Tag Archive for: Bucks County divorce

Divorce and Your Health Insurance Options

Divorce may leave you wondering how you will access certain benefits you previously gained through your partner. For example, how will you navigate health insurance without your spousal benefits? Rest assured that you may have several options for securing health insurance after your divorce. 

Exploring your options can help you feel more confident starting the divorce process. Your attorney can also provide valuable advice as you learn to gain financial independence from your spouse. 

Other Options for Seeking Health Insurance

While sharing your spouse’s health insurance benefits may have been convenient during the marriage, this is not your only method of securing health coverage. There are other potential options for health insurance after divorce. 

  • Check with your employer: If you are employed, your employer may offer health insurance benefits. Check with the Human Resources department to understand the insurance options available to you. Divorce counts as a Qualifying Life Event (QLE) for many insurance providers, offering a Special Enrollment Period (SEP) that could allow you to start coverage outside the typical enrollment window. 
  • Explore COBRA coverage: The Consolidated Omnibus Budget Reconciliation Act could allow you to stay on your ex-spouse’s employer-sponsored health insurance for up to 36 months as long as their employer has at least 20 employees. 
  • The Health Insurance Marketplace: If you are not eligible for coverage through an employer, you can explore marketplace insurance, which allows you to purchase coverage directly. Premiums depend on a range of factors, such as your age, health conditions, tobacco use, etc. 

Some couples choose to go through legal separation rather than divorce to maintain benefits like health insurance. While legal separation is not formally recognized in Pennsylvania or New Jersey, it is a lifestyle option to explore if staying on your partner’s health insurance is critical. 

Whose Insurance Will Cover Your Children? 

Divorcing couples also need to consider whose insurance will cover their children. It might make sense for the custodial parent to cover the children through their health insurance plan. This may be different from how you covered them previously. 

The birthday rule dictates which parent’s health insurance acts as primary coverage for the children. It states that the parent whose birthday falls earlier in the year generally uses their insurance as the primary plan for the children. You and your spouse may choose to still follow this method of determining dependent coverage. 

Will There Be a Lapse in Coverage? 

In Pennsylvania, it can be challenging to predict exactly what day your divorce decree will be finalized. It is up to the judge who is overseeing your case.

Setting up insurance to start on the day your shared coverage ends might not be doable. Consider whether there might be a lapse in coverage and whether you want to look for temporary coverage to fill the gap. 

Seek Divorce Assistance From Karen Ann Ulmer, P.C. 

Navigating health insurance after divorce is just one of the many challenges that often arise during this process. Karen Ann Ulmer, P.C., helps divorcees start moving forward. For a confidential consultation, contact us today at (866) 349-4117.

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Out-of-State Spouses and Divorce: Can You File for Divorce From Another State?

It is not uncommon for couples starting the divorce process to live in separate states. Perhaps they have been separated for some time, or one spouse has recently moved to a different state to gain distance from the marriage. However, navigating a divorce when your spouse is out of state might be a bit more complicated than a typical divorce case. 

Can you file for divorce from another state? Here are a few considerations for out-of-state divorce. 

Where Should You File for Divorce?

Divorce cases typically cannot take place in two different states at one time. The spouse who files for divorce will do so in the state that then has jurisdiction over the case. 

Many states have residency laws for filing for divorce. For example, to file for divorce in Pennsylvania, one or both of you must have resided in the state for six months or longer. These requirements might dictate who starts the divorce process in your marriage. 

There could also be advantages to filing in a specific state. Some states, Pennsylvania included, allow for no-fault divorce, meaning you do not need to prove grounds for a dissolution of marriage. Review the divorce laws in both states and consider which would potentially allow for a more streamlined divorce process.  

Do You Both Need Local Attorneys?

Can you file for divorce from another state? You can, but one spouse may need to travel to the other spouse’s state for in-person court appearances. You may wonder whether this means you need to hire an attorney in the state of filing or in your current state of residence. 

There are potential advantages to both options. Hiring an attorney in your area makes it easier to meet with them and strategize about the case. However, hiring an attorney in the filing state ensures that they have the proper licenses to practice in that state and understand applicable divorce laws. 

A good out-of-state attorney will help you manage communication, differing time zones, and other potential challenges.

Service of Process Across State Lines

Filing for divorce requires you to officially serve your spouse with the divorce papers. If your spouse resides in a different state, you can hire a process server in their area to complete the delivery. 

Process servers often work with nationwide networks of professionals to deliver legal documents across the country. They can serve your spouse according to applicable state laws and even help you track them down, should your spouse be unreachable. 

Developing Parenting Schedules Across State Lines

Finally, if you and your spouse share children, you will need to consider how parenting time will work if you live in different states. You may need to use mediation to resolve disagreements or allow the judge to determine a parenting schedule for you based on all relevant factors. 

Karen Ann Ulmer, P.C., represents divorcees in Pennsylvania and New Jersey. We can help you file for divorce from another state and navigate any complexities that arise. 

Contact us at (866) 349-4117 for a confidential consultation. 

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Entrepreneurs Navigating Divorce: Tips for an Effective Divorce Process

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Dividing marital assets can be challenging in any divorce case. But if you are a business owner, you may be concerned about what percentage of the business your spouse might lay claim to. 

Entrepreneurs navigating divorce need experienced legal counsel to advocate for their rights. Here is what you need to know through this process. 

Is Your Business a Marital Asset? 

Pennsylvania law distinguishes between marital and separate property in a divorce. Marital property includes any assets and debts acquired during the marriage. The court would seek to divide these assets using an equitable distribution policy. 

Your business may be considered a marital asset if you launched it during the marriage. Even if you started it before the marriage, its increase in valuation during the time you were married may be considered a marital asset. 

If you have a prenuptial agreement stating that your business is your property alone, you may not need to be concerned. Otherwise, it will likely be subject to at least partial division. 

Protecting Your Business With No Prenup in Place 

Your attorney will help you strategize ways to protect your business in the absence of a prenuptial agreement. You may consider options such as:

  • Structured buy-outs, in which you buy out your spouse’s interest in the business. This would allow you to retain ownership of the business while compensating your spouse for their share of the business value.
  • Trading assets, or allowing your spouse to keep assets like retirement accounts or home equity in exchange for you keeping the business  

Business Valuation and Tax Implications 

You will need to understand the value of your business when navigating a divorce as an entrepreneur. Several valuation methods are common for this purpose. You might calculate the value of the business’s tangible and intangible assets, estimate its ability to generate earnings or cash flow in the future, or compare it to other, similar companies in the industry that have been sold recently. 

For your divorce, you will need to trace the revenue you received from the business and separate it from personal assets. This can help you avoid commingling your business with other marital assets and potentially losing more of its value in the divorce than you otherwise would. 

Also, consider the potential capital gains or other tax consequences you might face from dividing business interests. Working with forensic accountants and tax professionals can help you approach this process strategically. 

Planning for the Long-Term Potential of Your Business

Courts often consider future earning potential when determining the division of assets in a divorce. If your business is in a position to grow significantly in future years, the court may factor this into its valuation. 

Your attorney can help you address growth projections fairly and accurately during divorce proceedings. 

Going through a divorce as an entrepreneur can be complicated, especially if you have multiple businesses. Our attorneys at Karen Ann Ulmer, P.C., can advocate for your rights during this process. 

Contact us today at (866) 349-4117 for a confidential consultation.

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Divorcing Later in Life

Divorcing later in life, sometimes referred to as gray divorce, presents a few unique challenges. The longer you have shared a life with someone, the more interwoven your finances, assets, and livelihoods have likely become. Untangling these matters may benefit from the support of an experienced legal professional. 

Understanding the complications that sometimes arise with this process could help you feel more confident navigating them. 

Essential Considerations When Divorcing Later in Life 

Perhaps you and your spouse are nearing retirement age, or your adult children have recently moved out of the house. Many circumstances might prompt a couple to divorce later in life. When going through divorce proceedings, consider how you and your spouse will navigate each of the following potential issues. 

  • Supporting two households: You and your spouse are used to sharing expenses. Now, the income you previously shared to support one household will need to stretch farther to support two entirely separate households. 
  • Retirement: You and your spouse will need to divide retirement assets that you might have previously planned to share. This reduces the funds you each have available and may delay your retirement.  
  • Alimony: Alimony is somewhat common for couples divorcing later in life. If one spouse earns significantly more than the other, consider how alimony might be a factor in your divorce. 
  • Estate planning adjustments: You and your spouse might each need to adjust your estate plans to reflect your new marital status. You may need to remove each other as beneficiaries, update power of attorney documents, and adjust your life insurance policies. 
  • Adult children: If you and your spouse were planning to pay for major expenses such as college or weddings for adult children, talk about how you will approach these costs when separated. 

Consider Alternative Dispute Resolution for “Late Life” Divorce

Some couples who divorce later in life benefit from alternative dispute resolution methods as opposed to going to court and allowing a judge to make major decisions for them. For example, divorce mediation encourages you and your spouse to discuss and reach a mutual agreement on issues such as the division of assets and alimony. 

Alternative dispute resolution methods are sometimes less stressful and emotionally taxing than going to court. They could allow you and your spouse to maintain a cooperative dynamic after the divorce and avoid the tensions that sometimes arise when going through a court battle. 

How an Attorney Can Assist This Process

An experienced legal professional can help you navigate the many complexities of divorcing later in life. A divorce attorney will help you consider all potential complications in the divorce and explore alternative dispute resolution processes with you. They can review your divorce settlement agreement and identify any potential issues that may lead to future financial problems.

Consult Karen Ann Ulmer, P.C. 

If you are divorcing later in life or considering a legal separation, Karen Ann Ulmer, P.C., can assist with evaluating your legal options during this process. Contact us today at (866) 311-4783 to schedule a confidential consultation.  

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What Do You Do If You Don’t Want a Divorce?

Divorce may feel like a last resort, something you want to avoid at all costs. Just because your spouse seems to have their mind made up doesn’t mean you have followed suit. You may still be hanging on to the last threads of your marriage and hoping to reach a resolution. This is often a gut-wrenching situation. 

If your spouse has already filed with the courts here in Bucks or Montgomery Counties, you must obey all deadlines. It is time to hire an attorney to go over the initial paperwork with you and prepare you for the next steps. 

Understanding what to do if you don’t want a divorce starts with knowing what you are legally required to do. Then, you can explore your options and start to move forward. 

Can You Refuse a Divorce? 

Denial, anger, bargaining, depression, and acceptance. These are the five stages of grief and the stages many divorcees go through when approaching this process. You may initially be in denial and wonder whether you can simply refuse the action or pretend it doesn’t exist. 

If your spouse has legally initiated the divorce, there is immediacy in following deadlines. However, keep in mind that your divorce will take some time. By law, Pennsylvania has a 90-day mandatory cooling-off period for divorce. After filing, you and your spouse must wait at least 90 days to finalize the process. This gives you time to reconsider the decision and negotiate any issues, like child support or property division. 

Pennsylvania follows no-fault divorce laws, meaning a spouse can choose to end their marriage without assigning blame or proving fault. While you cannot refuse this legal action, you maintain the right to contest a divorce if you disagree with the terms and want the court to intervene. 

What To Do If You Don’t Want a Divorce and Your Spouse Does

If you don’t want a divorce, now may be a good time to sit down with your spouse and determine whether they are open to reconsidering. Would they be willing to try anything to make your marriage work? Or are they already checked out? 

A few options you can present to them are:

  • Divorce counseling and mediation: Counseling can work wonders for healing a marriage. If you are going through a contentious divorce, you may even need to complete court-mandated marriage counseling. A mediator could also help you and your spouse reach a compromise. 
  • Legal separation: You and your spouse can live separately without officially ending your marriage. Perhaps your spouse is open to delaying divorce proceedings and instead living separately to start. 

If your partner isn’t open to any of these, it’s time to work on acceptance. This doesn’t need to be a fast process. Take it a day at a time, and start moving forward. 

Seek Guidance From Karen Ann Ulmer, P.C. 

Your life isn’t over just because you are going through a separation. You have a world of opportunities ahead of you, and you may look back and realize that this step was for the better in the long run. 

At Karen Ann Ulmer, P.C., we would be happy to advise you on what you can do if you don’t want a divorce. Contact us today at (866) 309-3307 for a legal consultation.

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Bad Divorce Advice

If you are divorcing, you need the support and understanding of friends and family to help you through the process. What you do not need is bad advice that, if followed, can harm your interests and increase the cost and complexity of the process. 

If you talk to someone about your divorce and the issues that come with it, you could get a variety of reactions. The other person may want to change the subject. They may have been divorced in the past and provide you with helpful insight.  

They could also be well-meaning but give you misinformation or inappropriate suggestions based on what they have read on social media or the supposed experiences of their friends and family members. You need to filter out the wheat from the chaff. 

Bad divorce advice:  

Over the years, clients have told us plenty of incorrect, illegal, and just plain whacky ideas they have heard. Here are a few that are worth avoiding: 

  1. You Should Lie to Get the Best Divorce Possible 

It could be making up abuse by a spouse, hiding assets, distorting important conversations with your spouse, or claiming you do not remember something that you clearly do. Chances are this will poison whatever goodwill is left with your spouse. The case will head to litigation, not a settlement, and your duplicity will probably be exposed. 

You may have been in a good position to reach your goals, but your dishonesty may effectively set your case on fire. Judges have enough to deal with and do not have patience for liars. Neither do we. We have enough honest clients to serve. We do not want to work with dishonest ones. It is not worth the grief. 

  1. You Should Save Money and Represent Yourself 

Representing yourself may be a good idea in limited circumstances. If the two of you are childless, have low incomes and few assets, and want the relationship to end, then representing yourself is worth considering.  

However, while you may think you are saving money by representing yourself rather than hiring an attorney, more than likely it will cost you in the long run.  The legal process can be complicated and you could waive rights, trust your ex a bit too much, or not take care of details causing you headaches and significant issues in the future.  

You may qualify for help from legal aid organizations, depending on your circumstances. You may also receive financing to help pay for our services. 

Anyone thinking about a divorce should at least talk to an attorney. When we talk to prospective clients, we often spot issues they did not know about or thought were unimportant. If an attorney is not protecting your rights and interests, you may end up with a divorce that is not in your best interest. It may cost you far more in the long term than what you saved in legal bills. We can help you keep your costs down. 

  1. Spend Money While You Can 

Going on shopping sprees, enjoying an expensive vacation, or showering friends and family with gifts sounds like great fun, but it is not a good idea if you are getting divorced. It comes with equitable or fair asset and debt distribution. There will be a formal moment when you and your spouse decide to divorce. Once you establish that point, you will be responsible for your spending.  

By spending money owned by the two of you, you will end up with less when all is said and done. That wasted money will be subtracted from what you may have received. It will not come out of your spouse’s pocket. You also risk being cut off from funds if your spouse asks a court to freeze assets you might abuse, and you, not the two of you, may end up with your credit card bill. 

Get the Help You Need from an Attorney You Can Trust  

If you are considering getting divorced or have decided it is right for you, call us at (215) 608-1867 or schedule a consultation online now. We can discuss your situation over the phone, via a teleconference, or meet in our Langhorne or Doylestown office. 

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What is Joint Physical Custody?

If you are a divorced or separated parent, you probably share physical custody of your child or children. This means you are with your child physically, spend time with them, and supervise your child. The law presumes a child is better off spending time with both their parents, though custody rights can be limited depending on the situation. 

What is Custody? 

There are two types: 

  • Legal custody gives the adult the right to make important decisions for the child. This covers essential issues like medical care, legal issues, education, and religious practices or beliefs. 
  • Physical custody refers to who is physically with and overseeing the child.

One person has sole legal custody of a child, or it is shared. Physical custody is: 

  • Sole: One person has these rights, and the child spends their time with them. 
  • Joint or Shared: Normally, two people have these rights. The child spends about half their time with each. 
  • Primary: The child spends most of their time with one adult. 
  • Partial: The child spends some time with this person, the rest with the party having primary physical custody. 

If the parties cannot agree on who should have physical custody and what type, the issue can be litigated, and a judge will decide the issue based on the child’s best interests. If there is an agreement, the judge will review and possibly reject it based on the same standard. 

How Does Joint Physical Custody Work? 

In most cases, the ideal joint physical custody arrangement will be for the child to spend the same time with each parent or close to it. Practical realities often stand in the way of that perfect outcome, such as: 

  • The distance between the parents’ homes 
  • Where the child attends school 
  • The parents’ work schedules 
  • The child’s after-school activities and schedule 

To try to deal with these limitations, the parties should come up with a parenting time plan (which is submitted to the court as part of the custody process). Parenting time is the time a parent spends with a child. The plan maps out which parent will spend what time with the child. The parties should look at their situations and develop the best plan possible. They should try it, and if it is not workable, be flexible enough to adjust it. 

What are Our Options? 

A common approach is a 2, 2, 3 schedule. One parent has the child Monday and Tuesday nights, the other has Wednesday and Thursday nights, and the parents alternate weekly for Friday through Sunday. This presumes the child is too young for school, or the parents’ homes are close enough for the child to attend the same school, and neither parent works nights or weekends. 

Another way to share physical custody is to find a way to equally split time by the child being with one parent during the school year, weekends are shared between the two parents, holidays are split, and the other parent has the child when school is not in session. This approach is more practical if the parents do not live in the same area. 

This is not about a child punching a clock, so they are with a parent precisely half the time. The focus should not be on an equal quantity of time, but on maximizing the quality of time the child has with each parent, given everyone’s schedules and commitments. 

Child Custody Lawyers You Can Trust   

If you have questions about physical custody or want legal representation in a custody matter, call Karen Ann Ulmer, P.C., at (215) 752-6200 today.

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International Divorces and Some of the Challenges the Parties Face

Bucks County and Central New Jersey have large immigrant communities, so it is not unusual for another country’s laws to impact the divorce of someone living here. No matter where the parties are or whose laws are used, the more reasonable and cooperative the spouses are, the easier the process.  

If you believe your spouse may file for divorce and/or child custody in another country, it is critical that we speak immediately to protect your rights as soon as possible. In the meantime, it is best to gather all of your IDs (and those of your children) and place them somewhere for safekeeping. Do not allow your spouse to take your children out of the country. 

What is an International Divorce? 

Another country’s laws may apply to a divorce, depending on the circumstances. When this happens, it is considered an international divorce. International divorces involve spouses married in another country or one or both of them: 

  • Live in another country 
  • Own property in another country 
  • Are another country’s citizens 

If you think you fall into this situation, contact our office immediately. International divorces can be like a complex machine. You do not want to get caught up in the gears, and what you do and when may impact the outcome. 

Why File for Divorce in One Country and Not the Other? 

Part of a country’s culture is its view of marriage, parenthood, and the equality (or lack thereof) between the sexes. That affects their laws. A country may provide less legal protection and rights to a wife than a husband when they divorce.  

Someone may file for divorce in their home country, not the US because they think the laws there are tilted in their favor. They believe it will be easier to get what they want through a trial or they believe the foreign country’s laws will give them negotiation leverage. 

Who Has Jurisdiction? 

The courts of more than one country may claim jurisdiction or the ability to decide the matter. Each country has its own laws and court processes. Every divorce issue can be impacted, whether that is child custody, child support, alimony, or division of assets and debts. 

One factor is where the initial filing was made. But it is not just a race to the courthouse. To have jurisdiction, the country where papers are filed must meet two requirements: 

  • It must recognize your marriage exists. In the US, most marriages that are legally entered into in another country are recognized. That is not always true in other countries, especially if a spouse wants a divorce in their same-sex marriage.  
  • The party filing the divorce must satisfy the country’s residency requirements. For example, if you do not live, and never have lived, in France, filing for a divorce in France would be a waste of time.

A “dual filing” occurs when one spouse files in the US and the other files in another country. US courts will consider several issues when they decide if they have jurisdiction: 

  • Where is the property at issue?  
  • Does the foreign court have a greater interest in the divorce? If so, what is it? 
  • Does at least one spouse live in the state where the divorce was filed? 
  • If it is a fault-based divorce or if evidence is needed in the case, which jurisdiction is where more evidence is located?  
  • Will the spouse living in the US face considerable hardships if forced to participate in the foreign jurisdiction? 

International divorces can involve complex issues, and judges may be forced to make difficult decisions.  

Jurisdiction is Only the Beginning 

No matter where proceedings occur, jurisdiction only allows a court to make decisions. What is left are the other issues in dispute. After the divorce is finally adjudicated, there are other potential problems when a party tries to enforce a divorce order from one country in another country. 

Get the Help You Need from an Attorney You Can Trust  

If an international divorce might be in your future, call us at (215) 608-1867 or schedule a consultation online now. You do not have time to waste, and you must make informed decisions to get the best outcome. We can discuss your situation over the phone, via a teleconference, or meet in our Langhorne or Doylestown office.  

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Pennsylvania Child Support Basics

The state’s child support laws create a system in which parents are obligated to support their own children. This requirement includes daily living expenses, including healthcare and daycare.   

Usually, one parent is the primary caregiver, and the other pays to help with the child’s needs. The money is not for the custodial parent’s benefit. It is to be spent on the child.  

Child support is also an issue during divorce proceedings when the spouses have a child. It could be one of many issues that must be resolved before the divorce is final. If the parents are living apart, a child support agreement or order can go into effect while the parents are still married. 

How Do I Start the Process? 

Child support can be arranged in several ways. Parents can agree on support and ask a judge to approve the agreement through a support order in a divorce or other family law proceeding. Most cases start when a parent completes an Application for Child Support and submits it to their local Bureau of Child Support Enforcement (BCSE) office. If your case involves other circumstances, we can help you work with BCSE to:   

  • Find a noncustodial parent 
  • Establish paternity if the child is born outside of marriage 
  • Establish support obligations 
  • Collect and distribute support 
  • Enforce support obligations 

What are Bucks County Child Support Payments Based On? 

Support is based on the reasonable: 

  • Needs of the child  
  • The ability of the non-custodial parent to pay 

The Pennsylvania Supreme Court creates support guidelines and should be the basis of any agreement. Judges also use them to develop a figure if no deal is reached. Guidelines are driven by the parents’ monthly income. Both parents may be ordered to pay support for a child not in their care. 

The most essential factors in the guideline include: 

  • The parents’ incomes 
  • Daycare costs 
  • Health insurance expenses 
  • The number of minor children of each parent 
  • Social Security benefits a child may receive 
  • The child’s living arrangements 

A judge will review the support amount at least every four years. After an order has been signed, if changed circumstances justify it, a parent can ask that the amount be increased or decreased. 

How Can Support Be Spent? 

Support can pay for: 

  • Food 
  • Clothing 
  • Shelter 
  • Medical insurance 
  • Medical expenses 
  • Education expenses 
  • Child care 
  • Visitation travel costs 
  • Extracurricular activities 

Child support obligations continue until the child is 18 or graduates high school. Child support payments may continue if they have special needs or continue their education. 

How are Child Support Orders Enforced? 

When a non-custodial parent does not pay the full support amount on time, they violate a court order and may face serious consequences. The receiving parent could file a court action to enforce the order, with or without an attorney’s help.  It is not wise to ignore a support order.  

A parent could also request help from BCSE, which can enforce child support orders by pursuing unpaid amounts on your child’s behalf. Typically, there is a small fee to start a case. BCSE has several enforcement tools at its disposal.  

Which approach is right for you depends on your circumstances. If child support is one of several matters we help you with, it makes sense for us to handle this issue, too. If you do not have money to spend on an attorney, BCSE is a good choice. 

We Can Help You Achieve Your Child Support Goals  

Karen Ann Ulmer, P.C., lawyers believe that, unless there is an agreement, parents should not receive less child support or pay more than the law requires. Whether you pay or receive child support, if you have questions about it or need legal representation, book a 15-minute consultation by filling out our online form.  

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Is One of Your New Year’s Resolutions to Get Divorced?

We think of a new year as a re-birth, an opportunity to reinvent ourselves and change our lives. That could be changing jobs, living healthier, going on that vacation you dream of, or ending your dysfunctional marriage. If you have had enough of marriage and decide it is time to move on, Karen Ann Ulmer, P.C., is here to help.

Holidays are stressful when a marriage is on the verge of breaking up, especially if you have kids. You feel the need to “keep up appearances” to family and friends. You want your kids to have a positive holiday season, not one filled with thoughts of parents going their own ways. That is all perfectly reasonable, and it may be easier to do knowing that you will not need to continue your charade next year, so make the most of it.

Talk to Your Spouse

If you have not discussed a divorce with your spouse, unless you are in an abusive relationship and fear for your safety, you should. Ideally, you will be on the same page and can limit disagreements. When each spouse is reasonable and respectful, the process can go much faster, with less stress and expense. It is also far easier on children when the relationship ends on a positive (or at least not negative) note.

Contact Our Office

Holidays and obligations in November and December cut into the time and energy needed to prepare for a divorce. No matter how hectic your schedule, take the time to call our office and schedule a consultation. We can discuss your situation, what you need to do to prepare to get divorced, and how we can help. Together, we can “game plan” how to accomplish your goal of getting divorced.

Get Organized

Whether you start this year or after the holidays, collect and organize critical financial information and documents, including those concerning:

  • Mortgages
  • Home equity loans or lines of credit
  • Credit scores and reports
  • Debts such as credit cards, student and vehicle loans
  • Property ownership
  • Investments
  • Retirement savings
  • Bills from private schools or colleges showing tuition costs
  • Medical records if one or both of you have conditions limiting your income potential
  • Business ownership and finances

Starting new bank accounts just for your use is a good idea. You should also set up a new email account and rent a post office box so you can communicate with us and others without your spouse being able to monitor your communications.

Be Prepared if You Think the Divorce Will Not Go Smoothly

If you fear your spouse will not end the marriage without a financial or emotional fight, you will have to be mentally and financially prepared. Long, drawn-out proceedings cost both spouses more time, energy, and money. Mediation may be an effective way to pull a spouse out of their anger and selfishness and make them realize the best resolution is one both parties can accept. Divorce is about starting new lives, not inflicting pain and revenge.

Get Emotional Help If You Need It

A divorce can come with a lot of emotional baggage. You may be angry or disappointed in yourself or your spouse. You may blame yourself for the end of what you imagined would be a fairy tale marriage. You may fear being alone in the future. It is very common for those undergoing a divorce to get help from healthcare professionals. You should explore this option if you feel you may need help.

Family and friends can be excellent sources of support – or not. They may tell you to stay together “for the children.” Their divorce may have involved very different issues, and their ex may have a different personality than your spouse, so what they say may be of limited use. People near you may greatly help you or give you bad advice. You must separate the good from the bad.

If It Is Time for You to Start a New Life, We Can Help  

To learn more about divorce, the legal process, or to discuss legal representation, call Karen Ann Ulmer, P.C., at (215) 752-6200 or book a consultation online.  

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