Often, people think of property in terms of tangible items, and this is understandable. It’s important not to overlook non-tangible property however – not only things like retirement and pension accounts, but also things like insurance policies, which have definite value, and which must be addressed as you prepare to move forward down two separate paths. As you prepare to negotiate and divide your property during the divorce, it can be helpful to maintain a detailed inventory of all of your existing insurance policies, as well as all of the designated beneficiaries on those policies.
Depending upon the particular circumstances one spouse may be required to maintain the other spouse on their insurance policy for any number of reasons, so it is also important to consult with a knowledgeable and experienced attorney as to your circumstances before making any final decisions one way or the other. In addition, as you prepare for divorce, it can be helpful to begin the process of obtaining quotes for new policies if you will be canceling your old ones. Doing so will save you time and headache in the long run.
Many rely on COBRA coverage after a divorce until they can arrange for a new policy. It is, however, always a wise decision to contact your insurance company to discuss the divorce, as well as what steps might need to be taken (and what costs will be incurred) to continue the coverage. It should also be noted that in some settlement agreements as part of the property division between the parties, one spouse agrees to cover the full or partial COBRA payments for the spouse and/or children who were formerly named on the regular insurance policy.
If one or both spouses have life insurance policies, the beneficiaries and terms of those policies will need to be reviewed and possibly negotiated during the property division process. It can be helpful, after an absolute divorce is granted, to provide the divorce decree to your insurance company and instruct them to notify all beneficiaries of any policy changes or missed payments. This can help to ensure that the policy premiums continue to be maintained, and that the policy remains active, and up-to-date with the appropriate beneficiary information.
It can be helpful to consider how the insurance policy might fit into your overall estate plan, as life insurance proceeds are generally included in the estate. Some choose to use a helpful planning tool called an Irrevocable Life Insurance Trust, or ILIT. An attorney who understands family law and estate planning will be able to advise you as to whether a tool like this might be helpful in your particular circumstances.
If you and/or your spouse do not have life insurance policies, this does not necessarily mean that you should entirely ignore this issue during your divorce. In some situations, couples who are divorcing and do not have insurance are actually ordered by the court to acquire insurance. Typically, this occurs in a situation where the divorcing couple has children, and one spouse earns significantly more than the other. In that situation, the court will often order the spouse who earns more income to obtain a life insurance policy naming the ex-spouse as a beneficiary in order to ensure future financial security in the place of standard support obligations if the higher-earning spouse passes away.
Contact Adkins Law if you need to speak with an experienced family law attorney to arrange a consultation.
Divorce is a complex process. After all, untangling two lives that have become intertwined over many years isn’t easy. There are many decisions you’ll have to make during the divorce process. As you prepare to make those decisions – decisions regarding the division of property (including your assets and debts), the potential sale of your home, the updating of your legal and insurance documents, and other important matters, gathering information pertaining to those matters ahead of time will help to simplify matters to some degree.
It is also unfortunate to say, but important to be aware, that in a divorce, relationships can become extremely strained. Often, people can become so emotional that they act in unpredictable ways which are completely out of character. It is not unusual for a spouse to take paperwork without the other spouse’s knowledge, or even to destroy important paperwork in anger, or out of a desire for revenge. Even if you may not expect that sort of behavior from your spouse, it is still a wise precaution to save copies of important documentation and information while you still have access to it.
Certainly, the information needed will vary depending upon your unique circumstances. However, information that is usually helpful to gather includes:
With respect to any documentation you may gather, it is always best to collect at least three to five years’ worth of information if possible, or more if you have been in a long-term marriage. Although gathering this information may be time-consuming and tedious, it is a worthwhile effort in the long run in order to save yourself time, expense, and headache down the road.
If you need to speak with an experienced divorce attorney, please contact Adkins Law to arrange a consultation.
We live in a “do-it-yourself” age, and the practice of law is no exception. There is, after all, so much information available online, that many make the assumption that they can learn all they need to know, and handle the divorce process for themselves. While it is understandable that some might make this assumption, it is an assumption that comes with many hidden costs and pitfalls. Often, people go into a do-it-yourself divorce process assuming they will save money and time, when in fact, doing so ends up costing them more of both. Even if your case may seem “simple” and as if you and your spouse may agree on many issues, it is far too easy to make mistakes that may come back to haunt you down the road. Some of the more common pitfalls of do-it-yourself divorce include:
Ultimately, even if you feel that your divorce is “simple” in nature, and that you and your spouse agree upon all important issues, seeking the advice of a knowledgeable and experienced attorney will help to ensure that the process ultimately goes smoothly, and that you do not encounter any unexpected (and potentially costly) issues in the future. You may lose rights to valuable property and assets you would otherwise be entitled to, or end up paying more or getting less in alimony or support than you otherwise would, or losing a substantial amount of parenting time with your children – and those are only a few possibilities of many.
An attorney who is qualified and experienced in the practice of family law will be able to identify any issues you may have overlooked, point out any potential negative consequences of certain decisions, and advise you of what to expect throughout the divorce process.
As most of us well know, we live in a high-tech, digital world – a world which is becoming increasingly more so with each moment. It is a world full of “smart” devices – smart phones, smart cars, smart televisions, even smart homes. In so many ways, technology adds to our world. We are more connected than ever, the pace of business moves faster, and we can receive our news and updates from family and friends across the globe in an instant. All of these things are wonderful. As with all wonderful things, however, there are downsides. One of the downsides of technology, insofar as family law is concerned, is that it gives us the capacity to spy and eavesdrop on one another with greater ease than ever before. While people have always been able to spy on one another with more traditional methods like tracing, wiretapping, or hiring a private investigator, today’s technology makes it easier than ever before – and this can ultimately cause a number of problems for everyone involved.
Particularly in marriages that are already troubled, spying can be quite a temptation. It’s natural to what to know what we don’t know, and this can be a particularly strong urge when we suspect that our spouse may be having an affair or hiding a bad habit from us. This desire is entirely understandable. It is natural to hope to disprove our suspicions, or to be able to plan how we should take action if we find out that they are true.
While these feelings are understandable, and it is important to know that they should be resisted – for many reasons. Choosing to spy on your spouse is not only an unhealthy behavior that encourages mistrust – in many cases, it is also illegal. Many spouses who are emotionally stressed and desperate to find out the truth about their spouse so they can determine how to move forward unfortunately do not realize this or take it into account until it’s too late.
If you suspect that your spouse is, or may soon attempt to spy on you, or, alternatively, if you are thinking of spying on your spouse, you should contact an attorney immediately. Engaging in illegal methods of spying could not only be devastating from an emotional standpoint – it could also expose you to serious legal liability, which is the last thing you need as you contemplate divorce.
What the Law Says About Spying
Legally, from both a federal and state perspective, spying on your spouse is simply not a good idea. Indeed, both federal laws, and the laws of the state of North Carolina prohibit many commonly used methods of spying on one’s spouse. It is important to have a basic understanding of these laws in order to know what activities could potentially expose you – or your spouse – to liability.
The Electronic Communications Privacy Act and the Stored Wire and Electronic Communications Act are federal laws that apply to spying, and which are commonly referred to jointly as the Electronic Communications Privacy Act. Initially enacted in 1968, these laws were created to ban wiretapping of telephone line, but have continually evolved with changing times. Today, the law applies to such varied methods of digital communication as emails, cell phones, voicemails, text messaging, online chats, voiceover IP, and more.
Broadly speaking, the ECPA makes it illegal to record or eavesdrop on communications that your spouse makes without his or her consent. This would include wiretapping phone lines, installing spyware on a spouse’s computer without their knowledge, “hacking” into your spouse’s email account, and other similar activities taken without the spouse’s knowledge for the purpose of intercepting their communications.
Certainly, if your spouse authorizes you to read or listen to their communications then legality is not a concern. Unfortunately, however, what constitutes “authorization” can be somewhat of a gray area. These matters are best discussed with a knowledgeable and experienced attorney who understands the law and how it might apply to your particular circumstances, as courts decide these matters on a case-by-case basis. Generally, however, to determine whether your access to your spouse’s communications is likely to be considered “authorized” or not, is to ask yourself whether the actions you’re taking feel like an invasion of your spouse’s privacy. If the answer is yes, it would be best to avoid taking them.
North Carolina has its own act that addresses the interception of wire, oral, or electronic communications, known as the North Carolina Electronic Surveillance Act. This act addresses much of the same information as its federal counterpart, and makes it illegal to intercept your spouse’s communications – whether over the phone or electronically – without their consent.
In addition to these laws, those who are considering spousal spying should also be aware that North Carolina recognizes several tort claims that are also applicable to activities like spying. These causes of action are intended to protect privacy. One of those is known as “Intrusion upon Seclusion,” which essentially means that invasion of privacy is recognized in North Carolina as grounds for a lawsuit. In such a lawsuit, one spouse would assert that the other intentionally intruded into their private affairs, and that a reasonable person would find the intrusion highly offensive.
In order for such a claim to be successful, the intrusion does not necessarily have to be a physical intrusion – certainly, it could include hacking into an email account or bugging a phone. Physical intrusions qualify as well, however – placing a GPS tracking on a car without knowledge or permission, for example, might suffice to bring this type of claim as well.
North Carolina also recognizes other torts that could apply depending on the details of the situation, and consultation with an attorney to better understand the details of those laws would be a wise course of action.
Seek Legal Advice Before Spying
Without question, spying on a spouse can be tempting – particularly if you suspect your spouse of hiding hurtful or harmful behaviors. If you have reached a point in your marriage where you are seriously contemplating divorce, it is understandable to want to obtain information that will confirm or disprove your suspicions. Certainly, in some situations, evidence of inappropriate behavior can be helpful to your case during divorce proceedings, as we’ll discuss later in this guide. It is important to collect that information in the right way, though, and an attorney who understands the law can advise you as to how best to go about doing that in a legal manner. Consulting an attorney prior to taking any action that might be questionable or reflect poorly on you in a future divorce proceeding is always a wise decision, and we would encourage anyone contemplating spying to take that important step first.
In essence, after all of the foregoing factors are considered, our advice to those who are contemplating divorce would be this: Truly take the time you need to think through your decision in the most thorough manner possible. Divorce is a life-changing decision. That’s not to say that it might not be the right one, but it is a decision that certainly should not be made in haste, or from a place of intense emotion that might later subside. Truly think through your emotions, envision your future, and consider the practical realities of what divorce means. As you’re doing so, be careful not to take other actions – spying, having affairs, or engaging in other behaviors – that might be detrimental to you in future divorce proceedings. Doing so puts you on the best footing to go forward down whatever path you ultimately decide is best.
If you need to speak with an experienced family law attorney, please contact Adkins Law to arrange a consultation.
Finding yourself in a difficult place in your marriage can be extremely difficult from an emotional perspective, particularly if you have been experiencing those difficulties for some time. Depending upon the nature of your relationship and your troubles, it is entirely understandable that you might feel lonely, frustrated, and without true companionship. No one wants to feel that way, and trying to get through the day while struggling with those feelings can understandably be stressful, draining, and discouraging. It is in these situations, where one or both spouses are struggling with emotional emptiness, that some find themselves more susceptible to becoming involved in affairs, or conversely, discover that their spouse is having an affair.
While affairs are ill-advised for any number of reasons, in North Carolina, they have very real and significant consequences from a legal perspective. In North Carolina, adultery is actually a misdemeanor offense under the criminal code, though it is highly unlikely that a prosecutor would bring criminal charges for an affair. What is far more likely, however, is that adultery, if proven, could significantly impact many aspects of a divorce case – not only from a financial perspective, but also with respect to child custody and other matters of great importance to the parties, not to mention the fact that the spouse harmed by the affair could potentially bring a lawsuit for significant damages under North Carolina law.
How Evidence of an Affair Can Impact Your Divorce Case
Ultimately, evidence of adultery can impact your divorce case in a variety of ways. Some of the most significant include:
If you need to speak with an experienced divorce attorney, please contact Adkins Law to arrange a consultation.