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15 Helpful Resources for Seniors Looking to Downsize

Guest post compiled by Andrea Needham, EldersDay.org

Getting ready to downsize your home — and your life overall — in retirement is a tall order. There’s so much to do and think about when you decide to move, get rid of belongings and scale down your retirement budget. Whatever the motivation behind your impending move, here are the most helpful tips for navigating the journey. Continue reading “15 Helpful Resources for Seniors Looking to Downsize”

Credit Scores Demystified

Guest post by Dan Lucchesi, owner and founder, The Lucchesi Property Group

If you’ve decided to get your credit on track, getting started can feel a bit daunting. After all, it can sometimes seem as if credit agencies want to keep you in the dark about how scores are calculated. Not to worry — with some diligence on your part and a little insight into the world of credit score-keeping, you can get back on track in 2020.

Credit scores follow an algorithm first developed by the data analytics company FICO years ago. For a while, credit scores weren’t the primary force behind a credit decision, but over time, the impact of a credit score became more and more important. Most every loan program available today has a minimum credit score.

There are five characteristics of your credit history that make up your three-digit score: your payment history, account balances, the length of your credit history, the types of credit used and how often you’ve applied for new credit. Continue reading “Credit Scores Demystified”

Bankruptcy and Divorce Proceedings: What Debts Can Be Discharged?

Guest post by Nathaniel J. Thompson, bankruptcy attorney at the Law Office of Nathaniel J. Thompson

It is not uncommon for bankruptcy law to interact with family law. In fact, one of the four most common causes for the filing of a bankruptcy is a recent divorce. Common questions that arise in family law when a bankruptcy is filed include whether any debts incurred through the divorce and related proceedings may be included in the discharge.

Before answering the above question, it should be noted that a married couple may file a joint bankruptcy case at any time before a court enters the divorce decree. If the parties may cooperate with doing a joint bankruptcy, in a lot of cases it is beneficial to do so, to simplify the debt division in the divorce. It also reduces the total cost for bankruptcy, as typically, a joint case is cheaper than two individual cases. Continue reading “Bankruptcy and Divorce Proceedings: What Debts Can Be Discharged?”

How to Enjoy Valentine’s Day as a Newly Single or Divorced Person

I have done divorce hearings on the day that should be its opposite: Feb. 14, St. Valentine’s Day.  The irony does not escape my clients.  I am sure they will always recall the DATE of their divorce and find the holiday bittersweet as a result.  The truth is that this holiday can be trying for people who are divorcing, breaking up or newly divorced.  The following are tips to make the most of the day despite this challenge.  Continue reading “How to Enjoy Valentine’s Day as a Newly Single or Divorced Person”

Helping Your Senior Loved One With Finances After the Loss of a Spouse

Guest post by Marie Villeza of ElderImpact.org

The loss of a spouse is full of grief and sadness, and for your senior loved one, this process can feel like a blur. The funeral and days after are filled with kind faces, flowers and food, but once the steady traffic subsides, your loved one is left to pick up the pieces and carry on with life. An area of their life that you should pay attention to and may need to help them with is their finances. There are several financial considerations and actions that must be made following the death of a spouse, and you can help your loved one make sure they get done. Continue reading “Helping Your Senior Loved One With Finances After the Loss of a Spouse”

FREE Advice Available at Jeffco Legal Clinics All Year

Every year, a major focus of mine is to devote dozens of hours to pro bono work, giving back to the community and helping anyone who wants it to access legal assistance. One way I do this work is through volunteering at a variety of free legal clinics around Jefferson County each month. The clinics typically allow visitors to attend on a first come, first served basis and to receive 15 minutes of free legal advice on their divorce or family law issue. Please share this information with family and friends who could benefit.

Below is my clinic volunteer calendar for 2020, so far. Keep an eye on my Facebook page and under the ALPC Volunteering the Community tab for additional dates and events as they are added. Continue reading “FREE Advice Available at Jeffco Legal Clinics All Year”

3 Ways a Private Investigator Can Help Your Divorce Case

Guest post by Elizabeth Daerr, founder of Red Rocks Private Investigations

When you go through a divorce, you want the best lawyer, with a team of professionals behind her working to protect your interests. A private investigator can be a critical member of that team in advocating for your case. From surveilling your soon-to-be ex for bad behavior to locating hidden assets after a settlement, investigators provide a variety of services that aid your attorney in building a stronger case. Continue reading “3 Ways a Private Investigator Can Help Your Divorce Case”

A Divorce Attorney’s Perspective On Depression In Children During Divorce

It is a mistake not to recognize the impact divorce can have on children. But it is also a reality that ALL parents need to monitor their children for signs of depression whether or not a divorce is involved.

Depression among teens and children is on the rise. According to a recent study, major depressive episodes in teens have risen from 8.7% in 2005 to 11.3% in 2014.[1] Suicide is now the third most common cause of death among teens in this country.[2] Colorado’s teen suicide rate increased 58 percent from 2016 to 2019, with suicide now the cause of one in five adolescent deaths in Colorado.[3]

Depression rates are rising among preteens as well.[4] I have had several cases, some involving children as young as 12, who have been hospitalized for attempting suicide or suffering suicidal ideations during the course of the divorce process.

While experts have various opinions on whether depression increases among children in divorce, EVERYONE (including judges!) agrees that putting children and teens in the middle of the divorce controversy is harmful to them. Continue reading “A Divorce Attorney’s Perspective On Depression In Children During Divorce”