Posted on May 09, 2019 in Uncategorized

When you see wedding bells in your near future, there are probably 101 things on your mind -- and a prenuptial agreement is not likely to be one of them. Though it can seem unromantic and it may feel like you do not trust your future marriage, a prenuptial agreement can be a hugely beneficial tool in the event that you and your spouse ever get divorced. Prenuptial agreements give you freedoms from certain laws that you would not otherwise have. A prenuptial agreement is a legal document that allows you and your spouse to basically plan your divorce before it happens. Prenuptial agreements allow you to address issues such as property division, spousal maintenance and ownership of businesses or professional practices.

Prenuptial agreements are not just for the rich and famous -- they are useful for almost everyone. Here are a few reasons why you may want to consider getting a prenuptial agreement before you tie the knot:

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 Posted on May 07, 2019 in Child Support

The continued payment of child support is a serious matter in Illinois. Your co-parent can take you to a family court to enforce your child support agreement if you miss payments. A court that finds you in contempt of your child support agreement can use wage garnishment or the seizure of other property or funds in order to repay the money that you owe. As further punishment for your lack of payment, Illinois can suspend your driver’s license until you pay the child support in full.

Suspension Policy

Both Illinois courts and the Department of Child and Family Services have the authority to request your driver’s license suspension if you have not made any child support payments for at least 90 days. In either case, the Illinois Secretary of State’s office receives the request and will notify you of your pending suspension, to start in 60 days. At that point, you have two options:

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 Posted on April 11, 2019 in Divorce

Studies on the likelihood of divorce often look at factors on a personal level, such as an individual’s income, education, employment, and maturity at the time of marriage. A recent study from the University of California at Irvine instead looked at how society as a whole affects the likelihood of divorce. The researchers collected divorce data from 84 countries from 1970 to 2008. They did not include the U.S. in the study because they considered its statistics to be an outlier, but the findings of the study can still be applied to the U.S.

The global divorce rate more than doubled during the study period, increasing from 2.6 divorces per 1,000 marriages to 5.5 divorces per 1,000 marriages. Countries in Northern and Western Europe generally had the highest divorce rates, while divorce rates were lowest in Southern Europe, Latin America, and Eastern Asia. Divorce rates greatly varied amongst countries in regions such as Eastern Europe, the Middle East, and Central Asia. Some countries bucked their regional trends, such as Cuba having a high divorce rate and Ireland having a low divorce rate. Researchers found five common characteristics in many of the countries with high divorce rates:

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 Posted on March 16, 2019 in Prenuptial & Postnuptial Agreements

Because of Illinois’ no-fault divorce law, couples can no longer punish each other for acts such as infidelity when filing for divorce. Previously, spouses may have accused each other of immoral behavior in order to avoid paying spousal maintenance or keep a greater share of the marital properties. Now, irreconcilable differences are the only reason that couples can cite for their divorce. Some couples are instead using prenuptial and postnuptial agreements to try to penalize a spouse’s behavior. A lifestyle clause sets rules for a marriage that will result in a financial penalty if either spouse breaks them. However, you should understand the potential problems of lifestyle clauses before you include one in your agreement.

Enforceability

Lifestyle clauses are relatively new, which means that there is little legal precedent for them in courts. The individual opinions of the judge may determine whether a court enforces the clause. Some judges may reject any provision that penalizes a spouse for fault during a divorce. Other judges may allow the clause as long as:

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 Posted on March 07, 2019 in Divorce

As cruel as it may seem, a spouse developing a severe or chronic illness can increase the risk of divorce. Husbands, in particular, are more likely than wives to request a divorce, whether it is during treatment or recovery. Diagnosis of serious sicknesses, such as cancer, puts stress on a marriage, and a relationship that was already weak may not survive. It is important to seek help if you are going through a divorce while also fighting against major illness.

Sources of Stress

Treatment for a serious health problem puts pressure on both spouses. In some cases, the sick spouse may never fully recover, which will permanently change their marriage. Though the supporting spouse may try to remain loyal, he or she may be unable to handle the stress of:

• Taking on new or increased responsibilities in their marriage;
• Growing medical expenses related to the illness;

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 Posted on February 28, 2019 in Paternity

When it comes to artificial insemination and parental rights, there is an important distinction between a known and unknown sperm donor. A man waives his paternity rights and responsibilities when he donates sperm to a medical facility that uses it to impregnate an unrelated woman. The man could not later claim parenting time, and the woman could not force the man to pay child support. However, some men and women enter private agreements for the woman to use a sperm donation to have a child. Illinois courts may not recognize private agreements that claim to waive a father’s parental rights.

Entering an Agreement

Some prospective parents prefer to know the man who will be the biological father rather than using a sample from someone anonymous. They may place a public notice to look for a donor or even ask a friend. When entering a private sperm donor agreement, it is wise for both parties to create a contract that outlines whether:

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 Posted on February 19, 2019 in Divorce and Finances

Being able to afford your divorce may be one of your largest obstacles when you are considering whether to end your marriage. You will need enough money to hire a divorce attorney and support yourself when the process starts. You cannot rely on being able to immediately access the money in your marital accounts, which may be frozen. If you are financially depending on your spouse, it could take months to establish spousal maintenance payments. In order to afford a divorce, you can start saving money while married and consider other sources of financial support.

Emergency Fund

You need a source of money that is independent of your marital bank account. It could be an individual savings account or cash, as long as it is secure and easily accessible. Your savings should come from individual sources of income because taking the money from a joint account will draw suspicion from your spouse. The money could be:

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 Posted on February 14, 2019 in Child Custody

Since 2016, Illinois has used the term “allocation of parental responsibilities” instead of “child custody.” The name reflects that parenting after a divorce or separation is a shared responsibility, not just a determination of who gets to keep the kids. Each parent must fulfill his or her assigned responsibilities when the children are with him or her. If one parent is incapable or unwilling to assume those responsibilities, then a court may give sole responsibility to the other parent.

Caretaking Functions

Illinois’ Marriage and Dissolution of Marriage Act has a list of parental responsibilities, which it calls “caretaking functions.” There are eight functions that parents are expected to provide for their children during their parenting time:

1. Attending to a child’s nutrition, health, safety, and hygiene;

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 Posted on February 11, 2019 in Divorce

Teachers have a lower divorce rate as compared to other professions, but those who do get divorced face unique challenges. As a teacher, your primary concern is usually for your students. Your caregiving nature likely extends to your home life, as a spouse and parent. During your divorce, you may be focusing on your own needs more than you are accustomed to doing. It is important to take care of yourself during your divorce and plan how you will balance your teaching career with your personal needs.

Taking Time Off

Most divorcees use occasional personal days in order to attend meetings or court hearings. Teachers must also be aware of their emotional state and how it may affect their students:

• You must be able to make it through the school day without emotionally breaking down in front of your students; and
• Being distracted by your divorce may make you less attentive as a teacher.

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 Posted on January 17, 2019 in Property Division

It can be difficult to continue to make house mortgage payments on your own after your divorce. However, you may be able to keep your marital home for the foreseeable future if you are able to get a reverse mortgage on your house. Reverse mortgages are available to people who are at least 62 years old and have a large amount of equity in their home – usually at least 50 percent. You use the money you receive from a reverse mortgage to pay off the remainder of what you owe on your home mortgage, with the surplus available for other expenses. Gray divorcees should consider whether a reverse mortgage could help them during the division of property, though there are risks.

How It Works

Assuming that you qualify, you can apply for a reverse mortgage – also known as a Home Equity Conversion Mortgage – with lenders who specialize in this type of loan. The amount of money that you can borrow will increase in conjunction with your age and the value of the property. With a reverse mortgage, you no longer make mortgage payments on your home or payments on the loan as long as you remain in the house. The loan and interest are due when:

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