sign. Clean PDF.
Open tool →Substitution of Trustee (Reconveyance / Foreclosure / Administration)
The property is held under a deed of trust and you need to change the trustee — the lender (beneficiary) has the power to appoint a successor trustee, and this is the recordable instrument that does it. Unlike the reconveyance (which the trustee signs), the Substitution of Trustee is drafted and e-signed by the BENEFICIARY. Pick the purpose: appoint a successor to reconvey once the loan is paid (the combined “Substitution of Trustee and Full Reconveyance”), appoint a foreclosure trustee to proceed under the power of sale after a default, or appoint a successor for general administration when the original trustee has resigned or cannot act. Choose residential or commercial, recite the deed of trust (with its recording book/page/instrument number), the note, the trustor, the original trustee and the newly appointed successor trustee, and PaperKit adds the appointment, a purpose-specific direction (to reconvey with a paid-in-full recital, or to foreclose with the amount in default), and an acceptance-by-successor block, then assembles the whole instrument. Hosted online for the beneficiary to review & e-sign. Clean PDF.
Open tool →Notice of Default & Election to Sell / Notice of Trustee's Sale
A deed-of-trust loan has gone into default and you need to start the non-judicial foreclosure — this is the recordable, served notice that opens the power-of-sale clock. In deed-of-trust states the lender (beneficiary) directs the foreclosure trustee to give notice, and PaperKit drafts the exact instrument the trustee records and serves. Pick the stage: a Notice of Default and Election to Sell (recite the default, DEMAND reinstatement of the past-due arrears plus fees by a cure deadline — PaperKit adds them up for you — and elect to sell under the power of sale), or, once the cure period has expired, a Notice of Trustee's Sale that sets the auction date, time and place and the total unpaid balance. Choose residential or commercial, recite the deed of trust (with its recording book/page/instrument number), the note, the trustor / borrower in default, the beneficiary and the trustee, and PaperKit assembles the whole notice with the default recital, the reinstatement / cure demand, the election-to-sell (or sale-details) section and a borrower-rights section. Like the reconveyance, the neutral foreclosure TRUSTEE — not the lender or the borrower — is the one who executes and e-signs it; the borrower is the party served. Hosted online for the trustee to review & e-sign. Clean recordable PDF.
Open tool →Property Deed Maker (Quitclaim / Warranty / Grant)
You need to convey real property from one owner to another and record it — this is the deed that does it. A grantor conveys the property to a grantee, and PaperKit drafts the recordable instrument with the exact operative granting words for the type you pick. Choose the deed type, which is the whole ballgame for the warranty of title: a Quitclaim Deed conveys only whatever interest the grantor has, if any, with NO warranty (common between family members, spouses in a divorce, or to clear a cloud on title); a Warranty Deed gives the full covenants of title — seisin, right to convey, freedom from encumbrances, quiet enjoyment, and a general warranty to defend title forever (the buyer-protective deed used in most arm’s-length sales); or a Grant Deed gives the statutory implied covenants (the grantor hasn’t already conveyed the estate and hasn’t encumbered it) without the full express warranty. Choose residential or commercial, name the grantor and grantee, state how the grantee takes title (e.g. joint tenants with right of survivorship), recite the consideration (PaperKit estimates the documentary transfer tax for you), give the property address, legal description and parcel number, and PaperKit assembles the whole deed — parties, consideration, the granting clause, the covenants (or the no-warranty clause for a quitclaim), the manner of taking title and any subject-to exceptions. Like a reconveyance, the deed is a drafter-signs recordable certificate: the GRANTOR executes and e-signs it; the grantee simply takes title. Hosted online for the grantor to review & e-sign. Clean recordable PDF.
Open tool →Trustee's Deed Upon Sale (Foreclosure Sale Conveyance)
The non-judicial foreclosure is over — the trustee's sale has been held and now the property has to be conveyed to whoever won at auction. This is the recordable deed that completes the foreclosure: the foreclosure TRUSTEE, having sold under the power of sale, conveys title to the successful bidder. Pick the sale result, which drives the whole money math: a Third-party bidder paid the winning bid in cash (PaperKit applies the proceeds to the debt and computes any SURPLUS owed to junior lienholders and the trustor, and estimates the documentary transfer tax on the sale price), or the foreclosing Beneficiary made a Credit bid against its own debt (no cash changes hands, the bid is credited against the loan, and PaperKit computes any SURVIVING DEFICIENCY that may remain owed — and treats the conveyance as transfer-tax exempt). Choose residential or commercial, name the trustee, the winning bidder / grantee, the beneficiary and the foreclosed trustor, recite the deed of trust, the Notice of Default and the Notice of Trustee's Sale (with their recording instrument numbers) and the sale date and place, and PaperKit assembles the whole instrument — the recitals, a foreclosure-compliance certification, the sale and bid, the application of proceeds (surplus or deficiency), the granting clause conveying the trustor's interest WITHOUT warranty, and the manner of taking title. Like a reconveyance, it's a drafter-signs recordable certificate: the neutral foreclosure TRUSTEE executes and e-signs it; the bidder simply takes title. Hosted online for the trustee to review & e-sign. Clean recordable PDF.
Open tool →Correction / Confirmatory Deed & Scrivener's Affidavit
A deed you already recorded has a mistake — a misspelled name, a wrong or omitted legal description, a wrong parcel number, a missing marital / vesting recital, or a scrivener's typo — and now the title chain is clouded. This is the curative instrument that fixes it without starting over. Pick the instrument, which decides how the record is cured: a Correction Deed (a.k.a. Deed of Correction / Corrective Deed) is a new deed that RE-CONVEYS the property to fix a material error and supersede the prior deed's mistake; a Confirmatory Deed CONFIRMS and ratifies an already-valid prior conveyance to remove doubt (no new conveyance, it relates back to the original); or a Scrivener's Affidavit of Correction is a SWORN affidavit by the drafter / title agent attesting to a clerical error and stating the correct fact, recorded to clarify the record. Then pick what's being corrected — party name, legal description, parcel number, vesting / marital recital, or another clerical error — and PaperKit reframes the whole instrument around it. Recite the prior recorded deed (its type, recording date and instrument / book / page number), the erroneous text as-recorded and the corrected text, name the original grantor / affiant and the grantee under the prior deed, and PaperKit assembles the entire curative instrument — the recitals identifying the prior deed, the error, the correction, a reaffirmation of the original consideration, and — unlike a fresh conveyance — an assertion that the instrument is EXEMPT from documentary transfer tax (a corrective instrument effects no new transfer, so no new tax is due). Like a deed, it's a drafter-signs recordable certificate: the correcting party (the GRANTOR, or the AFFIANT for an affidavit) executes / swears and e-signs it; the grantee simply retains title. Hosted online for the correcting party to review & e-sign. Clean recordable PDF.
Open tool →Transfer on Death (Beneficiary) Deed
You want your home to pass to your kids (or anyone you choose) when you die — without probate — but you don't want to give up an ounce of control while you're alive. That's exactly what a Transfer on Death Deed (a.k.a. a Beneficiary Deed) does, and this makes the recordable instrument that states it. You stay the full owner: you can live in, rent, sell, mortgage or refinance the property, and you can revoke the deed at any time — the beneficiary gets nothing until you die and has no interest, and no creditor claim, while you're alive. Pick the action: a Transfer on Death Deed names your beneficiary and reserves your lifetime rights, or a Revocation of Transfer on Death Deed recites and cancels a TOD deed you recorded earlier. Then pick how the beneficiaries take: a single beneficiary; multiple beneficiaries in equal shares as tenants in common; or a primary beneficiary with a named alternate who takes only if the primary predeceases you. Name yourself as owner, name the beneficiary (and their relationship), give the property address, legal description and parcel number, and PaperKit assembles the whole non-probate instrument — the recitals, the beneficiary designation, the transfer-effective-on-death and non-probate clauses, your reserved lifetime rights and power to revoke, and — because a TOD deed makes no present transfer — an assertion that NO documentary transfer tax is due now. Like any deed it's a drafter-signs recordable certificate: the OWNER executes and e-signs it; the beneficiary simply takes on death. Hosted online for the owner to review & e-sign. Clean recordable PDF. (TOD / beneficiary deeds are available in many but not all states — confirm your state's statute.)
Open tool →Enhanced Life Estate (Lady Bird) Deed
You want your home to pass to your kids (or anyone you choose) when you die — without probate — but you want even MORE control than a plain beneficiary deed gives: the power to sell, mortgage, gift or completely revoke, on your own, with no one's consent, right up until death. That's an Enhanced Life Estate Deed — a “Lady Bird” (Ladybird) deed — and this makes the recordable instrument that states it. You convey the property to a remainderman but RESERVE an enhanced life estate: you keep full ownership, use and control for life, and whatever is left at your death passes automatically to the remainderman outside probate. Because you keep the power to revoke and to convey the whole fee during life, the remainder is a mere expectancy — no completed present gift, so no documentary transfer tax is due now, and (in the states that recognize it) it generally does not disqualify you for Medicaid during life. Pick the action: an Enhanced Life Estate Deed reserves your enhanced life estate and conveys the remainder, or a Revocation of Enhanced Life Estate Deed recites and cancels a Lady Bird deed you recorded earlier. Then pick how the remaindermen take: a single remainderman; multiple remaindermen in equal shares as tenants in common; or a primary remainderman with a named alternate who takes only if the primary predeceases you. Name yourself as grantor, name the remainderman (and their relationship), give the property address, legal description and parcel number, and PaperKit assembles the whole non-probate instrument — the recitals, the reservation of the enhanced life estate, the conveyance of the remainder, the retained-powers and right-to-revoke clauses, the vests-on-death / non-probate clause, and — because a lady bird deed makes no completed present transfer — an assertion that NO documentary transfer tax is due now. Like any deed it's a drafter-signs recordable certificate: the GRANTOR executes and e-signs it; the remainderman simply takes on death. Hosted online for the grantor to review & e-sign. Clean recordable PDF. (Lady bird deeds are recognized in only a handful of states — confirm your state's law.)
Open tool →Affidavit of Heirship (Intestate / No-Will Heirs at Law)
Someone died owning a home — but left NO will, and there’s no transfer-on-death or lady bird deed to pass it on. So how do the heirs get the house out of the deceased owner’s name without a full, expensive probate? In most states the answer is an Affidavit of Heirship: a sworn, recordable statement by a DISINTERESTED person who knew the deceased and the family — a friend, neighbor or relative with no stake in the estate — that establishes, under oath, who the heirs at law are, so title passes by intestate succession and the record chain of title can be completed in the heirs’ names. This makes that instrument. Pick the family situation and PaperKit reframes the whole heirs-at-law recital and the intestacy shares: a surviving spouse plus children; a surviving spouse and no children (spouse takes all); children only, no spouse (equal shares); no spouse and no children (the parents / siblings / next of kin take); or a single sole heir. Name the affiant and how long they knew the deceased, name the Decedent with the date and place of death and residence, list the heirs with their relationships, ages and addresses, and give the property address, legal description and parcel number. PaperKit assembles the full sworn affidavit — the affiant’s knowledge and disinterest, the recital that the Decedent died intestate leaving no will, the family history, the heirs at law and their shares, that the estate’s debts are paid, and the descent of the property — then the affiant swears to it and e-signs. Hosted online for the affiant to review, swear & e-execute. Clean recordable PDF. (Affidavits of heirship, who may swear them, and their effect on title all vary by state — confirm your state’s law and your title company’s requirements.)
Open tool →Small Estate Affidavit (Collect Assets Without Probate)
Someone died leaving a modest estate — a bank account, a last paycheck, some savings, a car, maybe a small piece of property — and now the family needs to get it, but a full probate would cost more than the estate is worth. Most states have a shortcut: if the whole estate is under a set dollar limit, a person entitled to the property can sign a sworn Small Estate Affidavit and present it to whoever holds the asset (the bank, the employer, the transfer agent, the DMV) to have it released — no probate, no court. This makes that instrument. It’s the sibling of an affidavit of heirship, but where that one is signed by a disinterested person just to establish WHO the heirs are, this one is signed by the SUCCESSOR themselves to actually COLLECT the assets. Pick what you’re collecting and PaperKit reframes the whole affidavit: personal property (bank accounts, wages, securities, belongings — presented to the holder of the asset); real property of small value (succession to the deceased’s real estate, for recording); or a motor vehicle (to retitle the car at the DMV). Pick how you’re entitled — intestate (no will) or under the deceased’s will — and PaperKit builds the entitlement recital to match. Name yourself as the successor and your relationship to the deceased, name the Decedent with the date and place of death, list the specific assets (and who holds them), and enter the estate’s value, its debts and your state’s small-estate limit — PaperKit does the math (net value after debts) and asserts, under oath, that the estate is at or under the statutory limit, that the waiting period since death has elapsed, that no probate is pending, and that debts are paid or provided for. Then you swear to it and e-sign. Hosted online for the successor to review, swear & e-execute. Clean PDF. (Small-estate dollar limits, waiting periods, which assets qualify and the exact form all vary by state — confirm your state’s rules and the holder’s requirements.)
Open tool →UCC-1 Initial Financing Statement (Perfect a Security Interest)
Lending money, financing equipment, factoring receivables or taking any security interest in a business’s property? Before your lien is good against the world you have to PERFECT it — and that means filing a UCC-1 financing statement, the original public notice under Article 9 of the Uniform Commercial Code, with the filing office (usually the Secretary of State). PaperKit drafts that exact statement. It’s the root of the whole UCC branch — the original that a UCC-3 continuation, amendment, assignment or termination later maintains. Pick what your lien COVERS and PaperKit reframes the whole collateral section and the title: an all-assets / blanket lien on all of the debtor’s personal property, now owned or hereafter acquired, and all proceeds; specific collateral you describe (equipment, inventory, accounts, a named machine); or a fixture filing on goods affixed to real estate (filed in the real-property records, reciting the legal description and record owner under UCC § 9-502(b)). Then pick how the DEBTOR is identified — a registered organization (named by its EXACT name on its public organic record, with its state of registration and org ID — the single most common cause of a rejected, seriously-misleading filing) or an individual. Name the secured party, name the debtor, set the collateral and the filing office, and PaperKit assembles the full statement: debtor and secured-party identification, the collateral, a proceeds recital, a perfection-and-duration recital (it computes the 5-year lapse year from your filing year, UCC § 9-515), an authorization-to-file direction, and the debtor’s authorization under UCC § 9-509. Like the UCC-3, the SECURED PARTY is the one who executes and e-signs it — a one-party filing certificate. Hosted online for the secured party to review & e-sign. Clean PDF. (Debtor-name rules, the correct filing office and fixture-filing recording all vary by state and by debtor type — confirm your state’s Article 9 rules and the filing office’s requirements.)
Open tool →Life Estate Deed (Traditional / Reserved Life Estate)
Want to pass your home to your children when you die — avoiding probate — but keep the right to live there for the rest of your life? A life estate deed does exactly that: it splits ownership across time. One person (the life tenant) keeps the right to live in and use the property for life; another (the remainderman) automatically owns it when the life tenant dies, without probate. This makes that recordable deed. It’s the traditional, ordinary sibling of the enhanced life estate / lady bird deed — but with a crucial difference: an ordinary life estate is a COMPLETED, PRESENTLY VESTED, IRREVOCABLE gift of the remainder. Your remainderman gets a real property interest the day you record it; you can’t sell, mortgage or take the property back without their written joinder; and because it’s a present gift it can have gift-tax, capital-gains basis and Medicaid consequences a lady bird deed avoids. Pick who holds the life estate and PaperKit reframes the whole deed: RESERVE a life estate for yourself (you convey the property now, keep the right to use it for life, and your remainderman takes on your death), or GRANT a life estate to someone else (e.g. give a parent or spouse the right to live there for their life, with the remainder to your remainderman). Then pick how the remaindermen take — a single remainderman, several in equal shares as tenants in common, or a primary with a named alternate if the primary predeceases the life tenant. Name the grantor, the life tenant (if you’re granting one), and the remainderman, give the property address, legal description and parcel number, and toggle the recitals — that the remainder is presently vested (a completed present gift), that the deed is irrevocable and cannot be defeated without the remainderman’s joinder, and that the life tenant must pay taxes and upkeep and not commit waste. PaperKit assembles the full recordable deed and the grantor e-signs it. Hosted online for the grantor to review & e-execute. Clean recordable PDF. (Life estate deeds, homestead and spousal-joinder rules, the doctrine of waste and the gift-tax / Medicaid consequences all vary by state — confirm your state’s law and consult an attorney or tax advisor; a lady bird deed or transfer-on-death deed may fit better.)
Open tool →Gift Deed (Convey Real Property as a Gift)
Want to give a house or a piece of land to your child, your spouse, a loved one — or donate real estate to a charity — with no money changing hands? A gift deed is the recordable instrument that conveys real property as a GIFT: voluntarily, out of love and affection or charitable intent, without a purchase price. This makes that deed. Because it’s a gift and not a sale, PaperKit reframes the whole instrument around donative intent instead of a bargained-for price: it recites that the conveyance is a voluntary gift made without monetary consideration, and — because no consideration is paid — asserts that the transfer is EXEMPT from documentary / real-property transfer tax (no math, no purchase price). Pick who receives the gift and PaperKit reshapes the deed: a FAMILY gift to a relative for love and affection (name the donee’s relationship — parent→child, spouse, sibling); a CHARITABLE gift / Deed of Gift to a qualified charitable organization (PaperKit adds a charitable-contribution recital and an IRS-style “no goods or services were received in exchange” substantiation statement); or a gift IN TRUST to a named trustee to hold in trust for a beneficiary. Choose residential or commercial, name the donor and the donee (or trustee), state how the donee takes title, add an optional nominal-consideration recital (“$10.00 and love and affection”), give the property address, legal description and parcel number, and toggle the recitals — donative intent, the transfer-tax exemption, and whether the donor warrants title or gives it with no warranty. PaperKit assembles the whole gift deed — the parties, the donative-intent recital, the granting clause giving the property as a gift, the covenants (or no-warranty clause), the transfer-tax-exempt assertion and any subject-to exceptions. Like any deed it’s a drafter-signs recordable certificate: the DONOR executes and e-signs it; the donee simply takes title. Hosted online for the donor to review & e-sign. Clean recordable PDF. (A gift of real property may have federal gift-tax, capital-gains basis and Medicaid consequences — confirm your state’s recording rules and consult an attorney or tax advisor.)
Open tool →Revocable Living Trust (Declaration of Trust)
Want to pass your home, your savings and your belongings to your family WITHOUT putting them through probate — the slow, public, expensive court process that settles an estate? A revocable living trust is the estate-planning workhorse that does it. You (the settlor) declare a trust, move your assets into it, name yourself trustee so nothing changes in your day-to-day control, name a successor trustee to take over when you die or become incapacitated, and name the beneficiaries who inherit — all outside probate. While you’re alive and well it stays fully revocable: add or remove property, change beneficiaries, or tear it up entirely, any time. This builds that whole declaration of trust. Pick who’s creating it and PaperKit reshapes the instrument: an INDIVIDUAL trust for one person, or a JOINT trust for a married couple as co-trustees (the survivor carries on as sole trustee). Choose how your beneficiaries take — a single beneficiary, several in equal shares, or a primary with a named alternate if the primary predeceases you. Name your successor trustee, list the assets that fund the trust (the real estate, accounts and securities you’ll retitle into it), add optional specific gifts, and toggle the core provisions: the right to amend and revoke during life (uncheck it to make an irrevocable trust), the probate-avoidance recital, and an incapacity clause that lets your successor trustee step in without a court-ordered guardianship. PaperKit assembles every section — declaration and name of trust, settlor and trustee, trust property and funding, revocation and amendment, administration during your life (and incapacity), distribution on death, successor-trustee powers, and governing law. It’s a self-declaration: the settlor reviews and e-signs it online. Clean PDF you can take to a notary. (Funding the trust — actually retitling assets — is what makes it work; execution, witnessing and tax rules vary by state, so confirm your state’s requirements and consider an attorney.)
Open tool →Last Will and Testament
The single most-searched estate document there is — the will that says who gets what when you’re gone, who’s in charge of carrying it out, and who raises your kids. You (the testator) declare your last will, revoke any older ones, appoint an executor (your personal representative) to gather your estate and pay your debts, name a guardian for your minor children, hand out specific gifts, and dispose of everything left over (your residuary estate). This builds that whole will. Pick the kind and PaperKit reshapes it: a SIMPLE will that leaves your estate directly to the people you name, or a POUR-OVER will that sweeps everything into a revocable living trust you’ve already set up (the perfect companion to PaperKit’s Living Trust — the will catches anything you didn’t retitle into the trust and pours it in). Choose how your beneficiaries take — one person, several in equal shares, or a primary with a named alternate if the primary predeceases you — and toggle the core clauses: revoke prior wills, executor without bond, guardian for minors, residuary clause, a no-contest (in terrorem) clause, and a self-proving affidavit. PaperKit assembles every section — declaration and revocation, family, appointment of executor, guardian, specific gifts, residuary distribution (direct or poured into the trust), executor powers, no-contest, survivorship and governing law — and lays out the attestation with two witness lines and a self-proving affidavit placeholder. It’s a self-drafted will: you review and e-sign it online, then print the clean PDF. (A will must be signed and WITNESSED under your state’s rules — usually two witnesses, sometimes notarized — so complete the witnessing on execution, and a will does not avoid probate the way a funded living trust does. Formalities vary by state; consider an attorney.)
Open tool →Financial Power of Attorney (Durable / Springing)
The document that lets someone you trust handle your money and property if you can’t — pay your bills, manage your accounts, deal with your house, file your taxes — one of the most-searched legal forms there is. You (the principal) appoint an agent (your attorney-in-fact) and decide exactly what they can do. Pick the kind and PaperKit reshapes it: a DURABLE power that works the moment you sign and keeps working if you later become incapacitated (the whole point — an ordinary POA dies exactly when you need it most), or a SPRINGING power that stays dormant and only kicks in if a doctor certifies you can’t manage your affairs. Choose one agent, or two co-agents who must act together (jointly) or can each act alone (severally), and name a successor in case your first choice can’t serve. Then tick precisely which powers you grant — real estate, banking, investments, business, taxes, insurance, government benefits (Social Security, Medicare, VA), and estate/trust transactions with limited gift-making — and add any limits (‘my agent may not sell my home’). PaperKit assembles every section — designation of agent, effective date and durability, successor agent, the enumerated grant of authority, your special instructions, the agent’s fiduciary duties, compensation, third-party reliance so banks will accept it, and governing law — and lays out the execution page with witness lines and a notary acknowledgment block. It’s self-drafted: you review and e-sign online, then take the clean PDF to a notary. (A POA must be signed and, in most states, NOTARIZED — sometimes witnessed — to be accepted; this covers finances only, not health care, and ends at your death. Formalities vary by state; consider an attorney.)
Open tool →Advance Health-Care Directive (Living Will + Health-Care POA)
The medical companion to the financial power of attorney — and one of the most-searched legal documents there is. An advance health-care directive says what medical care you do and don't want, and names someone you trust to make health decisions for you, if you're ever too sick or injured to speak for yourself. You (the declarant) stay in control of your own wishes. Pick the kind and PaperKit reshapes it: a COMBINED directive that is both a living will AND a health-care power of attorney in one; a LIVING WILL only, stating your own treatment wishes with no agent; or a HEALTH-CARE POWER OF ATTORNEY only, appointing an agent (health-care proxy) without fixed treatment instructions. Then make the big call on life support — if you're terminal or permanently unconscious, do you want treatment WITHHELD so you can die naturally with comfort care, life PROLONGED to the extent medically feasible, or the decision left to your AGENT? Name your health-care agent and a successor, and toggle the recitals that matter: artificial nutrition and hydration, an always-on comfort-care instruction, organ and tissue donation, a HIPAA release so your agent can see your medical records, and a pregnancy clause. PaperKit assembles every section — the declaration, appointment of your agent and their authority, your living-will life-support directive, nutrition, comfort care, organ donation, HIPAA access, your personal values and any limits, and governing law — and lays out the execution page with two witness lines and a notary acknowledgment. It's self-drafted: you review and e-sign online, then print the clean PDF, give copies to your agent, family and doctors, and complete your state's witnessing/notary step. (Covers health care only — money and property are a separate financial POA. Witness and notary rules vary by state; consider an attorney.)
Open tool →Codicil to a Will (Amend an Existing Will)
Already have a will and just need to change one thing? Don’t rewrite the whole thing — add a codicil. A codicil is a short, legal add-on that amends your existing last will and testament: it keeps everything you already decided and changes only what you tell it to. You (the same testator who made the will) pick the change and PaperKit builds the right instrument: ADD OR CHANGE A GIFT (leave a new bequest, or update who gets what); CHANGE YOUR EXECUTOR OR GUARDIAN (swap in a new personal representative or a new guardian for your kids); REVOKE A PROVISION (strike a clause you no longer want); or a GENERAL AMENDMENT (any free-form change). Then decide whether to expressly REPUBLISH your will — re-declaring and re-dating it as amended, so the whole plan reads as one current document — or amend only. PaperKit references your original will by date, reaffirms every unchanged provision so nothing else is disturbed, and lays out the execution page exactly like a will: a codicil must be signed and WITNESSED with the same formalities as the will it amends, so you get two witness lines and an optional self-proving affidavit placeholder. It’s self-drafted: you review and e-sign online, print the clean PDF, and keep it WITH your will. (Where the changes are big, a new will is often better than a codicil. Signing and witnessing rules vary by state — complete them on execution; consider an attorney.)
Open tool →Revocation of Power of Attorney
Gave someone power of attorney and now need to take it back? This is the document that does it — cleanly, on the record, and effective right away. A revocation of power of attorney is how you (the principal) formally cancel the authority you once handed an agent (your attorney-in-fact), so banks, doctors and the agent themselves stop relying on the old power. You pick the scope and PaperKit builds the right instrument: REVOKE THE ENTIRE POA (end all of the agent's authority); REVOKE ONLY SPECIFIC POWERS (pull back part of it and leave the rest in force); or REVOKE AND APPOINT A NEW AGENT (cancel the old power and name a replacement). Then choose which kind of power you're undoing — a FINANCIAL power of attorney (money and property; notice goes to banks and financial institutions) or a HEALTH-CARE power of attorney / medical proxy (notice goes to your physicians and providers). PaperKit references the original POA by date, terminates the former agent's authority, and lays out the directives that actually make a revocation stick: notice to your former agent, notice to the third parties who relied on the old power, and recording the revocation where the original was recorded — plus whether it's effective immediately or on a date you set. It's self-drafted: you review and e-sign online, then take the clean PDF to a notary (a revocation is executed with the same formalities as the power it revokes). Deliver signed copies to your former agent and everyone holding the old power — a revocation isn't effective against a third party until they have actual notice. (Revoking a financial POA doesn't touch a separate health-care POA, and vice versa. Signing, notarization and notice rules vary by state; consider an attorney.)
Open tool →HIPAA Authorization (Release of Medical Records)
Need your medical records sent to you, a family member, a new doctor, or an insurer or lawyer? This is the form that lets it happen — a HIPAA authorization that tells your doctor, hospital or health plan they have your permission to release your protected health information. You (the patient — or a parent or guardian signing for someone) stay in control of exactly what goes out. Pick the scope and PaperKit builds the right release: your COMPLETE medical record; only SPECIFIC records you describe (and nothing else); or just the records from a DATE RANGE you set. Then choose why you're releasing it — for your OWN use, to share with a CAREGIVER or family member, for a LEGAL, disability or INSURANCE matter, or so ANOTHER PROVIDER can continue your care — and PaperKit reshapes the purpose language to match. It names the covered entity that may release the records and the recipient who may receive them, and it handles the parts people miss: the specially-protected categories the law makes you opt into one by one — mental-health, substance-use-disorder (42 CFR Part 2), HIV/AIDS and genetic information — plus the HIPAA-required expiration date or event, your right to revoke in writing, and the redisclosure warning. It's self-drafted and NOT notarized: you review and e-sign online (a personal representative can sign for a minor or someone who can't sign), then print the clean PDF and hand it to whoever holds your records. (What's protected and how records are released can vary by provider and state; consider an attorney for complex situations.)
Open tool →Minor / Child Medical Consent (Caregiver Authorization)
Leaving your kids with grandparents, sending them to camp, or handing them off for a school trip? This is the form that lets the adult in charge get them treated if something happens and you can't be reached. A minor medical consent (also called a caregiver authorization or consent to treat) is how you — the parent or legal guardian — give a trusted adult the authority to say 'yes' to medical, dental and emergency care for your child while the child is in their care. You pick the scope and PaperKit builds the right consent: FULL medical, dental and emergency care; EMERGENCY / urgent care only (for when you just want a safety net); or only the SPECIFIC care you describe. Then set how long it lasts — a single TRIP or event (the most-searched version: a travel consent for a trip away), a fixed RANGE of dates, or an ONGOING arrangement until you revoke it. Name the caregiver who may consent (grandparent, relative, family friend, school or camp), and lock in the details providers actually ask for: your child's date of birth, treating physician, health-insurance information, allergies and current medications. Toggle the exact authorities you're granting — emergency and surgical treatment, dental care, administering medication, sharing insurance and accepting financial responsibility, and a HIPAA release so the caregiver can see your child's records. Because these are so often used for travel, school and camp, PaperKit lays out an OPTIONAL notary block you can switch on. It's self-drafted: you (the parent) review and e-sign online, print the clean PDF, get it notarized if you like, and hand it to the caregiver to carry. (Some states have their own caregiver-authorization or minor-power-of-attorney forms, and a provider can still give emergency care to protect a child regardless. Notary and witness rules vary; consider an attorney for long or international arrangements.)
Open tool →Bill of Sale (Vehicle, Boat & General)
Selling a car, a boat, or just about anything? This is the document that proves you sold it and the buyer bought it — the bill of sale a DMV asks for to title and register a used vehicle, and the receipt that protects both sides when property changes hands. You (the seller) pick what you're selling and PaperKit builds the right instrument: a VEHICLE bill of sale (year/make/model, VIN, license plate and color, with the federal odometer disclosure DMVs require); a BOAT bill of sale (hull identification number, length and motor); or a GENERAL bill of sale for anything else — a trailer, equipment, furniture, livestock — with a free description and serial number. Then set how it's sold: strictly “AS IS” with no warranties (the version everyone searches for), with a limited seller WARRANTY of good title and working condition, or with a LIEN PAYOFF where you use the proceeds to clear an existing loan so the buyer takes clear title. PaperKit does the money for you — enter the sale price and any deposit and it computes the balance due — and lays out every clause that matters: the operative conveyance of ownership, purchase price and payment, title and condition, the seller's warranties (owns it free and clear, buyer has inspected it, the odometer certification), delivery and transfer of risk, and governing law. It's self-drafted: you (the seller) review and e-sign online, the buyer acknowledges receipt on the signature line, and you print the clean PDF — get it notarized if your state requires it for a vehicle — and hand it over for the title transfer. (Bill-of-sale requirements, odometer rules and whether notarization is needed vary by state and DMV; confirm yours before relying on this form.)
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