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.

How to Handle a Military Divorce

Military divorce cases require specialized knowledge and skills to navigate. Determining asset division and agreements, can be more complicated for military families than it is in a typical New Jersey divorce. At the Law Offices of Richard C. Klein, our Cherry Hill divorce attorneys offer knowledgeable and experienced legal representation to help military families transition as smoothly as possible during a divorce.

Hire a Knowledgeable Lawyer

Not every Cherry Hill divorce lawyer is familiar with the unique challenges that may arise in a military divorce. It is important to do your research and find a divorce attorney with experience handling military divorce cases. Hiring a lawyer who has successfully navigated similar situations for previous clients and can anticipate potential challenges can help you get through the divorce as painlessly as possible, while ensuring your rights, your family and your future are protected.

Military divorce is often complicated by various state and federal laws that apply during each step of the process. Rather than risking the financial security, benefits, and custody you deserve, it pays to do your research ahead of time and choose a military divorce lawyer who knows how to protect your interests in a divorce settlement.

Stay Organized from the Start

If you are seriously considering divorce, you will need to gather all relevant documents and paperwork and organize it in an easy to navigate system. Determining what benefits and assets may be classified as marital property before filing for divorce can help eliminate surprises and reduce stress. Maintaining  comprehensive, accurate records will help set the tone for the divorce proceedings and can mean the difference between achieving a fair settlement, and later discovering there were additional assets you did not consider but may be entitled to.

Take Care of Yourself

When emotions are high, the divorce process gets more difficult and stressful. Taking care of your health and engaging in activities that reduce stress can help you stay focused and help your divorce proceed smoothly.

Increased stress levels can cause people to make poor decisions that could have a negative impact on the outcome of a divorce.

Cherry Hill Divorce Lawyers at the Law Offices of Richard C. Klein Understand the Unique Challenges of a Military Divorce in New Jersey

We have the experience and knowledge necessary to successfully advocate for our clients’ interests in military divorce cases. Call (856) 544-9155, or to schedule a confidential consultation with a military divorce lawyer in New Jersey.

Who Pays for the Kids’ College in Divorce?

divorce and college tuitionAmong the many issues facing parties while going through the divorce process is the question of who is responsible for the out of pocket costs for higher  education.  There is no set formula to determine this.  However, there are certain parameters which are important to keep in mind.

First, once the parties have agreed where the child is going to attend college, an application for financial aid is mandatory if financial circumstances dictate same.  The income of both parties will be considered.  There will generally be an obligation to apply for all available financial aid, whether from the college itself or Federal and State grants, loans and scholarships,  The parties, despite their differences on many things should attempt to cooperate in these applications as it will save both out of pocket expenses. 

Once the financial aid package is determined, is critical to know that BOTH parents have an obligation to contribute to the out of pocket expenses  The percentages will be determined by the respective incomes of the parties as well as their own financial needs and ability to pay. Therefore,  be certain to be prepared to demonstrate your financial condition and your potential ability to contribute to the child’s expenses. If there is a college fund that had previously been established, those funds must be applied first in addition to any financial aid before determining the out of pocket costs.

The determination of the obligation for college can be confusing and financially critical.  Be certain to review this issue carefully with your attorney to assure that you are fully protected and your child is as well.

Cherry Hill Divorce Lawyers at the Law Offices of Richard C. Klein, P.A. Help Determine How Your Child’s Tuition Should be Paid

Call the attorneys at the Law Offices of Richard C. Klein at (856) 544-9155 or contact us online.

Changing Your Name After a Divorce

A name is an integral part of a person’s identity. A name is used for establishing credit, arranging public services, paying bills, and more. Naturally, changing a name involves the legal system. Yet, changing your name after a divorce in New Jersey is not that complicated when done right.

How to Change Back to Your Maiden Name

Many states make changing one’s name because of marriage or divorce difficult. New Jersey is not such a state, provided the person getting divorced follows the law. When a person marries in New Jersey, the ability to change their name is as simple as presenting their marriage certificate to the Motor Vehicle Commission, Social Security office, creditors, and other interested parties. Changing your name after a divorce can be nearly as simple.

New Jersey allows either party to a divorce to change their name at the time of the divorce. The judge will simply rule the change to be so and it will be so. Then the person making the name change need only present the official court papers to interested parties. This is the easy way.

Sometimes people do not make a request to the court for a name change at the time of the divorce proceedings. Regardless of the reason, if this should happen a person will have to follow a more complicated route.

New Jersey follows a name change process that first requires filing a petition in the local Superior Court. This will consist of swearing out an affidavit that your reason for requesting the name change is not to avoid prosecution of a crime or for the commission of a crime, such as fraud.

Next, you will need to place a notice in a local newspaper stating that you intend to change your name. Interested parties will need to be notified as well such as creditors, landlord, bank, etc., and you will need to bring proof of these notifications to court. Next, you will have to state your case for the request to change your name to a judge.

Assuming he or she rules in your favor, copies of the court documents will then have to be forwarded by you to the Registrar of Vital Statistics and the state Department of Treasury.

Finally, once the name change is complete, your former name may not be used under any circumstance and any civil suits you face will remain valid.

When Children Are Involved

If children are involved in the divorce, some parents may ask the courts to also change their names to reflect the custodial parent name. This is seldom approved, with most courts preferring to leave the paternal name with the children. However, there may be instances where making a name change is in the best interests of the children; the courts consider each case on its merits.

Cherry Hill Divorce Lawyers at the Law Offices of Richard C. Klein, P.A. Help With Changing Your Name After a Divorce

Although changing your name after a divorce may seem a simple thing, experience shows that things do not always go as planned. To be safe, the best thing to do is let the attorneys at the Law Offices of Richard C. Klein handle the name change for you. Call us today at (856) 544-9155 or contact us online.