Birmingham Divorce Lawyer: Common Errors Women Should Avoid when Going Through Divorce in Alabama -- Part 3

To finish up my final installment of things married women in Alabama should keep in mind as they approach divorce or legal separation, I’m including a few additional points to consider in this time of emotional and financial upheaval. It makes no difference whether you live in Tuscaloosa, Birmingham, or Huntsville, the situation remains the same. Divorce is a sad fact for many women and going into it with yours eyes wide open is the best strategy for getting through with the least amount of surprises.

The decisions you make during a divorce proceeding can affect you and your kids for many years to come. The old adage, “Ignorance is Bliss,” is not the phrase you want to stand by in this case. Doing lots of research and finding an experienced divorce and family law attorney to be by your side is the best plan of action for any woman facing marital strife and ultimately, divorce.

As a Birmingham divorce attorney, my clients come first. Because my job is to help them throughout the divorce process, I also try to be there for emotional and moral support. The following are some final points to keep in mind when preparing to follow through with a divorce, or when you’re just doing some investigation for the future.

6) Hard as it may be, you must face your worst economic fears. We’ve all seen the ubiquitous “bag lady” and wondered how she arrived at that station in life. Similarly, it’s not surprising that many women experience the fear that they, too, will be left to fend for themselves, homeless on the street.

Suddenly being thrust into the position of being the sole breadwinner for your family can be a frightening prospect. Being primarily accountable for all aspects of your children’s lives going forward is a big responsibility, but don’t think you’re the only person ever to face the unknowns of post-divorce life.

Your income may come up short and the bills in the mail can seem relentless, but be assured that thousands of women every year make to this point and beyond. Just look around. You probably know more than a few divorced ladies who have faced the same challenges and still made a better life for themselves and their kids. Many became strong for the experience through the entire process.

7) Never assume that your so-called ‘permanent’ alimony will always be around. It’s fairly common for women who have been married for some time and also out of the job market to receive permanent alimony. Especially if your soon-to-former spouse was a good wage earner, you will likely be awarded this by the court.

However, circumstances change. If your ex comes down with a serious illness, loses his job or gets a demotion, he is entitled to seek a reduction (or worse) termination of his monthly obligation to you. A more common situation is that the wife is awarded support for a finite period with the option of extending support in the future. In the worst of cases, the court may decide that you have the abilities and health to pursue gainful employment yourself -- if your marriage was relatively short, you may get nothing at all.

The bottom line is you must be prepared to pull yourself up by your bootstraps. They say that God helps those who help themselves and it is those with foresight who look to the future by pursuing further education and learning new skills. By taking the initiative early on, you will make yourself less vulnerable economically if and when that alimony runs out.

8) Finally, have faith in your own abilities and desire to make a better future. Believing in yourself goes a long way toward making good things happen. Don’t be so concerned about finding Mr. Right the second time around. If it happens, it happens. But until it does, concentrate on Number One. Taking control of your life as you open this newest chapter will make all the difference.

You may discover skills or talents that you never knew you had. You might find that you have abilities that were dormant during your married life, which could truly open the door to a better future. Have faith and be strong. Write your own success story and remember: Living well and being happy can sometimes be the best revenge.

Birmingham Divorce Lawyer: Common Errors Women Should Avoid when Going Through Divorce in Alabama -- Part 2

Previously, I touched on a couple points to remember when approaching divorce. Whether you live in Mobile, Dothan, Tuscaloosa of Huntsville, every woman going though or contemplating a divorce in Alabama should recognize some of the more common traps that people fall into during this emotionally draining time.

As a Birmingham divorce attorney, I always try to help my clients with all aspects of the divorce process. Whether you are just now thinking about becoming legally separated or already going through a divorce, you should always approach the process with a clear mind.

The following are some additional points to keep in mind when making the transition to being single again. Naturally, you should retain the services of an experienced divorce lawyer to make certain that you have covered all the areas that pertain to your circumstances.

3)  Learn early on the details of custody in Alabama. Sadly for many women going through divorce today, gone are the days of courts automatically handing over custody to the children’s mother. While preference has tended to go to the mother in the past, this is no longer the case when determining a sole or primary custodian for the kids of divorced parents.

Since there exist multiple options and variations on both custody and parenting provisions, you should perform at least as much research on child custody as you probably did when it came to your pregnancy or schooling your children. The more you know going into the divorce process, the better prepared you will be when the time comes to arguing for custody of your kids.

4)  Don’t always assume you absolutely must keep the house. This is one of the key mistakes that many women make when faced with divorce. And it’s not surprising since our homes often symbolize security and stability for the children. But temper this urge until you can truly assess the impact of keeping the house. Many times the costs can be much too high for a single parent.

Maybe you feel you can swing it, but also consider current market conditions and the state of the economy from a jobs perspective. Could you sell the house quickly and at the price you want if you lost you job? Renting has become a better option for some people ever since the economy got rough.

Do some number crunching with the help of a financial or legal advisor to determine all of the pros and cons of holding onto a home as a single parent. If you do decide to sell the house while the two of you are still married, or as part of a settlement, you can share the fix-up costs, carrying costs, brokerage fees and any capital gains tax with your spouse, rather than being solely responsible for them.

5)  Don’t underestimate your retirement assets. If you are still in your prime earning years, or even if you are middle-aged and still very productive, it may be difficult to fully appreciate the benefits and importance of tax-deferred assets in IRA, 401(k) or pension accounts. And although it may be tempting to take “offsetting” cash or the house or even the family car now, while putting off worrying about tomorrow for later, the tax implications could set you back further than you may know.

A financial advisor can help you to carefully analyze long-term needs versus cash-in-hand options. Again, being prepared ahead of time will save you a great deal of grief after the divorce is final. Use the internet and other specialized services to help you make the right financial decisions the first time because you usually cannot go back once you take monies out of a tax-deferred account, for instance.

Birmingham Divorce Lawyer: Common Errors Women Should Avoid when Going Through Divorce in Alabama -- Part 1

Whether you live in Bessemer, Homewood, Huntsville or Gadsden, Alabama, any woman considering divorce should be aware of the many pitfalls out there. As a Birmingham family law and divorce attorney, my job is to help guide my clients through what can be a very emotional and taxing time. Legal separation or divorce should always be approached with a eyes wide open, which is why I suggest a few things to avoid during this critical period.

While not an exhaustive list by any means, the following are some important points that every woman should keep in mind. As always, you should consult with an Alabama divorce lawyer to be sure all aspects of you’re individual circumstances are fully addressed. In coming weeks I’ll discuss a few more points.

1)
You must face the actual realities of a divorce. Since one partner or the other spouse is usually further along the emotional road to divorce, the one who is leaving the relationship may already be gone emotionally. This means that the other partner is typically expected to catch up with this early end to their marital dream while at the same time trying to get a hold of their emotional and financial future. Many times this is too much to absorb in a short time, but ignoring reality can be rather costly.

If the husband is the one leaving the relationship, the woman is more often left to address the pain of emotional betrayal while their soon-to-be-former marital partner is busy addressing what many see as the next level of betrayal that of the family finances. The answer here is to find a competent therapist or a reliable shoulder on which to cry. Do your best to “compartmentalize” as much of the emotional aspect of your pain in order to act quickly and deliberately to protect your assets.

2)
Understand that you may, in fact, be sleeping with the enemy. When we marry our future spouse, we tend to transfer all of our trust to that person -- the one we fell in love with. In most marriages, one spouse typically handles the finances while the other handles day-to-day household operations, such as feeding the kids and taking them to soccer practice and dance recitals.

For some women, it may be difficult to face up to the fact that their husband will not be taking care of all those things he previously handled for the family. Promises of trying to work things out or the feeling that if the two of you just sat down with a third party things would get better are falsely comforting and get in the way of actual planning needed to transition to being single again.

The reality is that you and your spouse take on adversarial roles where what used to be common and shared interests in things such as assets and living expenses. Because you need to be fully aware of your entire financial picture, one solution would be to assume the best, but prepare for the worst.

In this case it is important to find a qualified divorce lawyer to whom you can put some, but not all of your reliance. While you can listen to what may or may not be a fair and equitable proposition for settlement from your spouse, always consult with your attorney before making any ultimate commitments.

Alabama Divorce News: Elizabeth and John Edwards Separate following Affair and Child with Rielle Hunter

By now most everyone in Alabama, from Montgomery County to Mobile and all around the state, has heard the news of Elizabeth and John Edwards’ separation following the husband's not-so-secret affair that destroyed the couple’s marriage of 32 years. Elizabeth Edwards announced that she is separated from the former presidential hopeful and plans to move on with her life by putting such a difficult and hurtful event behind her. Can divorce be far behind for these two?

As a Birmingham divorce lawyer and family law attorney, this kind of scenario plays out across Alabama every year, so it’s no surprise that even the rich and famous get caught in the infidelity game more often than not. As for Edwards, her story is doubly sad due to her previous diagnosis of stage four breast cancer. Whatever the circumstances, the cheating spouse usually makes a mistake along the way that exposes him or her to the light of day.

On more than one occasion, I myself have been asked by potential clients what they should do if and when they suspect their spouse is cheating. There are a couple things that someone can do when contemplating a divorce of a spouse who might be having an affair on the side.

For starters, one must definitely think about retaining a private investigator to do some research into suspicious activities. In Alabama, having proof that a spouse has been cheating may have a direct affect on the property settlement in a divorce case. Fault grounds can also affect the amount of alimony the court grants to the injured party.

Furthermore, depending on whether the couple has children who were affected by the offending spouse’s conduct, this too may influence the court’s determination when it comes to custody of the kids.

A second and equally important step would be to have yourself tested for any sexually transmitted diseases (STDs). While this can be a difficult thing to face, it is very important for your own well-being and peace of mind. The sooner you find out if you have contracted an STD, the sooner you can be treated if necessary.

If you have been diagnosed with an STD, this can also significantly affect the direction fo the divorce proceedings and may be the basis of additional legal claims against the offending spouse. An experienced divorce and family law attorney is invaluable in any legal separation or divorce action and will be able to advise you on this and other issues connected with your case.


How He Got Caught, Slate.com, January 29, 2010


 

Birmingham Family Law Update: Understanding No-fault Divorce in Alabama

Last week I discussed an approach to achieving a mutual divorce settlement vis-à-vis No-fault divorce. As a Birmingham divorce attorney who has represented dozens of individuals going through what must be one of the most difficult times in any married person’s life, I can say that cooperation is one of the best ways to make a divorce proceeding go smoothly.

Frankly, in Alabama or anywhere else for that matter, separation and divorce can be life-altering events that tear at the hearts and emotions of the spouses affected, not to mention their families and even friends. Maintaining a cool approach, as hard as it may be, is one of the best things you can do for yourself at this difficult time.

Previously, I talked about how to make the process work. Here, I’m going to review the “mechanics” of a No-fault divorce here in Alabama. Before I start, I’ll remind folks again that it is essential for both parties to avoid any hostile or accusatorial tone if they wish the divorce process to go smoothly. Stay calm and you will have a much better opportunity to settle your differences and move on with your separate lives.

As for the legal grounds for an Alabama No-fault divorce includes the following:

  1. An incompatibility of temperament that results in the two parties’ inability to live together
  2. An irreversible and permanent breakdown of the marital union, which makes any attempts at reconciliation either impractical, futile, or not in the best interests of the two spouses or the family in general
  3. The voluntary abandonment by one of the spouses from bed and board for one year preceding the filing of the divorce complaint

To initiate a No-fault divorce in Alabama, one of the above reasons must be specified on a state document (Complaint for Divorce) and filed with the court. Following this, and having agreed to avoid personal attacks and accusations, the two parties should be ready and willing to accept the legal reasons for a No-fault divorce. Now it is time to meet with your individual attorneys to discuss the details of the marriage dissolution.

After accepting the reasons for the divorce, both spouses should be prepared to discuss three specific areas that must be addressed and agreed to before the dissolution of the marriage. These areas include the following:

 

Each of these areas include complicated and very serious topics, so it is a smart move to approach each of them separately and resolve one before addressing the next. Meeting each other halfway can go a long way toward speeding along the No-fault divorce process and getting on with your life.

Once a friendly agreement is arrived at for the above three areas, the balance of a No-Fault divorce includes putting the information you accumulated on various state documents including the initial divorce complaint, then signing the documents and filing them with your particular Court of Jurisdiction.

Alabama has a waiting period of 60 days from the date of signed Decree of Divorce before either spouse can remarry within the state. However, there is no waiting period for an out-of-state marriage.

Birmingham Divorce Update: Steps Toward an Alabama Divorce -- Part Two

Divorce can be a painful and life-altering event for most married people, especially if children are involved. In my last entry, I discussed a few of the initial steps when moving toward divorce in Alabama. For most individuals, going through a legal separation or divorce can be a very emotional time.

As a divorce lawyer with a Birmingham family law practice, I recommend that people in the throes of divorce attempt to avoid emotionality as much as possible. Though it is difficult, keeping a cool head is highly desirable when going through such a serious legal process as divorce. The following is the second part of my discussion on the process of divorcing in Alabama.

One of the initial steps in kicking off the formal divorce procedure is the creation of a complaint (or petition) requesting a divorce, which is filed by one or the other spouse. Once the petition is filed, the other spouse must file an answer in kind -- this is that spouse’s “response.” The petition usually includes items such as requests for temporary orders regarding custody of the couple’s children (if any) and visitation, alimony and, or in addition to, child support payments. It is not uncommon that the petitioning spouse will request the other to pay his or her lawyer costs.

Following the petition, the next step is for your attorney to undertake legal discovery. Just as in any law suit, this is done to obtain information pertinent to the divorce. This information will help determine the amount of spousal and/or child support, as well as attorney fees that you may be required to pay -- or the amount that you will receive.

Depending on your particular circumstances, retaining the services of a forensic accountant can be very helpful when searching for your spouse’s potentially hidden assets. This kind of accountant can also assist in analyzing your overall debts and assets. Others professionals involved in this process may include CPAs, appraiser and tax advisors, who can help you become aware of the tax implications and other potential risks of hanging onto or giving up property.

Prior to the commencement of settlement negotiations, it is wise to know what items you want the agreement to cover. Being able to understand the various tax consequences or other financial issues tied to each offer and counteroffer made during the negotiations is critical to a successful outcome. This is why having a qualified divorce lawyer on your side during these negotiations makes a great deal of sense.

As an unemotional advocate, an attorney can make the entire process much easier. As I have said before, keeping any possible anger out of the negotiations may help you avoid the possibility of a trial. Since divorce trials can be rather expensive for both of the spouses, this is something you should steer clear of if at all possible.

When the negotiation stage is completed, a settlement agreement will be drawn up to reflect the terms that were mutually settled upon. If, on the other hand, the negotiations break down for some reason, the divorce proceeding will head to trial, in which a judge will decide how to divvy up your assets, as well as determine which spouse will get custody of the children (if any). During the trial, the judge will also decide how much child support and/or alimony will be paid.

Regardless of how the final divorce settlement is arrived at, either through cooperative negotiation or by trial, when all is said and done a final divorce decree will be created based on the complete terms of the settlement agreement.

Birmingham Divorce Update: Steps toward an Alabama Divorce -- Part One

Here in Alabama, as elsewhere across the country, divorce is a serious step for any married person. From a personal point of view, separation or divorce is a truly emotional event. From a legal standpoint the process of divorce is fairly well defined, although the steps toward the final divorce decree will vary due to individual circumstances.

As a Birmingham divorce lawyer and family law attorney, I tell my clients to try to remain as cool and collected as possible. While emotions can run quite high, this is a legal process and you will benefit from keeping your feelings in check as much as possible as you follow the advice of your attorney. The following is the first of a two-part discussion on the process of divorcing in Alabama.

As previously mentioned, very few divorces follow the exact same steps, but whichever direction your particular situation takes you, it is always wise to seek professional help as early as possible. A qualified divorce attorney can guide you along the way. Other professionals who can be of great assistance in these trying times include therapists and financial advisors.

Your most important resource will be your attorney, which makes choosing one a critical process in itself. First and foremost, you need to learn about your legal rights as they pertain to an Alabama divorce. A lawyer well versed in this state’s divorce and family law is your best choice and he or she will be able to clearly explain the details regarding separation, spousal support and alimony, child custody and visitation, as well as guardianship, child support and future division of assets.

The first step is financial. Here you must gather all of your financial documents. Be sure to make a copy of all paperwork that you have collected and present this information to your attorney. At this point, you will be able to learn what the financial impact of a separation will have on you and your children, if any. It is important to understand that while some couples have the means to physically separate, other unfortunately cannot, which may mean taking up residence in different parts of the same house.

An essential part of the financial evaluation is making the determination of which debts were incurred before the separation, as well as after. This should include any shared bills paid and improvements, if any, made to common property during the separation. You should also use this time to update your insurance coverage if any of those improvements added value to your property.

At this point you should decide whether or not you and your spouse will be filing your taxes jointly, or separately. Next time, I’ll talk about the other steps leading to a divorce or legal separation.
 

Alabama Divorce Update: Important Legal Definitions for Divorce and Legal Separation -- Part 2

When considering divorce it is always a good idea to find a qualified family law attorney or divorce lawyer to help guide you through the labyrinth of laws and legal requirements. As a Birmingham divorce attorney I look out for the best interests of my clients went representing them in divorce court. Whether you are a husband or wife, this is a stress-filled time for many people, and my approach to compassionate representation during all phases of legal separation, divorce, child custody and other marital and post-marital agreements remains one of sympathetic, yet aggressive advocacy.

My years of experience in divorce-related and family law matters has equipped me to provide the necessary counsel during one of the most trying times in a person’s life. Here are some additional legal terms you may run across when facing a divorce or separation in the state of Alabama.

Alimony, Maintenance, Spousal Support
The awarding of alimony is determined by the court based on the need of the spouse requesting alimony and the ability of the other to pay. If fault is a factor in the divorce, the judge has the right to make an allowance to either spouse out of the estate of either spouse, or not make an allowance as the circumstances of the case may justify. However, any property acquired prior to the marriage of the parties or by inheritance or gift may not be considered in determining the amount of alimony.

Child Custody
Child support is determined using the Income Shares model, with the theory that children should continue to receive that same amount of support as if the parents were still together.

Child Custody
The courts in Alabama strives to assure that minor children have frequent and continuing contact with parents who have shown the ability to act in the best interest of their children and to encourage parents to share in the rights and responsibilities of rearing their children after the parents have separated or dissolved their marriage. The court shall in every case consider joint custody, however it may award any form of custody which is determined to be in the best interest of the child.

Joint custody does not necessarily mean equal physical custody. In determining whether joint custody is in the best interest of the child, courts typically consider the same factors considered in awarding sole legal and physical custody and all of the following factors:

  1. The agreement or lack of agreement of the parents on joint custody
  2. The past and present ability of the parents to cooperate with each other and make decisions jointly
  3. The ability of the parents to encourage the sharing of love, affection, and contact between the child and the other parent
  4. Any history of or potential for child abuse, spouse abuse, or kidnapping
  5. The geographic proximity of the parents to each other as this relates to the practical considerations of joint physical custody

 

Alabama Divorce Update: Important Legal Definitions for Divorce and Legal Separation -- Part 1

Going through a divorce can be a stressful time for most people. When a marital relationship fails, all parties, not just the husband and wife are affected; dependant children, relatives and friends all feel the pain of separation and ultimately legal divorce. As a Birmingham, Alabama, divorce lawyer and family law attorney, my job is two-fold: First, to provide my client with a strong and well-planned approach to the legal aspects of the separation, and second, to offer compassionate and informed counsel in a time of emotional upheaval.

Having an experienced attorney by one’s side is paramount when working through the various steps of legal separation and divorce. I have the training to make the process as smooth as can possibly be expected under the circumstances. The many legal terms and conditions can be confusing for some people, which is why I always recommend finding a competent divorce lawyer right off the bat.

Here are some of the legal terms you may run across when facing a divorce or separation in the state of Alabama.

Legal Separation
Here in Alabama, the state recognizes legal separation. Courts will typically enter a decree of legal separation if all of the following requirements are satisfied:

  1. The court determines that the jurisdictional requirements for the dissolution of a marriage have been met
  2. The court determines the marriage is irretrievably broken or there exists a complete incompatibility of temperament or one or both of the parties desires to live separate and apart
  3. To the extent that it has jurisdiction to do so, the court has considered, approved, or provided for child custody, and has entered an order for child support in compliance with the law

Property Division
Alabama is an equitable distribution state, which means that if the parties can't agree, the property will be distributed in an equitable fashion, not necessarily equally. All property of the wife, held by her previous to the marriage or to which she may become entitled after the marriage in any manner, is the separate property of the wife and is not subject to the liabilities of the husband. All property of the wife, whether acquired by descent or inheritance, or gift, devise or bequest, or by contract or conveyance, or by gift from or contract with the husband, is the separate property of the wife within the meaning of, and is subject to all the provisions of, this chapter, saving and excepting only such property as may be conveyed to an active trustee for her benefit.

Additional information will be included next week in part two of this discussion. 

Birmingham Family Law: Choosing Legal Separation over Divorce in Alabama

Alabama is a state that recognizes legal separation. As a Birmingham divorce attorney, a certain percentage of my clients typically ask about this option as an alternative to divorce. Legal separation, which is sometimes referred to as "judicial separation," "separate maintenance" or "divorce a mensa et thoro" (translation: "divorce from bed-and-board"), is way in which a married couple may legally formalize what can be a de facto separation while at the same time remaining legally married.

People choose legal separation for a number of reasons, but it usually is done if there is still some hope of saving the marriage, or if one or both of the parties (or even their families) have a moral or religious objection to divorce.

For the state of Alabama to recognize a legal separation, the parties shall enter a decree of legal separation if all of the following requirements are satisfied:

  1. The court determines that the jurisdictional requirements for the dissolution of a marriage have been met
  2. The court determines the marriage is irretrievably broken or there exists a complete incompatibility of temperament or one or both of the parties desires to live separate and apart
  3. To the extent that it has jurisdiction to do so, the court has considered, approved, or provided for child custody, and has entered an order for child support in compliance with Rule 32 of the Alabama Rules of Judicial Administration

As implied above, a legal separation does not necessarily lead to a divorce. It does leave the door open to reconciliation, in which case the parties usually need not do anything more, as they are still legally married. If, however, the couple does not manage to find common ground, they may then wish to go through with a divorce, which must be filed for explicitly.

As an Alabama family law and divorce lawyer, I have handled many legal separations as well as helped cleints through divorces. The law can many times be complex and confusing. A qualified legal professional with experience in family law can be a great help when guiding people through the legal process during what can be a truly difficult and emotional time.

 

Common Law Marriage and Divorce: What Cohabitating Alabama Couples should Know

With an apparent trend lower in the divorce rate across the country and likely in Alabama as well, many couples might feel that cohabitation is a viable alternative to marriage. As a Birmingham family law and divorce attorney, I know the pitfalls of this kind of approach to a long-term relationship. When it comes to separation and divorce, one or both of the parties in a live-in relationship may think they are avoiding the complications associated with a traditional marriage, but you might be surprised to know that this may not be the case here in Alabama.

Certainly, it seems that on the surface cohabitation free one party from any legal responsibility to the other in cases where the relationship doesn’t work out and the two people part ways. However, Alabama is one of the few states that still recognizes common law marriage, which is defined roughly as a union between two people not formalized in the customary manner as prescribed by law but created by an agreement to marry followed by cohabitation.

Furthermore, cohabitating couples in Alabama may be shocked to learn that they could already be married in the eyes of the law, and with that, be affected by the same laws that pertain to other, legally married couples in terms of divorce, spousal and child support, division of property and other aspects of a divorce. Even if divorce is not the issue, there are other aspects that may be of particular importance to one or the other party, such as property ownership, rights of survivorship, spousal benefits, and other marital amenities.

Although common law marriage is prohibited in most parts of the United States, the Full Faith and Credit Clause of the U.S. Constitution requires all states that prohibit it to nonetheless recognize a common law marriage created in a jurisdiction that allows it, such as Alabama. In fact, the laws in all states require a common-law spouse to obtain a divorce before remarrying.

With so much at stake, an Alabama lawyer trained in divorce and family law should be sought in matters such as this, because the tests for common law marriage in Alabama can be vague at best. Should a court decide that the couple qualifies as being in a common law marriage, all the legal processes that apply to a legal marriage would apply.

Because of this, if someone in a current cohabitation arrangement feels that he or she may want to leave the relationship now or in the future, it would be wise to enlist the help of a qualified legal professional to sort out the legal standing of that particular relationship.
 

Divorce and Bankruptcy in Alabama: The View from a Birmingham Lawyer's Perspective

These days it’s not hard to find families in distress. Divorce and separation loom large as people face a variety of stress factors that make for a daunting day-to-day existence for many married couples. Along with all the other challenges of married life, the current world economic situation has created more difficulties. From Birmingham and Huntsville to Montgomery and Mobile, we can all see it. As an Alabama divorce lawyer and family law attorney, I hear on a daily basis the hardships taken on by many married couples around our state.

Anybody who has ever been married knows that trouble with the family finances can easily trigger marital discord. In fact, financial stress is one of the most common factors leading to divorce. The past couple years have been extremely difficult, even for the most well-adjusted couples. Everyone is feeling the pressure and uncertainty of the global economy.

Some things cannot be controlled, but one point to keep in mind is that when family problems lead to divorce, it can be very tough on a person's finances. Of course, divorce itself can add to your costs, such as legal fees, a possible second residence and sometimes shared custody or support orders.

This is a lot to consider, especially if you are already in debt. Any additional financial obligations can quickly become overwhelming. With constant calls from creditors, some people begin to feel trapped to the point of filing for bankruptcy. But bankruptcy can also greatly impact certain aspects of your divorce.

For instance, which proceeding you file first can change what you own and owe under the law. Following a divorce, the language used in the divorce decree can even determine whether spouses' debts to one another are wiped out by the bankruptcy. If you're considering a bankruptcy during or after divorce, or if your former spouse is considering it, you must speak with a qualified family law attorney. I cannot stress this enough.

In a nutshell, most people have two options open to them. In a Chapter 7, or liquidation, bankruptcy, a person sells all of his or her assets they can in order to pay off your creditors. Any remaining bills are then forgiven. In a Chapter 13, or restructuring, bankruptcy, a person chooses to keep their assets while making a plan to gradually repay their creditors over a three- to five-year period.

In general, Chapter 13 is better for people who need to protect a large asset like a home, but who also have a steady income. Chapter 7, on the other hand, is generally available only to folks with smaller debts and fewer assets. One of the most important aspects of bankruptcy for most people is that it gives you an automatic and immediate stay -- a legal document telling your creditors to ease off.

One additional point, in the case of completed divorces, you must remember that bankruptcy NEVER eliminates child support or alimony obligations, nor does it affect any legal judgments obligating you to pay attorneys' fees. However, debts owed by one spouse to the other as part of the divorce's property settlement may be eliminated under certain circumstances. The wording is critical, which is why you need an experienced divorce attorney to help protect your assets.
 

Post Divorce in Alabama: Some Financial Mistakes to Avoid

Going through a divorce in Alabama is hard enough, but picking up the pieces and getting on with your life afterward can be a major challenge as well. One thing that can’t be ignored are your finances. This can be a big hurdle, because usually one or the other spouse was the “accountant” in the relationship. Still, even savvy domestic money manages can use some advice.

Working here in Birmingham as a family law and divorce attorney, I am frequently asked by clients what their strategy should be regarding the financial side of a divorce settlement. Knowing your money situation and other household finances is a big part of this. Also, understanding the tax implications of certain payments will make your life that much easier in the long run. Below are some typical mistakes that people going through divorce tend to make.

Number One: Hanging on to the house at all costs
This is not necessarily the best option. According to financial experts, more attention should be given to which person can afford to maintain the property -- including paying the mortgage and managing the taxes. However, don’t think that getting spousal support to help with the mortgage payments will keep you on easy street. Large unexpected costs, such as a new furnace or other large-scale maintenance usually happen sometime or another, which can make home ownership more of a burden and les of a luxury.

Number Two: Failing to make a clean financial break with your ex-spouse
Cleanly separating each of your debts and assets, especially if you have been married for a long time, can be a difficult task, but a very necessary one. Most any financial counselor will tell you this is absolutely necessary, and the consequences of not doing so can be devastating. It may seem overwhelming, but the alternative is many times worse. You don’t want to have your ex racking up debt and ruining your personal credit score.

Number Three: Counting on your ex to comply with his financial obligations
While both parties in a divorce are beholden to the court-ordered divorce agreement, creditors do not fall under that arrangement. If your ex is supposed to pay the mortgage but fails to do so, the lender is apt to sue you both. And any missed payments or a default on a mortgage will hurt you next time you apply for a loan.

Number Four: Not reviewing your estate plan following your divorce
Wills and trusts can both be seriously impacted by divorce proceedings. If a divorced spouse waits too long to change the beneficiary on a will or life insurance policy, the money could end up going to the wrong person, and your new spouse may get nothing. It seems incredible, but there have been instances where an ex-spouse inherits money from a former wife or husband.

Number Five: Not understanding the different tax treatments for alimony and child support
As a last note, you should always be aware of which amount of money in your divorce settlement goes for alimony, and which goes for child support. Whereas child support payments are exempt from tax by the recipient, alimony payments are taxable. Also, remember that there are limits to how long a person can receive these payments. For instance, child support payments can no longer be received once the child turns 18 years of age, or is finished with college, and spousal support typically ceases once that person gets remarried.

Birmingham, Alabama Lawyer & Attorney Child Support Answers

A Jefferson County, Birmingham, Alabama client asked an interesting question today.  How is child support calculated when your ex-spouse doesn't work, or has a sporadic work history?  Primarily, when calculating child support the court looks to the well being of the child.  And when awarding child support in this situation ,an Alabama court will impute an income to your ex-spouse, if the court finds he/she is voluntarily unemployed or underemployed.  The court will estimate the unemployed or underemployed parents income, and impute that income to the spouse owing child support.  The court looks to past employment, employment potential, probable earning levels, education and job qualifications, as well as job opportunities and earning levels in the community.  The Alabama rules regarding child support can be found in the Child Support Guidelines Rule 32.

Celebrity Divorce News

As most of you know Britney Spears and her former husband K-Fed, are in a bitter custody dispute.  K-Fed is attempting to modify the previous custody agreement.  Today, the judge ordered Britney to undergo testing for controlled substances and alcohol, after finding Britney has engaged in continuous and frequent abuse of alcohol and drugs. If Britney keeps this up she will lose custody of  her kids.  It is a shame because we all know K-Fed is really after child support.  The judge also ordered both Britney and K-Fed to complete a Parenting Without Conflict program. He also ordered that neither parent shall consume alcohol or other non-prescription drugs, for a 12 hour period previous to a time when either parent has responsibility for care and custody of their children.

This case is an excellent example of children being used as a battering ram in a divorce proceeding.  Unfortunately, this kind of thing is not uncommon.  K-Fed is using the children to obtain more child support money from the divorce.  This kind of tactic only ends up hurting your children, and yourself in the long run.

This case should also illustrate, that if you are engaged in a divorce or custody battle you should refrain from using alcohol or drugs pending the outcome of the proceedings.  If you are using any kind of drugs or alcohol during a child custody proceeding or divorce, you are simply giving the other side ammunition to attack your credibility, morals and fitness to take care of your children(whether this is fair or not, it is the truth).

Alabama Divorce Support

DivorceSupport.com is a fantastic resource for people facing divorce.  The website has excellent Alabama divorce specific information.  They have articles on Alabama divorce, child support and child custody, residency requirements, grandparents rights and military divorce laws.  When you are going through a divorce you need as much information and support available.  My firm tries to provide you with the resources to make this process as simple as possible .  We also strive to give you all the information you need during these troubling times.  Knowing how the divorce or child custody process works will give you a certain amount of comfort.  I encourage my clients to learn as much as they can about their divorce and related issues.  The Internet is an amazing resource and should be used accordingly.