Divorce For Men – Child Custody Library

200 Child Custody Publications By World-famous Custody Experts. Every Custody Topic Is Covered!

Child Custody Library offers quick and easy access to expert-quality publications that offer help and guidance for every child custody topic. Every title is STATE-SENSITIVE. Through our easy and confidential ordering system, we can deliver these publications to your computer in just a few minutes where they will be available 24 hours a day for as long as you choose. You are ALWAYS receiving the most current information available and EVERY Publication is 100% GUARANTEED!

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The difficulties for Men and Divorce with Child Custody

This is an excerpt from The Custody Center.

A NOTE FROM THE PUBLISHER:Most “self-help” books about child custody are written by an anonymous author (or one using an alias ) with no worthwhile credentials. Dr. Bricklin and Dr. Elliot are two of the top professionals in the field. We have included their biographies so you will know who you are dealing with. We invite you to check them out.

Check out the authors here.

WHAT IS REALLY IMPORTANT HERE? It’s not the money that you pay for your “Strategies” (the whole legal process costs so much that the cost of this publication becomes insignificant in comparison) -–it’s the fact that you are relying on Dr. Bricklin and Dr. Elliot to help you get through one of the most complicated, most frustrating, and most gut-wrenching periods in your life.

Since 1989, thousands of fathers from every state in the United States have relied on the incredible expertise of Dr. Bricklin and Dr. Elliot to get them through what is a very specialized field, with many hidden dangers for men.

Read the whole story at The Custody Center.

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Avoid The 10 Biggest Divorce Mistakes

If you are a man facing divorce, then there are some ‘very important’ important things you must know. There is a lot of things that are important to every man going through a divorce. Things like your kids, your house, car, TV, and so much more.

• when to know when you are in for a rough ride with your spouse?
• when to know when is it NOT the time to be on friendly terms with your
  spouse?
• how to redefine emotional boundaries with your spouse?
• when do negotiations not work in divorce?
• what are the special challenges for divorcing parents?
• how to get the most out of your attorney?
• how to reduce the cost of your legal fees?
• …and many more

Learn How To Win Your Divorce Without Losing Your Shorts or Your Kids! – Read More Here

Still can’t find what you are looking for?

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Divorce For Men Ammo

In a divorce case that sounds like something out of a detective novel, a judge recently determined that the private detective hired by a man to follow his wife was a legitimate part of the divorce process.

According to the story in the New York Law Journal, the Orange County, New York, man hired the private investigator to follow his wife to a hotel, where she was having an affair with a priest. The husband gave the recording to the church where his wife worked, and she was forced to resign

Looking for assistance with your divorce.  Read the rest of the article at Divorce Blog, Divorce and Family Lake News.

Looking for Divorce help for Men?  Check out Divorce Ammo, What they  Don’t Tell You.

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Divorce causes major issues with health insurance benefits. Many families have employer provided and/or paid for health insurance benefits that cover the entire family. It is not uncommon to see situations where the other spouse is a stay at home parent, with absolutely no access to health insurance benefits, or employed at a job with either no health insurance benefits available or those benefits available at a substantial cost. After a divorce, the spouse with the family health insurance coverage can no longer cover the other parent. They are no longer “family” members who can take advantage of one health insurance policy. How to then ensure that everyone stays insured does become an issue for negotiation and/or divorce litigation.

If both parties do not have health insurance benefits available and if the cost of obtaining those health insurance benefits for the other party after a divorce become prohibitive, there is one way to continue benefits without additional cost. That way is to enter into a separation agreement, but delay the divorce. That way, the parties actually do remain married and they can stay on the same health insurance plan even thought they are separed. The parties can consent to waiting for one, two or more years before either one files for a divorce. While the parties will remain married, their property, custody, and support issues will be addressed in their separation agreement. Under some circumstances, this is an optimal resolution. For example, what if both parties want one spouse to remain at home for several more years with young children, but they do still want to separate and divorce? This option works for them. They can separate, agree upon getting a divorce and all of the terms that they have to agree upon, but delay the final divorce so that they can keep cost effective health insurance benefits in place.

The above example can provide some difficulties that must be discusse in detail with your divorce attorney. For example, if you separate but do not divorce, your federal tax filing status may be affected. Also, in some states, it is not as easy as in other states to enforce a separation agreement. Or, in yet other states, it is possible for one spouse to take the advantages provided by the agreement for a year or two and then go to court and seek entirley different forms of financial relief in a divorce action. Only a divorce attorney licensed to practice in your state can advise you on these issues.

Another option for couples divorce is COBRA coverage. COBRA is a federal law which mandates that a person covered under a health insurance policy be given the right to continue that coverage, at their own cost, for a set time period if certain requirements exist. For example, if you obtain a divorce and your spouse had family health insurance coverage through his employer, the employer would have to provide COBRA coverage for you after the divorce. That COBRA coverage would require that you have the same health insurance policy, although your coverage would now be individual and not family. You would have to pay the employer’s cost for that individual policy.

It is not uncommon for a stay at home spouse or a spouse who has less income or employment options to obtain COBRA coverage and to negotiate that their spouse pay for that coverage for a specified time period after the divorce. In doing so, this gives the spouse who did not have coverage available some time to either obtain employment with coverage or become financially settled and able to afford their own coverage.

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Discover the Failsafe, Comprehensive, Divorce Guide That Reveals The Secrets To A “Successful Divorce”…
With Home, Finances, Lifestyle And  Your Self Respect Intact

Successful Divorce gives men and women struggling through divorce (a large segment of our community) all the knowledge they need to get through the pain and heartache of divorce. This means that can have a Successful Divorce move on to a brighter and happier life.

 Divorce Success Guide

Ready for a successful and fast divorce?

Divorce, as you are no doubt aware, is fraught with all sorts of difficulties and stresses. There are so many issues to figure out…
finances, housing, custody, and the list goes on.
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Want to know how to fast track your divorce and obtain every successful outcome?

Head here now: Divorce For Man Success Guide

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When it comes to divorce, emotions and rationality clash on a daily basis. You need to make solid, clear decisions, but this is very hard when you’re experiencing emotions such as anger, hostility or grief.

And that’s why you need to obtain knowledge, as much knowledge as you can, to make the divorce process as easy as possible.
And that is where the Divorce Survival Guide comes in. In this book, you can learn everything you need to know to ensure you get a
successful divorce, including:

*What you need to know about custody and settlements
*What sort of divorce and what sort of lawyer you need
*How to approach difficult issues such as infidelity
*How to explain the situation to your children to ensure they are not hurt by the divorce process more than you can help
*How to get through a divorce with your bank account AND your self-respect intact
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Rush here now to secure your own Divorce Survival Guide:
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Think about it, if your spouse was to turn around one day and ask for a Divorce, would you know what to do and the issues facing you?

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Bill and Susie 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 Susie 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 Susie was still legally responsible for paying off the couple’s joint accounts. Susie 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 your name (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.

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Unfortunately, for many, the experience is the exact opposite. Unfulfilled promises to pay bills, the maxing out of credit cards, and a total breakdown in communication frequently lead to the annihilation of at least one spouse’s credit. Depending upon how finances are structured, it can sometimes have a negative impact on both parties.

The good news is it doesn’t have to be this way. By taking a proactive approach and creating a specific plan to maintain one’s credit status, anyone can ensure that “starting over” doesn’t have to mean rebuilding credit.

The first step for anyone going through a divorce is to obtain copies of your credit report from the 3 major agencies: Equifax, Experian®, and TransUnion®. It’s impossible to formulate a plan without having a complete understanding of the situation. (Once a year, you may obtain a free credit report by visiting www.AnnualCreditReport.com.)

Once you’ve gathered the facts, you can begin to address what’s most important. Create a spreadsheet, and list all of the accounts that are currently open. For each entry, fill in columns with the following information: creditor name, contact number, the account number, type of account (e.g. credit card, car loan, etc.), account status (e.g. current, past due), account balance, minimum monthly payment amount, and who is vested in the account (joint/individual/authorized signer).

Now that you have this information at your fingertips, it’s time to make a plan.

There are two types of credit accounts, and each is handled differently during a divorce. The first type is a secured account, meaning it’s attached to an asset. The most common secured
accounts are car loans and home mortgages. The second type is an unsecured account. These accounts are typically credit cards and charge cards, and they have no assets attached.

When it comes to a secured account, your best option is to sell the asset. This way the loan is paid off and your name is no longer attached. The next best option is to refinance the loan. In other words, one spouse buys out the other. This only works, however, if the purchasing spouse can qualify for a loan by themselves and can assume payments on their own. Your last option is to keep your name on the loan. This is the most risky option because if you’re not the one making the payment, your credit is truly vulnerable. If you decide to keep your name on the loan, make sure your name is also kept on the title. The worst case scenario is being stuck paying for something that you do not legally own.

In the case of a mortgage, enlisting the aid of a qualified mortgage professional is extremely important. This individual will review your existing home loan along with the equity you’ve built up and help you to determine the best course of action.

When it comes to unsecured accounts, you will need to act quickly. It’s important to know which spouse (if not both) is vested. If you are merely a signer on the account, have your name removed immediately. If you are the vested party and your spouse is a signer, have their name removed. Any joint accounts (both parties vested) that do not carry a balance should be closed immediately.

If there are jointly vested accounts which carry a balance, your best option is to have them frozen. This will ensure that no future charges can be made to the accounts. When an account is frozen, however, it is frozen for both parties. If you do not have any credit cards in your name, it is recommended you obtain one before freezing all of your jointly vested accounts. By having a card in your own name, you now have the option of transferring any joint balances into your account, guaranteeing they’ll get paid.

Ensuring payment on a debt which carries your name is paramount when it comes to preserving credit. Keep in mind that one 30-day late payment can drop your credit score as much as 75 points. It is also important to know that a divorce decree does not override any agreement you have with a creditor. So, regardless of which spouse is ordered to pay by the judge, not doing so will affect the credit score of both parties. The message here is to not only eliminate all joint accounts, but to do it quickly.

Divorce is difficult for everyone involved. By taking these steps, you can ensure that your credit remains intact.

Every man needs help so we are throwing you a lifeline. The Divorced Dad’s Survival Guide is the friend and guidance that all men going through divorce needs.  We created this divorce for man blog because we men have to stick together

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Married couples with bad debts have problems enough, but if divorce is in the air, things could be about to get a whole lot worse. When you consider that bad debts can be a cause for divorce it becomes clear that this is a big problem facing many people.

You might think everything is split 50-50, but in real life, people have different earnings and have different responsibilities, and there could be only one name on certain crucial shared items like a mortgage or a loan. A stay-at-home mom might have sacrificed a career to bring up the kids, and such things need to be taken into account when making divorce settlements. And all this without mentioning attorney fees.

The first problem might be the house. From two contributors to a mortgage there could suddenly be just one. In most cases this benefits neither party, as one person is effectively homeless and the other might end up paying double what they are used to. No two cases are the same, but some arrangement will have to be sorted out. There’s also the economy of scale of having multiple occupants of a house.

Food, heating, water, cooking, council tax and electricity bills will be much less per person when shared than spread over two homes. If a mortgage is shared, a house may be sold to buy two homes, for example, but again, two homes usually cost more than one house. No wonder people move back in with their parents!

It is important to get the debts sorted out at an early stage, as the approaching hits (larger bills etc.) cannot be avoided. If you’re a homeowner – whether or not you still live there – you could be eligible for a bad credit secured loan. The low costs per month could really help you while you get back on your feet.

The good news is that you’ll probably adapt to your new life quicker than you think. You need to keep a level head and realise that there’s no partner to bail you out of a bad month, and that any slippage back into debt are within your power to avoid. It’s a big step, but by consolidating and keeping a closer eye on your finances you can wave goodbye to your ball and chain once and for all.

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Divorced Dad Survival Guide, (Men Only)

Dear Friend, (and trust me when I say you will need one)

If you are one of the 1% of men who actually believe they can navigate the waters of divorce with simple and effective adult conversation with your (soon to be) ex, this site is not for you. In fact, call a mediator immediately and sit down and reach an understanding as soon as possible.

However, if you are among the remaining 99%, please listen carefully because…

…you are about to engage in the fight of your life…

No, you are not asking for it. You may not even want it. But, it is part of your new reality and a very real part of the process you are about to enter.

With just the slightest twist and turn of events in a relationship, a happy marriage can crumble to an ugly, nasty divorce in seconds flat. And, don’t think it can’t happen to you because it can and will…just like it happens to normal ‘nice guys’ every day of the week…every month of the year. History does repeat itself in matters of marriage and divorce.

You may or may not remember those affectionate, warm loving feelings you once had as you watched your bride at the alter or the beach or the park on that memorable day. So many details, so much emotion, so many happy memories.

But, If you have found this page, then those memories are fading quickly and happiness turns immediately into very real feelings of pain, disgust, frustration and even bitterness. 

Divorce is unfair, bitter, ugly and nasty…and the process does not favor MEN… 

Every man needs help so we are throwing you a lifeline. The Divorced Dad’s Survival Guide is the friend and guidance that all men going through divorce needs.  We created this divorce for man blog because we men have to stick together…

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