T.R | Title | User | Personal Name | Date | Lines |
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60.1 | Call a Lawyer NOW... | MKOTS3::LENNON | | Mon Jan 17 1994 13:37 | 22 |
| WOW!!!!!
If I were *you*, I would run not walk to the nearest lawyer. Your
situation sounds awful and my question to you is: Why are you
putting up with it???
I would suggest that you first talk to a lawyer (a person that you
trust), go in prepared with a list of questions and follow his/her
advice. If it benefits you to stay in the house with your child then
do that, just get him out. He sounds real sick and very nasty. It
doesn't (but it should) surprise me that he's a police officer.
If he isn't "playing around" then he's one hell of an actor.
I'm sorry that you are going through all this. You and your daughter
deserve better.
I suspect that it's going to get rough for you but hang in there and
stay STRONG...
JL
|
60.2 | Your first stop is a counselor, not a lawyer | LEDS::BRAUN | Rich Braun | Mon Jan 17 1994 15:15 | 13 |
| Before taking the 'easy way out', and seek a divorce, I'd say you
should try making this relationship work one way or the other. It may
*not* work, but until the issues have been confronted in a
non-threatening way, there isn't a chance for it to work. There might
be some way to get your husband to reassess his behavior and find out
why he's being a jerk.
Divorce isn't easy.
-rich
Mass Storage Engineering OEM D&SG SHR1-3/O13 DTN: 237-2124
Work: [email protected] 508-841-2124
Home: [email protected]
|
60.3 | Get a plan! | MR4DEC::JONES | | Mon Jan 17 1994 20:08 | 102 |
| You say you are a new mother of a few weeks and have been married 2
years. If the existence of these children were known to you before you
married and they come from two different sources, did it ever occur to
you, since one had to only be 2 when you first married, that there
might be something of a problem here?
The previous note-59 is not that similar in scope. The end
symptom may sound somewhat alike, but the underlying cause
seems to be diffent. Here you have a pattern that should have
been obvious, of movement among people...that
seems to be continuing. It almost seems that the environment
your husband is continuing to move within encourages his behaviour
of being a chaser. The people he is friends with, the places he
works and the company he keeps.
There are lots of questions you have to ask yourslef before
you really can consider destroying a marriage, but, having
thoroughly investigated it, there are sometimes compelling reasons
not to continue...under current unchangeable circumstances. For
example:
What are you like? What did you know about all of this before you
met him. Did you ever meet his friends, did you know about his
former children/ex's and why he was no longer with them? Did
you think you could change him? Did you change and expect him
to change, or did you talk about it and you hoped you would be
able to change him? Did you think having a child would settle him
down?(Obviously previous children have not)
The questions above are not meant to be cruel, only objective.
You have placed a note here and you sound like the victim. I
don't think any of us are prfessionals, but we do care and
it is difficult to understand(at least for me) what all is going
on from just your description and request on how to get a divorce.
It is true from your description that it sure sounds unbearable, but
it is not uncommon for people your ages to try and cling to adolescent
an irresponsible behavior for as long as possible before ever
growing up. Some people never wake up or certainly don't at the
same rate as their partner. It could be that motherhood for you
has solidified your commitment to life, that of your precious child
and your future. He doesn't figure into it right now and you
justifiably want to run. Running has its merits for the moment...there
is a term like "geographic thearpy" that comes to mind which
running or separating accomplishes, but it does not always resolve
your feelings, or the situation.
There are a number of books on subjects realted to what you are going
through. One, is "Love Must Be Tough" by Dr. James Dobson that
asks you, the victim, or certainly the oppressed spouse, not to
show or let on to your spouse that you are reading it. It then
gives several examples of couples that are having problems and
gives some ideas and directions on what to do about it. Although
it will not tell "Your" story, it might come close. The bottom
line is that if your spouse sees no reason to change his behaviour,
i.e. he can do anything-lie, cheat, come home late, etc. and you
are always there, then why should he change. On the other hand,
if you change and he really cares, then he will either reach the
conclusion that he must change to keep you, or he never really
(at the present at least) cared that much. The result may be a
shock for you-i.e. he doesn't really care, he comes crawling back,
crys and gets you to change back and then starts doing it all over,
or wakes up, and goes into some kind of therapy with you. In any
event, it suggests tactics to trigger a crisis that will get you
some kind of answer. Also, in any event, it helps you make a course
of action plan.(If you have access to a Christian bookstore, they
can either order it or may have it.)
Another good book from a really strange source is one by the
well known author of How to Win Friends and Influence People,
Dale Carneige. He wrote another book I discovered called
How to Stop Worring and Begin Living. He states in the first
part of his book that if you do not find a method to get control
of your life by page 44, you should get rid of the book. That
book should be in your local library. Just one jem in that book
is the three step suggestion of 1. Write down what the abosolute
worst thing could be that could happen to you in your present
condition. 2. Create a plan on how to deal with it. 3. Act on the
plan.
While Divorce, legally, can be achieved by following a step by step
process, it can be really difficult for you to get a fair legal
settlement(particularly in this case since there are other women
he probably already owes something to and because courts usually
do not have the time to follow up and make sure every little letter of
the agreement is followed-child support only being one) without
witnesses and money. With a new child, a young marriage, you being
young, I doubt if you have that kind of cash reserve. On the other
hand, you may find, that after exploring everything, it is the only
thing to do. Don't take this lightly.
Do you have pastor/bishop/priest you can talk to? If you work for
Digital, have you contacted the EAP group to talk to a counselor,
etc. etc. I would say you have taken the first steps by asking for
some kind of feedback from this note file. However, you need someone
local that can mentor you confidentially and help you come to grips
with you first. What you want, what is best for you, what you will
and will not accept. Then what is best for the family-realistically.
You have a lot of work ahead, but believe me, there are professionals
and some good books out there-along with friends and supporters that
can help. Keep asking and get a plan together. His irresponsibility
is no match for a plan.
...may we share with your pain and may you find peace for your heart
Jim
|
60.4 | Work it before you break it | MR4DEC::MAHONEY | | Tue Jan 18 1994 12:12 | 29 |
| He is proclaiming quite well who he is, sample:
a man with three children from three different women... who knows how
many more victims will there be?
If I were you I would have thoroughly checked his past, you must have
known of his children BEFORE you married him... it is sad to see the
lack of responsibility he shows, but on the other hand... he does NOT
hide it either. Behaviors in adults seldom change, I don't see a
chance of changing behaviors in this situation.
"I" would demand from him responsibility towards marriage and family with
a very serious and profound conversation.
I would confront him very directly and explain his responsibility to
YOU and to his CHILDREN, the things he does WELL and the things he
SHOULD not do; what you expect from HIM and what he expects from YOU,
and then, after everything is on the table, and have everything fully
discussed and gone over, then, make a decision on what is best for all
of you INCLUDING the children, who in my opinion are always the victims
of whatever decision their parents, court judges, and adults in general
do on their behalf... (kids cannot choose, only take whatever comes their
way, either they like it or not). Kids have a right to grow in a
family, have a right to "belong", to find themselves secure in their
environment, it is the only way to have them grown into adults with
positive self-steem, good self-image and solid foundation to create
families of their own with these same similarities...
dont forget that the kids of today will be the adults of tomorrow,
we, (humanity), deserve the BEST we can get!
|
60.5 | | ELESYS::JASNIEWSKI | Why not ask why? | Wed Jan 19 1994 10:25 | 41 |
|
He sounds like a sex-addict to me. At least what you've written
about him suggests it...especially given that his "favorite phrase" is
"I'm grown and can do what I want to do when I want to".
Apparently, regardless of whatever trails of devestation and
tragedy he leaves behind. And, whatever happens to you! I think the
"pubic lice" incident would have been the cut-off point for me; I
cant imagine a more clear cut *indicator* that by sleeping with this
man, you're essentially playing Russian Roulette with your own life!
There's nothing you can do for him and his choice of behavior.
You do have your own choices around your own wellbeing, both physically
and emotionally. Given what you described, it is my personal feeling
that a *perfectly legitimate* choice for you would be to get yourself
and your child as far away from this person as possible!
Let him go off and be who he is; he'll be "okay" as far as your
responsibility is concerned. I believe your responsibility to yourself
and your child is a *priority* over what happens to him or whatever -
I'm just disagreeing with some of the "oh you can work it out"
replies. To which I say "fat chance" and "good luck" and, not to be
flip, BUT...It's my guess that the only thing that's going to get
someone as you've described to change is for them to realize something
like: "Gee, all my wives left me for some reason...I wonder what is it
about *me* that drove them all off?" or "Gee, now that I'm HIV positive...
I wonder what it is about *me* that thought I could just get away with
having whomever I wanted, whenever I wanted it, regardless of whoever I
hurt, or whatever became of my actions?"
I pray that it doesnt come to that second scenario for him,
although it's certainly in the realm of possibility...you *know* that.
Even to allow yourself to be tied emotionally, physically, financially to
someone who's abusing themselves in that way...is allowing abuse to happen
to *you*. How do you stop that kind of abuse? Simply cut the ties...
Hope this helps you somehow,
Joe
|
60.6 | someone please answer authors question. | JUPITR::LEISER | | Wed Jan 19 1994 10:31 | 20 |
| HI
the Author of Note 60 ask a question on How does one go about getting
a divorce..
I am writing this reply for a friend who has the same questions.
can someone please tell us the steps for a divorce.
also
My friend says that he has heard that there is another way to get a
divorce without using lawyers. something like a modorator (professional
Name ???). any help on that????
plus how long before a divorce goes threw??
thank you
|
60.7 | | DSSDEV::RUST | | Wed Jan 19 1994 10:45 | 24 |
| Re .6: The actual legal requirements vary from state to state, so
advice from someone who doesn't live where you do might not do you much
good. At the least you'd need to state where you live and whether your
divorce will be uncontested or is more complicated.
As for .0, since the issues involve child custody, I'd *strongly*
recommend that the author of .0 get in touch with a lawyer at once.
Steps such as taking the child and leaving without notice can have
unfortunate effects on future custody hearings.
My experience with lawyers is limited (for which I am very thankful!),
but I believe in most places you can get a consultation for a
relatively small fee, perhaps even over the phone; you'd be able to
provide the details of your particular situation, and find out what
steps are required, which are optional but may be recommended in your
case, and how long it's all likely to take.
Again, for divorce cases involving possible custody battles or other
adversarial situations, run, do not walk, to get some legal advice.
While noters' experiences and advice may be helpful, there's no
guarantee that it will exactly match your situation, so you'll have to
talk to someone in the legal system eventually...
-b
|
60.8 | | QUARK::LIONEL | Free advice is worth every cent | Wed Jan 19 1994 10:50 | 28 |
| The actual details differ depending on where you live, so the advice to
see a lawyer (preferably one who is familiar with what is called "family law")
is the best. If the two of you are agreed on all details, have no children
and have few assets, the lawyer's involvement can be minimal, but see one
anyway. The initial consultation is usually free (but ask in advance.)
The steps usually followed are these:
One of the parties files for divorce.
Lawyer writes up the request, including requests for
temporary custody, expenses, etc. and files it with
the county.
The Sherrif's office "serves" the other party with the
papers.
The couple (with their lawyers; each should have one) come up
with an agreement regarding custody, asset division, etc.
This agreement (called a "stipulation") is filed with the court;
if it looks reasonable, the court will issue a divorce decree.
The decree may not become "final" for some period, which varies
from state to state.
This assumes an uncontested divorce with no arguments about custody,
assets, etc. If there are arguments, it gets more complicated.
A mediator can be used to negotiate differences between the couple, but this
does not eliminate the need for a lawyer.
Steve
|
60.9 | Long haul | LEDS::BRAUN | Rich Braun | Wed Jan 19 1994 10:52 | 13 |
| Re: the question about how long it takes.
My own parents' divorce took all their mental energies from October
1974 through summer 1976.
Prepare yourself for at least a year, as much as three years, of
fighting and recriminations. (Harsh truth, I know, and I'm sorry
the situation seems to have comedown to this.)
-rich
Mass Storage Engineering OEM D&SG SHR1-3/O13 DTN: 237-2124
Work: [email protected] 508-841-2124
Home: [email protected]
|
60.10 | | QUARK::LIONEL | Free advice is worth every cent | Wed Jan 19 1994 11:01 | 5 |
| It took me six months, and most of that was taken up with ironing out
details of the final stipulation. It could have been shorter. This was
in New Hampshire.
Steve
|
60.11 | Consult a lawyer | EVMS::MARION | I used to be Karen Barth | Wed Jan 19 1994 11:02 | 16 |
| I'm recently divorced and I used mediation (in New Hampshire), but
everything I've read said that if there are children involved you
need to get legal advice from a lawyer. I have no children and
we managed to complete our divorce fairly with only one lawyer who
read and wrote up our final agreement. You definately need a
lawyer who can help you decide what's in the best interests of you
and your child. Mediation might be a partial option for you, (I'm
not sure) but it only works if the two of you are able to sit and
discuss the situation together. The mediators I used will not talk
with one member of a couple. They insist on meeting the two together
and that everything be done with the other's knowledge and consent.
Good luck. Whatever happens it won't be easy, so please take care
of yourself and allow friends and family to help you through it.
Karen.
|
60.12 | more info needed. | JUPITR::LEISER | | Wed Jan 19 1994 11:15 | 23 |
|
from author of reply .6
Sorry I did not put all the information.
My friend lives in Mass, no children, there is a house co-owned by
husband and wife. they want to split everything 50-50(including bills).
Can someone tell us more about MEDIATION...
I heard Mediation saves a lot of money. can someone tell us about how
much you save..(half,quarter)
Around how much will a lawyer cost in this case?.
how much money does a lawyer need up front???
how much does a mediator need up front?
so far my friend and his wife want the divorce to go as smoothly as
possible.
thanks
|
60.13 | | QUARK::LIONEL | Free advice is worth every cent | Wed Jan 19 1994 11:54 | 9 |
| A mediator will only save money if the alternative is using a lawyer to
go back and forth over disagreements. If there are no disagreements, then
a mediator isn't needed and doesn't save money.
An uncontested divorce can cost under $500. Ask the lawyers you speak with
what their fees are and how they expect payment. Some sort of initial
retainer is usually expected.
Steve
|
60.14 | it can be done! | TOLKIN::DUMART | | Tue Feb 01 1994 08:41 | 22 |
| I live in Massachusetts and my exhusband and I got a divorce about 14
years ago using ONE lawyer. We had a house and child too. It certainly
can be done. We had to have a child support/care agreement plus a
financial agreement settled before we went to court. It cost us under
$500 dollars (I think it was as low as $250). Basically it has worked
out for all.....some minor glitches....but on the whole OK. The best
part about it is the fact that my son has told me he has never felt
like most other kids that have gone through a divorce. He thought it
was 'normal' to have mom live in one place and dad in another. He has
a strong relationship with us both. I'm not going to say that
everything was clear sailing......obviously if you're getting a
divorce there are problems......but if you and your spouse can keep
it on a non confrontational level you can certainly negotiate your
own divorce. I am still friends with my exhusband today. My son....
who is almost 18... continues to travel back and forth between his two
homes willingly. His father remarried a few years back and my son
now has a brother who he adores and who adores him. Some states have
'do it yourself' divorces....check with your local government. I
personally would recommend that path. I think when you get two lawyers
involved you're in trouble.
Good luck to you.
|
60.15 | Let it be easy... | MR4DEC::MAHONEY | | Thu Feb 03 1994 10:40 | 31 |
| I have seen the messiest divorce ever... and that involved two lawyers,
representing the parties...The couple had a beautiful home appraised in
close to 450,000, and three children out of college with the exception
of the joungest. They also had some properties in an island... well,
the husband is penniless, the wife is struggling to pay the mortgage
and some debts that the husband incurred in (he created his own company
after taking an early retirement... and lost everything he put into
it). The house cannot be sold till the divorse is final so she has to
keep on paying the bills, and both lawyers keep on fighting with each
other and having hearings to get what to whom... after almost a year,
she got the house (with all debts), and half a property in the island,
she owes her layer almost $80,000 so she has to sell the house, deduct
the leans on it, pay the lawyer... and end up almost destitute!
The layer is $80,000 richer; the parties don't talk to each other;
the children don't want to see their father, are bitter with both, and
they must strugle to keep on with life... that's the end of a nice
looking family, a marriage of 32 years...
If a divorce is unavoidable... I would go to any length to make it the
most amiable or easy as could be possible.
(My own thoughts after this is... if "ever" should happen to me I would
just take my clothes, say good bye and go back home. I would have NOTHING
to do with money...have IT ALL!. I would think...if I started in life
with nothing, and built whatever we could, together, and if there is an
end... it would be also with nothing. I don't think I would ever FIGHT and
antagonize my family, and loose them, not for all the MONEY in the world).
I have seen too many families destroyed for money and to me, it is not
worth it.
|
60.16 | If it were only that easy... | AIMHI::TINIUS | It's always something. | Thu Feb 03 1994 12:43 | 21 |
| Re .15:
> (My own thoughts after this is... if "ever" should happen to me I would
> just take my clothes, say good bye and go back home. I would have NOTHING
> to do with money...have IT ALL!. I would think...if I started in life
> with nothing, and built whatever we could, together, and if there is an
> end... it would be also with nothing. I don't think I would ever FIGHT and
> antagonize my family, and loose them, not for all the MONEY in the world).
>
> I have seen too many families destroyed for money and to me, it is not
> worth it.
Unfortunately, in most divorces in the US, at least one of the spouses,
generally the husband, does not have the option of simply "tak[ing] my clothes,
say[ing] good bye and go[ing] back home".
Even if he or she didn't care about losing some or all present assets,
he or she can end up with substantial and often unbearable future obligations
in a process which has precious little to do with fairness, equity or justice.
-stephen
|
60.17 | try a "do it yourself" divorce | MARCM3::TLOTTUM | SYS-F-UNIV% REALITY.SYS Corrupted-Reboot?(Y/N/Q) | Fri Feb 04 1994 08:21 | 16 |
| There are no winners in a divorce...usually one party
is stuck with debts and usually one party is trying to draw
blood from a stone....very few marriages end somewhat friendly.
If you really feel you want to go through with a divorce, try
to settle outside court first or try to settle with the help
of just one lawyer for both parties. Two seperate lawyers CAN
slow down things...not necessarely but it can happen...
miscommunication, one of the two lawyers is always either in
court or on vacation...it can be tough getting things done
this way....I know of such a case where both parties were
willing to settle, where in the beginning of the procedure
things could have been settled without much hassle but the
two lawyers just didnt seem to get their act together...this
not so complicated divorce is dragging for over a year now...
TJ
|
60.18 | Ask ref librarian | GLITTR::GLIDEWELL | Wow! It's The Abyss! | Mon Feb 14 1994 20:36 | 19 |
| .0
> ... custody of his 4 year old daughter. Her mother (different from his
> son) was trying to get support from my husband
A lot of public libraries have "pamphlet files" where the
librarians keep pamphlets and other info covered state and local law.
Since divorce is regulatd by state law, it might be worthwhile to
ask the reference librarian at the local public library about such
literature.
> just leave and take my daughter without telling him where I am?
Some lawyers (and perhaps state law) could describe this as
desertion on your part. You would probably be best off talking to a
lawyet before you said *anything* to your husband. Since he has not
supported his first daugter, there is no reason to think he would
be anything but utterly dreadful to you and your baby.
Best of luck.
|
60.19 | Divorce Defense for Men | PASTA::MENNE | | Mon Feb 21 1994 12:19 | 7 |
| If there are any men in here who have been screwed by divorce, and
would like to offer advice, please send me mail. I live in Mass
and I know I'll get screwed, which is something I'm not willing to
accept.
Thanks,
Mike
|
60.20 | | QUARK::LIONEL | Free advice is worth every cent | Mon Feb 21 1994 12:58 | 11 |
| Re: .19
Wouldn't you be better off looking for advice from men who DIDN'T get screwed
in their divorce?
Circumstances vary tremendously, but it seems to me that adopting an
initial hostile attitude is a good way to guarantee getting screwed. Stick
up for what you believe in, but avoid waging war and remember that you'll
be dealing with the after-effects for the rest of your life.
Steve
|
60.21 | | QUARK::LIONEL | Free advice is worth every cent | Mon Feb 21 1994 13:01 | 3 |
| See also note 6 in QUARK::MENNOTES.
Steve
|
60.22 | Married in CT, live in MA | EVMS::KRIVERS | | Wed Feb 23 1994 10:12 | 30 |
| My husband and I were married in Connecticut -- I now live in Mass
(have for about six months), he still lives in CT.
I expect to file for divorce soon, the main thing that is stopping me
is money (the around $500 bucks is what I expected -- I assume this is
for thekit and kaboodle, not per lawyer? ie, I pay $500 and he pays
$500?). We have no kids, no property, we divvied everything up when we
took our leave of each other. As he made very little money and I made
the vast majority of money, I've also paid off most of his bills and am
stuck with the bulk of remainder, which was carried over from before we
were married. Bills, houses, cars, etc, are not an issue. I just
want, to put not too fine a point on it, to be rid of the legalities of
marriage and get it over with. The less I have to interact with my
husband, the better for me, emotionally and otherwise. I fully expect
that he will not contest the divorce and since everything is settled up
already (save for me carrying him on my health insurance), there's
really nothing but the paperwork.
My questing: Since I was married in CT, do I have to get a divorce in
CT? Does that mean I have to go get a lawyer down there? I'd rather
not, since that's a good 80 miles from my house. Can I get a lawyer up
here and have them do whatever needs to be done without me running
hither and yon? I guess, if the court needs to bang a gavel or
something, I'd have to show up for that, but boy, if there's a way to
do this in a relatively painless fashion, I'd love to hear about it.
Thanks,
kim
|
60.23 | more divorce questions. | JUPITR::LEISER | | Wed Feb 23 1994 10:33 | 23 |
|
Hi
The replies on this topic have been very helpful.
I have a few more questions.
In my divorce the House will be given to the wife. My qusetion is that
if the house is signed over to my wife threw the paperwork that the
lawyer make out, what happenes with the morgage company. both our
names are on the morgage. even if my wife has the house legally, what
happenes if she falls behind on the payments, will I get bad credit
because my name is on the morgage.
Same with the Car, she will get the car but my name is on the loan.
I bought the car before we got married.
what about if she sells the house and my name in on the morgage?
We both wanted to use the same lawyer but we were told by a number
of lawyers that we cannot because of conflict of interest.
thanks
|
60.24 | | JUPITR::KAGNO | | Wed Feb 23 1994 12:39 | 16 |
| Re: .23. I was in a similar situation regarding owning a piece of
property with both names on the mortgage. From your description, it
sounds as though you are signing your interest in the property over to
her, but that does not remove your name from the mortgage as far as the
bank is concerned. If she defaults on payments, you are still half
responsible according to the bank. I believe the benefit of signing
over the deed(?) is that if she fails to meet her share of the
signed agreement, you can then turn around and sue her when the bank
comes after you for payment.
The best way to make her fully responsible is to re-write the loan and
remove your name. In our case, were we to pursue that avenue, it meant
starting from scratch...paying off the old mortgage (big loss) and
closing all over again on a new loan.
|
60.25 | | JUPITR::KAGNO | | Wed Feb 23 1994 12:49 | 10 |
| One more thing...
If you sign over to her and she sells the house, she takes all profit
assuming there is one, or assumes responsibility for all losses if that
is the case.
Any loan that is in your name, you are responsible for financially.
Any payment your wife defaults on while your name is on the loan will
ultimately mess up your credit.
|
60.26 | | QUARK::LIONEL | Free advice is worth every cent | Wed Feb 23 1994 12:58 | 9 |
| Re: .22
Kim, it doesn't matter where you were married. You can file for divorce
wherever you live now. In your situation, it may be very inexpensive (perhaps
$500 for the both of you). Consult a lawyer immediately; the first visit
is usually free.
Steve
|
60.27 | | EVMS::KRIVERS | | Wed Feb 23 1994 13:09 | 9 |
| Thanks, Steve. That's kinda what I was hoping for, being able to file
no matter where (I was wondering what happens when people who marry in,
say, Utah, move to Florida and want to get a divorce. I didn't think
they'd have to go back to Utah....)
cheers,
kim
|
60.28 | | QUARK::LIONEL | Free advice is worth every cent | Wed Feb 23 1994 14:43 | 6 |
| Of course, there are sometimes arguments about where to file when, as is
your case, the husband and wife live in different states. (A celebrated
recent case was the Burt and Loni divorce; Loni wanted to file in Florida,
Burt in California (or was it the other way around?))
Steve
|
60.29 | | NOVA::FISHER | Yes, I would drive 1000 miles to ride a bike | Thu Feb 24 1994 07:48 | 13 |
| Heck, take a vacation in Mexico and get a Mexican divorce. :-)
Actually it might be fun but not quite recognized everywhere
so you'd better not.
Re the Mortgage question: AS long as the mortgage exists, it
shows up on your credit sheet as a potential liability and will
be taken into account whenever you apply for a loan. That's
especially bad if you want another mortgage somewhere. I lucked
out when she refinanced to get a lower rate than the 9 1/4% on
the old mortgage. Ditto for the car loan except it's likely to get
paid off sooner.
ed
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60.30 | Be organized | MR4DEC::JONES | | Sun Feb 27 1994 15:50 | 40 |
| The lawyer costs can be minimized of you have a plan. Call the Mass
Bar Association for a referral for someone in your area. They will
give you one or two within a driving distance that will give a free 1/2
hour referral. Usually during that time, if you have your questions
organized and you have announced the purpose for your visit and the
fact of getting their name from the Bar Association, they can fix some
relatively simple guidelines for you.
The things that cost money are the preparations, phone calls,
etc. One of you should have a lawyer draw up some papers, like
rewriting the deed in whoever's name. You then can take that
assignment of deed(usually for $1.00) to a notary for signatures of you
and your spouse, and then drive it into the Registry of Deeds,
yourself, and file it for the $25. filing fee. That takes care of the
deed reassignment. The names off the mortgage you can work with the
bank.(It may constitute a couple of things if the land is on a separate
deal than the structure, but they are usually on the same deed.)
Each step and each phone call and each review by the lawyer costs, so
whatever you can do yourself, saves.
As to the the other set up costs, the trick is to have a fairly well
agreed upon settlement that can be entered into a canned on line
program that most good lawyers have.(Ask yours over the phone, before
you go in for your free consult if they do Divorce cases and if they
have the standard stuff on line.) To enter your details makes it
shorter and less expensive.
If there is no contesting the details, then it is fairly straight
forward, but ask for a ball park. They can be "into it" and talk,
talk, talk, etc, and you will find that your projected $500 easily
exceeds $1000-2000.
Not a nice thing to go through, Kim, but it sounds like you have got
your head together, have agreement from him as to what you want to do
and have the details pretty well mapped out.
Good Luck,
Jim
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