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Negative consequences of falling behind on child support

The divorce of parents in New York often obligates one person to make child support payments. Someone who loses his or her job, however, might fall behind on payments. Some individuals might work out an arrangement that allows a person to catch up on payments, but unpaid child support might cause other custodial parents to request an enforcement action.

After informing a child support enforcement agency about a parent who fell behind on payments, the consequences could be severe. The back child support places a black mark on a person's credit report. This could prevent him or her from getting housing or a vehicle because loans will be denied. Without reliable transportation, a parent who wants to start earning again and catch up on child support might find it impossible to get a job.

How financial differences can lead to divorce

Many couples in New York divorce because of disagreements about finances. Unfortunately, there are several common money situations that can lead to the end of a marriage. One issue is poor communication, which can only be overcome if one spouse completely trusts the other to handle the finances. However, this can lead to problems if the financially savvy spouse dies or if the couple divorces. It is better for couples to have a monthly conversation about the family finances.

Another issue is failing to save. The lack of an emergency fund means that most people will eventually run into financial problems, and those problems can put a strain on the marriage. Couples can begin saving up for three months' worth of income by automatically having a small percentage of their paychecks placed in a savings account.

What parents should not do when creating a parenting schedule

During a divorce or a separation, New York parents will have to make decisions about how they will deal with custody. If parents have joint custody, they will need to create a schedule for when the kids will spend time with each parent.

When parents are creating a parenting schedule, they should focus on their children's needs and not convenience. While some of the final decisions may be convenient for a parent, others may not. Furthermore, parents should never use the parenting schedule as a way to get back at their former partner. Instead, the focus should entirely be on supporting the children and their ability to maintain strong bonds with both parents.

Consider collaborating in your divorce

Divorce doesn’t have to be a long, drawn-out battle with a winner and loser. Couples split up for any number of reasons, and every divorce doesn’t have to be a contentious fight. Divorce laws are designed to create an equitable outcome for all parties, and spouses who have maintained open communication have options to avoid some of the challenges of conventional divorce.

As you decide the best route for dissolving your marriage, consider collaborative divorce. Collaborative divorce can be more private and respectful than conventional, litigated divorce.

Divorce can often take years to complete

New York couples who are considering divorce might be concerned with how long the actual process will last. While it can depend on many specifics, divorce can take from just a few months to several years. In the end, how long the process turns out to be will depend on the couple and their ability to work together, compromise and negotiate.

In amicable cases, where the couple has no children and few assets, a DIY divorce might be the best route. In this option, the couple fills out the necessary documents, files them and then waits until the court provides approval. While the length of this process might vary, the average wait for DIY divorce is about two or three months. If the couple is still amicable but there are some disagreements over assets, the couple might choose mediation or arbitration. Mediation provides the couple with a neutral third party to help them come to an agreement, but it is not binding. Arbitration uses a neutral third party to make the decision for the couple. These two processes take longer than a DIY divorce and can go from a few months to years, depending on the couple.

Dealing with restrictions during a pending divorce

Going through a divorce can lead to some unexpected restrictions for some New York couples. During the process of finalizing a split, there are a number of changes and actions that may require patience. Even spouses who are prepared for the financial and legal changes may find themselves surprised by some of the things that they cannot do during the divorce proceedings.

For example, a spouse will generally need to keep their future ex on their health insurance plan until the divorce is finalized. While a child custody battle takes place, one parent may be restricted from leaving the country with the children. In many cases, overseas travel with the children is restricted during divorce and custody disputes, especially when one of the parties has citizenship, residency rights or family ties to another country that could enable the parent to keep them outside the United States. In many cases, a parent simply wants to travel with their kids. However, they could find themselves blocked by the restrictions surrounding their divorce.

Unexpected rules during a divorce

Once they begin the divorce process, New York spouses should first consult with their attorneys before making significant changes to their finances or taking certain parental actions. There are various rules and restrictions that come into play during a divorce, and not adhering to them can result in legal complications.

Neither party in a divorce can get rid of or transfer assets without the express consent of the other spouse or a court order. In addition, they are not permitted to remove their spouse's authorization on financial accounts, sell major assets or fund a large shopping spree on credit cards.

Making a divorce easier to handle

Divorce can be painful for any New York couple. However, there are ways to make the process as easy as possible. First, it's important for an individual to know what he or she needs during this time. It's also worthwhile to understand what the ex-spouse wants to settle a divorce in a timely manner.

Divorces are generally easier to handle when they are thought of as business deals. Having this mindset allows an individual to think rationally instead of emotionally when ending a marriage. Since this is a business arrangement, it's important to know the key numbers in the deal. Ideally, a spouse will gather financial documents, credit reports and other information needed to determine what he or she will need from the divorce settlement. An attorney could gain access to this information on a client's behalf.

Know how to pursue the nest egg during divorce

You’ve worked hard to raise your children. You put your career on hold to be a stay-at-home mother while your husband worked. This was an agreement that the two of you decided on together. A lot of thought and planning went into it, because you had your own career aspirations.

Now you and your husband have decided that your marriage isn’t working. You’ve tried couples counseling, date nights and new negotiations. While the two of you tried, you’ve decided it’s best if you separate. As you plan for the divorce process, you worry about your children, finances and future.

Getting child support right between divorcing couples

Child support is a major point of contention among New York parents, especially formerly married exes. While some custodial parents feel like they deserve more, others believe that the system is rigged in favor of the recipients. The Census Bureau paints a clear picture of the child support dilemma in the U.S.

In the recent report Custodial Mothers and Fathers and Their Child Support, researchers found that there are 13.4 million single parents with custody of their children living in America. Nearly half of them report that they have some form of child support agreement. While a majority of agreements are formal, a select 10 percent of them are informal in nature.

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