All trusts we draft also include provisions to keep bankruptcy courts and creditors out of the inheritance. If your beneficiary owes people money, they could lose a large portion of their inheritance. By using an RLT with spendthrift provisions, we can keep those creditors out. Even the best of us can get into trouble. A car accident can result in a large judgment against a driver. Couples get divorced. Businesses can go belly up. Investments can sour. Even if you think there is no way your angelic child would ever get into debt, having this protection could end up more important than you imagined.