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Considering Divorce and Bankruptcy?

Why talk about Bankruptcy?

Divorce mediation is a process for parties to formulate their own agreements.   Sometimes divorce discussions include consideration of bankruptcy filings by one or both parties.  Divorce and bankruptcy may occur at the same time.

When appropriate,  the parties may consult with a bankruptcy attorney.  Parker Mediation makes referrals if parties are facing foreclosure on a home or have overwhelming debts.   Coordinating your divorce and bankruptcy may save you money and help you make a better financial plan.

Divorce and bankruptcy may occur at the same time.  Properly planning for both will reduce hardship for all involved.  Parker Mediation helps you gather the information you need to make informed decisions.

We want you to explore all of your options.  Sometimes Bankruptcy is the best solution and we want you to know what to expect if you find yourself in Bankruptcy Court.

Divorce mediation covers all the topics you need to address in order to obtain a divorce in Massachusetts.  Child support, spousal support, health insurance, division of property and division of marital debt are essential topics that must be resolved.   In addition, Parker Mediation provides additional supports, including bankruptcy resources, to help folks that are divorcing plan a brighter financial future.

If you have questions about divorce, call us today 508.795.0200.  We want to help you.

Thinking about divorce? Ask an experienced Worcester Divorce Attorney if divorce mediation is right for you.

If you made it through the holidays thinking “never again” you may be ready to divorce. Think before you act. You could initiate an expensive, litigious and stressful process or you could consider divorce mediation.

You fell in love, got married, and maybe you had kids. Getting divorced may not be easy, but why make it harder or more expensive than it has to be.

Try mediation before going to court.

Divorce Mediation can be faster, cheaper and less stressful than traditional representation. The cost to divorce with attorneys and multiple court appearances can become enormous.

You have nothing to lose by using mediation; it’s simpler, quicker and makes better outcomes. You stay in control of the divorce mediation, it’s confidential and private.

Mediation involves the use of an independent, qualified and neutral third party to help couples talk through how they will divide their assets and decide what to do with their children.

Each New Year many couples decide to separate.  The stressful holidays are behind them and they are ready for a fresh start.

Happy New Year!  Happy new you!

Contact Parker Mediation at 508.795.0200 to learn more about divorce mediation and what we can do for you.

7 Healthy Tips for Divorce

What is on your “Bucket list”?   Did you make a New Year resolution?  Are you having trouble sticking with it?   At Parker Mediation, we know going through a divorce can be difficult.   You are the most important person in your life, so take care of yourself.

Changing living situations may increase stress levels and lead to poor health behaviors.  Take steps to minimize the trauma of divorce and protect your mental and physical health.   Take time for self-care and access health care if physical or mental health issues arise.   Try these simple steps to reduce the likelihood of health decline during divorce.

7 Healthy Tips for Divorce

#1           Keep Moving

If you are serious about staying healthy through your divorce, keep moving.  Keep your activity level high, both at work and at home.  Workouts using cardiovascular and strength training will help you maintain your energy and health.  You will feel good about yourself by making the effort to work out.  Go to the gym, take a walk or run, ride your bike or throw some weights around.    If you do not have the time, park further away from the door and take the stairs instead of the elevator.  Run around with your kids, anything to keep moving.

#2           Eat Healthy

Eat healthy foods to feel good.  Divorce can be an emotional time and one way to pack on unwanted pounds is to give in to emotional eating.  Keep these three things in mind: first, think about what you are eating and why you are eating it; second, indulge in a little dark chocolate, but eat smaller portions and avoid junk foods; and third, eat a balanced diet containing whole grains, lean meats and loads of fruits and veggies.

#3           Get Out and Play

Do not spend hours watching the television; get out and play.

#4           Keep it Simple

Your life is a little complicated during divorce, so simplify your life starting with the food you eat.  Pick out your favorite types of healthy food and stock up.  You will satisfy your appetite and avoid temptations.

#5           Pay Attention

Pamper yourself and be aware that what you are going through is temporary.  Keep track of your emotions, eating habits, and your weight.   If you are gaining weight, reduce your calorie intake and increase your exercise.

#6           Stay on Track

If you slip up and overeat or become a couch potato for a day, it’s ok.   Just do not give in to old habits too long.   Begin again each day with intention to maintain a healthy lifestyle.

#7           Reinvent Yourself

Divorce is a transition period.  The opportunity to reinvent yourself is now.    Change your habits and change yourself.   You can do this!

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Massachusetts Child Support Guidelines

New Massachusetts child support guidelines went into effect January 1, 2009. The changes to the child support guidelines are intended to simplify the support obligations of both parents. The rationale for the new guidelines was based upon societal changes that recognize the participation of both parents in their children’s lives. The guidelines are meant to benefit the children and families, particularly assisting as parents reorganize their relationships and finances.

The Massachusetts child support guidelines provide a calculated child support order based upon the income of both parents, and in consideration that both parents support their children. The calculated figure provides guidelines for cases establishing or modifying child support. There is a rebuttable presumption that the amount applies, but judges do retain the authority to exercise judicial discretion in making child support orders.

Several principles apply in determining child support in Massachusetts. The guidelines are designed to maintain the standard of living for the child, encourage joint parental responsibility for the children, recognize non-monetary contributions and involvement of both parents, and to ensure health care coverage for the children.

Parenting time is precious; children should enjoy the maximum parenting time possible with both parents. The new guidelines are based upon the children spending approximately 2/3 of the time with one parent (Recipient) and 1/3 of the time with the other parent (payor). When there is approximately equal parenting time the child support guidelines can be used twice to calculate whether there should be a child support order. This requires the guidelines to be calculated a second time reversing the roles of recipient and payor. Calculating the difference between the two figures yields the child support amount.

The guidelines are intended to consider reasonable child care costs and the costs for health insurance, including dental and vision insurance. The recipient is responsible for the first $250.00 of routine uninsured medical and dental expenses, and uninsured expenses above that amount are shared by the parties. Other child related expenses may by allocated to the parties on a case-by-case basis, including extra curricular activities, such as dance, sports or music lessons, private school tuition, summer camps, and post-secondary education.

The new Massachusetts child support guidelines recognize that circumstances may change and incorporates the authority to review the guidelines every three years, or sooner if there is a material change in circumstance. The new child support guidelines provide a presumptive application of the child support calculated using the new formula, but deviations from the guideline may be made by agreement of the parties approved by the court. For parents engaged in mediation, this means that you are in control of how you wish to support your children post divorce or separation.

The family and divorce mediators in the Worcester, MA office of Parker Mediation serve the Central Massachusetts and Boston metro-west communities such as Clinton, Framingham, Fitchburg, Leominster, Marlborough, Millbury, Shrewsbury, Sutton, Westborough and Worcester, Massachusetts.