{"id":11997,"date":"2020-06-08T08:42:42","date_gmt":"2020-06-08T13:42:42","guid":{"rendered":"https:\/\/legaltalktexas.hammerle.com\/?p=11997"},"modified":"2025-06-18T17:23:17","modified_gmt":"2025-06-18T22:23:17","slug":"loans-to-family-members-can-be-complicated","status":"publish","type":"post","link":"https:\/\/hammerle.com\/legaltalk\/legal-talk\/loans-to-family-members-can-be-complicated\/","title":{"rendered":"Amateur Hour &#8211; Loans to Family Members Can Be Complicated"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">During the Years of Plenty, when you could simply throw money into the air and have it return three-fold, intra-family loans were a rarity.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ah, but that was before the dawning of the year of Coronavirus.\u00a0 Nowadays family loans are depressingly common, often being the only buffer between economic survival and pandemic- inspired bankruptcy.\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you find yourself lending money to a family member, there are some points to keep in mind.\u00a0\u00a0<\/span><\/p>\n<p><b>The IRS is Watching<\/b><span style=\"font-weight: 400;\">. \u00a0 It is not just your paranoia \u2013 the IRS has stringent tax rules about family loans and it will not be shy about penalizing you.\u00a0 The IRS requires that you charge, and collect, interest on your intra-family loan.\u00a0 Happily, the interest rates are at historic lows.\u00a0 For May, 2020, the annual rates for loans lasting more than 9 years is 1.15%, for loans from 3 to 9 years it is .58%, and for loans less than 3 years the rate is .25%.\u00a0 These are minimum fixed rates \u2013 you are free to charge more than the minimum rate.\u00a0 The IRS rules primarily apply to loans that are greater than $15,000 per individual, unless you try to take a deduction for bad debt when your family member does not pay you back.\u00a0\u00a0<\/span><\/p>\n<p><b>Gift vs. Loan.\u00a0 <\/b><span style=\"font-weight: 400;\">A valid question that deserves some analysis.\u00a0 You can gift an individual $15,000 per year without having to file a gift-tax return.\u00a0 Even if you gift more, the overage will only count against your life-time exemption.\u00a0 For 2020 the combined gift and estate tax exemption of $11.58 million per individual, and a whopping $23.16 million per couple.\u00a0 But be careful, because this large exemption goes away in 2026.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you make a gift, then the deemed interest problem goes away.\u00a0 However, you have no right to demand or expect that the gift will ever be repaid.\u00a0<\/span><\/p>\n<p><b>Emotion Matters.\u00a0 <\/b><span style=\"font-weight: 400;\">Money is business; family is emotion.\u00a0 Together they are combustible.\u00a0 Do not loan money without a plan to handle your family borrower\u2019s default, divorce or death.\u00a0 You will also need a plan to handle the emotions of other family members \u2013 a loan or gift to only one child could cause a lot of resentment in the remaining children.<\/span><\/p>\n<p><b>Consider a Combination.<\/b><span style=\"font-weight: 400;\">\u00a0 For the best of all worlds, consider making a loan and then forgiving $15,000 (or $30,000 if the loan is to a couple) a year as a gift. \u00a0 Make sure you write down how you are handling it, and whether you are promising to make gifts until the entire amount is forgiven.\u00a0\u00a0<\/span><\/p>\n<p><b>Paper, Paper and More Paper<\/b><span style=\"font-weight: 400;\">.\u00a0 Your bank would never lend you money without a promissory note.\u00a0 Neither should you.\u00a0 The note should be in writing and state the principal, loan date, rate, term, repayment schedule and default clauses.\u00a0 If there is collateral, then that needs to be in writing and \u201cperfected,\u201d which means taking steps to give notice to third parties.\u00a0\u00a0<\/span><\/p>\n<p><b>Estate Planning.\u00a0 <\/b><span style=\"font-weight: 400;\">Your estate planning documents should contain instructions to your executor about how you want the loan handled when you die.\u00a0 If you want the loan forgiven, then you might consider equalizing distributions to your other beneficiaries in the same class.\u00a0 Check with your CPA for possible tax ramifications.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\"><a href=\"https:\/\/hammerle.com\/lawyers\/virginia-hammerle\/\">Virginia Hammerle<\/a> is a Texas attorney whose practice includes <a href=\"https:\/\/hammerle.com\/practice-areas\/estate-planning-probate\/\">estate planning<\/a>, <a href=\"https:\/\/hammerle.com\/practice-areas\/elder-law\/guardianship\/\">guardianship<\/a> and <a href=\"https:\/\/hammerle.com\/practice-areas\/estate-planning-probate\/probate\/\">probate<\/a>. Sign up for her newsletter at <\/span><\/i><a href=\"mailto:legaltalk@hammerle.com\"><span style=\"font-weight: 400;\">legaltalk@hammerle.com<\/span><\/a><i><span style=\"font-weight: 400;\">. Contact Hammerle Morris Law Firm to <a href=\"https:\/\/hammerle.com\/lewisville-attorney\/\">schedule a consultation at hammerle.com<\/a>.\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">This column does not constitute legal advice.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>During the Years of Plenty, when you could simply throw money into the air and have it return three-fold, intra-family loans were a rarity.\u00a0\u00a0 Ah, but that was before the dawning of the year of Coronavirus.\u00a0 Nowadays family loans are depressingly common, often being the only buffer between economic survival and pandemic- inspired bankruptcy.\u00a0\u00a0\u00a0 If [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":11998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[5,21],"tags":[1083,18,1098],"class_list":{"0":"post-11997","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business-law","8":"category-legal-talk","9":"tag-business","10":"tag-featured","11":"tag-legal-talk"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Amateur Hour - Loans to Family Members Can Be Complicated - Hammerle Morris Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hammerle.com\/legaltalk\/legal-talk\/loans-to-family-members-can-be-complicated\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Amateur Hour - Loans to Family Members Can Be Complicated - Hammerle Morris Law Firm\" \/>\n<meta property=\"og:description\" content=\"During the Years of Plenty, when you could simply throw money into the air and have it return three-fold, intra-family loans were a rarity.\u00a0\u00a0 Ah, but that was before the dawning of the year of Coronavirus.\u00a0 Nowadays family loans are depressingly common, often being the only buffer between economic survival and pandemic- inspired bankruptcy.\u00a0\u00a0\u00a0 If [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hammerle.com\/legaltalk\/legal-talk\/loans-to-family-members-can-be-complicated\/\" \/>\n<meta property=\"og:site_name\" content=\"Hammerle Morris Law Firm\" \/>\n<meta property=\"article:published_time\" content=\"2020-06-08T13:42:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-18T22:23:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hammerle.com\/legaltalk\/wp-content\/uploads\/sites\/2\/2020\/06\/Loan-Agreement-for-a-family-member-Hammerle-Finley-Law-Firm.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Virginia Hammerle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Virginia Hammerle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/hammerle.com\\\/legaltalk\\\/legal-talk\\\/loans-to-family-members-can-be-complicated\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/hammerle.com\\\/legaltalk\\\/legal-talk\\\/loans-to-family-members-can-be-complicated\\\/\"},\"author\":{\"name\":\"Virginia Hammerle\",\"@id\":\"https:\\\/\\\/hammerle.com\\\/legaltalk\\\/#\\\/schema\\\/person\\\/3a35dce360aad1cd9da53574c3c1a6bd\"},\"headline\":\"Amateur Hour &#8211; 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