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Manos Legal Services > Our Blog (Page 28)

Navigating 3 Awkward Post-Divorce Situations With Your Children

[ad_1] During the divorce experience, children are forced to face the reality of their new situation. After many marital disagreements witnessed, they are forced to deal with the fact that their parents are no longer together; that they will inevitably be faced with the reality of two homes. However, after they come to terms with the logistical issues related to child custody, they have to come to grips with how it affects things during the course of the year. They may wonder how all of this affects their school life, holidays, birthdays, games, plays, concerts, and other occasions that may draw...

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4 Intangible Costs Of Divorce

[ad_1] When estimating the potential cost of divorce, it is easy to get caught up in how expensive the process is going to be. It is one of the most significant financial life events a person can go through. The cost of divorce can hit your bank account, retirement savings, credit score, and leave you with monthly child support and alimony payments for years to come. Those variables make it practically impossible to estimate the average cost of divorce. However, one thing divorce statistics do not account for is the intangible cost of divorce. While it can take a man a lifetime...

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Celebrities Highlight Child Support Issues

[ad_1] When child support is decided, it can be difficult for both sides to navigate the social cues of the matter. Given all of the emotions of the divorce experience, what you, as the paying parent, may say may not come out the way that you intended. This is just as valid for the receiving parent, as they may have questions regarding the method of payment, the amount, or the frequency. The difficulty surrounding the subject is not mitigated when one or both of the parents have some sort of celebrity or fame attached to them. In fact, that type of...

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Average Hourly Divorce Attorney Rate By Region [Infographic]

[ad_1] One of the biggest factors that contributes to the high cost of divorce is the hourly rate attorneys typically charge. Hourly rates can vary quite dramatically depending on many different factors, including the size and prestige of the law firm and the experience level of the lawyer. Typically, hourly fees range from anywhere between $50 to upwards of $700. Keep in mind that an attorney’s hourly rate is not necessarily a reflection of how good of a lawyer they are. Another factor that affects how much attorneys charge per hour is the market in which the case is taking place. Just...

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Can I Lower My Car Payment in Bankruptcy?

[ad_1] If you’re having trouble paying your monthly bills—especially that steep car loan— you might be wondering if filing for bankruptcy will lower your existing car payment. It depends on which type of bankruptcy you file, but bankruptcy could potentially lower your car payment. Here are basic descriptions of the two types of bankruptcy that you can file: A Chapter 7 bankruptcy, or “liquidation” bankruptcy, will discharge most of your unsecured debt. A trustee will attempt to sell any significant property to pay your creditors. A Chapter 13 bankruptcy, or “wage earners” bankruptcy, will reorganize your debts so that you can repay some...

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Why I Prefer Chapter 7 Bankruptcy to Chapter 13 Debt Consolidation

[ad_1] Most folks considering bankruptcy will consider two options – Chapter 7 and Chapter 13. Sometimes, you have the option of choosing either type of bankruptcy, whereas in other situations you would only be eligible to file either a Chapter 7 or a Chapter 13. When I meet with a client, I always start with the question of how can I fit this person into Chapter 7. It is not always possible, but, in my experience my Chapter 7 just works better – my clients get their discharge that wipes out debt completely, their cases are over in about 5 months,...

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How Bankruptcy Can Solve Your “Too Expensive Car” Problem

[ad_1] Next to home mortgages, motor vehicle loans are often your most expensive purchase. According to USA Today, the average transaction cost of a new car or truck sold in the U.S. was around $33,500. Lenders are now extending vehicle purchase loans to 6 years or longer, and when interest rates are factored in, you can easily find yourself responsible for $40,000, $50,000 or more. Unlike real estate purchases, motor vehicles are depreciating assets. If you finance your car or truck over 4 to 6 years, there is a good chance that you will owe more on your vehicle until year...

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Yes You Can Refile Your Chapter 13 Case, But Should You?

[ad_1] If you are facing a foreclosure, vehicle repossession, wage garnishment or other financial crisis, Chapter 13 bankruptcy can be a great tool to stop the chaos.  As the type of bankruptcy that includes a repayment plan, Chapter 13 can empower you to reduce your monthly payments, eliminate accruing interest on credit card debt, reduce your total indebtedness – all while protecting your real and personal property from creditor actions.If you are facing a foreclosure, vehicle repossession, wage garnishment or other financial crisis, Chapter 13 bankruptcy can be a great tool to stop the chaos.  As the type of bankruptcy...

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Student Loans and the Elderly: How to Stop Student Loan Collectors and Social Security Garnishment

[ad_1] An increasing number of our senior citizens are faced with the same problems faced by many of our young adults: student loans. A recent PBS story, “More older Americans than ever are struggling with student debt,” highlights an issue that many bankruptcy attorneys have seen in recent years. As the article notes, ” The number of Americans age 60 and older with student loan debt quadrupled between 2005 and 2015 to nearly 3 million. And the average amount they owe has nearly doubled from 12-thousand dollars to almost 24-thousand.” That’s a lot of debt–my cheap calculator doesn’t have enough digits...

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How Bankruptcy Exemptions Work

[ad_1] Did you ever wonder if you will lose your property if you file bankruptcy?  Can you keep your home, your car, your household goods?  What about your clothes and jewelry? [youtube https://www.youtube.com/watch?v=mlz5cNqERTE&w=560&h=315] The part of bankruptcy law that tells us what you can keep while using bankruptcy to get rid of debts are the bankruptcy exemption laws that apply in your case.  Exemptions are a strange part of bankruptcy law in that different rules apply depending on where you file your case.  Your state may have its own exemption statute, or it may use the federal statute, or it may allow...

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