Strange Divorce Laws in the U.S.

Divorce is complicated enough, even when you follow all specific legal regulations to a T. But what happens when you mix into the mess some wacky divorce laws? Here are some interesting, quite strange divorce laws that actually exist in the United States.

In Wichita, Kansas, if you are rude to your mother-in-law, your spouse has the legal right to file for divorce. So don’t forget to practice your best behavior when around the maternal grandmother of your kids!

If you live in Delaware and, for some reason, accepted a dare from your friends to marry someone, you and your spouse will have the right to file for an annulment.

Say your spouse becomes severely insane after about 5 years into the marriage. This will give you the right to annul the marriage as long as you live in New York. Also in New York: if you receive any type of professional degree or license, such as a medical degree, nursing degree or law degree, during the marriage, it is considered marital property.

In New Mexico and Mississippi, you can get your friends a lot more involved in your divorce than they probably wanted to be. In these states, you can blame a third party for the disintegration of your marriage.

In Alabama, you have it made if you’re the wife. If you’re the husband, you may not be so lucky once you get divorce. Alabama law allows the wife to retain all property that she owned prior to the marriage, as well as any property she may be entitled to after the divorce.

New York, yet again with some more wacky divorce laws: State law says that a couple who cannot agree on anything in a marriage must agree that they do not agree in order to get a divorce in the Big Apple.

If you live in Kentucky, you may want to think twice about remarrying your ex-spouse multiple times. In this state, it’s illegal to remarry the same person four times. Third times a charm, right?

Fortunately, Arizona doesn’t have any crazy divorce laws, but just in case you have some interesting aspects of your divorce, The Sampair Group is here to help. Visit www.sampair.com to schedule a free consultation with a Glendale divorce lawyer today.

So You’re Marrying Someone Who Has Filed For Bankruptcy…

You have great credit, and, after they file for bankruptcy, your future spouse will have a clean slate. Many marriages end as a result of financial disagreements and poor financial decision-making. When you marry someone who has declared bankruptcy, it won’t immediately affect or damage your credit score, or render you unable to secure certain loans, but it could complicate your financial health over time. Don’t be shy about sharing the details of your finances with your future spouse in order to avoid any surprises or misunderstandings. But before you walk down the aisle, there are a few things to know about how your future spouse declaring bankruptcy can affect you:

Timing
The best time for your future spouse to file for bankruptcy is before you are married. Doing this beforehand will increase your chances of obtaining new credit as a married couple. It will also give your future spouse more time to organize their finances before combining them with yours. They can start building their credit immediately after filing.

Credit Score
Each individual has their own credit report, and getting married or divorced does not combine or divide credit. As long as you do not share accounts, you and your spouses credit histories will remain separate. If you are marrying someone who has filed for bankruptcy, you will need to maintain separate bank accounts and credit facilities to be sure that your credit is not affected. Any joint accounts you have with you spouse can reflect their bad credit, and loan applications might carry low borrowing limits and high interest rates if your new spouse’s name is attached.

Start out by working with your spouse to help slowly improve their credit. After marriage, open a joint credit card for a limit under $500, so that you are not exposed to a huge liability but at the same time are using your good credit to help their bad credit. Monitor all payments to make sure they are made on time.

In order for the joint credit card to benefit your spouse’s credit, be sure that the lender will report the new credit line to all three credit bureaus (Experian, Equifax and TransUnion). After six months to one year, your spouse can try applying for a credit card in just their name from the same lender. It is easier to do it through the same lender because they have already been periodically checking both of your credit history throughout the year. Before applying however, make sure your spouse checks if they are eligible for an account in order to avoid a credit check that could make more of a dip in their credit.

Loans
When marrying someone who has declared bankruptcy, it can be difficult to permanently keep your credit histories completely separate. Large purchases, such as buying a home, usually require both names be on the mortgage so both incomes and credit histories can be considered in evaluating the risk of the loan. If you are applying for joint credit for a loan, list the person with the best credit first on the application.

No matter what your financial situation is, both partners should be open and honest about their debts and other troublesome financial situations. Discuss the options for filing for bankruptcy and talk to a qualified bankruptcy attorney at The Sampair Group for guidance along the way. Learning the facts about bankruptcy and how it can affect your marriage is important to ensure a lifetime of financial security. 

What You Should Know Before Filing For Bankruptcy in Arizona

If you are having problems paying your debts, or are threatened with foreclosure or repossession, there are ways to deal with these problems. When faced with financial challenges, considering the decision to file for bankruptcy can be difficult. Before you make the final decision to file, it is essential to know the facts about bankruptcy and the complex process that it entails. Filing may not be the answer for everyone and is certainly in no way a “quick fix” to money problems. Here are some things to consider before making the final decisions to declare bankruptcy:

1. Wait as long as you can before filing. In Arizona, you can only file for bankruptcy once every six years, so you will want to make sure you wait to make the decision until you absolutely need it. Take time to research and consider the specifics of your financial situation. Just because creditors are threatening you for not paying your immediate civil debts (aside from fines or court ordered amounts) does not mean you should immediately file. There are other options to taking care of debt, and the best step to take first is to speak to an experienced Bankruptcy Law Attorney at The Sampair Group to discuss your options.

2. If you are worried about how your credit report will be affected, be aware that your choice to file for bankruptcy will remain on your credit report for 10 years, and your credit score will increase within one year. This won’t necessarily eliminate you from qualifying for loans, but you may be charged a higher interest rate from the lenders than if you had not filed.

3. When making the decision to file for bankruptcy, be sure that beforehand, you do not incur any more credit card debt or debt from borrowed money. This also includes loaning money to friends or family members or giving or selling property without consulting with a lawyer first. Opening a joint bank account with someone that is not your spouse can severely impact you as well before filing for bankruptcy. Lawyers at The Sampair Group also advice that you do not transfer any money between bank accounts or transfer a title on any automobiles in your name.

4. After filing, you are permitted to keep a certain amount of property including your home (with an equity under $150,000), you car (with an equity under $5,000) and personal items such as household furnishings. Investment accounts and boats or RV’s are not exempt from seizure during the bankruptcy and these assets are distributed to the creditors.

Before making the decision to file for bankruptcy, meet with an experienced, qualified bankruptcy attorney at The Sampair Group to discuss your options. Do not delay or ignore financial distress as it could result in further financial expenses that can be avoided.