Regular Post
Written by Canterbury Law Group

Chapter 13 Bankruptcy Cost 2021

Chapter 13 Bankruptcy Cost 2021

If you’re attempting to get out from under a mountain of debt, you’re undoubtedly thinking if Chapter 7 or Chapter 13 bankruptcy can help. Your next queries are likely to be how much Chapter 13 will cost and whether it will work for you once you’ve decided it’s the best option for your financial position. We polled readers throughout the country about their recent bankruptcy experiences in order to acquire some real-life answers to these issues. What we gathered from people who filed for Chapter 13 is as follows.

What Are the Fees for Chapter 13 Lawyers?

The law of bankruptcy is complicated and perplexing. Cases involving Chapter 13 can be very complicated, and mistakes might lead to major financial troubles down the road. So it’s no surprise that almost all of our readers (97%) hired a lawyer to assist them with the Chapter 13 bankruptcy procedure. Their legal fees often ranged between $2,500 and $5,000. However, the majority of readers (63 percent) paid $3,000 or less. Nonetheless, the average cost of $3,000 was more than double what other readers spent their lawyers to handle Chapter 7 bankruptcy cases. Because Chapter 13 cases take longer and need more labor, attorneys charge more for them. However, Chapter 13 has a benefit in terms of how attorneys’ fees are normally calculated: While the great majority of bankruptcy lawyers charge a flat fee for their basic services, they usually only require a down payment before filing the Chapter 13 bankruptcy petition. (You’ll also have to pay the filing cost, which is $313 as of December 2020.) The remainder of the attorney’s fee is then included in your Chapter 13 monthly payments, which means it comes out of the money that would otherwise go to your creditors.

When a Chapter 13 Lawyer Might Cost You More or Less

The fees charged by bankruptcy lawyers are determined by numerous factors, including their level of experience and location of practice. Attorneys’ fees, like other expenses, tend to be higher in large urban centers on the coasts. However, in Chapter 13 bankruptcy situations, there is another crucial issue to consider: The amount you pay your attorney must be approved by the court. Many courts set fee standards that they will automatically consider reasonable in order to make the approval process easier (known as “presumptive” or “no look” fees). The rules may also include a list of fundamental services that should be covered, as well as additional costs for business cases and additional services that may be required (such as filing plan modifications or motions). These assumed costs differ from one state to the next, as well as between districts within bigger ones. In a few populated states, examples of the range of presumed costs for essential services include:

  • $3,300 to $5,000 in California
  • $3,000 to $3,825 in Texas
  • $3,500 to $4,500 in Florida
  • $2,600 to $3,650 in Michigan
  • $4,000 to $5,100 in Virginia

Our findings backed up the conventional assumption that most lawyers will charge that amount or less for basic services in regions where the courts have set guidelines. However, if your case necessitates additional labor, such as when:

  • You own a firm as a solo owner.
  • Your home is worth less than what you owe, and you want to get rid of your mortgage obligation (or “discharge” it).
  • you wish to get rid of your college loans, or
  • When you declare for bankruptcy, you become a defendant in a lawsuit.

Source: https://www.nolo.com/legal-encyclopedia/chapter-13-bankruptcy-what-will-it-cost-and-will-it-work.html

bankruptcy, bankruptcy attorneys, Chapter 13, Chapter 13 Bankruptcy, Chapter 7, Chapter 7 Bankruptcy, Scottsdale Attorneys, Scottsdale Legal Help
, , , ,
0
Regular Post
Written by Canterbury Law Group

Does it Matter Who Files for Divorce First?

It’s a strategic decision whether to file for divorce before your spouse does, and one you might be able to avoid if you can file an uncontested divorce.
Is it important who files for divorce first when it’s time to end your marriage? It may be able to: When it comes to deciding some issues in a divorce, the non-moving spouse (the spouse who does not file for divorce) may be at a disadvantage.

Why Is It Important to File for Divorce First?

One (or both—more on joint filing later) spouse must file a divorce petition with the court to begin the divorce process. The petitioner is typically referred to as the “petitioner,” while the non-filing spouse is referred to as the “respondent.”

If you know there’s no way to reconcile, filing first may provide you with some strategic advantages, such as:

The location of the court is your choice. The petitioner gets to choose the jurisdiction (place) for the divorce procedures as long as the petitioner follows state and municipal regulations about where a divorce can be filed. Many states have a residence requirement in place to prevent either spouse from filing for divorce in a state or county that favors one spouse over the other. In Michigan, for example, the filing spouse must have lived in the state for at least 180 days and in the filing county for at least 10 days before the court will consider the divorce petition. (Michigan Comp. Laws, Section 552.9 (2021)) If your spouse files first and lives 100 miles away, you’ll have to travel to their courtroom for any divorce-related matters, which will take more time and money than if you filed first in the court closest to you.

Control over the divorce’s progress. The spouse who files for divorce usually has a little more say in how quickly the divorce proceeds. By filing first, you’ve started the process at your leisure, while your husband is forced to answer according to the court’s schedule. You’ll then have time to plot your next move while your spouse is working on a response.

The opportunity to make a good first impression. The petitioner’s statement concerning the grounds (reasons) for the divorce is included in the original divorce filing. The claims in the petition will be the court’s first exposure to information about the case—and if you file first, it’s up to your spouse to change the court’s first impression.

The first chance to place a temporary order. Before notifying the other spouse of the initial divorce petition, the spouse who files first might seek the court for temporary orders. These orders may place restrictions on what each spouse can do with marital finances or property, provide protection for one spouse against the other, award temporary child custody, or provide temporary child or spousal support. Non-filing spouses will have the opportunity to respond to any requests for orders, but they must do so before or at the same time as their petition response. Non-filing spouses can’t get their own temporary orders until they’ve responded to the petition.

Furthermore, the petitioner will be the first spouse to submit their case at trial in many courts. Being the first to speak at a trial isn’t always advantageous: it allows the opposing side to hear your arguments and prepare a rebuttal.

Should I Hire a Lawyer?

In some circumstances, both spouses can come together and make difficult divorce-related decisions without the assistance of an attorney or going to court. There’s no need to hire an attorney if you know you won’t be able to work things out with your husband. However, you may wish to employ an attorney to assist you in negotiating with your spouse or his or her counsel.

Even if you opt to handle your divorce on your own, you can still seek legal advice. An attorney can assist you evaluate if filing first would be advantageous in your instance during a consultation.

Is it always the case that one spouse files first?

Depending on your state’s rules, you may be able to file a “joint” divorce petition (also known as an uncontested or collaborative divorce in some jurisdictions), which implies that both spouses agree to the divorce as well as all divorce-related matters. The couple drafts a divorce settlement agreement and attaches it to their petition. In many states, an uncontested divorce is more efficient than a contested divorce, saving time, money, and relationships.

The following details must be included in your divorce settlement agreement:

  • the reason for the divorce (grounds)
  • each spouse’s portion of the filing fees at the court
  • how you’ll split up your marriage assets and debts
  • whether one spouse will pay spousal support, and if so, how much and for how long

Which spouse will be the primary caregiver for any young children (custodial parent)?

  • a timetable for the non-custodial parent’s parenting time or visitation, and
  • the amount of child support to be paid by the non-custodial parent

In most states, the court will approve a divorce if both spouses agree to all of the terms in writing. When minor children are involved, the court may ask the judge to carefully scrutinize the terms before approving them. Nonetheless, the court will allow the custody and support arrangements as long as they are in the best interests of the children.

Mediation Can Assist You in Filing a No-Fault Divorce

Divorce mediation is one option to avoid the headache of deciding whether or not to file for divorce before your spouse. You and your spouse meet with a neutral professional mediator to resolve the issues in your divorce, either in person or online. You will have a written settlement agreement to present to the court at the conclusion of a successful divorce mediation, and you will be able to proceed with an uncontested divorce.

If either spouse disagrees with any of the divorce terms, the case becomes contested, and the pair must follow the state’s contested divorce procedures.

Divorce Attorney, Family Law, Family Law Attorney, Family Law help in Scottsdale
, ,
0
Regular Post
Written by Canterbury Law Group

How Do Bankruptcy Exemptions Work

How Do Bankruptcy Exemptions Work

If you’re one among the millions of people who lost their jobs as a result of COVID-19, bankruptcy can help you clear your debts while keeping your retirement assets intact. You won’t lose your stimulus cash, though, because the new bankruptcy “recovery rebate” law preserves stimulus checks, tax credits, and child credits.

Exemptions from bankruptcy play an important role in both Chapter 7 and Chapter 13 bankruptcy. Exemptions are used in Chapter 7 bankruptcy to determine how much of your property you get to keep. Exemptions in Chapter 13 bankruptcy help you keep your plan payments modest. Learn more about bankruptcy exemptions and how they work by reading on.

What Are the Different Types of Bankruptcy Exemptions?

Exemptions allow you to keep a specific amount of assets, such as a cheap car, professional tools, clothing, and a retirement account, safe in bankruptcy. You don’t have to worry about the bankruptcy trustee appointed to your case taking an asset and selling it for the benefit of your creditors if you can exclude it.

Many exclusions cover specific property kinds up to a certain dollar value, such as a car or furnishings. An exemption can sometimes protect the asset’s total worth. Some exemptions, known as “wildcard exemptions,” can be used on any of your properties.

Is it okay if I keep my baseball cards? Jewelry? Pets?

The goal of bankruptcy is to give you a fresh start, not to take away all of your possessions. You’ll probably be able to protect other items as well, such as religious literature, a seat in a building of worship, or a burial plot, in addition to the fundamentals. Chickens and feed are even exempt in some states. However, you should not make the mistake of assuming that everything will be well.

  • Items of high value. There are no exemptions for boats, collections, pricey artwork, or holiday homes. Instead of filing for bankruptcy, owners with such valuable assets often sell the property and pay off their debts.
  • Jewelry. Many states provide protection for wedding rings up to a certain value. Don’t expect to preserve your Rolex, diamond necklace, or antique broach collection, though.
  • Pets. The dog or cat you rescued from the shelter is unlikely to fall into the trustee’s hands. Why? It’s not that you’ll have a specific exemption to protect it; rather, the trustee would have to pay more to sell it than it’s worth in most circumstances. However, if you own a valuable show dog or a racehorse with high breeding costs, you may be forced to sell it or pay for it in bankruptcy.

Exemptions: What Are They and How Do They Work?

Whether you’re filing a Chapter 7 or Chapter 13 bankruptcy, exemptions play a significant role.

Bankruptcy under Chapter 7

A liquidation bankruptcy is one in which the appointed trustee sells your nonexempt assets to satisfy your creditors. Because the bankruptcy trustee cannot sell exempt property, exemptions assist you protect your assets in Chapter 7 bankruptcy. If your state offers a $5,000 motor vehicle exemption and you only own one automobile worth $4,000, for example, you can keep it. See Exemptions in Chapter 7 Bankruptcy for more details.

Bankruptcy under Chapter 13

You can keep all of your property and rearrange your debts with a Chapter 13 bankruptcy (which can mean paying less on some of them). The amount you must pay specific creditors, however, is still determined by how much property you can exclude. Unsecured creditors who are not priority (such as credit card companies) must be paid an amount equal to your nonexempt assets. Exemptions assist keep your Chapter 13 bankruptcy plan payments modest by lowering the amount you must pay creditors. See Exemptions in Chapter 13 Bankruptcy for more details.

Bankruptcy Exemptions at the State and Federal Level

There are bankruptcy exemptions in each state. A series of exemptions is also provided by federal law. (See The Federal Bankruptcy Exemptions for further information.) Some states force you to use their exemptions, while others allow you to choose between their exemptions and the federal system (you cannot mix and match the two).

The state exemption rules you’ll be able to use will be determined by where you lived in the previous two years (called the “domicile requirements.”). Read Which Exemptions Can You Use In Bankruptcy? for more information on the distinctions between state and federal exemptions and domicile requirements.

Nonbankruptcy Exemptions in the United States

In addition to state and federal bankruptcy exemptions, there are a number of federal nonbankruptcy exemptions. These exemptions work in a similar way to bankruptcy exemptions in terms of preserving your assets. Nonbankruptcy exemptions from the federal government are only available if you use your state’s exemptions (you cannot combine the federal bankruptcy and nonbankruptcy exemptions). You can use nonbankruptcy exemptions in addition to state exemptions if you are using state exemptions. See The Federal Nonbankruptcy Exemptions for further details.

bankruptcy, bankruptcy attorneys, Chapter 13, Chapter 13 Bankruptcy, Chapter 7, Chapter 7 Bankruptcy, Scottsdale Attorneys, Scottsdale Legal Help
, , , ,
0
Regular Post
Written by Canterbury Law Group

Arizona Breastfeeding Laws & Visitation Rights Breastfed Babies

If you are searching for Arizona breastfeeding laws or visitation rights for breasfed babies, this article might help. A recent news article about a judge ordering a breastfeeding mother to switch to baby formula to facilitate visitation for the father has reinvigorated an old debate. In a custody hearing in Maine, a father petitioned that his visitation rights were being violated because the mother is still breastfeeding the child. The estranged couple has a six-month-old baby that the mother is still exclusively nursing. The father wants overnight visitation rights on the weekends, but the mother refused on the account that she needs to breastfeed the baby.

The mother claimed that she couldn’t pump enough breast milk to arrange bottle feeding the baby when the infant is the father. So she claimed that the baby should be with her on the weekends. The magistrate court disagreed.  In the custody hearing, the judge sided with the father and said that keeping the baby for breastfeeding is “not a reason to prevent [the father’s] visitation,” and it could be “considered deliberate alienation” of the father. The court recommended overnight visits that would have the baby fed formula milk.

There are some other details to the case, but the core argument involving nursing mothers’ and fathers’ visitation rights has been percolating for some time. Pediatricians recommend breastfeeding babies for up to 12 months. There’s ample scientific evidence to suggest that babies should be breastfed to ensure their health and psychological well-being. The court cannot dispute these biological factors. However, when arranging parenting time for estranged spouses with infants, breastfeeding could become a hot-button issue.

While the case was adjudicated in a different state, it’s a common question that pops up in family court in Arizona as well. Arizona does not have specific laws with regards to how to handle parenting time for a breastfeeding child. In most cases, babies are kept with mothers so they can nurse on time. If the father wants to visit, then the visits are arranged for two or three hours in a manner that doesn’t disturb nursing. However, these arrangements can change due to court recommendations on what’s best for the child.

Ideally, the best way to handle a father’s visitation with regards to a nursing baby is for the estranged parents to discuss parenting time civilly. It’s strongly advised to obtain Family Law help in Scottsdale to devise a sensible parenting time plan in accordance with court recommendations, parents’ wishes, and, above all, the well-being of the newly birthed child. Fathers who want to spend time with nursing babies should first discuss arrangements with the mother, possibly with the help of a third-party mediator.

Of course, not all estranged parents would be able to sit down together and come up with a neat parenting time plan. In that case, going to court will be the last solution. However, judges decide visitation rights for fathers with newborn babies on a case by case basis. It’s unlikely and rare that a mother would be ordered to switch to formula if she doesn’t want to or is somehow unable to. As the law is not clear on this, only your lawyer will be able to present you with the best legal solutions for the situation.  And you never know, the Arizona judge to whom your case is assigned may end up agreeing with the judge from Maine.

Arizona Breastfeeding Laws

Many mothers wonder about breastfeeding in public. First, it is perfectly legal to breastfeed in public. In Arizona, the law clearly says a mother is entitled to breastfeed her child in public and is not subject to indecent exposure laws.

A.R.S. 41-1443

“A mother is entitled to breast-feed in any area of a public place or a place of public accommodation where the mother is otherwise lawfully present.”

A.R.S. 13-1402

“Indecent exposure does not include an act of breastfeeding by a mother.”

Your baby has the lawful right to eat wherever you are. Having an upset, hungry, crying baby will call more attention to yourself than breastfeeding your baby!

What clothing do I need for breastfeeding?

Nursing in public is easy. You don’t need a special type of clothes. You can wear a loose fitting shirt or top that you can lift from the bottom. When the baby latches, let the bottom of your shirt cover your breast. Your baby’s head and body will cover the rest. You can practice in front of a mirror until you feel more confident about nursing your baby in public.

Do I need to use a nursing cover?

Some mothers are a little more comfortable nursing under a cover, but you don’t have to. You can breastfeed at your discretion without a cover as described above, but it is fine to use one if it is going to make you more comfortable. Your local WIC clinic may be able to supply you with a privacy cover, or a lightweight baby blanket is also perfectly fine.

If I’m in a public place, where am I allowed to breastfeed?

You can breastfeed anywhere you are, like the corner market, dentist’s office, or even the drug store. If you feel uncomfortable and need privacy away from home, you can find a dressing room, a fast food restaurant booth, or a nursing/ lactation room that will give you the privacy you want.

What if someone complains and doesn’t approve?

If you are in a public place and asked to stop breastfeeding your baby, ask for the supervisor or manager in charge of the establishment. A lot of people are uninformed, but the manager should be able to educate their employees about breastfeeding. You should feel confident that your baby’s needs are being met and be proud that you’re breastfeeding and providing your baby with the nourishment he or she needs!

Source

  1. “Breastfeeding in Public: Making It Work!” ARIZONA DEPARTMENT OF HEALTH SERVICES, Arizona Department of Health Services , azdhs.gov/documents/prevention/nutrition-physical-activity/breastfeeding/breastfeeding-in-public.pdf.

Family Law Consultations in Scottsdale

(480) 744-7711
INITIAL CONSULTATION

The Canterbury Law Group should be your number one choice for when you need a family law attorney. Our experienced attorneys will work with you side by side to achieve the best possible legal outcome. You can trust Canterbury Law Group to represent you fully, so you can get on with your life. Call today for an initial consultation!

*This information is not intended to be legal advice. You can contact Canterbury Law Group today to learn more about your unique situation.

Divorce & Legal Separation, Divorce Attorney, Divorce attorneys Scottsdale, Family Law, Family Law Attorney, Scottsdale Divorce
, , , , , ,
0
Regular Post
Written by Canterbury Law Group

5 New Year’s Resolutions for a Happier Marriage

A new year means a fresh start for many. It’s a chance to begin something new, whether or not you have been working at it for years before.

A new year can be just what some couples need, especially if the word divorce has come up in the past. There are New Year’s resolutions you can make that focus on you and your spouse to work at your marriage and fix any issues that have been bothering you.

Even after working at your resolution to help your marriage and it’s still not working, there is always your divorce lawyer in Scottsdale to help you evaluate your next path. Before that though, try some of the following New Year’s resolutions for couples who want to work at a happier marriage.

Have More Date Nights

A healthy marriage is one in which the couple spends time together with just the two of them. Regular date nights are a way to ensure that you have that quality time.

Date night could be anything from sending the kids off on a sleepover and having a movie night at home, to going away for the weekend to your favorite destination. Either way, the purpose is to spend alone time with your spouse.

Turn the Phone Off

Smartphones can quickly become an issue in a relationship. If you spend more time browsing your phone than you do talking with your partner, there’s a good chance an issue will come up, if it hasn’t already.

Have times during which you turn your phone off so that your attention is on your spouse and family. Don’t think that you can multitask and talk with your spouse while on your phone. It just doesn’t work that way.  The phone will alienate your spouse and your children.  Put it down for the night and focus on your spouse and kids.

Show How Much You Care

Sometimes, all a marriage needs to keep it on track is for the partners to show each other that they still care. It’s easy to forget that we still need that attention and affection after many years of marriage. We may know that our spouse loves us, but if they don’t ever say it and show that they do, that confidence can quickly fade away.  We’re all vulnerable and need affirmations of love and respect from our spouse.

Work on Communication

Communication is key in any relationship, especially in a marriage. Many fights could be avoided if the couple would properly communicate with each other.  Good communication should include when things are negative as well as when they are good. Your partner should be able to sit down and talk through any problems he or she may have, and vice versa.

Grow Your Passion

The longer you’re together, the easier it is to let the passion between the two of you fade away. Not only that, many start to lose their passion for their everyday activities in general. When that passion fades, it’s hard to be happy.  The average healthy couple who does not divorce is romantically together only 11 times a year! That is not a lot for most couples, but consider making a mutual goal to be together at least once a month to stay the course and make the marriage last for 20, 30 or 40 years or more.

Make 2019 a year that you and your partner grow your passion between the two of you, and with life. Remember why it is that you are with each other and focus on that. Take trips that will boost your passion and reignite that connection all over again. Fuel your passion for your own life by getting back into the things that you love.

Divorce Attorney, Divorce attorneys Scottsdale, Scottsdale Attorneys, Scottsdale Legal Help
, , ,
0
Regular Post
Written by Canterbury Law Group

Keep Your Credit – Avoid Bankruptcy

Debt is scary. When you open up your account and see that you owe more money than you can spare, it can quickly become overwhelming. Sometimes, the stress leads one to believe that the only remaining option is to file for bankruptcy.

Although bankruptcy doesn’t have to be the end of the world, it is best to leave it as a last resort option. If you can no longer pay any of your debt and have done all that you can to try and get afloat, bankruptcy may be your only option and ironically, the best option.

Before you make your decision, see if there are any other things you can do before calling for bankruptcy help in Scottsdale.

Sell, Sell, and Sell Some More

When the word bankruptcy comes to mind when you look at your finances, that is when you know you need to take immediate legal action. See what you have that you can afford to live without and sell it. The more quick cash you can bring it, the more debt you can pay off and avoid filing for bankruptcy.  But do not do anything until you seek counseled advice from licensed bankruptcy lawyers.

Bring in More Money

See if there are ways that you can bring in more money each month. That additional income could go straight to your debt to pay it off quicker. There are many side-gig jobs available that will pay a decent wage. Whether it be a skill you have that you can teach to children, or are crafty and can sell items, there are lots of little things you can do for extra cash.

Crack Down on Your Spending

If you still have a bit of time before you have no choice but to file for bankruptcy, sit down and go through your spending habits. See where you can make cuts and by how much. Set up a budget based on your monthly income, and try to get as much money going into your debt as possible.  But do not do any of this until speaking to a licensed bankruptcy lawyer who can and will help you map it all out in advance—do not guess on the right steps, let your lawyer show you the actual steps to make as you go.  This feels better, a lot better, as you go.

Ask for Help

There is no shame in bankruptcy.  The President of the United States has done it. It is so easy to get ourselves into debt, and so hard to get out of it. Maybe all you need is a small loan from a family member to get your payments back on schedule. Asking for help from family, friends, and professional financial people can help keep you on track to avoid bankruptcy.  Your lawyers too will show a way out.

If you’ve done all you can and bankruptcy is your only hope, do not fret. Bankruptcy does not mean the end. Although it will affect your credit score, you can then get yourself back on your feet and start over.  Your bankruptcy attorneys will show you through the tunnel to the next and hopeful life phase beyond discharge.

bankruptcy, bankruptcy attorneys, Debt, Fighting a Bankruptcy Case
, , ,
0
Regular Post
Written by Canterbury Law Group

Wanting to Be a Lawyer? These Qualities Will Help You

With every job, certain traits and qualities will help you succeed. Whether it be schooling, training, or having a natural position ability, the more merits you possess that are specific to your job, the better you can be.

A lawyer is no exception to this. There is more to just knowing the rules of law to be a successful lawyer. Your divorce attorney in Scottsdale has some advice for those who are wanting to become a lawyer.

Excellent Communication Skills

A lawyer must be able to deliver high-level communications. Good lawyers are also excellent listeners. Part of the job will be to stand up for your client, sometimes speaking for them. Public speaking skills will help aide any time you are in front of a judge, jury, or entire courtroom.

Your communication skills do not stop at verbal communication. Being able to clearly and persuasively write will be a strong asset too. There will come moments when you must draft challenging legal documents. Those documents must be as concise and easy to read.

Research Skills

There will be a lot of research happening behind the scenes before you really begin moving forward with your client. Why? Because you should know the ins and outs of the entire situation, including past examples from old cases.

The more research you can do, the better it will be for your legal clients. Having good research skills will help this process go quicker and smoother, and ensure you are getting accurate and concise information.

People Skills

No matter how much you excelled at school, you need to have people skills to be a successful lawyer. Your job revolves around people’s day to day lives. You may have to speak on behalf of a client, be face to face with the opposition, or just having to stand up in front of a large crowd.  Having good people skills will benefit you as a lawyer.

Problem-Solving Skills

Having excellent problem-solving skills is vital for a lawyer. There will come moments when you may need to be creative in finding a solution or the answer you need. Being able to think on your feet and quickly assess a situation and find a solution will be critical for a lawyer.

Perseverance

A good lawyer sticks with it until the end, no matter what, even if it ends up being a losing battle. The job can get exhausting after a while, but a successful lawyer is in it for the long haul.

Scottsdale Attorneys, Scottsdale Divorce, Scottsdale family attorneys, Scottsdale Legal Help
, , ,
0
Regular Post
Written by Canterbury Law Group

Leading Reasons for Divorce in New Marriages

If you’re in a marriage that’s less than three years old, you’ll likely experience any of the following signs that, of course, may not seem like such a big deal, to begin with.  Over time, these signs can emerge to more serious family issues.  Pay attention.

During the onset of a marriage, you may still be infatuated with each other or may be too deeply in emotional love to see any signs of things going south. Having said that, divorce attorneys in Scottsdale recommend paying attention to the following red flags in order to avoid a potentially catastrophic situation.

You Think You’re Too Good

While it may seem like a funny thought that you think you’re too good for your spouse, dissatisfaction over time will lead you to make mistakes that you may end up regretting. Take another look at your spouse’s great qualities instead of only focusing on the negative.

You Feel Constrained

Do you feel like your marriage is holding you back from achieving your potential? If you feel like you’re being tied down, chances are you’ll seek out opportunities to break out of the cage when your spouse’s back is turned.

Lack of Communication

Communication isn’t just about speaking with one another. Communication is also about understanding each other clearly and learning more about what makes each person tick. Take some time to understand the difference between talking and truly communicating.

Expectations From Each Other

For many people, marriage is the next step in the great cycle of life. Having said that, this is not the case for everyone. When two individuals get married, they have expectations from each other and the relationship. Sometimes, these expectations aren’t mutual and end up distancing two people. This goes back to our previous point about the utmost importance of communication.

Difference in Cultural Backgrounds

Differences in family members, friends, and religious beliefs may seem cute at first. However, all it takes is a few months of suppressed ideas and opposing thoughts to create real problems in a marriage.

Trust

Think about whether or not you really trust your spouse. If you find their behavior suspicious, that could be a serious red flag. Trust is an integral part of any marriage. If you can’t trust your spouse, your marriage will not survive in the long haul.

Incompatible Personalities

Both of you and your spouse may be two perfect individuals who are just entirely imperfect for each other. If you have nothing in common, it may be a better option to date other people and cut your losses.  You only can get one journey on this planet, make the best of it while you’re still healthy, attractive and have other options.

Divorce Attorney, Family Law, Family Law Attorney, Family Law help in Scottsdale
, ,
0
Regular Post
Written by Canterbury Law Group

What to Do When You are Being Sued for Arizona Credit Card Debt

If a credit card owner has incurred considerable amounts of unpaid bills, the bank or the card agency has the right to sue the cardholder also known as the ‘debtor’. If you are being sued for credit card debt in Arizona, you will first be served a “summons” for a state or federal court case. When you receive the initial notification for summons, the important thing is not to panic. Credit card debt lawsuits go through several phases and there are plenty of ways you can defend yourself effectively with the right attorney. Breathe deeply and relax.

Immediate Action Following Summons

When you have received a summons to court over a credit card debt lawsuit, don’t delay taking action. Most of all, do not ignore the summons. If you do, the suing party (the bank most likely) can obtain a judgment against you in your absence. By ignoring the case, you will not be able to argue your case in front of a judge. The judgment against you could allow the creditor to infiltrate your wages or savings to use as payment towards the credit card debt. Therefore, don’t wait to respond to the summons.  Even if you owe all of the money, you should respond in writing to the court.

If you were served the summons within the state of Arizona, you will be given 20 days to respond. If the summons were served when you were out of state, then you get 30 days to respond. Hire a bankruptcy attorney in Scottsdale during this time to file your case without missing the deadline.

How to Respond to Summons

Once you have an attorney, he or she will guide you through the process of responding to the summons appropriately. There’s a misunderstanding that responding to the summons means showing up in court on the given date. In fact, Arizona law requires defendants in debt cases to file a written response. You must write to the court before the deadline to avoid a default judgment as described above.

How Long will the Case Go On?

This depends on where the lawsuit is filed. In Arizona, there are two types of courts that handle debt-related lawsuits: the Justice Court and the Superior Court. Lawsuits for disputed amounts less than $10,000 go to the Justice Court while anything more than this will be taken to the Superior Court.

Justice Court is a small claims court where the lawsuits tend to move faster. Due to this reason, some creditors file lawsuits stating a limit of $10,000 but without including the interest and other costs. Lawsuits filed in the Superior Court can be complex so trials take longer to conclude. It’s worthwhile to check whether the creditor has filed the case in the right court as part of your defense strategy.

Formulating the Defense Strategy

There are several ways an experienced defense attorney can approach a debt collection lawsuit. Even if the case goes to trial, your lawyer can negotiate with the creditor for a debt settlement. The settlement may involve trying to reduce the total amount owed. If the debt is overwhelming, you might have to file for Chapter 7 bankruptcy, in which case a court may discharge credit card debt. This is not the ideal scenario for a creditor, so the settlement is always an option.

A skilled attorney would also consider more technical aspects of the lawsuit that may offer you relief. For example, an attorney may check whether the summons for the trial was properly served. Other aspects, such as double-checking documentation the creditor provides, will be part of the defense strategy aimed at getting you the best outcome.

Debt, Debt buyers, Debt Collection Companies, debt collectors
, , ,
0
Regular Post
Written by Canterbury Law Group

Prenups are in Higher Demand Among Millennials

Millennials are a lot more likely than their parents to require a prenuptial agreement prior to walking down the aisle. This generation also has fewer qualms about getting a prenuptial than their parents’ generation, according to the latest survey data from the American Academy of Matrimonial Lawyers (“AAML”). The AAML found that more than half of attorneys polled recently said that more millennials have requested prenuptial agreements. Only a small 2 percent of lawyers said that they had seen a decrease in millennial prenups.

A Rising Trend

Unlike their baby boom parents, millennials are less likely to view marriage through rose-colored glasses. Millenials are getting married later in life on average compared to their parents. Not only are millennial soon-to-be-married couples older, they have also had time to accumulate significant assets that they will not want to lose in case of a subsequent divorce.

Interestingly enough, it’s the millennial women who are driving the rising trend among would-be spouses demanding prenups. In the past, a prenup involved an often-wealthy groom asking the bride-to-be to sign an agreement. Prenups were more common among families with money, but now individual wealth can be the deciding factor.  This is particularly true in technology and startup companies where one spouse-to-be has accumulated significant stock and stock options prior to marriage.

What Millennials Want to Protect with Prenups

It was the norm for prenups to once protect inherited wealth. Not anymore, at least not significantly with the millennial generation. What millennials want to protect the most with a prenup is intellectual property, according to Bloomberg. Rather than protecting the family farm against a divorce, millennial spouses want to protect software, apps, songs, films, or screenplays. Interestingly, most of these assets are not even in existence when the couple gets married. What millennials really want is to protect future assets, especially creative ideas, from divorce proceedings.

Millennials included in the AAML survey responded that the most common reason for getting a prenup is the “protection of separate property.” The other two factors that mattered the most were spousal support or alimony and the division of property.

After intellectual property, millennial couples also increasingly include real estate holdings in the agreements. The “millennial prenups” are rather new. However, millennials can specifically request a prenup agreement that includes potential assets from a divorce attorney in Scottsdale.

Taking Stigma Away from Prenups

As millennials start requesting more prenups from their partners, the stigma surrounding such agreements could soon largely disappear. It used to be that couples didn’t want to discuss assets before getting hitched. It’s possible that millennials are learning from the mistakes of their parents, who were more likely to divorce than their own parents. Perhaps getting married later in life makes couples cognizant that not all marriages last a lifetime, but sometimes only a decade, or less.  Moreover, for couples who do not have children, the property disposition during a divorce can be even more important.

However, millennials do not need to worry about divorces like their parents did. The divorce rates are actually in decline nationally. It’s definitely a sign of changing times, or rather, being aware of the facts when getting married.

Many experts do agree that prenuptial agreements in general can be healthy for couples getting married. These agreements can protect individuals against acrimonious and expensive divorce proceedings later in life.  It set’s the couple’s mutual expectations early in the marriage, and no illusions are in place about what happens years later in the event of divorce.

Divorce Attorney, Divorce attorneys Scottsdale, Prenup, Prenups, Scottsdale Divorce, Scottsdale family attorneys
,
0
1 … 4 5 6 7 8 … 13