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disclaimer Are your ready for a relationship - some are but not everyone is even years after a divorce. Are you relationship ready - some people think they are others dive straight into another marriage with regrets. Avoid divorce lawyers - is this the new answer to a non acrimonious divorce or do they simply entrench couples and create hardship. Bankruptcy myths - how some people try to avoid their responsibilities. Before you leave - a check list of things to do before you leave home. Being a friend during divorce - this is so helpful for people going through a divorce. Building trust - can take years to re-establish after a messy divorce. Cheating partners - is this the most common cause for divorce. Children's discipline - this will really suffer during divorce proceedings. Choosing your divorce method - are their options. This is not as easy as it seems. Christmas survival tips - will you be depressed at this time of year. Chronic depression - how to cope and avoid it during divorce. Consumer debt - a very common reason for divorce explored. Coping with the family law process - life becomes very complicated during a divorce. Coping with infertility - perhaps one of the sadest reasons for a relationship breakdown. Credit and divorce - can obtaining credit after divorce be easy. Deciding on divorce - not the easiest decision you can make. Defending your relationship - this is your right - getting by is not enough. Discovering infidelity - one of the most hurtful aspects to a relationship. Divorce advice - where to get it. Divorce and bankruptcy - so many financial failures but why. Divorce and the stock market - strange mixture but interesting. Divorce articles - are they of value. Divorce decision - right or wrong you now have to live with it. Divorce online - will they save you time and money. Divorce parenting mistakes - so common now during divorce. Divorce protection for women - are they better at it than men. Divorce secrets - have they exposed the truth about divorce. Eating disorders - can this be a reason for divorce. Emotional roller coaster - life during divorce really is a state of highs and lows. End of your marriage - some interesting perspectives. Essence of infidelity - is there such a thing. Family cycle - Understanding the stages of life. Family law - This is a specialist subject. Fighting the good fight - are you motivated by this. Get a prenuptial agreement - will this safeguard your assets. Getting a jewish divorce in the UK - is this easier than you think. Have an affair - can this be good for a relationship. Hidden divorce costs - can be reduced for the informed. Hire a divorce lawyer - are they worth their money. Holy matrimony - is this a declining institution. How to grieve a tragedy - divorce is just like any other family tragedy. How to recover from divorce - some tips & tricks to get going in life again. How to select a divorce lawyer - steps to do and things to avoid. How to survive a divorce - can this be done without too much damage. Impact of divorce on families - this is often a tragedy all round. Important papers - secure documents before the separation. Is she cheating - can the husband tell. Keep hope alive - positive thinking can be a very useful cure. Lawful divorce - great discussion. Life after divorce - some ways to cope and how to get on. Lost that loving feeling - very common in longer term relationships. Love discrimination - is this an explanation for divorce. Managing your step family - a very tight path to tread. Marriage counseling - is this a life saver or just delaying tactics. Marriage fairy tale - there are millions every year - why not you. Marriage problems - we all have them at some stage but is this justification for a divorce. Meaningful holidays - one way for maintaining a healthy relationship. Miscommunication - men and women are from different planets aren't they. Moving beyond grief - tips for moving on in life. Online dating after divorce - is this the modern option for finding that new partner. Online dating - can it replace the work or pub environment. Out grown your life - quite a common feeling that creates the ned for change. Parental conflict - how this can effect the children during divorce. Pay off your debts - should this be before or after a divorce. Potty training after divorce - the simple things in life can even be affected by a divorce. Prenuptial agreement dilemma - are they as water tight as you think. Relationship spring cleaning - a great one liner that says so much. Sanction of marriage - good discussion but a bit deep. Seduction of a married man - men are so easy to seduce aren't they. Sexless marriage - can such a thing exist. Should I consult a therapist - are they of value during a divorce. Should I get a divorce - can this ever be your own decision. Signs of infidelity - can you spot them in your partner. Single parent - you are now a statistic so has your status in life been lowered. Spare your kids the stress of divorce - do everything you can - they will benefit in the end. Surviving divorce - why do we need to simply survive it - why not celebrate it. Tax records - destroy them at your peril after a divorce. Things to consider in divorce - simply too much. Too many divorces - is it too easy these days. Two hearts - beat stronger than one. Valentines day ideas - how you can enjoy the day as well as a newly divorced person. What parents should do - your personal check list. Why men wont commit - is this an urban myth.
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Divorce Law Guide Articles.Credit and Divorce
Credit and Divorce Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Mary for payment. She referred them to the divorce decree, insisting that she was not responsible for the accounts. The creditors correctly stated that they were not parties to the decree and that Mary was still legally responsible for paying off the couple’s joint accounts. Mary later found out that the late payments appeared on her credit report. If you've recently been through a divorce—or are contemplating one—you may want to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits—and pitfalls—of each. There are two types of credit accounts: individual and joint. You can permit authorized persons to use the account with either. When you apply for credit—whether a charge card or a mortgage loan—you'll be asked to select one type. Individual or Joint Account Individual Account: Your income, assets, and credit history are considered by the creditor. Whether you are married or single, you alone are responsible for paying off the debt. The account will appear on your credit report, and may appear on the credit report of any "authorized" user. However, if you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin), you and your spouse may be responsible for debts incurred during the marriage, and the individual debts of one spouse may appear on the credit report of the other. Advantages/Disadvantages: If you're not employed outside the home, work part-time, or have a low-paying job, it may be difficult to demonstrate a strong financial picture without your spouse's income. But if you open an account in your name and are responsible, no one can negatively affect your credit record. Joint Account: Your income, financial assets, and credit history—and your spouse's—are considerations for a joint account. No matter who handles the household bills, you and your spouse are responsible for seeing that debts are paid. A creditor who reports the credit history of a joint account to credit bureaus must report it in both names (if the account was opened after June 1, 1977). Advantages/Disadvantages: An application combining the financial resources of two people may present a stronger case to a creditor who is granting a loan or credit card. But because two people applied together for the credit, each is responsible for the debt. This is true even if a divorce decree assigns separate debt obligations to each spouse. Former spouses who run up bills and don't pay them can hurt their ex-partner's credit histories on jointly-held accounts. Account "Users" If you open an individual account, you may authorize another person to use it. If you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your spouse's name as well as in yours (if the account was opened after June 1, 1977). A creditor also may report the credit history in the name of any other authorized user. Advantages/Disadvantages: User accounts often are opened for convenience. They benefit people who might not qualify for credit on their own, such as students or homemakers. While these people may use the account, you—not they—are contractually liable for paying the debt. If You Divorce If you're considering divorce or separation, pay special attention to the status of your credit accounts. If you maintain joint accounts during this time, it's important to make regular payments so your credit record won’t suffer. As long as there's an outstanding balance on a joint account, you and your spouse are responsible for it. If you divorce, you may want to close joint accounts or accounts in which your former spouse was an authorized user. Or ask the creditor to convert these accounts to individual accounts. By law, a creditor cannot close a joint account because of a change in marital status, but can do so at the request of either spouse. A creditor, however, does not have to change joint accounts to individual accounts. The creditor can require you to reapply for credit on an individual basis and then, based on your new application, extend or deny you credit. In the case of a mortgage or home equity loan, a lender is likely to require refinancing to remove a spouse from the obligation. For More Information If you need additional help during this time of financial stress, please call Cindy Morus at 541-387-2995. She's been through it, too. Cindy S. Morus (www.phelps-creek.com) is a Certified Financial Recovery Counselor specializing in showing women and their families how to achieve financial well-being and peace of mind. She is also a Certified Credit Report Reviewer and Get Clients NOW!™ licensee. Contact her at 541-387-2995 or cmorus@phelps-creek.com She is also the publisher and editor of "Financial Fitness", an internet gazette dedicated to helping people improve their financial fitness no matter what decisions were made in the past. Attention Ezine editors/Site owners: Feel free to reprint this article in its entirety in your ezine or website as long as you leave all links in place, do not alter the content and include our resource box as listed above. If you do use the material please send us a note (cmorus@phelps-creek.com) so we can take a look. Thanks. Article Source: http://EzineArticles.com/
copyright - DLG 2005 - all rights reserved.
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