Divorce or Not Divorce, That is the Question

Steve Watt & Sandra Vanderhyde

Divorce creates a massive amount of emotion, stress and psychological  strain including the infighting as each party attempts to receive a settlement or a court judgment in their favor. There are instances when one or both parties involved would dare to intentionally hurt the other party. While all the infighting, disputing, quarreling or bickering are going on, jobs of both parties will surfer and their source of income may even be impaired in the process. If children are involved, the whole process may turn chaotic or messier over the issue of child custody and alimony. Experienced Grand Rapids divorce attorneys know that the reason most divorce proceedings drag on in court for so long even for years is because one or both parties chose to remain adamant on issues that are at best self-destructive irrespective of the reasons being adduced.

Why you should seek the advice of experienced Grand Rapids divorce attorneys before you file for divorce: If you are bent on ending your marriage or the question of whether to divorce or not divorce start to plague your mind; your best option is to seek legal advice from competent attorneys Grand Rapids or a counselor prior to filing for traditional legal divorce. Though staying in a strained marriage may at best be difficult for you but getting a divorce is also rather painful for you and your spouse since a legal divorce may cost you a fortune if you are not properly guided prior the commencement of the entire process.

Also, you should be mindful of the fact that when a marriage gets so battered or damaged to the point it crash landed in a legal divorce court through the traditional way, it will be too difficult to get your ex-spouse to work together with you for the future of your children even after the marriage has been dissolved legally by the family court and you have possibly gotten what you were looking to get from your ex-spouse. But your goal should be how to part with your spouse without the bitterness and the hatred that usually accompany traditional divorce proceedings which is needful and beneficial to you and your spouse.

Seeking legal counsels prior to filing for divorce can save your marriage or give you the mental strength you need to tune on your recovery mode or mental state of mind and focus on your future better should your spouse insist on going ahead with the divorce proceedings. You will also be able to stay positive and reflect more while drawing strength from lessons learnt which will help you to forge on with building a new self-image or identity for yourself. Since everything happens for a reason, you may find yourself living a healthier, happier and a more fulfilled life just a few months after a divorce.

Your marriage does not have to end in a divorce and if it has, mediation is a better option: Just because your marriage is going through some problems presently does not mean that it has to end in a divorce and if it has to, then you and your spouse do not have to lose all your resources in legal proceedings when mediation is a better, cheaper and a more agreeable legal way of ending a marriage.

Not Paying Child Support is NOT an Option

Steve Watt & Sandra Vanderhyde, Attorney's at Law

If you are looking to obtain a divorce, get ready to confront and choose from two legal procedures for ending a marriage. You are either willing to go through uncontested divorce proceedings or you can choose to go through a contested divorce. If you choose the contested option maybe because you know your spouse has accumulated lots of assets, then you should get ready for a prolonged and long drawn legal tussle in getting your divorce which could even be very frustrating particularly if children are involved in your marriage.

Grand Rapids divorce attorneys notes that the more protracted things become, the more the effects will be evident on your children both psychologically and in the supply of basic necessities for their upkeep. Sometimes the children pick up animosity that exists between their feuding parents often unknowingly depending on their ages and no matter how amicable your divorce issues maybe; your children will forever be affected by your divorce, hence, the advent of child support laws to take care of the right of the child in a marriage torn apart by legally contested divorce.

The facts of child support you must know: Attorneys Grand Rapids traces the history of child support laws back to a couple of hundred years but perfected in 1984 when many amendments to the family laws were enacted to ensure improvements in the powers of child enforcement agencies. With the enormous powers at the disposal of child support enforcement agencies, it is now not an option for you not to pay child support if you are a non-custodial parent. Therefore, when you are ready to file for divorce be prepared for the subject of child support if you have children and how you handle and deal with this subject matter will determine your financial future and the future of your kids.

Unfortunately, child support is the cause of many bankruptcies in the United States as at today.  Once the court has made pronouncements on your need to pay child support, getting out of paying this compulsory amount of money for your child’s upkeep will never happen unless you and your ex agree mutually to share custody and agree on all the details 100% in a divorce mediation process without filing for litigated divorce.

Consequences of non-compliance with your duty to pay child support: If as a non-custodial parent you fail to pay the amount court ordered you to pay regularly for your child’s support, you will automatically wear the society’s badge of a ‘’deadbeat’’ parent and the attendant negative image that goes with it irrespective of whatever reason(s) you may have for non-compliance. Besides, the State can take some steps to make you to comply with your court ordered responsibility of paying child support either by garnishing your wages directly from its source if you had failed to pay for three months and even in worse scenarios, a prison sentence can be enforced on you for non-compliance though this step is only taken in extreme circumstances because further payments will be hampered while the parent who is in breach of the child support laws is in the custody of the State.

Divorce Should Be Your Last Option

Steve Watt & Sandra Vanderhyde, Attorney's at Law

It is obvious that many people jump into divorce and file divorce papers in court too quickly nowadays. Though we all know that difficulties can easily arise when a man and a woman decide to share a life together in marriage stress often build up when these difficulties add up yet when you think or feel the relationship just can’t survive, the first step you need to take should be for you to consider all other options available to you critically before you commence the process of litigated divorce. Attorneys Grand Rapids counsels you to know that while there are a whole lot of reasons a marriage may end in divorce yet it is really not easy to cope with the financial drain and emotional challenges litigated divorce usually bring.

Why you should first consider all other options to litigated divorce: Have you considered all options opened to you? Won’t you stop and take a sincere and honest look at all options that you can explore and save your marriage or at least save yourself from squandering hard earned cash on litigated divorce? Have you done an honest assessment of both sides of your relationship and have you taken steps to seek marriage counseling or are you open to counseling? Generally, divorce is capable of causing financial, emotional, and other issues for you and the greatest issue is related to the emotional trauma your children may go through if they are involved in your marriage.

However, if after you think you have done your best to save your marriage it appears you still need to go ahead with divorce as a last option, Grand Rapids divorce attorneys advices you to take a look at a better option available to you other than getting an expensive divorce through court processes that could be so prolonged which in most instances are due to no faults of both parties to the divorce case.

Mediation and why you should use it as a better alternative to litigated divorce: For marriage relationships that have gone beyond being saved for whatever reasons, there are many types of divorce processes in the US and the type you might go for depends on the specific material facts of your case but it is in mediation that you will find a less expensive legal means of ending your marriage when you have finally decided to seek a legal termination of your marriage. In fact, mediation can save you much financial costs of divorce and help you prepare for the next stage of your life so quickly if divorce becomes inevitable.

Mediation, often called collaborative divorce, involves having a mediator come between you and your spouse to work out a mutually beneficial terms and conditions of your divorce that includes child custody, alimony and other important issues thereby avoiding the costly court processes. If you opt for mediation, attorneys Grand Rapids can assure you that the mediator will only play the role of an unbiased umpire without making any input to the terms and conditions you are looking to reach with your spouse.

 

Divorce with Mediation Can Save Money

Steve Watt & Sandra Vanderhyde

We all know that divorce is not an easy journey. With the limited resources we have at our disposal these days, it is really important to look at the entire process of divorce and what your goals are before you go through a legally court contested divorce which could turn out to be one of the most challenging life experiences you have the option of not going through.

If divorce is a challenge in itself, why should your journey through it be traumatic? If you are looking for a better alternative to a court contested divorce, an alternative that is less expensive and one that can end your marriage legally without the process being messy and costly, Grand Rapids divorce attorneys counsels that you take a look at mediation.

Understanding the whole concept of mediation as cost effective and better alternative to litigated divorce: Mediation is a process where a neutral party called the mediator comes in between you and your spouse to facilitate a mutually agreeable negotiation leading to a more peaceful divorce process without the mediator influencing the key points of your negotiation with your spouse. If you and your spouse have your separate lawyers, they may or may not be present during the process of mediation or negotiation. But once you have reached an agreement with your spouse during this process of negotiation, you may decide to give the final agreement to your Grand Rapids divorce attorneys for review. However, if you and your spouse fail to reach a common settlement through the mediation process, then you are at liberty to choose to use your attorneys Grand Rapids or the mediator for a litigated divorce depending on any agreement you have reached with your spouse previously.

Benefits of using mediation as a better alternative to litigated divorce: From professional point of view, attorneys Grand Rapids can assure you that mediation will help you save the greater part of the financial costs of litigated divorce and also help you prepare for the next stage of your life faster. The process of using mediation to end a marriage is less adversarial and it also saves time. The entire process of using a mediator to end a marriage is totally confidential and it is based on settling disputes though you are parting with your spouse but you are parting without mudslinging, bitter outbursts, and placing the blame on one spouse. From professional experiences, Grand Rapids divorce attorneys can say that where spouses work together towards a mutually benefiting agreement for ending a marriage, the chances of complying with such agreement and future cooperation particularly where children are involved in the marriage has always been better.

In fact, mediation benefits children a lot. Firstly, mediation teaches them on the importance of working together with people even if there is no common agreement with one another. If children are involved in your marriage, mediation will teach them about the respect that existed between their mom and dad such that in spite of their differences, they worked together to give their children the best though their marriage was coming to an end.

 

 

 

 

Save Money on Your Divorce with Mediation

Steve Watt & Sandra Vanderhyde

If you are thinking of getting a divorce, attorneys Grand Rapids counsels you to use mediation as a means of ending your marriage.  One of the hardest facts about divorce is its cost and the cost you will pay for divorce if you go through litigation goes beyond emotional and psychological feelings or the unavoidable stress and occasional anger, mudslinging and bitter outbursts that usually accompany such kind of divorce but the hard earned cash you will have to part with in paying the professional fees of Grand Rapids divorce attorneys and other official legal fees separately by you and your spouse.

Mediation will allow you and your spouse to be the only persons who will decide how agreements are reached on issues no matter how difficult such issues are. It will reduce the emotional and financial costs of divorce and it will help you prepare for the next stage of your life rather quickly. Besides, a mediator will assist you and your spouse to diffuse tensions and emotions that usually accompany discussions of critical issues involved in divorce and also help you to reach agreement on issues without conveying their opinions which is not possible if you go through litigated divorce.

However, it is to be noted that divorce is not the same thing as marriage counseling which is aimed at helping you save your marriage but it is a process that guarantees legal divorce without spending a fortune. Although at the preliminary stage of mediation when the mediator states what you and your spouse must do to accomplish a mutual divorce agreement which will not be contested in court, you or your spouse may rethink the idea of divorce and thereafter seek the help of a counselor in order to save your marriage. Here are important facts Grand Rapids divorce attorneys advises you to seek mediation if you are contemplating a divorce.

You and your spouse will pay one mediator and not two Grand Rapids divorce attorneys if you go through mediation: As a means of saving cost on a divorce, mediation does not involve the payment of a huge bill since you are paying one mediator without a retainer or incurring a huge bill after obtaining a verdict as it is in a litigated divorce. You will surely be shell-shocked when you get the bill because your total bill will normally be less than one third of a litigated divorce. Therefore, you do not have to worry about paying the mediator for months after the verdicts have been obtained as it is with court contested divorce where a spouse could end up paying the divorce attorney the accrued bill for a year or two after the divorce case has been dispensed off because of the huge size of the bill.

Mediation will help you keep your privacy if that is important to you: In a court contested divorce, your divorce files will become public documents for all to see. Also, it is always common to see an attorney and a spouse discussing issues that are very private in a crowded courthouse hallway without recourse to privacy. Therefore, if you crave for privacy while pursuing your divorce matters, mediation is the way to go.

You have the right to choose a mediator that suits your needs but in a litigated divorce you can’t choose your judge: Since you can’t choose your judge if your divorce case goes to court, issues like taxes, child custody and child support, alimony, division of assets, parental visitations, and financial planning may be decided by a judge without making any sense to you or your spouse and yet you’re stuck with the ruling.

Mediation will minimize your job loss, lost opportunity and time loss from work. It will not keep you from pursuing financial opportunities or enhance yourself on your job but litigation will not guarantee all these since you will be attending court proceedings at the schedule of the court. It is therefore a good advice from attorneys Grand Rapids for you to choose mediation over litigation if you are contemplating a divorce.

Annulment or Divorce: What’s the Difference?

Steve Watt & Sandra Vanderhyde

If divorce and annulment are terms that sound confusing to you or if you do not seem to understand the difference between them, Grand Rapids divorce attorneys through this article will give you some enlightenment. For the purpose of clarity, divorce and annulment are two different legal means of ending a marriage. In law, a marriage that ends in divorce is viewed differently from the one that ends in annulment. At the point of termination, the marriage of the divorced spouses is recognized by law to have come to an end. That is, such a marriage was a valid contract between two adults contracted legally but brought to an end by filing for divorce. Whereas, when a law court pronounced a marriage annulled, such a marriage is considered in law as null and void as if it never existed before and it was not a valid contract between the two people concerned.

A record is usually made of a divorce with the names of the partners noted though the divorced spouses are allowed in law to remarry if they elect to do so without breaching any law. When a marriage ends in annulment, no record of previous marriage is made about the spouses involved and they are considered as if they were never married at all and no one may make reference to the previous marriage in prejudice because it never existed in the eye of the law. In fact, the process of an annulment erases any previous legality the marriage possessed though children born by the partners are recognized as proper and legitimate children of the two parties.

For a marriage to be qualified for an annulment Grand Rapids divorce attorneys considers that it must satisfy one or more of the following conditions or else, it can only be terminated on the basis of divorce proceedings:

  1. One of the two partners committed bigamy by contracting the marriage. If one party to the marriage was married to someone else without the knowledge of the other party before the marriage was contracted, bigamy may be pleaded successfully in court when seeking for an annulment of the marriage.
  2. The marriage was forced on one partner against mutual consent or free will. If it can be proved that a partner was threatened to enter into the marriage union in the first instance, this condition may be pleaded when seeking a marriage annulment.
  3. One of the spouses was mentally incapable of making rational decisions as at the time of contracting the marriage maybe due to disorders of the mind or intoxication.
  4. If the marriage was prohibited by law like when the spouses are biological siblings or relatives such that incest could be successfully proved.
  5. Other conditions includes the inability of a partner to undergo marital responsibilities as a wife or a husband and when one or both spouses are underage and so could not have contracted the marriage under the law.

If your marriage isn’t working out and you are looking for it to be terminated either in a divorce or annulment, consulting with one of the experienced Grand Rapids divorce attorneys is the way to go in order to know whether you are qualified for divorce or annulment and avoid taking the wrong steps which may have a far reaching effects on you financially and emotionally.

 

Family Attorneys Save Time and Money

Steve Watt & Sandra Vanderhyde

If divorce looms in your marriage relationship, you should expect some major changes in your lifestyle, finances and in other aspects of your life. Most of the things that got you united with your spouse will now have to be torn apart. Divorce is disrupting, emotional, and it involves many challenges. The process of divorce is capable of degenerating into a difficult and nasty state of affairs because of all the issues that needs to be addressed particularly in an emotionally charged atmosphere. You could have hard feelings towards your spouse as well as exhibit harmful actions out of frustrations if you have not protected your rights through the legal advice of Grand Rapids divorce attorneys. If much restraint is not applied, there could be further breach of the peace that could lead to a prolonged legal battle between you and your spouse.

The bottom line is that you need to know your rights and your obligations by consulting with attorneys Grand Rapids who would also take some legal steps to help you protect your rights. If there are children already in your marriage, Grand Rapids divorce attorneys will also help you to protect their rights as your marriage relationship crashes. There are numerous benefits in knowing your rights even prior to filing for divorce and taking steps to protect those rights through attorneys Grand Rapids can take a lot of burden off your shoulders and in fact, it can save your time and money.

Grand Rapids divorce attorneys will represent you skillfully: Once you have decided to file for divorce, it is crucial for you to consult with experienced divorce attorneys for legal advice and for the divorce lawyer to represent you skillfully. Once consulted, attorneys Grand Rapids will guide you to fulfill your obligations. Main issues normally addressed in a divorce court like child custody, money issues, visitation, parental rights, property division, and spousal support would have been mutually agreed upon by both parties in a temporal agreement under the guidance of a competent Grand Rapids divorce attorneys. That way, you and your spouse would have been put in a situation that secures your individual rights though temporarily while further negotiations continue. This step is very important as it serves to give both parties to the divorce the assurance of protection of their rights while tensions, stress, and emotions are being reduced to the barest minimum.

Attorneys Grand Rapids will ensure continuity of family relationship even after divorce in order to help your children: If there are children in your marriage, there is the need for the family relationship to continue in spite of your divorce for their sake. Grand Rapids divorce attorneys will help you create a good working relationship with your spouse before and after the divorce must have been consummated by demonstrating your commitment as helpful as possible.

Grand Rapids divorce attorneys will save your time, money and from future grief: When you know the right approach to the termination of your marriage at the beginning, you can be sure that your divorce issues will be solved as quickly as possible. That way, both parties can have the time and the convenience to establish their new homes, adjust quickly to new realities and thereby avoid grief usually associated with prolonged divorce proceedings in court.

 

 

 

Is Bankruptcy the Answer?

Steve Watt & Sandra Vanderhyde

Grand Rapids bankruptcy attorneys often observe how difficult it is for people who have dug themselves deep into financial debt to see any way out of their bad financial states. It is common for this category of people to think they may never get out of their debts and start considering filing for bankruptcy.  But is bankruptcy the best solution to your present financial dilemma or is it the only option you can think of right now? Though when your debt has become so overwhelming while your income is ever dwindling, bankruptcy may be the solution but it should be the last option after you have explored all other solutions for getting out of your debt.

If you are in the category of people whose first instinct is to file for bankruptcy once they are in critical debt situation, Grand Rapids bankruptcy attorneys advise that you take a look at the facts below and see how far you can go right away.

Consider the effects of bankruptcy on your credit rating: Bankruptcy has far reaching outcomes and long term effects. In fact, once you file for bankruptcy, the record of it stays in your credit rating for as long as 10 years and there are many consequences that go with the rating. It will affect your car insurance rate of premium, your ability and capacity to buy a house in the future because mortgage providers are likely to look at you as more of a liability than an asset and would not want to advance their mortgage loan to you, and lots more.

Attorneys Grand Rapids advise you to consider some great alternatives before you file for bankruptcy: If you try alternative routes like getting a second job, cutting off some expenses, and selling off the extra things in your home in order to use the proceeds to pay off some debts, you may be on your way out of the debt and you wouldn’t need to file for bankruptcy that has lots of negative implications for you.

Effects of changes in bankruptcy laws and the different types of bankruptcy: If done correctly, filing for bankruptcy can keep away your creditors from claiming your possessions and make you have a new start in building and managing your finances.  However, attorneys Grand Rapids notes that recent amendments of bankruptcy laws and the different types of bankruptcy chapters under which you can file means that you really need to seek legal advice from Grand Rapids bankruptcy attorneys whose training and experiences gained while handling many bankruptcy cases will be valuable in helping you file your bankruptcy notification under the appropriate chapter of the bankruptcy laws. Attorneys Grand Rapids are willing to grant you free consultation if you are disposed to meeting them.

In fact, it may happen that you are not able to file for bankruptcy because filing for bankruptcy may not be done on a whim again as it used to be before the changes in the bankruptcy laws. Besides, Grand Rapids bankruptcy attorneys know that there are certain categories of debts that bankruptcy will not wipe out or eliminate and therefore if many of your debts are in this group of debts, it is certain that you will not be able to file for bankruptcy at all.

Stay While Getting a Divorce or Move Out?

Steve Watt & Sandra Vanderhyde

Divorce often becomes imminent once a marriage is drifting apart. However, going through a divorce is never an easy thing. It is a process that makes spouses asks many questions from their Grand Rapids divorce attorneys. One of such questions commonly asked by spouses contemplating or starting a legal divorce procedure is whether they can stay in their marital home while getting a divorce or simply move out. There are no hard and fast answers to this question since there are many factors that must be considered when thinking of whether you or your spouse or even both of you can stay in the marital home before and while the divorce proceedings last. The most important guiding principle therefore is that no two divorce cases are ever the same so that the expert advice of attorneys Grand Rapids is very valuable when it comes to divorce matters and family law and they are well qualified to advice you on what should or shouldn’t not be done considering the facts and the circumstances of your divorce case.

Who owns the marital home?

The question of who owns the marital house is the first consideration in deciding who might stay or move out of the home while getting a legal divorce. If the house is owned jointly by both spouses, then they both have the right to it until it is legally settled by a divorce court of law.  Even if the house is owned by an individual, the family law still permits the other spouse a legal right to dwell in the home till the marriage is legally dissolved by the pronouncement of a judge. Therefore, it is only a court of law that can fully decide on who stay in the house even after the divorce procedures must have been completed. The best advice is to always consult with Grand Rapids divorce attorneys.

What are the implications if you leave the marital home before the legal processes are concluded?

On most occasions, a spouse may leave the marital home before the final divorce legal judgment is obtained just to avoid tension, emotional verbal outbursts, and physical confrontations. However, there are assumptions that could be deduced during the divorce proceedings if you move out before the order of the court is obtained in your divorce case. Firstly, your action could be interpreted to mean that you abandoned the home possibly because you have excess money for acquiring another residence. Secondly, it could also mean that you found it convenient to walk out on your children and so you cannot be trusted with the proper care of your children. All these implications may result in your spouse gaining the house as well as the custody of the children while you are made to pay alimony or it may deprive you from collecting alimony except if you moved out based on the advice of your attorneys Grand Rapids and issues like violence could be proved successfully against your spouse.

 

Grand Rapids Bankruptcy Lawyers Will Provide Counsel

Steve Watt & Sandra Vanderhyde

Bankruptcy can be a very difficult situation to handle. Maybe your business did not work as anticipated or you lost a job and can no longer pay your creditors. Whatever the reason, bankruptcy can become quite a hassle, as most laws and acts governing bankruptcy are a bit difficult to understand. What you must do in this situation is hire a bankruptcy lawyer. Grand Rapids Bankruptcy lawyers can help you understand the type of bankruptcy you can apply for along with the procedure for filing bankruptcy.

Both individuals and businesses can file for bankruptcy when their business is no longer solvent and they are unable to pay back their creditors. Grand Rapids Bankruptcy attorneys will help you honor your obligation to the creditors as much as possible. Apart from this, the aim of bankruptcy is also to lessen the damage or loss to creditors because an individual lost his job or a business did not work.

Bankruptcy cases are supervised and litigated in the United States Bankruptcy Courts, which are part of the District Court of the United States. You will be required to file your case in the District Court in Grand Rapids. Bankruptcy lawyers have complete knowledge on paperwork to be submitted when filing for bankruptcy and will help you consolidate them. For instance, in case you are filing for bankruptcy due to failed business, you may be required to furnish your financial details along with tax files and so on.

There are mainly six types of bankruptcy codes, however only four are applicable for individuals and businesses, and you will have to understand these before filing for bankruptcy in Grand Rapids. Bankruptcy attorneys you hire will help you understand each type of bankruptcy, so you know which category you fall in. Chapter 7, 11, 12 and 13 are 4 types of bankruptcy meant for individuals and businesses. Each has been explained in brief in the following paragraphs:

Chapter 7: This is applicable for both individuals and businesses and is known as liquidation. This type of bankruptcy is applied in the extreme cases where there is no scope for a business to grow and the only way to recover money is to sell its assets. Once a business declares bankruptcy under Chapter 7, all the properties including machinery and raw material is sold to pay off the creditors. In this case, the debts are usually discharged within three months of filing for bankruptcy.

Chapter 11: This type of bankruptcy is applicable for businesses only. However, you can apply only if your business has some scope for recovery. The issue is resolved by introducing a trustee who prescribes methods and steps for the business to continue and recover damages. No more money is allowed to be invested in additional equipment or property, till the time creditors are sufficiently paid off.

Chapter 12: This is specifically meant for family farms that are on the verge of financial breakdown. To apply for this type of bankruptcy the applicant must meet the criteria of a family farmer or family fisherman as mentioned in the statute governing the law. For instance, you can apply for this bankruptcy only if your family farm generated a regular annual income. Similarly, there are several other specific requirements that must be met and you can discuss them with your bankruptcy lawyer if you fall under this category.

Chapter 13: This chapter is meant for individuals with regular monthly income. The bankruptcy code allows an individual to retain his property and pay off his debts in a period of 3-5 years. Here you must adhere to a court approved plan so you are able to pay your debts in a systematic and timely manner.

You can file for bankruptcy in Grand Rapids only if you have been a resident. Grand Rapids Bankruptcy attorneys will also help you understand other requirements of filing for bankruptcy and what documents will be needed. For instance, you will be required to submit a schedule of current income and expenditures, schedule of assets and liabilities, and statement of account. Many such formalities to be completed will be discussed by your bankruptcy lawyer.

Bankruptcy is a delicate matter, especially if you had high hopes from your business or made plans with your current job in mind. However, bankruptcy codes mentioned above provide enough protection to debtors so paying creditors is hassle free. There is nothing wrong or shameful about filing for bankruptcy, as you can definitely hope to get your business back on track with help from your lawyer and protection provided by the bankruptcy codes.

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