2015


      FORECLOSURE AND YOUR CREDIT SCORE

      Posted on 05,30,2015

      Your foreclosure can have an immediate effect on your credit score and your ability to obtain another mortgage for a certain amount of time. Your (FICO) credit score is usually the first things a potential lender will look at when applying for a loan.

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      HOW LIVING TOGETHER AFFECTS CHILD SUPPORT PAYMENTS

      Posted on 05,13,2015

      In the case that the person living with you is someone other than the child’s other parent, this person is under no obligation to support your child. The other parent will be made to pay support regardless of whether you live with someone else or not. On the other hand, if your new partner provides you food, clothing, or other items, your former spouse can ask the court to lower their child support obligation. They will be required to show that your new partner pays many of their child’s expenses which frees up more of your income.

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      HOW CAN I CHANGE A CHILD SUPPORT ORDER?

      Posted on 04,09,2015

      If you experience a sudden change in your income due to a change in your employment or living situation, you may find yourself unable to pay your child support payments as ordered by the court. There is hope, however, as you may be able to have your payments lowered by the same court.

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      SPECIAL ISSUES IN LATE-LIFE DIVORCE

      Posted on 03,31,2015

      Older people looking to divorce face unique issues younger couples do not such as health concerns, losing parents and friends, and other concerns. One of the biggest factors in a late-life divorce is the lack of time to recover from a divorce financially.

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      WILL COLLABORATIVE DIVORCE WORK FOR YOU?

      Posted on 03,18,2015

      Spouses looking to divorce who may not need lengthy court battles to iron out the details of their divorce settlement should consider a collaborative divorce whereby some third party such as a professional mediator can come alongside the couple to resolve differing points of view on aspects of their divorce such as division of assets, custody, or support.

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      HOW CAN BANKRUPTCY HELP ME SAVE MY HOME?

      Posted on 02,28,2015

      If you have fallen behind on your mortgage payments and need some time to get back on track, your first step is usually to communicate with your mortgage company and to find out how they can help you. Your lender may be able to help you get your mortgage caught up, perhaps by offering you a forbearance or a loan modification. You can also get free counseling about your options through the government. Click here for a list of HUD-approved nonprofit housing counselors in Virginia.

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      WHAT HAPPENS TO MY CAR LOAN OR OTHER SECURED DEBT WHEN I FILE FOR BANKRUPTCY?

      Posted on 02,18,2015

      In bankruptcy, there are two categories of debts, secured and unsecured. Secured debts are debts against something that you own, such as a financing contract, a mortgage, or a title loan. If your vehicle is secured by a debt, you have a choice when you file for bankruptcy; you can choose to keep your vehicle if you are willing to pay for it, or you can use the bankruptcy to walk away from a vehicle you no longer want to pay for, and get the debt wiped out. You get this choice for each of the secured debts you have.

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      WHEN A CUSTODY CASE INVOLVES RELOCATION

      Posted on 01,18,2015

      It would be unreasonable to expect that a parent would stay in the same location the rest of their life. That is why the courts allow for relocation in shared custody matters. It still requires lengthy paperwork and convincing court arguments, but take heart that there is a legal solution for your potential move.

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      IS PERMANENT SEPARATION AN OPTION OVER DIVORCE?

      Posted on 01,08,2015

      When a couple wants to go separate ways without divorcing, they may choose to pursue separation. A separation can range from a short trial period to a legally binding, permanent agreement. Some people choose to permanently separate rather than file for divorce for various reasons, most often related to their religious beliefs, tax benefits, or healthcare reasons, amongst others. Filing for separation should be carefully considered.

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