Divorce and Health Insurance

In a recent study that is shedding light on the issues of divorce and health care, a new study estimates that 65,000 American women become uninsured each year as a result of marital dissolution.
Indeed, among married women who had health insurance and then divorced, 17 percent were uninsured six months later. There was also a big shift among divorced women from private insurance to public insurance, such as Medicaid. After divorce an estimated 115,000 women each year lose private coverage, the study reported, but many are bailed out by government programs.

The loss of insurance was especially prevalent among divorced women who’d been covered as dependents on their husband’s health insurance. In this group, 23 percent were uninsured six months after divorce. Another risk-factor for ending up without coverage: being too affluent for government insurance programs but not affluent enough to afford costly private coverage.

Since many employers drop spouses from the their health insurance rolls this leaves women to depend on COBRA.  COBRA is temporary and expensive.  It is so costly that many women go without insurance.  To combat this many women are asking the court to compel their husbands to carry a separate health insurance policy and name them as a beneficiary.

Note: By way of perspective, last year about 48.6 million people were uninsured, the Census Bureau has reported.

 For more information call Discount Divorce & Bankruptcy for a FREE consultation.

The experienced family and bankruptcy document prepares at Discount Divorce assists clients throughout Arizona, including the cities of Ahwatukee, Anthem, Apache Junction, Avondale, Bisbee, Buckeye, Bullhead City, Camp Verde, Casa, Cottonwood, Douglas, Eloy, Grande, Carefree, Cave Creek, Chandler, El Mirage, Flagstaff, Florence, Fountain Hills, Gila Bend, Gilbert, Glendale, Globe, Goodyear, Gudalupe, Kingman, Lake Havasu City, Litchfield Park, Marana, Maricopa, Mesa, Nogales, Oro Valley, Paradise Valley, Payson, Peoria, Phoenix, Prescott, Prescott Valley, Queen Creek, Safford, San Luis, Scottsdale, Sierra Vista, South Tucson, Snow Flake, Sun City, Sun City West, Surprise, Tempe, Tolleson, Tucson, Waddell, Wickenburg, Winslow, Youngtown and Yuma.

Visit www.discountdivorcepro.com or call (602) 896-9020. Discount Divorce is located at 13817 N. 19th Ave., Phoenix, AZ 85023-6105.

Email: DiscountDivorce@msn.com

As always you should seek legal advice for specific issues like the one above before coming to Discount Divorce to have your documents done and processed so that your legal rights may be protected.

When You May Need a Lawyer in a Chapter Seven Bankruptcy

Attorney, Steven R. Elias, in the book, Your New Bankruptcy Will it Work for You?  Answer this question.

Mr. Elias says most chapter seven bankruptcy sail through without a hitch.  However, there are some situations in which you may need some help from of bankruptcy lawyer:

Your average income over the last six months before you file is more than your state’s median income, and it looks like you won’t be able to pass the means test.

You want to hold onto a house or a motor vehicle and they exceeded the allowable exemptions.

In cases where you want to get rid of a student loan or an income tax debt that wouldn’t normally be wiped out in a bankruptcy unless you convince the court that it should be discharged.

A creditor files a lawsuit in the bankruptcy court claiming that one of your debts should survive your bankruptcy because you incur debt through fraud or other misconduct.

The bankruptcy trustee seeks to have your whole bankruptcy dismissed because you didn’t give honest and complete answers to your questions about your assets, liabilities, and economic transactions.

The U.S. Trustee asked the court to dismiss your case-or force you into chapter 13-because your income is high enough to fund a new chapter 13 repayment plan, or because the trustee believes that your filing it is an abuse of the chapter seven bankruptcy process or other reasons.

You have recently given away or sold valuable property for less than it is worth.

You went on a recent buying spree with your credit card (especially if you charged more than $550 on luxury goods within the last 90 days).

You want help negotiating with a creditor or the bankruptcy court, and the amount involved justifies hiring a bankruptcy lawyer to assist you.

A creditor is asking the court to allow it to proceed with its collection action despite your bankruptcy filing (for instance, a creditor wants to foreclose on your house because you’re behind on your mortgage payments).

You are being evicted by your landlord because you are behind on your rent.

While it is obvious that most people can handle their own chapter seven bankruptcy case with the assistance of a professional, like the paralegal it isn’t right for everyone.  It never hurts to get some legal advice before proceeding with a bankruptcy.

For more information call Discount Divorce and Bankruptcy for a FREE consultation.

The experienced family and bankruptcy document prepares at Discount Divorce assists clients throughout Arizona, including the cities of Ahwatukee, Anthem, Apache Junction, Avondale, Bisbee, Buckeye, Bullhead City, Camp Verde, Casa, Cottonwood, Douglas, Eloy, Grande, Carefree, Cave Creek, Chandler, El Mirage, Flagstaff, Florence, Fountain Hills, Gila Bend, Gilbert, Glendale, Globe, Goodyear, Gudalupe, Kingman, Lake Havasu City, Litchfield Park, Marana, Maricopa, Mesa, Nogales, Oro Valley, Paradise Valley, Payson, Peoria, Phoenix, Prescott, Prescott Valley, Queen Creek, Safford, San Luis, Scottsdale, Sierra Vista, South Tucson, Snow Flake, Sun City, Sun City West, Surprise, Tempe, Tolleson, Tucson, Waddell, Wickenburg, Winslow, Youngtown and Yuma.

Visit www.discountdivorcepro.com or call (602) 896-9020. Discount Divorce is located at 13817 N. 19th Ave., Phoenix, AZ 85023-6105.

Email: DiscountDivorce@msn.com

As always you should seek legal advice for specific issues like the one above before coming to Discount Divorce to have your documents done and processed so that your legal rights may be protected.

Bankruptcy Can Unfreeze Frozen Bank Accounts

My bank account was frozen on Friday.  If I file bankruptcy how long will it take to unfreeze my account?

The simple answer according to many attorneys that have posted answers on LawQA is two to three days after the court sends out notifications to all of your creditors in a bankruptcy proceeding.

For more information call Discount Divorce and Bankruptcy for a FREE consultation.

The experienced family and bankruptcy document prepares at Discount Divorce assists clients throughout Arizona, including the cities of Ahwatukee, Anthem, Apache Junction, Avondale, Bisbee, Buckeye, Bullhead City, Camp Verde, Casa, Cottonwood, Douglas, Eloy, Grande, Carefree, Cave Creek, Chandler, El Mirage, Flagstaff, Florence, Fountain Hills, Gila Bend, Gilbert, Glendale, Globe, Goodyear, Gudalupe, Kingman, Lake Havasu City, Litchfield Park, Marana, Maricopa, Mesa, Nogales, Oro Valley, Paradise Valley, Payson, Peoria, Phoenix, Prescott, Prescott Valley, Queen Creek, Safford, San Luis, Scottsdale, Sierra Vista, South Tucson, Snow Flake, Sun City, Sun City West, Surprise, Tempe, Tolleson, Tucson, Waddell, Wickenburg, Winslow, Youngtown and Yuma.

Visit www.discountdivorcepro.com or call (602) 896-9020. Discount Divorce is located at 13817 N. 19th Ave., Phoenix, AZ 85023-6105.

Email: DiscountDivorce@msn.com

As always you should seek legal advice for specific issues like the one above before coming to Discount Divorce to have your documents done and processed so that your legal rights may be protected.