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Greed or Love?
by: Jeffrey Broobin
Prenuptial agreements, might help you and your partner is a lot happier and Prepared For Marriage, because they allow us to learn about each other, make each other feel more comfortable about issues that are of concern, clarify money concerns, and talk about how we can make our marriage work. Writing the contract is a communication process. It is not an exercise in distrust. It is good estate planning. A prenuptial agreement is what it says; it's before the marriage, and it becomes in effect once you marry. On the other hand, once you're married you can still get a legal contract called a Post-Nuptial Agreement. It's very important to note that any time you Change Jurisdictions; you must verify that your legal documents are valid in the new state where you live. Our marriage is our responsibility. Roles Are Changing, situations are changing, and the traditional marital structure is not working, as evidenced by the 50% failure rate. But does saying, "Honey, I love you, sign here," contribute to a loving relationship? It forces you not to just talk over the issues, but to come to the realization and then agreement on how you want to handle your marital life, including issues of money. If, for example, one partner makes a great deal more money than the other, how are they going to feel as equal partners in decision-making? They can decide that they'll give, for example, equal percentages into the Marriage Bank Account and there are other is-sues, too - and all this can be written up in the prenuptial agreement. What happens if one person is the primary childcare provider and because of that cannot spend as much time on career advancement? How is that person going to feel during the 10 years when he/she is spending more time with the children than the other? Resentment can build. The Prenuptial Agreement can help you reflect those kinds of concerns.

About the author:
Jeffrey Broobin is a free-lance writer on family and finance issues; his main goal is to help people during their complicated period of life.
Website: http://www.legalhelpmate.com
Email: jeffreyb@legalhelpmate.com


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Legal 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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