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Family Law Attorney Urges Business-Like Approach to Shared Parenting

Parenting plan agreements can be among the mostly hotly contested and acrimonious things to happen in a courtroom. Any parent who has been through the process knows it is emotional and heart-wrenching to even consider time away from the children.

Once an agreement has been reached and a time-sharing plan is in place, there are important reasons to stick to the plan and do so with thick skin.

• The kids. First and foremost, the children have to be the priority in the process. If they are in their diapers or in their teens, the children are the first priority of the court and it is in each parent’s interest to keep what is best for the children in mind. If the answer to all questions starts with asking ‘what is going to be best for the children?’ then the questions will be easier to answer.

• Money. Disagreeing about a co-parenting agreement can lead to a return to court. Refusing to comply with an agreed-upon time-sharing arrangement will lead to expensive litigation while the other parent tries to get everyone to live up to their end of the deal. Many parents say they wish they had avoided going back to court by simply getting along better during the process.

• Stability. By sticking to the parenting plan directed by the court in the divorce proceedings, each of the time-sharing parents can secure stability not only for the children but also for themselves. Late pick up times, missed phone calls and miscommunication about test scores or doctor’s visits all can create tension and frustration for the parents and for the children. Stability is good for the children and it is good for each parent.

Because sticking with a parenting plan is good for the kids, good for the checkbook and good for everyone’s sanity, it is important to be a great co-parent.

Being a great co-parent can often be a function of looking at this new arrangement like a business partnership. Most successful business partners can put their personal differences aside to do what is best for the company. Many former spouses with shared parenting responsibilities have had success looking at their arrangement this same way – like a business.

Looking past personal differences often means finding a way to not feel hurt when the other parent says something nasty or does something out of character. It means having thick skin. Removing personal animosity toward the former spouse and concentrating on the business at hand – raising the child – can help make everyone’s experience less stressful.

Joshua Law is a family law attorney at Olivero Law If you need a Brandon family lawyer, Tampa family lawyer, or Tampa divorce attorney, call 813.654.5777 or visit http://www.brandonlawoffice.com/

Posted on Thursday, July 5th, 2012 at 10:47 pm under News and Press.
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Brandon Bankruptcy Lawyer Explains How Long Bankruptcy Usually Takes

Personal bankruptcy usually comes one of two ways: liquidation or restructuring. Each has a typical amount of time associated with it.

Chapter 7 Bankruptcy usually will take six months or so, depending on whether the creditors put up any objections. This type of bankruptcy requires a liquidation of some assets to pay off debts.

In these cases, people seeking bankruptcy will provide a comprehensive list of their debts and their assets and a representative of the court called the bankruptcy trustee will review the information.

“The trustee meets with creditors to come up with an amicable solution to the financial problems,” said Brandon bankruptcy attorney Reggie Osenton. “When all goes smoothly, that process will take between four and six months.”

Filing for Chapter 13 Bankruptcy protection is sometimes called the worker’s bankruptcy because it is structured for people who are still capable of making an income to pay off debts. In this case, the debts and assets are noted and the bankruptcy trustee works with creditors to create a payment plan.

“The advantage of Chapter 13 Bankruptcy filings is that clients usually to not have to liquidate any assets,” Osenton said. All payment plans will require that the petitioner have a job or a steady source of income to make the payments. “Chapter 13 is a better deal for a lot of people.”

A payment plan will have to be approved by the court because it is in everyone’s best interest that the payments get made. This means the new debt will be a number that is affordable for the borrower.

Once on a payment plan is designed by the bankruptcy trustee and approved by the creditors, it will take between three and five years to pay off. Once it gets paid off and assuming everything went smoothly, then the borrower exits bankruptcy with debts paid off.

To learn more visit, http://www.brandonlawoffice.com.

Posted on Thursday, July 5th, 2012 at 10:46 pm under News and Press.
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Health Insurance May not Prevent Medical Related Bankruptcies

A good health plan can prevent financial disaster, but when deductibles are higher than a patient can handle, insured individual may still require a bankruptcy.

Americans look to insurance policies to be there when something unpredictable happens. Whether it’s an oak limb falling through the roof, an expensive car accident, or someone’s health, people assume that having coverage means they don’t have to worry.

However, with rising health care costs and higher health insurance premiums, some people are raising deductibles to unsupportable levels. At some point, a deductible becomes so high that it’s essentially useless.

“Medical expenses have made up a significant number of bankruptcies for almost twenty-five years,” said Tampa bankruptcy attorney, Reginald Osenton of the Olivero Laws. “With more high-  deductibles or employers shifting to higher deductible group health plans to save money, a lot of people with health insurance are still at risk of hitting financial hardship.”

In Florida, employers have access to group health insurance plans that can exceed $15,000. These plans are often paired with low co-pays for common doctor visits, blood tests, ex-rays, and prescriptions. But if something catastrophic takes place, such as a heart attack, the insured patient would still be liable for their deductible of $15,000.

While some employers may provide a menu of plans that their employees can choose from, thus allowing them to decide which plan fits their needs best, other companies have one plan that applies to all their employees. In such cases, the employee is stuck with whatever plan the employer offers, which may not be enough.

“The employee has insurance and now also has a mountain of debt. If they are diagnosed with something that is recurring, they could have to meet a high deductible year after year. Over time, that could lead to unsustainable medical payments that a bankruptcy could alleviate,” said Tampa bankruptcy lawyer, Osenton.

To learn more visit, http://www.brandonlawoffice.com.

Posted on Monday, July 2nd, 2012 at 5:45 pm under News and Press.
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