Emotional And Legal Stages Of Divorce

My most recent clients were two divorce cases. While you can guess, this is not my favorite part of the business I manage, but it is rewarding itself understanding the process. Helping my clients through their challenging times in life is always rewarding.  If you find yourself in a situation of legal separation or divorce, I can help you with both emotional and legal stages of your divorce.

The 6 Emotional Stages of a Divorce

  1. Denial. This is not happening to me and we can still get back together
  2. Shock. You realize how much time you invested in your marriage and family and at times you act irrationally. Friends and coworkers have hard time understanding you.
  3. Contrasting Emotions. You struggle with hope replaced by despair and all you can think about is your failed marriage.
  4. Bargaining.  You are still hopeful that your marriage will work out. You are willing to do anything to change yourself and just make things work. Bargaining only delays the harsh reality of divorce
  5. Letting go. You stop blaming your spouse and you realize your own mistakes. You can finally let go and move on.
  6. Acceptance. The negative emotions finally stop. You feel that you are finally fit to lead a life that is filled with happiness and satisfaction. This stage will accompany a time period of growth.

The 4 Legal Stages Of Non-Contested Divorce

  1. Filing the Petition.One party files Petition and other court required paperwork.
  2. Service of the papers. Petition, Summons and other paperwork are served to another party. There are several ways to do this, depending on your situation.
  3. Other Party response time. Another party files Response or does not respond. There is a wait period that you have to adhere.
  4. Ending your marriage. Consent decree or Default completes the process, depending on your situation.


What Happens When You Don’t Have A Will

Lately, there’s been much discussion about essential and non-essential services. With my clients I discuss several essential, must have documents. One of them is your Last Will & Testament. So what really happens when somebody dies without a will?

If you die without a will, it means you have died “intestate.” When this happens, the intestacy laws of the state where you reside will determine how your property is distributed upon your death. This includes any bank accounts, securities, real estate, and other assets you own at the time of death.

How does this affect your loved one and anything you cared about?

Your estate is not protected and is often opened to creditors. The process is delayed for months until the executor gets assigned. You loved ones will be getting anything that is left, if there are creditors and unpaid bills. It can take many months to close the estate.

I can help you create this important documents that meets all Arizona laws requirements the same day when we meet, at affordable price.

How To Recognize Financial Scams

Top Financial Scams:

  • Health Care/Medicare/Health Insurance
  • FraudCounterfeit Prescription Drugs
  • Funeral & Cemetery Scams
  • Fraudulent Anti-Aging Products
  • Telemarketing
  • Internet Fraud
  • Investment Schemes
  • Homeowner Reverse Mortgage Scams
  • Sweepstakes & Lottery Scams
  • The Grandparent Scam

Usual Suspects:

Strangers preying on older people who may be isolated, lonely, confused, or

desperate for attention.
Family members to whom the person wants to stay connected.

Caregivers (family and other) who use fear or guilt to take advantage of a senior.

Protect Yourself:

Be aware that you’re at risk from strangers—and from those closest to you

Do not isolate yourself—stay involved!

Always tell solicitors: “I never buy from (or give to) anyone who calls or visits me unannounced. Send me something in writing.

”Shred all receipts with your credit card number

Sign up for the “Do Not Call” list (1-888-382-1222) and take yourself off multiple mailing lists

Use direct deposit for benefit checks

Never give your credit card, banking, Social Security, Medicare, or other personal information over the phone unless you initiated the call

Be skeptical of all unsolicited offers, work with trusted legal services and have all your documents in order.

Contact me for help!

The Importance of Change

I won’t agree with that statement entirely. I find truth, love, friendship to be constant as well. Though people change, there are some constant in life that will remain. 

While change is inevitable and it will occur whether we want it or not, the importance of change is valuable in all ares of life, personal, professional, academic. Some of the changes are driven by circumstance that are out of our control. For example, if we are fallen ill, or we lost our jobs, our life is taking a sudden turn and change is immediate. This part wasn’t in our control, however we are in control of how we handle those circumstances. 

Change is scary. We often talk about taking the risk and chance, which risk to take and is it worth it. We can’t anticipate something called unforeseeable circumstances. Then why not just sit idle and let the universe take us where we need to go. True that, I often say myself that universe has it’s   own way of getting things as they need to be. That, of course, it’s a figurative speech. 

What is that we truly gain with change? We grow personally. We improve our life, we gain flexibility and we become stronger. Progress without change is impossible. The stronger is our resistance to change, he fewer are our opportunities. Every change brings new beginnings. We close one chapter and open another. We learn to live. We learn the value of life. 

How To Become Financially Independent And Start To Love Your Bank Accounts

Are you struggling with your finances? Are you living paycheck to paycheck? 

You are not alone. As many as 60% of Americans are doing the same. Many of my clients are reaching out with ever so dreadful need to file bankruptcy. That, of course, should always be your last resort. 

However, with some practice in place, you can become financially independent and reach your dream of a complete financial freedom, the dream of being debt free.

  1. Visualize first, then plan.Anyone’s vision of financial independence can probably use a reality check. The path to financial independence may be considerably different at age 20 than it is at age 50
  2. Budget. You need to track down all your expenses and your income. If you don’t use spreadsheets and computers, use paper and pen. Measure your income and subtract expenses. This step is essential. 
  3. Spend less than you earn.If you rely on credit cards, you are not doing a good job. Pay those balances off every month. A rule of thumb is to put 10-15% of your income into savings or investment every month 
  4. Build smarter safety nets. Emergency savings are important. However, have you paid attention to your insurance deductible? Is it too high because you want to keep your premium low? If so, would you be able to pay your deductible. 
  5. Eliminate debt.This goes without saying. Non-housing revolving debts should go first, They are the major cause of financial crisis. 
  6. Consider your career.You are going to make changes as your goals in life change and as you are getting older. 
  7. Downsize.How much do you really need? Is it what you really use to make your life more pleasurable. Sell what cost you more to keep than yo enjoy. 
  8. Invest frugally.Always and only buy assets that generate income. Do your research. 

At all times, stay connected to your financial situation and know where you are. Even if that’s not where you want to be. Emotions aside, finances are business. Businesses can hit a rough patch. You are the CEO of your own finances. 

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