Written by Canterbury Law Group

Establishing Paternity And Father’s Rights

When a child is born to a married couple, a legal presumption arises that the husband is the child’s father. This isn’t the case with unmarried couples. Establishing paternity is important for unmarried couples in the event they break up and one parent seeks custody or child support for inheritance purposes or a variety of other circumstances. If the parents get married after the mother becomes pregnant but before birth, the husband’s paternity is established in the same manner as if the parents were married at the time of conception.

But sometimes paternity is established after birth, especially when the presumptive father has denied paternity. Read on for a detailed look at the chronology of establishing paternity.

Establishing Paternity After Birth

If the parents marry after the child is born, they can sign a legitimation form (or a Declaration of Paternity), which grants the same rights as if the parents were married at the time of birth.

Even if parents never marry, paternity can be established voluntarily when the parents are certain of the father’s identity. In such cases they may sign a legal form called a voluntary acknowledgment of paternity, or something similar, and then file the form with the court or appropriate state agency. Executing this voluntary acknowledgment can be done right in the hospital following the child’s birth, or any time thereafter. The father’s name is then included on the child’s birth certificate.

Even if a voluntary acknowledgment isn’t signed, the parties may later enter into an agreement with the help and advice of their attorneys that establishes the father’s identity and resolves custody and support issues.

Filing a Paternity Lawsuit

If neither of these voluntary procedures occurs, legal action may be necessary. A mother may file a paternity action to establish that the man she believes to be her child’s father in fact is, or, if the mother is receiving public assistance, the state may initiate the action in order for the child to begin receiving support from the father. The putative, or probable, father’s presence in court will be demanded, and he may be required to submit to DNA testing if he contests his paternity. Genetic blood test results are usually available within a few weeks, and they can establish (or negate) paternity with about 99 percent accuracy.

If paternity is established in this manner, the court will enter an order regarding the father’s paternity. The father then becomes legally obligated to pay child support according to the state’s guidelines, which are generally based on both parents’ incomes and the needs of the children.

Settling Before the Verdict

At any time in this process prior to entry of the court’s order, the parties may still enter into a settlement agreement that resolves the custody and financial issues relating to the child. In most instances, it will be the father that is legally required to provide financial support to his children. One alternative option that is sometimes pursued, however, is to offer the mother a lump-sum child support payment in exchange for her agreement to not pursue additional child support in the future. While this would give the mother the advantage of having a lump sum with which a major purchase, such as a home, could be accomplished, it has many potential disadvantages as well. It is also exceedingly rare for the courts to rule this way.

Once paternity has been established, the child obtains many legal rights beyond child support. The child can inherit from their father, is eligible for health insurance coverage under the father’s group policy, and  is entitled to Social Security benefits if the father dies or becomes disabled. They also may be entitled to wrongful death benefits if the father dies as a result of someone else’s negligence, can obtain medical history information, and may reap the emotional benefits of establishing paternity.

Adoption and the Father

In all states, the birth mother and the birth father hold the primary right of consent to adoption of their child. However, for a father to hold this right, he must first establish paternity. A father may also have this right terminated for reasons including abandonment, failure to support the child, mental incompetence, or a finding of parental unfitness due to abuse or neglect.

 

Adoption proceedings can differ depending on the state in which you reside. States have different rules with respect to waiting periods, and in the case of older children, may have rules regarding the child’s consent and potential counseling. An attorney can work with you through the adoption process or in challenging an adoption.

 

This can be a complex area of the law that requires knowledge and experience to navigate. Your attorney will understand your state’s adoption statutes and what is required of you, whether first establishing paternity in order to challenge the adoption, or in providing legal consent.

 

Terminating Your Parental Rights

Generally, parents have the right to determine their child’s care and custody and to educate their child. In general, parental rights are terminated on an individual basis and in a voluntary or involuntary manner. The procedure for termination of parental rights can be very challenging and can vary from state to state. A fathers’ rights attorney will know what is required for termination in your state and help you through the process.

An involuntary termination occurs when one parent seeks to legally sever the rights of the other parent. Involuntary termination can also occur without either parent’s consent when a state agency initiates legal proceedings to terminate the rights of both parents for adoption. In seeking involuntary termination the parent or agency generally considers abandonment of the child, failure to support the child, child abuse, whether the parent is in jail, and other factors weighing in favor of termination.

If you’re subject to an involuntary termination, your attorney will help you gather the proper documents and paperwork proving your fitness to retain your rights. Being a party to an involuntary termination is a very difficult situation and your attorney will advocate on your behalf so that your rights aren’t wrongly terminated.

Child Support, Visitation, and Custody for the Father

Once paternity is established, a father may be required to pay child support and can pursue child visitation or other custody rights. An attorney understands what’s required in these situations and can work with you through the processes.

Orders of child support are issued by the family court and are based on state child support guidelines. The court can deviate from these guidelines if there are valid reasons for doing so. If you move to a different state while subject to a child support order, you may fall under the Revised Uniform Reciprocal Enforcement of Support Act, by which states recognize and ensure payment of child support orders from another state. Your attorney can work for you to obtain the best possible result in the entry of a child support order.

An attorney can also help you negotiate and draft a parenting agreement that considers primary custody, visitation, education, health care, and changes to the parenting arrangement. Your lawyer can help you to reach an agreement that is equitable and that will be approved in court. If an agreement can’t be reached, a contested hearing may be requested. In this case, your attorney will advocate on your behalf to obtain a result that’s respectful of your rights as a parent and in the best interests of your child.

Get Legal Assistance With Your Paternity Matter

Establishing paternity is an important part of the court system as it’s one way to protect children and enforce the legal responsibilities of parents. The process for establishing paternity can differ among the various states.

In order to understand the laws of your state and how they may apply to your situation, you should consider speaking with an experienced family law attorney today.

Source: https://www.findlaw.com/family/paternity/chronology-establishing-paternity.html

Source

https://www.findlaw.com/family/paternity/do-i-need-a-fathers-rights-attorney.html

Speak With Our Father’s Rights Attorneys In Scottsdale

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Our Father’s Rights, child custody, and guardianship attorneys in Phoenix and Scottsdale address your case with concern and personal attention, and always have you and your children’s best interest in mind when offering legal solutions.

We are experienced family law attorneys and will work with you to obtain the best possible outcome in your situation. You can trust us to represent you fully, so you can get on with your life. Call today for an initial consultation! 480-744-7711.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Written by Canterbury Law Group

First Offense DUI In Arizona & Fighting A Charge

First DUI Offense In Arizona

Arizona law says it is an illegal act for a person to be in actual physical control or to drive a motorized vehicle when they are under the influence of a vapor releaser containing a substance that is toxic, a drug, or an intoxicating liquor, or indeed, a combination of the above.

A.R.S. §28-1381 defines drunk driving laws in the state of Arizona and they forbid driving when you are under the influence of an intoxicant or when the vehicle operator is even slightly impaired. Arizona has a reputation for being one of the toughest DUI law states. Read on to learn what you can expect the penalties to include when a driver faces an initial DUI offense.

Penalties for A First DUI In Arizona

A person may be found guilty of DUI in Arizona when they have a Blood Alcohol Content in excess of 0.08% and are driving or are in control of a motor vehicle. They may can be charged with a DUI in circumstances where they are impaired by any number of drugs or alcohol. These include OTC medications as well as legal medications issued by prescription. These are a Class 1 misdemeanor and are subject to these penalties:

  • A jail sentence of a minimum of twenty-four hours and a maximum up to and including six months. Technically, the minimum is ten days jail time but there is an option of having nine of those days suspended.
  • A maximum of $2,500 in total fees and fines with a minimum of $250.
  • From 90 up to 360 days of driver’s license suspension.
  • An Ignition Interlock Device being installed
  • Three years’ probation is a possibility.
  • Community service hours is a possibility.
  • Complete drug/alcohol assessment and perhaps adult education class attendance.

Criminal and Administrative Penalties for DUI

Arizona has what is known as Criminal Penalties as well as Administrative Penalties. Here is a breakdown of them:

  • Administrative license suspension is applicable for 90 days for drivers arrested for a first offense. This must be dealt with as a part of your DUI defense.
  • The driver may install an ignition interlock device it if an agreement can be met so their driver’s license can be retained.
  • In Arizona, drivers following a DUI arrest are required to take part in substance and alcohol abuse screening processes.
  • There is a seven-year lookback period for previous DUI convictions. This means a conviction will be on the record for seven years and will be considered if there are further DUI charges.
  • Although there are likely to be additional costs for sentence completion, the surcharges, fees and fines amount to about $1,600.

Source: Brian Sloan. “Arizona DUI First Offense Consequences: Law Offices Brian Douglas Sloan.” Brian Sloanhttps://www.arizdui.com/arizona-dui-defense/consequences-of-a-first-offense-dui-in-arizona/.

What Does the Prosecution Need to Prove for a DUI Conviction?

In a DUI case, the prosecution must prove the person being charged (the “defendant”):

  • drove a vehicle, and
  • was “under the influence”—meaning the person was either impaired or had a prohibited amount of drugs or alcohol in his or her body.

Many DUI defenses target one of these two components (also called “elements”) because the prosecution must prove both to get a conviction. The defenses available to a DUI defendant depend, to some extent, on state DUI laws. But this article gives an overview of some DUI defenses that are available in most states.

DUI Defenses related to the “Driving” Element

In some states, you can’t be convicted of a DUI unless you were actually driving a vehicle. So, if you were asleep in a parked vehicle in one of these states when police arrived, you probably have a good defense.

But most states don’t require proof of actual driving for a DUI conviction. All the prosecution needs to prove is that you were in “actual physical control” of a vehicle while intoxicated. In other words, you can be found guilty even if you weren’t caught behind the wheel with the car in motion.

However, whether a driver was in “actual physical control” of a vehicle is a fact-specific question. If the facts show the arrested person was unlikely to actually put the vehicle in motion, there’s a good chance the DUI charge won’t stick.

For example, if a drunk person was asleep inside a vehicle but didn’t have the keys, it might be hard for the prosecution to convince a jury that the person was in actual physical control of the vehicle.

DUI Defenses Related to Driver Intoxication or Impairment

Evidence of driver intoxication comes in various forms. However, in many cases, there are chemical test results showing how much alcohol and drugs the driver had in his or her system. It’s also common for the police officer who made the arrest to testify at trial regarding observation of the driver’s impairment.

Challenging the Accuracy of Alcohol and Drug Test Results

Because it’s illegal to drive with a blood alcohol concentration (BAC) of .08% or more (.05% or more in Utah)—called a “per se DUI”—chemical test results alone can prove the intoxication component a DUI charge.

When challenging alcohol- or drug-test results, you’re typically either saying the results are unreliable because of some flaw in the testing procedure or represent an inaccurate measurement of the amount of drugs or alcohol at the actual time of driving.

Experienced DUI attorneys know exactly what to look for when assessing a case for these types of defenses. Defenses related to chemical test results might also require the testimony of an expert witness who can explain why the results of the state’s tests are unreliable.

Challenging the Officer’s Testimony About Signs of Intoxication

For proving a DUI based on actual impairment (as opposed to the amount of drugs or alcohol in the driver’s system), the officer’s observations can be an important part of the prosecution’s case. An officer’s observations of impairment might include:

  • poor (field sobriety test) FST performance
  • the odor of alcohol
  • bad driving
  • bizarre behavior
  • slurred speech, and
  • bloodshot eyes.

To beat a DUI charge, the defense might need to challenge the significance of an officer’s observations. It just depends on the circumstances, but it can be difficult to convince jurors that the officer’s conclusions about the driver’s intoxication were wrong.

Introduce Witnesses Who Saw Things Differently

One way to challenge an officer’s observations is to bring in witnesses who were present when you were arrested and saw things differently than the officer. Unfortunately, in many cases, there aren’t any witnesses. Or, if your witness was a passenger in your car, the prosecution might argue that your witness is biased.

Offer Valid Explanations for Your Appearance and Behavior

For some officer observations, you might be able to provide an explanation—other than intoxication—for what happened. For example, fatigue and physical disabilities can lead to poor FST performance. And bloodshot eyes can be caused by allergies and other irritants.

When Field Sobriety Tests are Unreliable

In challenging the accuracy of FST results, attorney look for ways in which the officer might have failed to follow protocol in administering the tests. For example, some of the tests must be performed on a flat surface. So, if the driver was made to perform FST on a sloped road shoulder, the defense can use this fact to cast doubt on the officer’s ultimate conclusions.

DUI Defenses Related to Illegal Traffic Stops and Unlawful Arrests

When police don’t use proper arrest procedures, it can sometimes provide you with a good defense to a DUI charge. Defenses related to arrest procedures typically involve arguing that—because police didn’t follow the law when stopping or arresting you—the judge should throw certain evidence out.

Generally, police need probable cause to stop your vehicle, and if they’re going to arrest you for a DUI, they need probable cause for that too.

Illegal Traffic Stops in DUI Cases

For the traffic stop, police have probable cause if there’s reason to believe the driver or someone else in the vehicle has broken the law. (DUI checkpoints and roadblocks are, however, an exception to the probable cause rule.) Basically, any traffic violation will suffice. But if the police pull you over without a legitimate reason, a judge is likely to say all the evidence subsequently obtained is inadmissible in court.

No Probable Cause for DUI Arrest

A valid traffic stop doesn’t necessarily make a DUI arrest proper—the officer must also have reason to believe the motorist was in violation of the state’s DUI laws. Probable cause for a DUI arrest usually comes from the officer’s observations and sometimes breath-test results.

Both forms of evidence can be tricky to challenge. An officer might say you performed poorly on FSTs, smelled of alcohol, and had slurred speech. For most judges, that would be enough evidence for probable cause. And in most situations, breathalyzer results showing your BAC was over the limit are going to make challenging probable cause an uphill battle.

Failure to Give Miranda Warnings in DUI Cases

Occasionally, Miranda warnings come into play in DUI cases. Police are generally required to give Miranda warnings prior to questioning a suspect who’s in police custody. So, if a DUI suspect who’s in police custody and hasn’t been given Miranda warnings makes an incriminating statement in response to police questioning, the statement probably can’t be used in court against the suspect.

Talking to a DUI Attorney

This article goes over some basic information about DUI defenses, but there’s no substitute for the help of a knowledgeable attorney. If you’ve been arrested for driving under the influence, you should get in touch with a qualified attorney as soon as possible.

 

Source

https://www.nolo.com/legal-encyclopedia/dui-dwi-defenses-32254.html

Speak With One Of Our DUI Attorneys In Scottsdale

Canterbury Law Group’s DUI Lawyers in Phoenix and Scottsdale will defend your case with personal attention and always have you and your best interests in mind. Call today for an initial consultation!

We are experienced criminal defense attorneys and will fight for you to obtain the best possible outcome. Our firm will rigorously represent you, so you can get on with your life. Call today for an initial consultation! 480-744-7711 or [email protected]

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

Written by Canterbury Law Group

DUI Implied Consent Laws, Chemical Testing Alcohol Blow Test

DUI Implied Consent Laws and Chemical Testing

How breathalyzers are used by law enforcement to detect and prosecute DUI/DWI offenders.

The first DUI laws prohibited driving while “under the influence” or “intoxicated” (DWI) by alcohol. So, convictions were based on the driver’s actual level of impairment. In other words, prosecutors were required in all cases to prove the driver was actually affected by the alcohol consumed. It’s still against the law to drive while impaired by alcohol. But now “per se” DUI laws also make it illegal to drive with a blood alcohol concentration (BAC) .08% or more.

Breath-test devices (also called “breathalyzers”) give police a quick and easy way to determine how much a driver has had to drink, and breath-test results are often used in court to prove a DUI charge.

This article discusses the differences between two types of breathalyzers: PAS (“preliminary alcohol screening”) and EBT (“evidential breath test”) devices.

PAS Tests

PAS devices are breathalyzers that police use in the field. (In some states, PAS devices are called “PBTs,” for “portable breath test.”) Generally, PAS devices are used by police to determine whether the driver has had too much to drink—not necessarily the precise amount of alcohol in the driver’s system. In other words, police typically use PAS tests to assess whether there’s probable cause for an arrest rather than to gather evidence for trial.

The small size of PAS devices makes them convenient for roadside use. But PAS machines aren’t always all that accurate. Accuracy does, however, depend on the specifications of the particular device. Some handheld breathalyzers—especially some of the more expensive models—are fairly precise.

Implied consent laws generally require all drivers lawfully arrested for a DUI to submit to chemical testing (normally, a breath or blood test). However, many states make prearrest PAS tests optional—meaning, there’s no legal consequence for a driver who refuses a PAS test.

In some states, PAS results can’t be used in court—are “inadmissible,” in other words—to prove a DUI charge.

Field Sobriety Tests

With FSTs, the officer tests the driver’s balance, coordination, and cognitive abilities. FSTs typically involve tasks like balancing on one leg, walking a straight line, or following a pen or other object with your eyes.

FSTs are optional—meaning, there aren’t any legal consequences for refusing to participate.

Implied Consent Laws and DUI Chemical Tests

If the police officer continues to suspect the person is under the influence, he or she might arrest the person and move on to more scientific tests. Every state has “implied consent” laws, which say that anyone lawfully arrested for driving under the influence must agree to take a chemical test to determine the amount of alcohol and drugs in his or her system. In most cases, the test will be of the driver’s blood or breath. However, occasionally, the officer will ask the driver to give a urine sample.

The results of these tests can be vitally important in determining whether a driver is charged or convicted of DUI. (A “per se” DUI charge is based on the concentration of drugs or alcohol the driver has in his or her system.) Prosecutors often rely heavily on chemical test results in proving a DUI charge at trial.

EBT Devices

Once a DUI arrest is made, officers typically want to take an accurate measurement of the driver’s BAC. The end-goal of a DUI arrest is to get a conviction in court. BAC is crucial for proving a DUI per se charge and can also be helpful in proving an impairment charge.

EBT devices provide police with the easiest way to get a precise BAC measurement. Though blood tests may be slightly more accurate, they require the assistance of medical personnel and are more invasive than breath tests.

EBT machines are typically more accurate but larger than PAS devices. Whereas a PAS device would fit in the palm of your hand, EBT devices are normally big, stationary machines that are kept at the jail or police station.

A driver generally does not have a right to refuse an EBT. (Though some states let drivers choose between blood, breath, or urine testing.) Refusal typical leads to a longer license suspension than would otherwise be the case. And, in most states, prosecutors are allowed to tell the jury at trial that the driver refused DUI testing.

Source

https://www.nolo.com/legal-encyclopedia/dui-breath-alcohol-tests.html

Speak With One Of Our DUI Attorneys In Scottsdale

Canterbury Law Group’s DUI Lawyers in Phoenix and Scottsdale will defend your case with personal attention and always have you and your best interests in mind. Call today for an initial consultation!

We are experienced criminal defense attorneys and will fight for you to obtain the best possible outcome. Our firm will rigorously represent you, so you can get on with your life. Call today for an initial consultation! 480-744-7711 or [email protected]

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

Written by Canterbury Law Group

Married Debt

Whether you are liable for your spouse’s debts depends on whether you live in a community property or equitable distribution state.

Whether you and your spouse are responsible for paying each other’s debts will depend primarily on where you live. If your state follows “common law” property rules, spouses are only liable for their own debts, with a few exceptions. For instance, both spouses must pay debts for family necessities like food, shelter, or tuition for the kids, although how states treat joint and separate debts varies slightly, so you’ll want to check your state laws.

However, if you live in one of a few states with “community property” rules, both you and your spouse will owe most debts incurred by either one of you during the marriage.

Keep reading to learn more about:

  • when you owe your spouse’s debts, and
  • how community property laws will affect you and your spouse in bankruptcy.

If you plan to file for bankruptcy in California or another community property state, you’ll want to know about the “limited community property discharge” that arises when only one spouse files for bankruptcy. Although all community property will be safe from creditor collection, the nonfiling spouse’s separate property will remain at risk.

Community Property States

The states that follow community property rules are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin. (In Alaska, spouses can sign an agreement making their assets community property, but few people choose to do this.)

When Are You Responsible for Your Spouse’s Debt?

In community property states, most debts incurred by either spouse during the marriage are owed by the “community” (the couple), even if only one spouse signed the paperwork for a debt. The key here is during the marriage. So if you incur a debt, such as a credit card balance, while you’re single and then get married, it won’t automatically become a joint debt. However, an exception can occur when a spouse signs on to an account as a joint account holder after getting married. Some states, like Texas, have a more nuanced way of analyzing who owes what debts by evaluating who incurred the debt, for what purpose, and when.

After a legal separation or divorce, only the spouse who incurred the debt owes it unless the debt was incurred for family necessities, to maintain jointly owned assets (for example, to fix a leaking roof), or if the spouses keep a joint account.

If you’re considering wiping out debt in bankruptcy with a debt discharge, start by learning how bankruptcy works and what to avoid before filing for bankruptcy.

How Are Income and Property Shared Between Spouses?

In community property states, couples share income, as well. All income earned by either spouse during marriage and property bought with that income is community property, owned equally by husband and wife. Gifts and inheritances received by one spouse and separate property owned before marriage that remains separate are the respective property of one spouse alone. Comingling a gift or inheritance, such as by adding it to a joint bank account, could erase the protection. All income or property acquired after a divorce or permanent separation is also separate.

What Property Can Be Taken to Pay Debts?

In a community property state, creditors of one spouse can go after the assets and income of the married couple to make good on joint debts, and remember, most debts incurred during marriage are joint debts.

You’ll find out more about when you’re responsible for your spouse’s business debt here.

Creditors can go after joint assets in a community property state no matter whose name is on the asset’s title document. For example, a business owner’s name might not be on the title to her spouse’s boat. Still, in most community property states, that won’t stop a creditor from suing in court to take the boat to pay off the business owner’s debts assuming the boat was purchased with community funds and not separate funds.

Community property collection rules also apply to a spouse’s separate debt, such as one spouse’s child support obligation from a prior relationship, or a debt in one spouse’s name only where the spouse hid the marriage. In that case, a creditor can go after only that spouse’s half of the community property to repay the debt.

Do You Owe Your Spouse’s Student Loans?

With one exception (see below), the community property rules apply to student loan debt the same way they apply to other debts acquired during the marriage. Both spouses are responsible 100% for a student loan taken out during the marriage even though only one spouse signed for it. When the parties divorce, each spouse will be awarded 50% of the debt in the property settlement.

California presents an exception to the rules applied in other community property states. According to California law, student loans aren’t community debts, and a judge doesn’t have to split this kind of debt 50/50.

Recognizing that a student loan can benefit both spouses, California takes a more equitable approach than other states. In assigning each spouse a percentage of the outstanding student loan, a judge will consider factors like:

  •  the effect of the course of study on the community
  •  whether the other spouse also went to school, and
  •  the course of study’s effect on the spouse’s ability to support the community.

How to Remove a Spouse’s Liability

Couples in community property states can sign an agreement with each other to have their debts and income treated separately. Signing a pre- or postnuptial agreement like this can make sense for a couple before one spouse goes into business. But if you’re already in business, signing an agreement now won’t protect your spouse from liability for business debts that you already owe, only from liability for future business debts.

Keep in mind that this agreement will be between you and your spouse. It likely won’t affect whether a creditor can pursue you for debt, only your ability to pursue your spouse’s personal assets for payment. Check with your family law lawyer or bankruptcy lawyer for clarification.

You can also sign an agreement with a particular store, lender, or supplier, stating that the creditor will look solely to your separate property for repayment of any debt, essentially removing your spouse’s liability for any obligation or debt from the contract—if you can get the other party to agree.

How Does Bankruptcy Work in Marriage?

If only one spouse files for Chapter 7 bankruptcy in a community property state, creditors can collect community debts against the nonfiling spouse. However, the creditor can’t forcibly take community assets to pay community debt discharged in the filing spouse’s bankruptcy. The creditor can only collect against the nonfiling spouse’s separate property.

This protection is known as a “limited community property discharge.” (11 USC § 524(a)(3).) Also, if you’re considering divorce, talk with your lawyer about the effect the divorce will have on your limited community discharge. You could likely lose its protection. Learn more about filing for bankruptcy without your spouse.

Source

https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html

Written by Canterbury Law Group

Establishing Paternity and FAQ

When a child is born to a married couple, a legal presumption arises that the husband is the child’s father. This isn’t the case with unmarried couples. Establishing paternity is important for unmarried couples in the event they break up and one parent seeks custody or child support for inheritance purposes or a variety of other circumstances. If the parents get married after the mother becomes pregnant but before birth, the husband’s paternity is established in the same manner as if the parents were married at the time of conception.

But sometimes paternity is established after birth, especially when the presumptive father has denied paternity. Read on for a detailed look at the chronology of establishing paternity.

Establishing Paternity After Birth

If the parents marry after the child is born, they can sign a legitimation form (or a Declaration of Paternity), which grants the same rights as if the parents were married at the time of birth.

Even if parents never marry, paternity can be established voluntarily when the parents are certain of the father’s identity. In such cases they may sign a legal form called a voluntary acknowledgment of paternity, or something similar, and then file the form with the court or appropriate state agency. Executing this voluntary acknowledgment can be done right in the hospital following the child’s birth, or any time thereafter. The father’s name is then included on the child’s birth certificate.

Even if a voluntary acknowledgment isn’t signed, the parties may later enter into an agreement with the help and advice of their attorneys that establishes the father’s identity and resolves custody and support issues.

Filing a Paternity Lawsuit

If neither of these voluntary procedures occurs, legal action may be necessary. A mother may file a paternity action to establish that the man she believes to be her child’s father in fact is, or, if the mother is receiving public assistance, the state may initiate the action in order for the child to begin receiving support from the father. The putative, or probable, father’s presence in court will be demanded, and he may be required to submit to DNA testing if he contests his paternity. Genetic blood test results are usually available within a few weeks, and they can establish (or negate) paternity with about 99 percent accuracy.

If paternity is established in this manner, the court will enter an order regarding the father’s paternity. The father then becomes legally obligated to pay child support according to the state’s guidelines, which are generally based on both parents’ incomes and the needs of the children.

Settling Before the Verdict

At any time in this process prior to entry of the court’s order, the parties may still enter into a settlement agreement that resolves the custody and financial issues relating to the child. In most instances, it will be the father that is legally required to provide financial support to his children. One alternative option that is sometimes pursued, however, is to offer the mother a lump-sum child support payment in exchange for her agreement to not pursue additional child support in the future. While this would give the mother the advantage of having a lump sum with which a major purchase, such as a home, could be accomplished, it has many potential disadvantages as well. It is also exceedingly rare for the courts to rule this way.

Once paternity has been established, the child obtains many legal rights beyond child support. The child can inherit from their father, is eligible for health insurance coverage under the father’s group policy, and  is entitled to Social Security benefits if the father dies or becomes disabled. They also may be entitled to wrongful death benefits if the father dies as a result of someone else’s negligence, can obtain medical history information, and may reap the emotional benefits of establishing paternity.

Q: How does the system legally determine the father of a child?

A: Assuming there’s no agreement between the parents, either the mother, alleged father, or even in some cases the child or a state agency can bring a paternity suit to identify a child’s genetic father. Most paternity actions are filed to establish financial or moral responsibility, gain visitation rights, or settle other controversial issues between the parents.

 

If the circumstances warrant, a judge will order a blood test from which DNA testing can conclusively determine whether the alleged father is the child’s biological father. After science determines a genetic link, the judge can make a ruling on the issues outlined above or the parties can come to a private agreement.

 

Q: Can courts recognize the biological father as the only legal father?

A: The short answer is no. The system could designate a man other than the biological father as the father of the child. Determining legal paternity can be a complicated problem which attempts to find clarity in circumstances which range from straightforward to downright complex. Making this determination in a lawsuit often involves heated arguments on both sides.

 

The legal standard for paternity varies from state to state. While we’ll cover the basics below, you should investigate your state’s laws in order to make an informed determination about your family situation.

 

There are several legal classifications of fathers. Once established, paternity is difficult to change, and unless there is a private agreement between the father and mother to the contrary, fathers must legally pay child support.

 

Acknowledged Father

An acknowledged father is the biological father of a child born to unmarried parents. These parents admit that he’s the father. In some jurisdictions, an acknowledged father and the birth mother can sign a declaration of paternity to establish paternity. The man then becomes a declarant father. Acknowledged and declarant fathers are obligated to pay child support.

 

Presumed Father

Generally, “presumed father” is the most contested categorization of fathers. There are four circumstances in which a man is presumed to be the father of the child:

 

  1. He was married to the mother when the child was either born or conceived;
  2. He attempted to marry the mother in apparent compliance with the law when the child was either born or conceived, but technical reasons invalidate the marriage;
  3. He married the mother after the birth of the child and agreed to have his name put on the birth certificate or agreed to support the child; or
  4. He welcomed the child into his home after birth and openly holds the child out as his own.

Equitable Father

A father who’s not the biological or adoptive father, but who has a close relationship with the child, or where the relationship is encouraged by the biological parents, is an equitable father. Non-biological fathers during divorce proceedings generally make this legal claim.

 

The doctrine of the equitable parent derives from the understanding that a child and a non-biological parent may have such a close parent/child relationship that the court will grant the equitable parent custody rights. It seeks to take into account the love and support of a man serving as the true, day-to-day father of a minor child.

 

These three requirements let someone be recognized as an equitable father:

 

  1. The father and child mutually acknowledge a relationship as father and child;
  2. The father desires to have the rights afforded to a parent; and
  3. The husband is willing to take on the responsibility of paying child support.

Not all states recognize equitable fathers, so be sure to investigate your state’s laws and/or contact an attorney in your state.

 

Unwed Father

Historically, unwed fathers have enjoyed fewer rights with respect to their children. If an unwed father wishes to retain rights with a minimum of court intervention, he should acknowledge his paternity and, if possible, come to an agreement with the mother confirming his status. If another man becomes the presumed father, retaining full rights for the unwed father becomes difficult.

 

Assuming that there isn’t another man who seeks to be named the child’s father, the unwed father can retain visitation rights and seek custody of the child.

 

Q: If I legally establish that a man is my child’s father, is he responsible for child support? How do I get it from him?

A: If paternity is established by one of the methods above, the father is required to provide child support. The father also gets visitation rights and can seek custody of the child.

 

Once paternity is established, if the father refuses to pay child support, or does not provide enough, he’ll be subject to enforcement measures. All states have child support or child welfare agencies which can track down “deadbeat dads” through a variety of methods, including Social Security numbers, employment records, DMV searches, etc. Courts can place liens on property, garnish wages and even imprison fathers who don’t pay child support.

 

Q: If I helped raise a child and later discovered they weren’t mine, can I sue the mother?

If a father raised a child who the mother led him to believe was his own and later discovered the child was not his biologically, he may be able to sue the mother. However, winning such a lawsuit would be difficult at best.

 

The case would most likely rely on relevant state laws and whether the mother knew the child was not his and knowingly misled him. Regardless, the advice and assistance of a legal professional who specializes in family law would be extremely valuable for a father in this kind of sensitive situation.

 

Q: What if I can’t afford to file a lawsuit for paternity?

A: Fees required to bring a paternity suit can be costly. There is the cost of legal representation. Depending on where you live and its paternity test processes, you might be required to pay for the testing. Some states have mechanisms which allow paternity suits to be filed by the state at no cost to the mother seeking to establish paternity.

 

State child support agencies will file the paternity suit on your behalf. Many of these agencies are funded by the federal Temporary Aid to Needy Families (TANF) program. Find out more about TANF and the state agencies which administer the program at the Federal Office of Family Assistance. This is not an exhaustive list, so be sure to explore your city, county and state child support agencies to find out more.

Get Legal Assistance With Your Paternity Matter

Establishing paternity is an important part of the court system as it’s one way to protect children and enforce the legal responsibilities of parents. The process for establishing paternity can differ among the various states.

In order to understand the laws of your state and how they may apply to your situation, you should consider speaking with an experienced family law attorney today.

Source: https://www.findlaw.com/family/paternity/chronology-establishing-paternity.html

Speak With Our Father’s Rights Attorneys In Scottsdale

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Our Father’s Rights, child custody, and guardianship attorneys in Phoenix and Scottsdale address your case with concern and personal attention, and always have you and your children’s best interest in mind when offering legal solutions.

We are experienced family law attorneys and will work with you to obtain the best possible outcome in your situation. You can trust us to represent you fully, so you can get on with your life. Call today for an initial consultation! 480-744-7711.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Written by Canterbury Law Group

Common Misconceptions about Divorce in Arizona Divorce & Bankruptcy: Which Comes First?

We all have our own ideas about divorce. When it comes to the legal aspects of divorce, most people have significant misunderstandings. The legal process to divorce in Arizona is straightforward, but cases that go before a judge can become really complicated. If you are considering a divorce, it’s very important to realistically understand the legal process and consequences. Here is a list of common misconceptions about divorce most Arizonians have:

Does Filing a Court Petition Equal a Divorce?

When you file for a divorce in a court, you are required to file a petition. Some people believe this petition to be equal to a legal divorce. It is not. You are legally divorced when a judge says so and issues a ruling which recognizes the formal Date of Separation. From that day on, your civil status will be officially divorced and single, but not a day before. This date is very important because your income and property ownership (that you retain after the proceedings) only become non-marital property after this date is set by the court.

Can Child Custody be Arranged According to a Prenup?

This is an absolutely inaccurate idea. Prenups can set provisions for things like asset division in a divorce. However, child custody is solely up to a family court to decide. Child custody is largely a matter of public policy that ensures the well-being of a child. That requires judicial assessment of a child’s current living situation. Therefore, having provisions for child custody is highly improper in a prenup agreement. It could possibly render the whole agreement void. To make sure your prenup agreement has no chance of being voided by a court, consult with a divorce attorney in Scottsdale.

Can A Spouse be Ordered to Pay My Attorney’s Fees?

In Arizona, the laws allow for a divorce court to order one spouse to pay the legal fees of the other in whole or part. However, this is very much subject to a judge’s independent review. The aim of these laws is to eliminate any income disparity between the spouses from hindering access to similar legal representation (going to court on “a level playing field” so to speak). However, the judge will see how “reasonable” both parties are. In other words, your spouse will be ordered to pay your legal fees if only the request is evaluated as reasonable and that your positions are in fact reasonable as presented in court.

Is Alimony is Forever in Arizona?

Courts in Arizona typically set alimony for a specific period of time, such as until a child comes of age. The purpose of alimony is to provisionally support a spouse in need. But alimony is not financial life support. If the receiving spouse dies, remarries or cohabits with another, then alimony can be terminated.   Generally speaking, the longer the duration of the underlying marriage, the longer the potential duration of payout on spousal maintenance.

Creditors will Only Go After the Spouse for Debts He or She Agrees to Pay Off

Arizona is a “community property” state. That means that any debts incurred during a marriage become the presumptive responsibility of both spouses. The actual person who signed the loan agreement may not always matter. This status applies even after a divorce. Your spouse could agree to pay off a credit card loan or the home equity line of credit in the divorce agreement, but you won’t be completely off the hook. If the spouse fails to pay, the third party creditors could come after you. Any agreement in a divorce is between you and the spouse, not the creditor.

Filing Together: A Joint Petition

A bankruptcy case starts when an individual, a married couple, or a business files official bankruptcy paperwork to the court. A married couple filing together will submit a “joint petition” containing the financial information of both spouses in one set of documents.

Divorcing couples often file together because it can be more efficient. For example, filing a joint petition comes with the following benefits:

the bankruptcy will wipe out (discharge) the qualifying debt of both spouses, thereby reducing the issues to be decided in divorce court, and it costs less to file bankruptcy together as opposed to apart.

Married couples are not obligated to file together, however. If one spouse needs bankruptcy protection immediately, an individual filing might make sense. Or each spouse might find it easier to qualify for bankruptcy after the divorce due to a mutual drop in income. But when it’s feasible, many couples find that filing together streamlines the divorce process.

Bankruptcy and Divorce Costs

Bankruptcy filing fees are the same for joint and individual filings. So filing a joint bankruptcy with your spouse before a divorce can save you a lot of legal fees. Also, if you decide to hire a bankruptcy attorney, your attorney fees will likely be much lower for a joint bankruptcy than if each of you filed separately. However, you should let your bankruptcy attorney know about your upcoming divorce as there may be a conflict of interest for him or her to represent you both.

Filing for bankruptcy before a divorce can also simplify the issues regarding debt and property division and lower your divorce costs as a result.

Chapter 7  vs. Chapter 13 Bankruptcy

Chapter 7 bankruptcy is a liquidation bankruptcy designed to get rid of your unsecured debts such as credit card debt and medical bills. In Chapter 7 bankruptcy, you usually receive a discharge after only a few months. So it can be completed quickly before a divorce.

By contrast, a Chapter 13 bankruptcy lasts three to five years because you have to pay back some or all of your debts through a repayment plan. So if you were looking to file a Chapter 13 bankruptcy, it might be a better idea to file individually after the divorce because it takes a long time to complete.

Property Division

Wiping out your debts jointly through bankruptcy will simplify the property division process in a divorce. However, before filing a joint bankruptcy, you must make sure that your state allows you enough exemptions to protect all property you own between you and your spouse. Certain states allow you to double the exemption amounts if you file jointly. So if you own a lot of property, it may be a better idea to file a joint bankruptcy if you can double your exemptions.

If you can’t double your exemptions and you have more property than you can exempt in a joint bankruptcy, it may be more advantageous to file individually after the property has been divided in the divorce. Also, keep in mind that if you file bankruptcy during an ongoing divorce the automatic stay will put a hold on the property division process until the bankruptcy is completed.

Discharging Marital Debt

Litigating which debts should be assigned to each spouse in a divorce can be a costly and time-consuming process. Further, ordering one spouse to pay a certain debt in a divorce decree does not change the other spouse’s obligations toward that creditor.

For example, let’s say your ex-husband was ordered in the divorce to pay a joint credit card you had together. If he doesn’t pay it or files bankruptcy, then you are still on the hook for the debt, and the creditor can come after you to collect it. If you end up paying the debt, you have a right to be reimbursed by your ex-husband because he violated the divorce decree. This holds true even if he filed bankruptcy because he can discharge his obligation to pay the creditor but he cannot discharge his obligations to you under the divorce decree.

However, trying to collect from your ex will usually mean spending more money to pursue him in court. As a result, it may be in both spouses’ best interest to file bankruptcy and wipe out their combined debts before a divorce.

Income Qualification for Chapter 7 Bankruptcy

If you intend to file a Chapter 7, the decision to file before or after a divorce can come down to income if you maintain a single household. If you wish to file jointly, you must include your combined income in the bankruptcy. If your joint income is too high and you don’t pass the Chapter 7 means test, you might not be able to qualify for a Chapter 7.

This can happen even if each spouse’s income individually is low enough to qualify on his or her own. This is because Chapter 7 income limits are based on household size and the limit for a household of two is not twice that of a single person household (it’s usually only slightly higher). In that case, it may be necessary to wait until each spouse has a separate household after the divorce to file bankruptcy.

Written by Canterbury Law Group

DUI Implied Consent Laws, Chemical Testing Alcohol Blow Test

DUI Implied Consent Laws and Chemical Testing

How breathalyzers are used by law enforcement to detect and prosecute DUI/DWI offenders.

The first DUI laws prohibited driving while “under the influence” or “intoxicated” (DWI) by alcohol. So, convictions were based on the driver’s actual level of impairment. In other words, prosecutors were required in all cases to prove the driver was actually affected by the alcohol consumed. It’s still against the law to drive while impaired by alcohol. But now “per se” DUI laws also make it illegal to drive with a blood alcohol concentration (BAC) .08% or more.

Breath-test devices (also called “breathalyzers”) give police a quick and easy way to determine how much a driver has had to drink, and breath-test results are often used in court to prove a DUI charge.

This article discusses the differences between two types of breathalyzers: PAS (“preliminary alcohol screening”) and EBT (“evidential breath test”) devices.

PAS Tests

PAS devices are breathalyzers that police use in the field. (In some states, PAS devices are called “PBTs,” for “portable breath test.”) Generally, PAS devices are used by police to determine whether the driver has had too much to drink—not necessarily the precise amount of alcohol in the driver’s system. In other words, police typically use PAS tests to assess whether there’s probable cause for an arrest rather than to gather evidence for trial.

The small size of PAS devices makes them convenient for roadside use. But PAS machines aren’t always all that accurate. Accuracy does, however, depend on the specifications of the particular device. Some handheld breathalyzers—especially some of the more expensive models—are fairly precise.

Implied consent laws generally require all drivers lawfully arrested for a DUI to submit to chemical testing (normally, a breath or blood test). However, many states make prearrest PAS tests optional—meaning, there’s no legal consequence for a driver who refuses a PAS test.

In some states, PAS results can’t be used in court—are “inadmissible,” in other words—to prove a DUI charge.

EBT Devices

Once a DUI arrest is made, officers typically want to take an accurate measurement of the driver’s BAC. The end-goal of a DUI arrest is to get a conviction in court. BAC is crucial for proving a DUI per se charge and can also be helpful in proving an impairment charge.

EBT devices provide police with the easiest way to get a precise BAC measurement. Though blood tests may be slightly more accurate, they require the assistance of medical personnel and are more invasive than breath tests.

EBT machines are typically more accurate but larger than PAS devices. Whereas a PAS device would fit in the palm of your hand, EBT devices are normally big, stationary machines that are kept at the jail or police station.

A driver generally does not have a right to refuse an EBT. (Though some states let drivers choose between blood, breath, or urine testing.) Refusal typical leads to a longer license suspension than would otherwise be the case. And, in most states, prosecutors are allowed to tell the jury at trial that the driver refused DUI testing.

Source

https://www.nolo.com/legal-encyclopedia/dui-breath-alcohol-tests.html

Speak With One Of Our DUI Attorneys In Scottsdale

Canterbury Law Group’s DUI Lawyers in Phoenix and Scottsdale will defend your case with personal attention and always have you and your best interests in mind. Call today for an initial consultation!

We are experienced criminal defense attorneys and will fight for you to obtain the best possible outcome. Our firm will rigorously represent you, so you can get on with your life. Call today for an initial consultation! 480-744-7711 or [email protected]

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

Written by Canterbury Law Group

Paternity Blood Tests and DNA

When a child is born to a married couple, a legal presumption arises that the husband is the child’s father. This isn’t the case with unmarried couples. Establishing paternity is important for unmarried couples in the event they break up and one parent seeks custody or child support for inheritance purposes or a variety of other circumstances. If the parents get married after the mother becomes pregnant but before birth, the husband’s paternity is established in the same manner as if the parents were married at the time of conception.

But sometimes paternity is established after birth, especially when the presumptive father has denied paternity. Read on for a detailed look at the chronology of establishing paternity.

Establishing Paternity After Birth

If the parents marry after the child is born, they can sign a legitimation form (or a Declaration of Paternity), which grants the same rights as if the parents were married at the time of birth.

Even if parents never marry, paternity can be established voluntarily when the parents are certain of the father’s identity. In such cases they may sign a legal form called a voluntary acknowledgment of paternity, or something similar, and then file the form with the court or appropriate state agency. Executing this voluntary acknowledgment can be done right in the hospital following the child’s birth, or any time thereafter. The father’s name is then included on the child’s birth certificate.

Even if a voluntary acknowledgment isn’t signed, the parties may later enter into an agreement with the help and advice of their attorneys that establishes the father’s identity and resolves custody and support issues.

Filing a Paternity Lawsuit

If neither of these voluntary procedures occurs, legal action may be necessary. A mother may file a paternity action to establish that the man she believes to be her child’s father in fact is, or, if the mother is receiving public assistance, the state may initiate the action in order for the child to begin receiving support from the father. The putative, or probable, father’s presence in court will be demanded, and he may be required to submit to DNA testing if he contests his paternity. Genetic blood test results are usually available within a few weeks, and they can establish (or negate) paternity with about 99 percent accuracy.

If paternity is established in this manner, the court will enter an order regarding the father’s paternity. The father then becomes legally obligated to pay child support according to the state’s guidelines, which are generally based on both parents’ incomes and the needs of the children.

Settling Before the Verdict

At any time in this process prior to entry of the court’s order, the parties may still enter into a settlement agreement that resolves the custody and financial issues relating to the child. In most instances, it will be the father that is legally required to provide financial support to his children. One alternative option that is sometimes pursued, however, is to offer the mother a lump-sum child support payment in exchange for her agreement to not pursue additional child support in the future. While this would give the mother the advantage of having a lump sum with which a major purchase, such as a home, could be accomplished, it has many potential disadvantages as well. It is also exceedingly rare for the courts to rule this way.

Once paternity has been established, the child obtains many legal rights beyond child support. The child can inherit from their father, is eligible for health insurance coverage under the father’s group policy, and  is entitled to Social Security benefits if the father dies or becomes disabled. They also may be entitled to wrongful death benefits if the father dies as a result of someone else’s negligence, can obtain medical history information, and may reap the emotional benefits of establishing paternity.

Paternity can be determined by highly accurate tests conducted on blood or tissue samples of the father (or alleged father), mother, and child. These tests have an accuracy range of between 90 and 99 percent. They can exclude a man who is not the biological father, and can also show the likelihood of paternity if he’s not excluded. These tests have a significant legal impact when it comes to establishing child custody and support.

In a contested paternity case, a party must submit to genetic tests at the request of any other party. If the father could be one of several men, each may be required to take a genetic test to determine paternity. There are several different ways to establish whether an alleged father is the natural and legal father of the minor child, such as the use of paternity blood tests and DNA paternity tests.

Paternity Blood Tests

Paternity blood tests were first performed in the middle half of the twentieth century, by comparing blood types of tested parties. This involved isolation of blood sera from antigen-challenged individuals that did not possess certain red blood cell antigens. These antigens are protein molecules that may be combined with sugar molecules, and reside in the red blood cell membrane. These sera cause coagulation of red blood cells in individuals that possess that particular red blood cell antigen.

In the ABO blood typing system, humans can possess the A antigen (A blood type), the B antigen (B blood type), both the A and B antigen (AB blood type), or neither of these antigens (O blood type). Red blood cell antigen systems of this sort can be used for paternity blood testing because there are genes that code for the antigens and these are inherited genes.

A mother who has Type B blood and a father who has Type O blood could not have a child who has type AB blood. The true father of the child must have the gene for the A antigen. Using RBC antigen systems for paternity blood testing did not provide for a very powerful test because the frequencies of the genes that coded for the antigens are not very low.

In the 1970s a more powerful test was developed using white blood cell antigens or Human Leukocyte Antigens (HLA), resulting in a test that was able to exclude about 95 percent of falsely accused fathers. Several milliliters of blood are required to perform the test.

Blood types alone cannot be used to determine who the father is, but they can be used to determine the biological possibility of fatherhood.

DNA Paternity Tests

DNA (deoxyribonucleic acid) is the genetic material present in every cell of the human body. Except in the case of identical multiple births, each individual’s DNA is unique. A child receives half of his or her genetic material (DNA) from the biological mother, and half from the biological father. During DNA testing, the genetic characteristics of the child are compared to those of the mother. Characteristics that cannot be found in the mother must have been inherited from the father.

DNA paternity testing is the most accurate form of paternity testing possible. If DNA patterns between the child and the alleged father do not match on two or more DNA probes, then the alleged father can be totally ruled out. If the DNA patterns between mother, child, and the alleged father match on every DNA probe, the likelihood of paternity is 99.9 percent.

A DNA test can be performed by testing the blood or a cheek swab. A blood test uses Restriction Fragment Length Polymorphism (RFLP) to compare the father’s DNA with the DNA of the child. A cheek swab uses a buccal smear to collect cells inside the cheek to test for DNA.

These tests provide a DNA sample for testing. Children can be tested at any age. Paternity DNA testing can even be done on an umbilical cord blood specimen at birth. Since DNA is the same in every cell of the human body, the accuracy of testing performed on cheek cells utilizing the Buccal Swab is the same as an actual blood sample.

Need Help Establishing Paternity? Get in Touch with an Attorney

From paternity blood tests to DNA paternity tests, the science behind determining a child’s father has advanced quite significantly over time. However, certain legal procedures are required in order to compel someone to submit to a paternity test. If you’re interested in learning more about how to establish paternity, you should consult with a family law attorney in your area.

Source

https://www.findlaw.com/family/paternity/paternity-tests-blood-tests-and-dna.html

Source: https://www.findlaw.com/family/paternity/chronology-establishing-paternity.html

Speak With Our Father’s Rights Attorneys In Scottsdale

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Our Father’s Rights, child custody, and guardianship attorneys in Phoenix and Scottsdale address your case with concern and personal attention, and always have you and your children’s best interest in mind when offering legal solutions.

We are experienced family law attorneys and will work with you to obtain the best possible outcome in your situation. You can trust us to represent you fully, so you can get on with your life. Call today for an initial consultation! 480-744-7711.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Written by Canterbury Law Group

The Differences Between a Charge Off and Repossession in Bankruptcy

What Happens to Liens in Chapter 7 Bankruptcy?

Learn the difference between a charge off and a repossession and how they’re handled in bankruptcy cases.

A charge off and a repossession are two very different things—although both could happen to one debt. In this article, you’ll learn what each term means, as well as how the bankruptcy court handles these events in Chapter 7 and Chapter 13 bankruptcy.

What Is a Charge Off?

“Charge off” is an accounting term that simply means that the account has been removed from the company’s books because no payments have been made in 120 to 180 days (depending on the type of account.)

Most people come across the term “charge off” after reviewing a credit report. Because a charge off is associated with an unpaid debt, many assume that charged off means that the debt is no longer collectible and that you no longer owe the money. That’s not the case.

A notation of a charge off indicates that the lender is no longer showing the account as a bad debt on the bottom line. That usually doesn’t stop the lender’s collection efforts. The lender can continue trying to collect the debt. Often the lender will transfer or sell the debt to a collection agency. In turn, the collection agency either collects the debt for the lender or, if the collection agency purchased the debt, collects it for its own benefit. Either way, a charge off is merely an accounting term, and you still owe the debt.

The Federal Reserve requires a lender to charge off a credit card debt when it is 180 days late. A car loan or installment loan must be charged off when it is 120 days late.

Can a Charged Off Loan be Reinstated?

Once a loan is charged off, don’t count on the loan showing up on the company’s books again. Even if you offer to pay it, chances are it’s been transferred or sold and the original company no longer has an interest in it. If you pay the debt, the company that purchased the account should show that you paid it off, but unfortunately, the original lender can continue reporting the charge off for seven years.

How are Charge Offs Treated In Bankruptcy?

When you file for bankruptcy, you agree to disclose your entire financial situation in exchange for the benefits provided by the chapter that you file. (Find out which bankruptcy will be better for you in What Is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?)

You must list all debts when you fill out your bankruptcy paperwork—including charged off accounts. If you don’t list them, you risk the debts not being discharged (wiped out). All kinds of debt can be charged off, including car loans and other debt secured by collateral, and unsecured debt, like a credit card balance, medical bill, or personal loan. If you file for Chapter 7 bankruptcy, you can expect the court to discharge the charged-off debt within three to four months (the average time it takes for a Chapter 7 case to end). In a Chapter 13 bankruptcy, you’ll pay any discretionary income—the amount remaining after paying allowed monthly expenses—to your unsecured creditors over the course of your Chapter 13 bankruptcy payment plan. All eligible unsecured debts get discharged when you complete your plan.

If the charge off is a secured debt—such as a car loan or mortgage—then you’ve likely already lost the collateral (the house or the car) through repossession (see below) or foreclosure. In that case, you’ll list the account as an unsecured debt in your bankruptcy paperwork.

If a debt has been charged off but you still have the collateral, and you’d like to keep it, you should speak with a bankruptcy attorney as soon as possible.

What Is a Repossession?

A repossession occurs when a creditor takes possession of the collateral—usually a car—that you put up when taking out a loan. Here’s how it works.

Before a lender agrees to lend you money for a car purchase, you must agree to guarantee payment of the loan with the vehicle. The contract creates a lien in favor of the lender. The lien allows the lender to take the car, sell it, and apply the sales proceeds to the loan if you default on your payment. If the auction price isn’t enough to pay off the loan, you’ll still owe the remainder called a “deficiency balance.” (The lender releases the lien on the car after you pay the loan balance.)

Can a Loan on a Repossessed Car be Reinstated?

If you lose the car to repossession, most state laws will give you some time to get the car back. The process is called “reinstating the loan.” Reinstatement requires you to pay any past-due amount, as well as the lender’s costs for the repossession.

Repossessions can occur with property other than cars as well. Furniture, jewelry, and other personal property pledged to secure a loan can be repossessed, as long as the lender follows the state laws.

Can a Car Loan be Charged Off Without a Repossession?

It’s possible to charge off a loan without having the dealer repossess the car. As stated earlier, car loans are supposed to be charged off if no payment has been made for 120 days. But, unsecured debt, like credit cards or medical accounts, can stay on the books until they’re 180 days old. Usually, a lender will repossess the collateral and sell it, long before 120 days pass. Almost always, the proceeds of the sale won’t be enough to cover what’s owed on the loan, and most lenders will need to charge off the remaining balance.

No law requires the lender to repossess the collateral before charging off the loan. The lender could choose to do it the other way around or could choose not to repossess the car at all. The lender might be forced to forgo repossession if the car can’t be located or if the car’s value is less than it would cost to sell at auction (for instance, if the car was totaled in an accident). The lack of a repossession doesn’t alter the need to charge off the loan or prevent the lender from selling the charged off loan to a debt buyer.

How are Repossessions Treated In Bankruptcy?

If your car is repossessed before the bankruptcy is filed, you might be able to reinstate the loan and regain possession of the car, but you have to work quickly. You’ll have to file a Chapter 13 bankruptcy case and propose a three to five-year repayment plan.

In Chapter 13 bankruptcy, it’s possible to reinstate a loan by including it in your repayment plan. In fact, this is one of the key benefits of a Chapter 13 bankruptcy case. Not only will it stop a repossession (or a foreclosure) in its tracks, but you can spread out your payment arrearages over the repayment plan rather than paying the entire overdue amount right away. You’ll have to continue paying your monthly payments, too, but by the end of the payment plan, you’ll own the car free and clear. If you don’t want to keep the car, the balance owed will get discharged (wiped out) with other qualifying debt at the end of your plan.

Filing a Chapter 7 case instead will not help you get your car back, because Chapter 7 has no mechanism for getting you caught up or reinstating the loan.

Which is Worse: Charge Off or Repossession?

If you default on your car loan, you could suffer a charge off, a repossession, or both. It’s hard to know whether the charge off or the repossession looks worse on your credit report. Credit scores are based on all the information in your credit report, good and bad, and the credit reporting agencies and companies that produce credit scores like the FICO score keep their scoring models a secret. Someone having trouble with one account like a car loan often has difficulty keeping other accounts in line. Your credit score can take a hit from late car payments, repossessions, past due credit card payments, judgments, tax liens, and other negative or derogatory entries.

Experience tells us that both a repossession and a charge off of the car loan can cause a significant hit, maybe as much as 100 points. Not only will both a repossession and a charge off have a profound effect on your score in the short run, but they will also continue to influence your credit score and the credit decisions of potential lenders for seven years (although the derogatory information has less effect on your credit score the older it gets.)

Source

https://www.nolo.com/legal-encyclopedia/the-differences-between-a-charge-off-and-repossession-in-bankruptcy.html

Written by Canterbury Law Group

Establishing Paternity

When a child is born to a married couple, a legal presumption arises that the husband is the child’s father. This isn’t the case with unmarried couples. Establishing paternity is important for unmarried couples in the event they break up and one parent seeks custody or child support for inheritance purposes or a variety of other circumstances. If the parents get married after the mother becomes pregnant but before birth, the husband’s paternity is established in the same manner as if the parents were married at the time of conception.

But sometimes paternity is established after birth, especially when the presumptive father has denied paternity. Read on for a detailed look at the chronology of establishing paternity.

Establishing Paternity After Birth

If the parents marry after the child is born, they can sign a legitimation form (or a Declaration of Paternity), which grants the same rights as if the parents were married at the time of birth.

Even if parents never marry, paternity can be established voluntarily when the parents are certain of the father’s identity. In such cases they may sign a legal form called a voluntary acknowledgment of paternity, or something similar, and then file the form with the court or appropriate state agency. Executing this voluntary acknowledgment can be done right in the hospital following the child’s birth, or any time thereafter. The father’s name is then included on the child’s birth certificate.

Even if a voluntary acknowledgment isn’t signed, the parties may later enter into an agreement with the help and advice of their attorneys that establishes the father’s identity and resolves custody and support issues.

Filing a Paternity Lawsuit

If neither of these voluntary procedures occurs, legal action may be necessary. A mother may file a paternity action to establish that the man she believes to be her child’s father in fact is, or, if the mother is receiving public assistance, the state may initiate the action in order for the child to begin receiving support from the father. The putative, or probable, father’s presence in court will be demanded, and he may be required to submit to DNA testing if he contests his paternity. Genetic blood test results are usually available within a few weeks, and they can establish (or negate) paternity with about 99 percent accuracy.

If paternity is established in this manner, the court will enter an order regarding the father’s paternity. The father then becomes legally obligated to pay child support according to the state’s guidelines, which are generally based on both parents’ incomes and the needs of the children.

Settling Before the Verdict

At any time in this process prior to entry of the court’s order, the parties may still enter into a settlement agreement that resolves the custody and financial issues relating to the child. In most instances, it will be the father that is legally required to provide financial support to his children. One alternative option that is sometimes pursued, however, is to offer the mother a lump-sum child support payment in exchange for her agreement to not pursue additional child support in the future. While this would give the mother the advantage of having a lump sum with which a major purchase, such as a home, could be accomplished, it has many potential disadvantages as well. It is also exceedingly rare for the courts to rule this way.

Once paternity has been established, the child obtains many legal rights beyond child support. The child can inherit from their father, is eligible for health insurance coverage under the father’s group policy, and  is entitled to Social Security benefits if the father dies or becomes disabled. They also may be entitled to wrongful death benefits if the father dies as a result of someone else’s negligence, can obtain medical history information, and may reap the emotional benefits of establishing paternity.

Get Legal Assistance With Your Paternity Matter

Establishing paternity is an important part of the court system as it’s one way to protect children and enforce the legal responsibilities of parents. The process for establishing paternity can differ among the various states.

In order to understand the laws of your state and how they may apply to your situation, you should consider speaking with an experienced family law attorney today.

Source: https://www.findlaw.com/family/paternity/chronology-establishing-paternity.html

Speak With Our Father’s Rights Attorneys In Scottsdale

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Our Father’s Rights, child custody, and guardianship attorneys in Phoenix and Scottsdale address your case with concern and personal attention, and always have you and your children’s best interest in mind when offering legal solutions.

We are experienced family law attorneys and will work with you to obtain the best possible outcome in your situation. You can trust us to represent you fully, so you can get on with your life. Call today for an initial consultation! 480-744-7711.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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