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byAlma Abell

Divorce is one way that a marriage can be dissolved; the other is by death. Given the personal and family impact involved in divorce proceedings, it is vital that, before acting, the parties obtain the advice of Divorce Lawyers in Suffolk County NY with adequate training and experience. If you are well informed, you can ensure that the divorce proceedings will go smoothly and efficiently.

After many state reforms, spouses can choose separation or a direct divorce. This means that there is no need to go through a separation period before filing for divorce. It is possible to dissolve the marriage openly. To go through with the divorce one must have proof that they have a reason for divorcing their spouse. Some states only require three months to have passed from the time of separation, without having to give a reason justifying the request.

With judicial separation by mutual consent, the judicial process is quick and easy. Simply attach the application, which may be filed by both spouses or one of them with the consent of the other. This agreement must have entered agreements by both parties regarding guardianship and custody of children, rights of visitation, pensions, use of the family home, etc. The judge and the prosecutor, if necessary, ensure the interests of children but also respect any agreements signed by both spouses. Hiring divorce lawyers is a must with divorce.

As with any contentious separation, the process is long, complex and important not only economically but also with personal cost to the spouses. Depending on circumstances, you may arrange proceedings that calls for interim measures to regulate the financial position of the spouses (matrimonial expenses). It will also look over children’s rights (division of parental rights consisting of custody, visitation and communication, alimony, etc.) while the divorce proceedings move forward. The dissolution of this bond should not affect spousal obligations to their children either.

Divorce dissolves the marriage at the civil level, which allows the spouses to marry again when they please. However, both parties need to ensure that divorce is the way to go. For more information, contact your local divorce lawyers in Suffolk County NY today.

Visit http://longislandlegal.net/ for more information on divorce lawyers.

byAlma Abell

Being overwhelmed with debt is extremely stressful, but the federal government has provided ways for individuals to get out from under the burden. Filing for bankruptcy helps the person start over and get back on track financially. Many people find the bankruptcy option known as Chapter 13 in Lawrence KS appealing because it allows them to make payments to their creditors for a few years instead of defaulting entirely. They can pay back all, or nearly all, of the money they owe. But, does it make sense to file even if they aren’t completely sure they can afford those monthly payments?

Strict Payment Plans

Before a payment plan is approved after filing for Chapter 13 in Lawrence KS, the person must verify income to prove that the payments can be made as scheduled. Theoretically, payments could be made even on a very tight budget, but this leaves no room for unexpected bills or true emergencies.

If there is no safety net of savings or the ability to borrow some money from friends or family for unexpected expenses, the bankruptcy plan will collapse at that point. Typically, even if just one payment is missed, the trustee overseeing the plan ends the agreement. The creditors can immediately begin demanding full payment and start taking legal action. The individual then , which discharges much of the debt after dissolving assets to pay whatever can be managed.

Budget Considerations

All of this can be exhausting and time-consuming. It if income levels are just barely adequate for the agreement. Consulting a lawyer such as Joseph I. Wittman Attorney at Law can provide insight on which strategy is best.

If the budget appears sufficient and would cover relatively small emergency expenses, choosing Chapter 13 could be a reasonable decision. The person must understand, however, that he or she will be living very frugally for the next three to five years. If the person’s income increases, the court requires this information to be disclosed to the trustee. Payments are likely to increase to ensure creditors receive everything they are owed.