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A Divorce Glossary
by: Nathan Dawson
Divorce lawyers and law firms can provide a great deal of divorce information and divorce advice; but sometimes, all that legal jargon can be confusing to say the least, not to mention intimidating. Getting a good, low cost divorce settlement requires planning and research.

So, why not start here? We have provided you with a good glossary of legal terms related to the process of getting a divorce:

Alimony
A regular support payment by one divorced spouse to the other

Annulment
A court declaration stating that a legal marriage never existed

Arbitration
Having a disputed matter settled by a third party who is not a judge.

Attachment
A court-ordered seizure of a debtor’s property.

Attorney at Law
A state-licensed advocate who is hired to prepare, manage and try a case in court.

Alternative Dispute Resolution
A process of negotiation, mediation and arbitration, in lieu of a trial, as a way to resolve issues pertaining to a judgment of divorce.

Case Information Statement (CIS)
A financial document specifying the details of your respective incomes, expenses, assets, and debts.

Child Support
Money paid by one ex-spouse to another toward their child’s expenses.

Common Law Marriage
A marriage without a license or ceremony in which the couple cohabitated for a minimum number of years (varies from state to state).

Default
Failure to do something (such as make a payment) on time.

Discovery
The legal procedures used to gather all the facts necessary to settle a case or to prepare the case for trial.

Dissolution of Marriage (Divorce)
The legal separation of a married couple so that each one may be free to marry again.

Equitable Distribution
A fair division of the assets acquired during your marriage.

Inventory and Appraisement
A list of jointly-owned property along with the current value of each one.

Joint Legal Custody
An agreement in which a divorced couple share the rights and responsibilities of making major decisions about their child’s life.

Joint Physical Custody
The shared right to have a child live with one or the other parent at different times of the week or year.

Judgement of Divorce
A legal document following a settlement or trial that grants a divorce and states the court’s decisions with regard to alimony, support, custody, visitation rights, and equitable distribution.

Maintenance
Alimony or child support payments

Marital Settlement Agreement
An out-of-court agreement that resolves all issues surrounding a divorce.

Mediation
A process by which a dispute is resolved and an agreement between two parties is reached with the assistance of a disinterested third party known as a mediator.

Non-Marital Property
Property that belongs exclusively to either the husband or the wife and, as such, cannot be divided between the two.

No-Fault Divorce
A divorce granted with the mutual agreement of two spouses, or when one spouse has left the marriage for a certain period of time (varies by state).

Rehabilitative Alimony
Alimony that helps the ex-spouse to become self-reliant.

Separation
The absence of one spouse from the household before a divorce.

Separation Agreement
A temporary agreement with regard to support, child custody and property for the period between the onset of separation and the granting of a divorce.

Spouse
A husband or wife

Support
Payment due to one spouse from the other regarding housing, food, clothing, and other expenses.

Transfer
To switch legal ownership from one person to another.

Verification Statement
An oath declaring that the information stated in a document is true.

Visitation
The right for a non-custodial parent to visit his or her child.

About the author:
Nathan Dawson writes for http://www.lifeaftermarriage.coma great online source for finance information.


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 Legal Debt Collection Tricks
 by: Steve Austin

If a customer owes your local business money, it's hard not to feel angry, like you want to do anything possible to get your money back. But the days of going all out to collect on a debt over.

The Fair Debt Collection Practices Act, designed to protect consumers from harassment or intimidation, sets firm limits on what you can do to collect a debt from a consumer. The federal debt collections law even prohibits practices that were once standard, and that you might not consider harassment at all.

Besides, as a local business, you have an even more powerful reason to be especially careful about legal debt collection issues. You have something much more valuable at stake than a lawsuit: your business's reputation in the community.

Legal Debt Collection Best Practices:

There are plenty of articles on the web that lay out in plain English what the Fair Debt Collections Practices Act says you can and cannot do. Just to give you some idea of the law's requirements, here are some of the biggest:

- No telling any third party about the debt (except collection bureaus, collection agencies, or the debtor's attorney).

- No calling on the telephone 9 pm - 8 am, or calling repeatedly in a way that is annoying.

- No postcards or envelopes that mention the debt.

- No threats to take actions you cannot or will not really take, such as seizing property, in the case of an unsecured debt.

- No misrepresenting yourself (e.g., "Hi! This is the Publisher's Clearinghouse Sweepstakes. May I speak to John?").

- No paying down the debt with payments the customer has directed be applied to other debts

Tips and Tricks for Legal Debt Collections:

With all these limits on what you can do to collect a debt, what can you do legally?

- Speak with the debtor personally on the telephone


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