Getting Through the Holidays After Divorce

The holiday season is especially tough on divorced families. Family traditions are disrupted, decisions regarding how to best accommodate children must be made, and feelings can get hurt.

It is not uncommon to forget the specifics of a divorce agreement regarding the holidays until they arrive. Anyone wanting to get through the holidays after divorce should start by reading their divorce decree and child custody agreement.

Getting Through the Holidays Mentally

The holidays are a busy time for most people. For new divorcees, getting involved in the many holiday activities taking place can be a good way to get through the season mentally. Keeping the mind active can reduce much of the stress that is related to the combination of the holiday season and divorce. This strategy is especially helpful for anyone forced to spend the holidays apart from their children.

Getting Through the Holidays Emotionally

Emotions might run high during the first holiday season after a divorce. Depression rates increase during the holiday season – an indicator of just how stressful this time of year can be. Add a recent divorce and a tough child-custody ruling and Thanksgiving and Christmas become very tough to get through.

Surrounding oneself with loved ones is a good way to get through. Haven’t seen a sister in years? Now might be a good time to visit.

Helping Children Adapt to New Traditions

As divorcees forge new traditions during post-divorce holidays, children may need help adjusting. Understand that while children are malleable, they are just as aversive to change as anyone.

Tell children what is happening. If they are young, keep explanations simple, but help them understand that the changes already happening will continue for a time, especially during holidays. Remind them that things will be different.

Teens too will have a hard time adjusting. They need infinite patience and maybe some space, but they will adjust if helped along by parents who care.

Cherry Hill Divorce Lawyers at the Law Offices of Richard C. Klein, P.A. Assist Clients Struggling Through Divorce

Divorce during the holidays is not easy. It is in your best interest to work with a Cherry Hill divorce attorney if you find yourself needing legal help during the holidays. Complete our or online contact form or call 856-544-9155 to schedule your initial consultation at the the Law Offices of Richard C. Klein. We are located in Marlton, New Jersey, and work with clients from Mount Laurel, Moorestown, Cherry Hill, and Medford, Marlton, Voorhees, Haddonfield and throughout the state of New Jersey.

The Impact of Divorce on Credit

It is common knowledge that divorce can be expensive. According to a recent survey by Experian, the average American loses about $20,000 in cash and other assets as a result of divorce. Many of these expenses stem from finding a new place to live and potentially having to make payments on two dwellings at once. Other divorce expenses include temporary alimony and child support orders, legal fees, and the need to hire outside professionals to complete the divorce process. Over time, these expenses can add up, leaving many individuals feeling broke by the time their divorce is finalized.

For many newly-divorced individuals, the financial consequences of divorce are two-fold. In addition to the extra money spent during divorce, many also experience a drop in their credit score. This occurs for a few reasons.

During the divorce process, stress and tight 􀃒nances can force individuals to make 􀃒nancially risky decisions.

Another reason is that married couples are jointly liable for any debt incurred during their marriages. When acouple divorces, these debts are divided alongside their assets.

Protecting Your Credit During Divorce

While your divorce is pending, many small expenses will come up. You might need to hire a babysitter for your children while you attend a meeting with your lawyer. You might need to miss a few days at work to go to court. On top of this, you may be struggling to adjust to living with only one salary if you were used to having two to help provide for your daily living expenses. This can put a further strain on you and force you to live on credit. If you take this route, pay of all your credit card bills in full and on time. If you cannot pay your bills in full, pay as much as you can to avoid compounding interest in following months.

Your credit score is calculated by examining your payment history, the length of your credit history, the type of credit used, the amount of money you currently owe, and any new credit line you obtain. By closing your joint credit accounts and opening new accounts, you can potentially damage your credit score. It is highly recommended that you seek the advice of an experienced New Jersey divorce lawyer before making any big changes to your finances.

Debt Liability

All debts incurred during a marriage may be considered marital debt, which means that both parties are liable for the debt. Exceptions include debts listed in a prenuptial agreement, stating that the debt belongs only to the partner who incurred it. Without these provisions, you can potentially find yourself facing steep debt for your partner’s college education, shopping or gambling habits, medical bills, or other expenses after your divorce. Talk to your lawyer about seeking innocent spouse relief through the IRS, which can release you from the liability.

If you have shared debt with your former partner, work with them to pay down the debt together. One way to do this is to share the login information for the online account so you can both monitor it and make payments as necessary.

Cherry Hill Divorce Lawyer Richard C. Klein Helps Clients Avoid Credit Damage During Divorce

If you are considering filing for divorce, take steps early to protect your financial future. Contact an experienced Cherry Hill divorce attorney who can help you work through all aspects of your divorce, including protecting your credit. Complete our on-line contact form or call 856-544-9155 to set up your initial consultation. Our office is located in Marlton, New Jersey, where we work with clients throughout South Jersey.

Understanding the Different Types of Alimony

The past four years have brought major changes to the New Jersey Alimony Laws. The interpretation of the law and how it is applied and argued in your case is crucial and can, and probably will affect your financial future. Many individuals may not realize however, that there are actually several types of alimony as outlined below:

Limited Duration Alimony:
This involves those situations in which alimony payments are made for a fixed period of time that cannot exceed the length of the marriage. Limited Duration Alimony in New Jersey is reserved for marriages that lasted less than 20 years. The amount of the alimony payments may be modified if a change in circumstances occurs. However, the terms are typically un-modifiable absent unusual circumstances.

Reimbursement Alimony
Reimbursement alimony is awarded when one spouse provides financial support to the other spouse thereby enabling that spouse to pursue a higher level of education. Reimbursement alimony may not be modified.

Rehabilitative Alimony
Rehabilitative alimony allows a financially dependent former spouse to receive alimony payments while undergoing training or education that will allow him or her to become more competitive in the job market. This type of alimony may include paying the cost of a training or educational program such as a new degree. It may be awarded in conjunction with other types of alimony.

Open Durational Alimony
Open duration alimony is awarded when the length of the marriage was twenty years or more and a former spouse has an unequal present or future earning capacity in comparison to the other spouse. Alimony payments may be modified if a substantial change in circumstances occurs. Examples of changes in circumstance include: remarriage, cohabitation, disability and retirement.

It is important to understand the different types of alimony and how they may or may not apply in your particular situation. For this reason, it is very important that you contact a family law attorney with experience handling cases involving each of these types of alimony.

Cherry Hill Divorce Lawyers at the Law Offices of Richard C. Klein, P.A. Can Help with Your Alimony Agreement

At the Law Offices of Richard C. Klein, we provide powerful advocacy and vast experience to protect your rights, and attain an alimony agreement that is fair and manageable. To learn more, complete our online contact form, or call (856) 544-9155. We are located in Marlton, New Jersey, and we work with clients from Mount Laurel, Moorestown, Cherry Hill, Voorhees, Medford, Haddonfield, Maple Shade, Marlton and throughout the state of New Jersey.

Cherry Hill Divorce Lawyers Discuss Special Needs Children and Custody

Over the past 10 years or so, the child with special needs has taken front and center with regard to school, treatment and awareness. However, one area that is often overlooked by those going through divorce or separation is how the special needs of a child can impact not just custody in general, but, the parenting time schedule as well.

Although the Courts tend to prefer that both parents enjoy similar time with their child(ren), the special needs of that child should make the court take a much closer look at what is in their best interest. Many special needs children require the consistency and predictability of being in one primary home for the vast majority of the time. They tend to adjust to their environment better and overall do better emotionally and scholastically. Unfortunately, many judges do not fully understand that. Therefore, it is vital for you to work closely with an attorney who has had significant experience with the special needs child and how to educate the Court, often through the use of experts, to why a “typical” visitation schedule may simply not be right for a particular child. In my practice, I have represented hundreds of clients with special needs children and once a Court truly understand what that means, the parenting time schedule can tilt heavily toward the parent who has the best grasp of their child’s issues.

Cherry Hill Divorce Lawyers at Richard C. Klein, P.A. Advocate for Parents of Special Needs Children

Contact a Cherry Hill divorce lawyer at the Law Offices of Richard C. Klein, LLC to learn more about divorce in South Jersey. Contact us online or call our offices at (856) 544-9155.

Alimony Modification

If your financial status changes or your needs change after a divorce settlement, you may find that the financial arrangement you agreed to does not work for you anymore. When this happens, you can ask the court for a modification of your order – although it can be a difficult and challenging process. If your standard of living has changed, and you can no longer maintain the standard of living you were meant to have when the original judgment was awarded, a qualified attorney can help to make things right.

Reasons to Reexamine an Alimony Judgment

There are many ways your financial picture can change. The following changes of circumstance may offer good cause to increase, decrease, or eliminate alimony in New Jersey:

  • Retirement
  • Reduced income or unemployment for either party
  • A substantial inheritance
  • A cost of living increase
  • Illness, disability, or infirmity
  • An increase in income by the person receiving alimony
  • The alimony recipient loses an apartment or a home
  • The party receiving alimony cohabitates in a “marriage-like” situation
The Burden of Proof is On You

If you request an alimony modification, you must be prepared to prove your case. You will need to demonstrate that your change of circumstances has “substantially impaired your ability to support yourself.” This is based on Lepis vs. Lepis, a 1980 Supreme Court case that set the standard for alimony judgment modification.

Cherry Hill Divorce Lawyers at the Law Offices of Richard C. Klein, P.A. Can Help with Alimony Modification

Life is always changing, and sometimes your finances change as well. If you need to make modifications to an alimony agreement, a can help. At the Law Offices of Richard C. Klein, we provide powerful advocacy and vast experience to protect your rights, and modify your alimony agreement to something that is fair and manageable. To learn more, complete our online contact form, or call (856) 544-9155. We are located in Marlton, New Jersey, and we work with clients from Mount Laurel, Moorestown, Cherry Hill, Maple Shade, and Marlton.