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Dave Roy

Alternatives to Bankruptcy. Filing for bankruptcy is a huge decision that should never be taken lightly.

Alternatives to Bankruptcy

Whether you’re considering filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy, there may be steps you can take first to avoid bankruptcy altogether and get your personal finance situation back on the right track. Make Lifestyle Changes Cut back on your spending habits. This may not feel easy, but it may be the best course of action in the long run. Consider creating a realistic and responsible budget that considers your income. Child Custody Evaluations. In divorce cases where children are involved, there is a high likelihood of extensive custody battles.

Child Custody Evaluations

Many of these disagreements center around time-sharing schedules and child support. Understanding Collaborative Divorce in Florida. The traditional divorce process has a reputation for being complicated and stressful.

Understanding Collaborative Divorce in Florida

The tensions that contributed to the decision to move forward with a divorce often contribute to making the process more adversarial. In 2017 the Florida Supreme Court passed an act with accompanying rules putting into place the collaborative law process. This process allows couples who can work together to reach a peaceful settlement agreement to present to the court. Before diving into the benefits of the process, it is important to understand better what the process entails. Social Security and Divorce. Unpacking new legislation After the passing of the 2015 Bipartisan Budget Act, Congress effectively changed the eligibility rules for social security benefits.

Social Security and Divorce

These changes targeted divorced individuals, altering which benefits they would be eligible to receive, and when. With these amendments came new age restrictions and different options for individuals to utilize delayed retirement credits. While these changes may seem confusing, the end result is that they actually benefited those who were divorced from their spouses by providing greater flexibility to their social security eligibility. For more information and the various levels of impact, read below. New Birthdate Restrictions Under the new budget act, congress split Americans into two separate groups— those born before Jan. 1, 1954, and those born after. If you were born before this date, you are eligible to have a greater deal of flexibility in how you withdraw benefits. Florida Divorce Mediation: Tips and Process. While everyone dreams of having an uncontested divorce where all proceedings are quick and peaceful, reality often has different plans.

Florida Divorce Mediation: Tips and Process

Divorcing couples are prone to disagreement, some more than others, and often have significant discrepancies in what they want out of a divorce. Some of these differences include visitation arrangements, child support amounts, and even which assets belong to which individual. In cases like this, individuals cannot complete their divorce unless they come to a complete compromise.

Many worry this means court. Pandemic Risk Insurance Act of 2020. Responding to the Coronavirus Pandemic is a twofold process for Americans: on one front, individuals are learning how to navigate life safely to mitigate spreading the virus, on another front, those same people are trying to manage the economic fallout from sheltering in place.

Pandemic Risk Insurance Act of 2020

Unfortunately, America did not, and does not, have a plan to protect individuals and small businesses from the aftermath of being closed for long periods of time. Not only are these safety nets not available on the federal level, insurance companies have been fighting to avoid Covid-related business interruption payouts. This leaves business owners at a loss and financially unsupported by the very entities that were made to protect them. As such, there has been a spike in litigation over the matter running parallel to congressional reform trying to avoid the aftermath of another economic collapse. Read below on the new congressional PRIA Act and what it proposes for the American people. What is Commercial Property Insurance? For many business owners, maintaining a storefront is a necessity.

What is Commercial Property Insurance?

Whether it is to showcase products or to meet with clients, for more businesses than not, you will have a physical location. Having a location means needed to expect the unexpected should damage occur. Losing access to your storefront or having your office experience damage can create a challenge for your day to date business operations. Not only can you lose revenue, the cost of repairs adds up quickly as does consumer frustration.

Florida Bankruptcy Exemptions. Covid-19 and Business Interruption Insurance. Financial damage to businesses during the Coronavirus outbreak are undeniable.

Covid-19 and Business Interruption Insurance

With decreased demand in many sectors due to closures and social distancing, small businesses are bearing the brunt of the financial costs to their bottom line. While many businesses have Business Interruption Insurance, many of the existing policies are not equipped to explain whether or not compensation can be awarded in the face of a virus. With much instability still to come as states begin to re-open, and perhaps face future closures, many are wondering whether filing a business interruption claim can help blunt the hardship they, and their staff, are experiencing from COVID-19. Business Interruption Insurance Claims. All of us understand that it is an incredibly difficult time for all businesses.

Business Interruption Insurance Claims

And still the uncertainty with timing and government programs is still changing daily. Our family, friends, staff members, clients or customers and the very future of your business are all in the crosshairs of the coronavirus. West Palm Beach Divorce Lawyer. Divorce Lawyer in West Palm Beach If you are getting divorced, the least stressful way to get through the process while best protecting your future is with an experienced divorce lawyer in West Palm Beach.

West Palm Beach Divorce Lawyer

In Florida, divorce is referred to as a “dissolution of marriage.” Fault as a grounds for divorce has been eliminated in Florida. To dissolve a marriage in the state, the only requirement is for one of the parties to provide proof that the marital union is “irretrievably broken.”