The Misconception Of Divorce Decree! Why Do You Want To Hand Out Your Hard Earned Money To The Creditors? 9/1/08

(Copyrighted)

Every day, I review consumers’ (like you) credit reports and hear stories about, “how my spouse destroyed my credit.”  Well, I am sorry to hear it.  I love you, want to help you, but I am tired of repeating the same things.  I wrote a couple of articles asking and begging you to do something with your credit and provided you a book that answers the questions you did not ask or question did not know how to ask.  Just because you got divorced, your financial life is NOT going to be on the upside.  Let’s see WHY?

In the book, “Bad Things Happen to Good People.  YOUR CREDIT = YOUR LIFE, FIX IT NOW!” I dedicated a large chapter to issues relating to financial phase of relationships (Single, Married, Separated, Divorced).  In that chapter, I discussed several issues relating to the impact of divorce.  One of the issues was the fact- what a divorce decree mean to your financial life.  No, I did not provide the meaning of the words “Divorce Decree;” because, everybody that has been in a relationship knows what these two words {together} mean.  I discussed the fact that, just because a court ordered your spouse to be responsible for certain bills (bills created during the marriage), it doesn’t mean, your responsibilities are washed away.  After the court order, there are still several issues that remain unresolved from the moment the Decree was entered.  They are as follows:

1.    Make certain that your payments (to include the creditors’ bill that the judge passed the responsibility to your spouse) are current-if you did not discuss it in the court you should have.

2.    You must immediately contact the creditor whose name were listed on the judgment and let them know about the Decree.  Some creditors will not accept the Decree.  You just push the issue with them.  If they still do not want to remove your name, then have your attorney (possibly your divorce attorney –who you already have paid to take care of your divorce affairs- contact the creditors).  Please understand that the attorneys will promise you or state that they will call, but it may never materialize.  Therefore, you must be persistent with the attorney and the creditors.

3.    If a creditor refuses to remove your name, then place a statement on your credit file in regards to the Decree and your request for removal

4.    Talk with your attorney (an attorney in your state-state the Decree was issued) and see if you have legal recourses against the creditor (forcing it to remove).  However, make certain that you have a copy of the contact (between you and the creditor available).  If you don’t have the agreement, then ask the creditor to mail you one.  If you don’t receive it within 2 weeks, then send the creditor a certified letter- requesting return receipt, demanding that a copy of the agreement be sent to you at once.  The bottom line is that you may be able to ask a court (possibly even the divorce Court) to force the creditor.  Divorce courts doing so may be limited- to-none existence, but never hurts asking.  The bottom line is that the attorney may be able to share options with you.

5.    Doesn’t matter what you do, do NOT let the issue stay on the back burner, because “Your Credit IS Your Life” and if you don’t do something about it, it will create a serious negative impact on your credit file.

You must initiate the items above before your spouse stops making payment to the creditors that the Judge issued an order in your favor.  Creditors are more favorable to listen to you or help when the account is being paid on time (regularly).

These issues and a lot more are discussed in detailed in my book “Bad Things Happen to Good People.  Your Credit = Your Life, Fix It Now!”  I can’t emphasis enough about the importance of your credit. 

Consumers asked me, why should I buy your book when my credit is good? 
Answer:  This book does not just cover issues in how to fix your credit, but how to keep it good for a long time.  It also provides information other than just fixing or maintaining credit.  It provides information about how to avoid lawsuit, judgment, foreclosure, negotiate your interest rates and loan cost, increase credit limit and other issues relating to credit (such as debt management, understanding credit report, credit score, fraudulent and deceptive collection attempts and much more).   The CD that accompanies the book has information about tax liability and tax-preparer fraud and deception, forms, demand letter writing techniques, credit card issues- interest rates and more.

Consumers braggingly also state; “my score is 700 or 720, etc.” 
Answer:  I consider score of 720 as a C+ on a grading scale.   Score of 800 or above is considered A.  740/760 (depending on creditors) to 799 is considered to be B.  Now, as your score gets lower, your interest rate and loan cost increases.

My question to you:
WHY do you want to hand out your hard earned money to the creditors on EXTRA loan cost and interest rate, when you can take care of your credit and keep the saving for yourself and family????

I wish to see you succeed.

Best of luck.

Mike Samadi

Any questions?  Go to Q & A of http://www.MasterCreditRepair.net, read and post.  Go to the “Comment” page and post your story or comment.  Your personal information will remain confidential.  Joint my membership club (coming soon).

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Don’t give your divorce lawyer all your money

Divorce is one of those things that is really common in today’s society. The divorce rates are really high and this could be for a variety of reasons. It makes you wonder. Are divorces popular because people are simply giving up on their relationships? Or was it that in the past, people would give up but then would tolerate living together for convenience sack? Either way, divorce is common and it is something that we need to deal with.

If you are in a bad marriage and want to get a divorce, a good first step would be to consult with a layer. You should also talk it over with your partner. But depending on the nature of your relationship you may want to see the lawyer before you approach the subject. Choose a lawyer that specializes in divorce, especially if you foresee complications because of the divorce. The lawyer can help the process go smoothly. But, some people hire a lawyer to be vindictive. Whether or not this is the case with you is up to you.

Children complicate things when it comes to divorce. It can be hard on them, especially if as far as they were concerned you were a happy family. If you fight all the time, the divorce may not come as a shock. But if you keep your problems hidden from your children, this could end up having emotional implications. And there is the concept of the children worrying about which parent to live with. Other issues that can come about with the children are the fear of abandonment or if the parents somehow put the child in the middle of it and ask them to choose sides.

In addition to finding a divorce lawyer, it may be a good idea to see an expert or a therapist. Can your problems be healed over time or do you just want to give in? Even if the marriage is over, divorce is one of those things that can be emotionally difficult for everyone involved. Attending group sessions or having each member of the family go separately can be very beneficial. It is also good to find support groups filled with people who have been through the same issues as you.

Find More Divorce Lawyer Articles

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Specialist Attorney Is It Worth The Money?

Specialist attorneys are a special type of attorney, which have particular experience in one type of case or field. Because specialist attorneys are usually better informed in specific subjects than general attorneys, they are generally more helpful to consumers.

But with the specialization also comes a higher price; so is the money worth the better odds?

Types of Specialist Attorneys

In general, there are a few main specialist attorneys that can be of help in certain situations. Getting to know each type of attorney will help one make the choice between the extra expense and the thrifty alternative.

A patent attorney, for example, deals with the vast world of patents. A generalized attorney would be much less skilled in this area on average, and thus, inventors will almost always seek out a patent attorney.

In more serious cases, a medical malpractice or criminal law specialist will be necessary. Medical malpractice is the act of medical professionals injuring or killing a patient under direct care of their facility. Obviously, a medical malpractice lawyer will be needed to know the ins and outs of medical malpractice. In the same sense, a criminal law specialist deals with acts of violence, theft, and other criminal acts- which is something better left to specialists as the consequences of a poor verdict can be very unfortunate.

Other lawyers are available for accidental scenarios- such as an automobile accident or even personal injury. In the case of an automobile accident, it is very easy to get expenses and fines pinned on the parties involved. An auto accident lawyer has experience is persuading and politically correcting truths to be less incriminating.

Lawyers specializing in money are also available. The workers compensation specialist and bankruptcy specialist are both two examples of a need for extra experience. In both cases, money is desperately needed for the victim, as they both suggest trying times and stressful financial situations. It would be tough to go with a general attorney when everything you own is at stake- even if it does cost a little extra money for the specialization.

Lastly, we have the more popular divorce attorney. These attorneys are necessary to proceed with spousal payments, child support payments, division and splitting of assets, and many other positions of interest. When a divorce can’t be settled outside the courtroom, these types of attorneys are heavily recommended.

Is The Specialization Necessary?

It’s easy to say that in trying situations where a lot is at stake, a specialist is needed. But in reality, almost all court cases have something valuable to gain or lose, regardless of the situation. In this instance, one shouldn’t have to feel compelled to obtain a specialist.

But what specialists do offer is experience and extended knowledge- but at a price. If the extra price isn’t too much of a determent, then it is always recommended to seek out a specialist attorney before a generalized attorney. Although results can vary, the statistics and logic would suggest specialists are generally the best choice.

Final Thoughts on Specialist Attorneys

If you search hard enough, you can find a specialist in just about every niche problem available. The trick is finding a lawyer with the right expertise and background to handle your situation.

If all else fails, the generalized attorney or even a (free) state attorney will do just fine in most cases.

More Divorce Attorneys Articles

Technorati Tags: Attorney, money, Specialist, Worth

I’m a sophmore in highschool at the moment.
I’m taking Law And Society this year and have a B in it.
I have A’s in all of my other classes. I don’t come from a family with money
and need all the help i can get. I want to be a defense attorney or something
like a really good lawyer and maybe even one day get on the Supreme Court.
What steps can I take now to set myself up for college and becoming very successful?
Anything and everything helps, Please and thank you (:

Technorati Tags: defense attorney, law and society, lawyer, money, sophmore, supreme court

Saving Time is the Key to Saving Money on Your Divorce

Divorces are time-consuming, emotionally taxing, and often
unnecessarily expensive. However, the following tips may help
the amount of time you need to spend on your matter, which, in
turn, may cut down on your costs when working with your divorce lawyer.

Ask your lawyer before “helping” her or him Sometimes, your best
intentions turn out to be very bad ideas. For instance, many
people try to record their spouse’s telephone conversations with
third parties, or they try to hide income. These actions may
lead to more work on the attorney’s part and that will increase
attorney’s fees. There are many other examples of how people
have tried to “help,” while only making the situation worse. The
important thing to remember is – always ask your divorce lawyer
first.

Keep your cool Most couples would not even consider a divorce if
their relationship were not already a volatile one. The actual
legal process of a divorce often exacerbates the situation and
sometimes pushes one or the other spouse even closer to the edge
of reason. This is when people smash vases, flatten tires, and
burn clothes… Not only does the property itself cost you money,
but such behavior makes the entire process more time-consuming,
and therefore even more expensive. Even something like changing
the locks without a court order can add hours of work to your divorce attorney‘s
schedule and you will pay for that in the long run. Take a deep
breath, and remember that you are hurting yourself financially
and emotionally by losing your temper.

Collect records and keep track Find and organize receipts for
recent purchases. Avoid spending more than usual. Proving what
you have or have not spent can make a big difference in your divorce settlement.
Keep track of who picks up your children from school and who
attends their events and activities, as this may be useful in
custody cases. Every divorce case is different, so be sure to
ask your lawyer what records you should create and keep.

Promptly do what your divorce attorney asks Every time your
lawyer has to call and remind you to get those receipts or
documents, that’s a little extra addition to your bill. If your
lawyer is forced to get the records elsewhere, your bill can
grow unnecessarily.

Prepare for telephone calls Rather than calling your attorney’s
office five separate times with five different questions each
day, make a list throughout the day and call to ask all of your
questions at once. This saves time and money for everyone, and
will allow your divorce lawyer to serve you better.

Your divorce attorney is not a therapist Most people involved in
a divorce will have a lot on their minds. In many cases, your
divorce lawyer will know more about your situation than even
your family and friends know. This may tempt you to discuss the
emotional side of your divorce with your attorney. Depending on
how much your attorney charges, this might be more expensive
than seeing a therapist, who would also be better qualified to
assist you emotionally. If you just need to vent, calling family
and friends is probably the way to go.

Tell the truth Your divorce lawyer may ask you some personal or
embarrassing questions, or you might be stashing away some money
on the side. Regardless of your reasons, it is never wise to
lie, hide or manipulate the truth when speaking to your
attorney. If something pops up later that should have been known
from the start, it could end up costing more than just your
pride.

How much will a divorce cost? Marital dissolution is like
removing a piece of tape from your skin; the slower you go, the
more painful it gets. When asked how much a divorce will cost,
New Jersey divorce
attorney, Karen
Meislik said, “The answer is up to you. Divorce attorneys
work on an hourly basis. If you and your spouse can work out
some of your issues and limit the scope of your disagreements,
your divorce will be less costly”.

Now that you know how to keep the time and costs to a minimum
while getting a divorce, you can concentrate on more important
things – like your health and emotional well-being.

This content does not constitute a client-attorney relationship
in any way. It is not meant to be used as professional legal
advice. If you require advice about divorce proceedings, please
contact a divorce attorney

Find More Divorce Attorneys Articles

Technorati Tags: divorce, money, Saving, time

My uncle is going through a divorce and his trial date is coming…and the ex- wife has taken all the money and now he cant afford his attourney anymore. and will be going to court without an attourney. is he S.O.L?
What’s going to happen in court if he doesn’t have an attourney???

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My dream job is to go into politics. Of course it’s far off for right now because I’m only 13. But from what I’ve read you usually have to be a lawyer and I’m afraid to go to law school because I’ve heard of the lack of jobs for lawyers because there are so few. I don’t want to go into politics for the money I just want to be able to help people and my country and make my family proud. Are there many people in politics that didn’t come from wealthy popular families?

Technorati Tags: dream job, jobs, law school, lawyer, lawyers, money

Sorry I put this in the beauty and style catergory, I just know that this is apopular catergory so people would read this. I really need help and if you could help me, I would love it.

Hi My name is Jessie and I am 13 years old. I live with my older 14 year old brother "Bob" and mother "Ann". (Not really their names). We are currently living in a terrible and tiny town home. We have no backyard and we have two dogs that really NEED one. We have annoying and loud neighbors who frequently throw parties at midnight and wake everybody around them up, and we are getting blamed for dog feces lying around, which isn’t from our dogs. We are paying way too much for this place! Its honestly a Hell-Hole and I don’t know how my mother puts up with it. She just got a divorce, and the divorce caused my mother, my brother, and I to move out here. We ran out of money so this is all we could find. Anyway, My mother is into one story houses with a pool, nice yard, nice sized house, etc. If she’s into that type of housing, what are we doing here? My question is this: I really want to move to Temecula because my aunt, cousin, uncle, and baby cousin live out there. It has a nice climate, nice school district, (Not saying my current one isn’t swell), nice houses, CHEAPER houses, (and I mean CHEAPER! Hundreds of thousands and millions of dollars cheaper), but there’s no beach in Temecula. I love the beach and so does my mother and brother, but we would only live approximately 45-one hour away from it. We are currently living in Southern California (Not giving out exactly where) and I HATE it! Yeah sure, parts of it are super nice and sunny, but it’s too expensive! My mother isn’t sure if we are going to buy or rent something out in Temecula, IF we move there. I really want to move there and I think it will be in our best interest if we do. How should I convince my mother and brother to actually want to move to Temecula? It’s really nice, and it’s cheap. Also, can you give me websites that show houses for sale and for rent? Besides craigslist please. I search everyday for homes for sale or rent in Temecula and show my mother, but she just says, "Yeah, it’s nice." What is that supposed to me? She says she likes it, so why not do anything about it? It annoys me a lot. Also, if you could give me links to any houses for sale or for rent in Temecula only! Not Menifee, Hemet, Murrieta, etc. JUST Temecula. That would be great! If we got something for rent, this is the price range: ,000-,000 a month
If we were to buy something, this is the price range:0,000-300,000
I appreciate it so much and I apologize for this long explination. If you are not going to help me, then please don’t answer this. Thank you so very much!
The number of bedrooms: Minimum:2 Maximum: Anything, really!
The Number of Bathrooms: Minimum: 2 Maximum: Anything Really
Pool or no pool: Prefered, but not necessary
Huge yard: Obviously prefered, but probably not going to happen so any type of yard is fine.
One-five stories tall: It doesn’t matter how many stories it is.
If it is NOT in Temecula, then it won’t help. The area’s in Temecula we like are: Wolf Creek, Temeku Hills, Redhawk, Promenade, and many more. They just don’t all come to mind right now. I appreciate it so much and thank you again!

~Jessie

Technorati Tags: 13 years, baby cousin, best interest, brother, climate, divorce, hell hole, hundreds of thousands, jessie, loud neighbors, money, nice houses, pool, southern california, story houses, tiny town, two dogs

60 something year old woman takes care of her brother who has the functionality of a 2 year old all of his life, he is in his 60s as well. Their mother is now ill with Alzheimer’s and she is now having to take care of her mom. Her mom owns the house in which they all live and controls the money and the entire estate. 60 something year old woman also has 2 sisters who do not help at all but have power of atty. over their mom. If mom goes to a nursing home what can this lady do to continue to take care of her brother and live survive herself as well? Can she get a lawyer and sue? If mom goes to nursing home do they, the nursing home, not get the house and bank account? It is getting impossible to take care of the old lady, she is getting violent and threatens to kick her out of the house every day. The sisters will not have her declared incompetent yet they offer nothing to help. Any suggestions?

Technorati Tags: 2 sisters, 60s, alzheimer, brother, functionality, lawyer, mom, money, nursing home, old lady, old woman, power of atty

I would like to file for divorce in Texas and would like to know how complicated the process really is. We have one child together, but other than that, there are no assests, no large amounts of money to divide or anything like that. What are my options?

Technorati Tags: divorce in texas, money