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Using Chapter 7 bankruptcy for financial relief

Feeling like you are drowning in debt is one that you might not be able to overcome. For most consumers, there are two options for filing bankruptcy. These are Chapter 7 and Chapter 13, and each has its own guidelines.

The first question is whether or not your income is sufficiently low enough to qualify for Chapter 7. If your income is over the state median, you have to fill out a means test to determine if you qualify for this type of bankruptcy. The time since any previous bankruptcy case also matters.

Key mistakes to avoid making in child custody cases

Divorcing parents can become so focused on what they are going through that they forget about the kids who are watching their every move. When you are going through a divorce, you have to take steps that protect your children and set a good example as adults. There are several things that you should avoid as you are going through the divorce and child custody negotiation process.

First, you shouldn't adopt a "me versus you" mindset. Children want both parents to be at important events. They want both to be there for them when they are doing something they feel passionate about. When you decide that you are going to work with your ex, you can extend an olive branch that enables you to parent together with less conflict and stress.

Make a plan for your financial future even when you have debts

Being in debt can become a hopeless feeling when it gets to the point where the minimum payments are taking up most of your income. Just making ends meet can be a huge challenge. In some cases, it is impossible. If you are at the point where you think that all is lost, it is time to sit down and try to make a plan for your financial future.

One of the first things that you need to do is set a budget. You need to know your income and all the bills you have. After you do this, you can look into where you can save money. This might be canceling cable and other unnecessary expenses. You should then make a plan that accounts for every dollar you earn. Figure out how to put as much money toward your debts as you can. Start by paying off the lowest balance debt so that you can gain momentum to tackle the bigger ones.

Only children can thrive after their parents divorce

An only child has a special bond with their parents, especially since they are the only kid who gets attention at home. When you break the news that you are divorcing, they might immediately feel an anguish since they know it means that they won't see both parents daily. Not having siblings to help them through this time can be a challenge for them. Fortunately, kids are resilient, which can be beneficial for an only child.

If possible, both parents should try to keep a schedule that closely resembles the one the child is accustomed to. This can help younger children to see that there are changes but that most things they are familiar with will remain the same.

4 types of TBIs you may sustain during a fall

In the hot summer months, water seems to be everywhere. Whether walking beside a swimming pool, strolling in the park or shopping in a market, you have to worry about slips and falls. After all, if you sustain a traumatic brain injury, your fall is significantly worse than mere embarrassment. 

According to the Centers for Disease Control and Prevention, TBIs kill more than 150 individuals every single day in the United States. If you hit your head during a fall, your life may never return to normal. Here are four types of TBIs you may sustain during a slip and fall: 

Categories of damages possible in car wrecks

When you have a personal injury claim, one of the priorities you might have is seeking compensation. Knowing what categories you might be able to claim can help you determine what you need to do. It is imperative that your remember that you must be able to tie these amounts to the injuries you received in the crash, and those injuries have to be tied to an accident caused by a negligent driver.

One of the biggest expenses that you will have when you are in this position is medical care. This doesn't include only the current bills you have. It also includes any future care you receive, as well as the emotional health help you will likely need by the end of the process. When you are trying to figure this out, you might need to look at similar cases to get an idea of what you may need to seek.

Share kids with an ex? Congratulations! You're on the same team!

Trying to figure out how to model the child custody relationship between you and your ex can be challenging, especially in the early days after the divorce. One of the most important things that you need to do right away is to set your mind to work with your ex. You might be on opposite sides of the table for the divorce, but you must be on the same team for the children. Making this distinction can be difficult, but it can help to smooth the situation over so that your children can benefit from a solid parenting relationship.

When you put the children first, things might start to fall into place easier. You won't be so focused on making your life easier or getting back at your ex for the divorce. Your children benefit by getting a parenting time schedule that enables them to thrive, and they can rest assured that their parents are making decisions based on what the children need.

Mounting medical debt might require bankruptcy

One of the main reasons people in this country file for bankruptcy is medical debt. Unfortunately, this isn't something that is easily avoided unless you never seek medical care for anything. It surprises some people to know that even patients with good insurance might end up in financial trouble because of medical bills. When you have mounting medical bills that you can't pay by the due date, you will have to come up with a plan for taking care of them.

One of the most important things to remember is that most medical creditors will offer payment plans to help get the debt paid off. The issue with this is that the monthly amount they want might be exorbitant. In some cases, that amount might not even be enough to cover the interest they charge. This can lead you more into debt since the balance won't go down.

Do what's best for your children during divorce

Many things that you have to deal with during divorce are going to be challenging. One thing that can complicate matters even more is when you have children who are looking to you to find out how they should react to the situation. As a parent, you have a duty to protect your children. During this transition time, you might have to do a bit more to help them through their emotions.

One thing that you need to do from the start of the divorce is to keep any negative conversations away from the children. They don't need to see any fighting between their parents, so make sure that you don't hash those out around them. There should be private times when you can discuss contentious matters with your ex. Along this same line, be sure not to use the kids as messengers back and forth.

Summertime wrecks can ruin the entire season

The summer is a time of family road trips and vacations. When you are planning on leaving home for a while, make sure that you take the time to plan everything carefully. One thing that you don't want to do is to try to rush through the travel time. We know you probably want to hurry up and get to where you are going, but don't let this cause you to get into an accident.

There is usually an uptick in vehicles on the road during the summer months. This means that roads might be abnormally congested. Trying to rush when you are in tight traffic can mean that you make errors as you drive.


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