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How do uncontested divorces minimize conflict?

If you are considering filing for divorce, then you are likely already struggling with a very difficult situation. You could be constantly fighting with your spouse, barely speaking to each other or coming to terms with the fact that you have simply fallen out of love.

Under these circumstances, filing for divorce, though inevitable, may seem overwhelming. You might think that the legal system and complexities of unraveling your shared life can only make things harder. However, if you file for uncontested divorce, you could be minimizing the conflict associated with divorce in a few ways.

Rising credit card balances can be difficult to overcome

The use of plastic or smartphone technology to conduct transactions has, for the most part, taken over for cash or a checkbook. Many people today do not even carry cash. While debit transactions do not necessarily create debt, the use of technology often makes to easier to amass debt without truly recognizing how fast credit card balances can increase.

Even with the ease of commerce, most people try to maintain a budget to get through each month. Credit card balances do not have to grow rapidly to become a problem. Paying the monthly minimum payment on multiple cards, while paying a car loan and keeping food on the table often leads to a slowly increasing overall debt balance for many households. 

You'll need help getting a military divorce in Illinois

Ending a marriage is a difficult thing to do. When it's a military marriage, it can be much more complex. If your spouse is on active duty, your divorce could be delayed for months. Then there's the issue of retirement accounts. Unlike employer retirement funds, which could be subject to division, military pension benefits can only be divided in cases where the marriage lasted at least ten years. There are a lot of rules and expectations involved with a military divorce, which is why it is in your best interest to work with a divorce and family law attorney experienced in Illinois military divorces.

Are you anticipating disagreement from your spouse on the division of assets or child custody? If so, having your own attorney is critical to obtaining a positive outcome. Protracted divorce hearings without adequate legal representation could result in an unfavorable outcome to property division or even losing out on custody of your children.

Should a bankruptcy come before divorce?

Money problems commonly lead to marital discord and then to divorce. For potential divorcees who are swimming in debt, questions may arise as to whether they should file for bankruptcy prior to divorce. After all, they probably know that the divorce could involve prickly arguments over who was responsible for particular debts, and how to divide it. At the same time, a bankruptcy could eliminate troublesome debt with one fatal swoop.

Nevertheless, the question of divorce versus bankruptcy is a valid one, so this post will provide some helpful tips in order to answer the question.  

Understanding transfer on death instruments in Illinois

For many people, the home is their most valuable asset. In Illinois, without some kind of estate planning instrument, real estate usually has to go through probate upon the death of the last surviving owner named in the deed. For some people, creating an estate plan to address how their home should be handled should they pass away may seem overwhelming - especially when the home is the primary asset.

Illinois law has allowed homeowners to create a Transfer on Death Instrument to efficiently and effectively transfer ownership of the home to loved ones without the need to go through the probate process. A transfer on death deed is a simple document that does not provide the beneficiary with a current interest in the home. You can choose a relative, a charity, a trust or any other legal entity as your beneficiaries - or a combination of more than one set of beneficiaries.

How an uncontested divorce benefits you

If you are considering divorce or going through one, it is either contested or uncontested. A contested divorce is one in which you and your spouse have at least one point of disagreement. It could be over debt, child custody, ownership of the house or something else entirely. Fortunately, many divorces are uncontested, meaning that both parties agree on how to approach and resolve the issues. Such divorces tend to benefit everyone involved in the following ways.

Children may pick up on less tension

4 ways to help children deal with two homes after a divorce

Divorce is almost half as common in the United States as marriage is. According to the CDC and the National Center for Health Statistics, the rate of divorce in 2014 was 3.2/1,000 in the total population, while the rate for marriage was 6.9/1,000. This statistic may not be surprising to many who have been through the process and recognize how difficult it can be to make a marriage work when there are problems with fidelity, abuse or even irreconcilable differences.

According to Psychology Today, divorce affects children differently depending on their age when the divorce occurs. Young children may deal with regressive responses such as clinging to a parent. Adolescents may exhibit aggressive responses in an effort to show more autonomy. Regardless of the age your children are when you divorce, there are things you can do to help them deal with the transition from living in one home to two.

Does bankruptcy discharge all your debts?

According to the American Bankruptcy Institute, 2015 bankruptcies were down 10 percent from the previous year. This is good news for most consumers, unless you're facing mountains of debt yourself. If you're considering a bankruptcy to help you get a new financial position, you might wonder if you can discharge all your debts under the bankruptcy code. The quick answer is no, you can't. Here is a list of some of the debts you will still have to deal with following a bankruptcy:

Understanding bankruptcy and your credit score

Facing a mountain of bills is always a daunting experience. Many people in Illinois tap into retirement accounts hoping to manage overwhelming debt. Others continue to rely on credit to put food on the table or pay other obligations, only to fall further behind.

The reasons individuals may choose to delay taking action to regain control of their finances vary greatly. One common fear that people have that causes them to try to stay afloat during a difficult time is the misconception that filing for bankruptcy will destroy their credit for years to come.

You Can Rebuild Credit After Bankruptcy

How to prove a product liability claim

If you get injured using a product, then you might think about suing the manufacturer. Although product liability cases can be very complex, there are some basic things that you should know about making such a claim.

Children's products are especially vulnerable to product defects. It is a good idea to check with the Consumer Product Safety Commission for recalls and other information before you use a hand-me-down car seat or crib, for example.

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