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Money doesn’t grow on trees!

Facing divorce? Organize your finances.
Gaining control over your money and your spending is critical when contemplating divorce. If your marriage is ending, gather financial documents to help you evaluate your assets, liabilities and expenses. You’ll want to understand the financial position you’re in. It is tax time, so making copies of the documents you use to file your taxes is a good start. Money doesn’t grow on trees, but conserving dollars will make a big difference during the divorce transition.
Planning ahead will also make things a lot easier when you fill out your Rule 401 financial statement.  Depending on how much you earn, you will fill out the short form or the long form financial statement .  The Rule 401 financial statement must be filed with court in divorce cases.
Your case manager and divorce mediator will help you complete the Rule 401 financial statement properly, no worries, we’ve got your back.
If you have questions about divorce mediation or filling out financial statements, call 508-795-0200.

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.

Modifying Mortgage Loans

Part of the divorce mediation process includes assessing and re-organizing your finances.   Each asset and liability is considered in the division of marital property.   Unfortunately, in the current housing market, the family home, which was once an asset, may now be a liability.  Determining what to do with the marital home and the associated loan and mortgage can be challenging.    Mediators guide couples to explore the possibilities.  

Many homeowners are eligible for the Home Affordable Modification Program (HAMP) that began in 2009.  Under HAMP, some borrowers can save their homes by permitting qualified borrowers to re-write their mortgages to reduce the interest rate and monthly loan payment.  This helps people avoid foreclosure.   The program initially gives temporary relief, during which time the borrower makes reduced payments.  If the borrower is successful in making the payments during the temporary period, then the Bank will provide a permanent modification.  [Read more...]

Divorcing Couples Manage Debt

Divorcing couples have to make tough financial decisions, not only about how to divide assets, but how to allocate debt. Depreciating real estate values along with the current financial landscape, pose even greater challenges for folks who are separating, particularly when the marital home, once the base of financial security, becomes a liability. Rest assured you are not alone, many folks find themselves in the unfortunate situation of owing more on their home than it’s worth. For some, this is not a problem, but for divorcing couples who want to sell or refinance, it’s complicated. Money Management International hosts a website (www.moneymanagement.org) containing many ideas you can use to reduce spending and manage debt.

Money Management International, formerly Consumer Credit Counseling, is a non-profit organization that has been in business for many years. This service is free. They offer confidential budget, credit and housing counseling. Financial consultants work with you to consolidate and reduce your monthly debt. Their website and services are accessible in English and Spanish. Personal advisors can be reached by calling 1-888-845-5669. Beware of businesses that promise to reduce your debt or make settlement on your behalf that charge for their services. While some of these businesses are legitimate, many are not. It may be a good idea to check with the Better Business Bureau before you spend money on service providers that make promises that are too good to be true!

[Read more...]