Tuesday, November 27, 2012

Child Support


Child support is one of the most critical and divisive issues among divorced parents. Particularly during these difficult economic times, child support can be a huge financial burden even for parents who love and cherish their children. It is well settled law throughout the United States that both parents are obligated to provide for their children. Every state has a slightly different method for calculating child support. In some states child support is calculated on a case by case basis decided by the judge. In other states there are guidelines, worksheets, and formulas that must be strictly applied.

The federal law that is used to enforce child support is called the Uniform Interstate Family Support Act (UIFSA). This is often referred to as a long arm statute, where one state can enforce a court order in another jurisdiction. For example, if a child support order is entered in Florida, it can be enforced in Georgia or any other state through UIFSA. Under the federal law, each state is required to recognize another state's child support order. It isn't necessary to formally transfer jurisdiction of the family law case to the other state for the other state to enforce it. However, in order to modify child support a state must accept Continuing Exclusive Jurisdiction (CEJ). The CEJ usually follows the child's residency. The state that will accept jurisdiction is usually the state where the child has resided for at least six months immediately prior to filing the petition to modify child support.

Methods of Enforcement

Different states have different methods of enforcement. Among others, sanctions and enforcement methods may include: income tax refund capture; bank account levy; driver's license suspension; and passport denial or revocation. In many parts of the United States, loss of liberty is a very real possibility for anyone who refuses to pay child support. A finding of civil contempt can land a non-payor in jail until he or she comes up with at least a portion of child support arrears. This portion is often called a “purge” and is often 25% of the total amount owed, but can be any amount a judge decides is required.

In addition to state remedies for refusal to pay child support there is also a federal remedy. According to this federal law, failure to pay child support, if willful, is a crime when the parent owing support lives in a different state than the parent who is supposed to receive the support. The purpose of the Federal Child Support Recovery Act was to prevent a parent from moving to a different state or a foreign jurisdiction to avoid paying child support.



The penalties available for child support enforcement under the Child Support Recovery Act include prison sentences, fines and restitution. A first offense under the Federal Child Support Recovery Act can result in a prison sentence of up to six months plus fines. A second conviction can result in more jail time and greater fines. Probation can be imposed and can include conditions such as the payment of child support and mandatory employment. A violation of those probation conditions can result in additional prison time.

Controversies

It is easy to accept that as a matter of public policy, parents should support their children. But what if a parent is ordered to pay child support, but is not able to pay? And, even though child visitation and child support is supposed to be separate, what if the parent obligated to pay support is prevented from seeing the child? Do the penalties for nonpayment do anything to help the children in the long run? How does putting daddy or mommy in jail help? What about the unwed father who never wanted to have the child to begin with? Or worse, what about the unwed father who never knew he even was a father until he was served with a complaint for child support?

As always your comments are welcome. Thank you for reading.

Tuesday, November 20, 2012

Protecting Tenants at Foreclosure Act of 2009

Ever since boom went bust, residential tenants have suffered as collateral damage. Many Florida families have become suddenly homeless through no fault of their own, when their landlords lost their rental homes to foreclosure. Imagine. It's the middle of the month. You paid your rent on the first. You just paid your utilities. The kids are happy in school. You're getting settled into a new job. Finally! And then the sheriff comes to the door and tells you that you have 24 hours to move.
 
It happens everyday. It isn't supposed to happen anymore, but it does. The not so new federal law, Protecting Tenants at Foreclosure Act of 2009, has upset long standing practice that foreclosure will almost always extinguish an existing lease. Some states, being proactive, began enacting legislation that would offer tenants protection prior to 2009. Not so in Florida. Florida has not been able to enact a single new law that would protect tenants in foreclosure. Several bills died in committee. Nothing has been accomplished. 
  
If a residential tenant does not have a lease and the property goes into foreclosure after he moves in, the tenant has 90 days to leave the property. If the tenant has a lease and the lease went into effect before the foreclosure began, before the lis pendens, was served, the lease remains in full force for the entire remaining time on the lease.
 

SEC. 702. EFFECT OF FORECLOSURE ON PREEXISTING TENANCY.
(a) In General- In the case of any foreclosure on a federally-related mortgage loan or on any dwelling or residential real property after the date of enactment of this title, any immediate successor in interest in such property pursuant to the foreclosure shall assume such interest subject to--
  1. the rights of any bona fide tenant, as of the date of such notice of foreclosure--
    (A) under any bona fide lease entered into before the notice of foreclosure to occupy the premises until the end of the remaining term of the lease, except that a successor in interest may terminate a lease effective on the date of sale of the unit to a purchaser who will occupy the unit as a primary residence …
(B)(b) Bona Fide Lease or Tenancy- For purposes of this section, a lease or tenancy shall be considered bona fide only if--
(1) the mortgagor or the child, spouse, or parent of the mortgagor under the contract is not the tenant;
(2) the lease or tenancy was the result of an arms-length transaction; and
(3) the lease or tenancy requires the receipt of rent that is not substantially less than fair market rent for the property or the unit's rent is reduced or subsidized due to a Federal, State, or local subsidy.


SEC. 704. SUNSET.
This title, and any amendments made by this title are repealed, and the requirements under this title shall terminate, on December 31, 2014.

In researching this issue, I could not find any Florida cases that relied on the PTFA. At first, I couldn't understand why, and imagined that it is only because the system is slow to respond to new laws. However, I found an article by Tony Guo (2011), “Tenants at Foreclosure: Mitigating Harm to Innocent Victims of the Foreclosure Crisis”. He states: “However, since the passing of the federal legislation in 2009, Florida's reaction has been one of minimum compliance, and has not been particularly tenant friendly.” (Guo:23).

If you don't know your rights, you don't have any.

Wednesday, November 7, 2012

RELAUNCH - site, courses, and start-up package.

We, at The Florida Association of LegalDocument Preparers (FALDP) are proud to announce exciting changes throughout our organization. We have refined and redesigned our courses in anticipation of our site-wide RELAUNCH. Many legal document preparers spend years in paralegal studies programs only to discover, upon graduation, that there are no paralegal jobs available. Or, even worse, many discover that the paralegal jobs that are available don't pay enough to justify their years of academic training. So, many would-be paralegals discover that its time to use their entrepreneurial skills and open up shop as legal document preparers. As small business owners they soon discover that they are their own favorite boss of all time. Once their legal document preparation business takes off -- they never look back.

We've added value to our popular Turn Key Business Bundle. Our start up package now includes even more tools to help you build a successful business. We have worked long and hard to develop a business start-up package for a legal document preparation business.

$878.00 Value for Only $499.00
  • A Limited Liability Company, documents prepared and ready to file with the state - $89.00 Value
  • One year Premium Membership into FALDP - $65.00 Value
  • Online Course - Introduction to Florida Legal Document Preparation - $99.00 ValueOnline Course - your choice - Preparing Florida Divorce Documents; OR Bankruptcy Chapter 7; OR Living Trust & Estate Planning Documents – up to $220.00 Value
  • A custom website and top-level domain - a $330.00 Value
  • One month of unlimited mentoring – a $50.00 Value
  • A press release written for you to announce your new company - priceless.
                                  Online Courses - Descriptions


Our courses can be part of the Turnkey Business Bundle or taken one at a time. They are targeted primarily towards legal document preparers who want to increase their business income by adding services. People who are new to the industry and want to learn how to prepare Florida legal documents must begin with the INTRO course. Likewise, people who are coming in from other states, even those with experience, must enroll in the INTRO course before joining our association. Consumers are also invited to take our courses.

INTRO to Florida Legal Document Preparation - $99.00 (INTRO-310)
Preparing Florida Divorce Documents - $220.00 (DOM - 202)
Living Trusts & Estate Planning - $99.00 (LT - 312)
Bankruptcy Basics – Chapter 7 Personal Bankruptcy - $149.00 (BK – 127)

Free Basic Membership with paid tuition for INTRO -310 – a $40.00 Value. This special membership fee, for new members only, is available until December 31, 2012. So hurry. All memberships renew on June 1.

Introduction to Florida Legal Document Preparation (INTRO) discusses the legal document preparation industry - including business structure, name choice considerations; and various business models and structures . No prior paralegal training is required. INTRO also stresses compliance and avoiding the unauthorized practice of law (UPL).There are required assignments, but no exam. INTRO is mandatory for inexperienced document preparers, and for document preparers relocating to Florida from other states, who seek FALDP membership. Tuition - $99.00

Preparing Florida Divorce Documents (DOM -202) is a nuts and bolts course based on Florida Supreme Court approved forms for pro se litigants. Each of the different types of divorce situations is discussed. Upon successful completion, students receive a Course Completion Certificate. Entirely self-paced, students work around their own work and family schedules. Tuition - $220.00

Living Trusts and Estate Planning (LT-312) is appropriate for both document preparers and consumers. For a limited time, consumers who purchase a Living Trust document package through our site, after successfully completing LT-312, will be rebated 100% of their tuition. We know that informed consumers are the best customers; we strive to help consumers make informed decisions. We offer a revenue sharing plan for FALDP members who successfully complete LT-312. - $99.00

Bankruptcy Basics - Chapter 7 Personal Bankruptcy (BK-127) shows consumers and document preparers how to start over with a clean financial slate. This foundation course introduces learners to bankruptcy terminology; types of bankruptcy; eligibility; Florida exemptions; means test; and do's and don'ts for Bankruptcy Petition Preparers. BK-127 is completely self-paced, and is appropriate for consumers and legal document preparers. Tuition - $149.00



Due to the dismal economy many consumers cannot comfortably afford attorneys fees for routine legal matters. The services of legal document preparers are becoming increasingly more acceptable as our industry gains credibility. The services of legal document preparers are now considered a “perfectly acceptable legal solution” rather than just a good enough, or, better than nothing, legal solution.


Whether you are new to the legal document preparation industry or want to expand your services, the Florida Association of Legal Document Preparers is here to help. Registration for our online courses is open. Please visit:  http://www.faldp.org/

Call today - Toll Free

800-515-0496

                                                          
We, the members of the Florida Association of Legal Document Preparers, deeply believe that it is the right of all American consumers to have access to the legal system, regardless of income or education. It is our mission to deliver well researched legal information to consumers.

The FALDP mission embodies our quest and our goals. We offer legal information; and document preparation assistance. We hope that by educating consumers about their legal rights -- we will have done our part to give others hope.

The FALDP mission is a journey. We have only begun, there is much to do. We hope that the confidence gained through education and knowledge will empower consumers, so they may have a fighting chance to enforce or pursue their rights in a court of law.