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 Huntersville family law attorney to arrange a consultation. One of our Huntersville divorce lawyers can arrange a consultation with you to discuss your family law matter in detail.
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The history of spousal support (and child support), also called alimony or maintenance, can be traced back to the Code of Hammurabi, a Babylonian code of law dated back to 1754 BC, that declares that a man must provide sustenance to a woman who has borne him children. The Code provides that “If a man wishes to separate from a woman who has borne him children, or from his wife who has borne him children, then he shall give that wife her dowry, and a part of the usufruct of a field, garden, and property, so that she can rear her children. When she has brought up her children, a portion of all that is given to the children, equal as that of one son, shall be given to her. She may then marry the man of her heart.”
A similar law can be traced back to the Code of Justinian, which is the codification of Roman law ordered early in the 6th century by Justinian I, who was an Eastern Roman emperor in Constantinople. The Code of Justinian essentially provided that a gift of dowry or a prenuptial donation be held in escrow by the husband for the support of the wife in the event the marriage failed due to no fault of the wife. The law provided that there were five reasons a man could divorce his wife: i. Treason against the government; ii. She plotted against him; iii. Adultery (If there were no children, husband would keep the prenuptial donation and 1/3 of any property that wife possessed. If there were children, the prenuptial donation and property would be held for them when they became adults); iv. She bathed with strangers, or attended banquets, circuses, theaters, etc. against his wishes; or v. Wife remains away from home without husband’s knowledge or permission, unless she was visiting her parents. A wife, on the other hand, could divorce her husband for the following six reasons: i. Treason against the government; ii. He attempted to kill her or not warn her of a murder attempt by others; iii. He seeks to delivery her to another man for the purpose of committing adultery; iv. He accuses her of adultery but fails to prove her case; v. He entertained another woman in his wife’s home or he is frequently with another woman and refuses to stop after being warned by wife’s kinsmen; or vi. Husband is convicted of adultery (If there are children, wife retains prenuptial donation as alimony and gets portion to husband’s property to preserve for ownership of their children. If there are no children, portion of husband’s property to wife and portion of husband’s property to the government). In the United States, modern alimony traces its roots back to feudal times in England where title and control of a woman’s property vested with her husband upon their marriage. In exchange for taking and controlling her property, the husband became responsible for support the wife for the rest of her life. This obligation to provide support continued even if the parties divorced, unless the divorce was the fault of the wife. If the wife’s bad conduct or infidelity was the cause of the divorce, the wife would not be entitled to support from the husband. Over time, the law evolved to require the wife to prove that husband’s misconduct or infidelity was the cause of the divorce, and thus entitle her to alimony. The law in North Carolina before 1995 reflected this common law principal: that a dependent spouse seeking alimony must prove that the supporting spouse, whether husband or wife, committed marital fault before a court could consider their request for financial support. Additionally, then, regardless of whether the supporting spouse cheated, infidelity on behalf of the dependent spouse, before or after the date of separation, was a complete bar to receiving support. The current spousal support laws of postseparation support (temporary alimony) and alimony in North Carolina were enacted in 1995. The current laws have diminished the role of marital fault in spousal support and focus more on economic need. Postseparation support is support that a dependent spouse is entitled to if the court determines that the dependent spouse’s resources are not adequate to meet his or her reasonable needs, and the support spouse has the ability to pay. While a court may consider marital misconduct in making a determination of postseparation support, the impact of any marital misconduct on a potential postseparation support award is within the discretion of the judge. Infidelity, for example, does not automatically serve as a bar for a dependent spouse seeking postseparation support; rather it is a factor for a judge to consider in determining whether to grant an award of postseparation support. An award of postseparation support will continue until: i. the date specified in the postseparation support order; ii. the entry of an order awarding or denying alimony; iii. the dismissal of an alimony claim; iv. the entry of a judgment of absolute divorce if no claim of alimony is pending at the time the judgment of absolute divorce is entered; or v. modification of an order for postseparation support. It is important to understand that postseparation support is primarily designed to function as a means of securing temporary support for a dependent spouse in an expedited manner. The current alimony laws in North Carolina replaced a fault-based approach in making an award of alimony with a needs-based approach. With the exception of illicit sexual behavior, marital misconduct is one of many factors a judge may consider in determining whether alimony should be awarded, the amount of alimony, and the duration of the alimony award. As mentioned above, fault does control an award of alimony when there has been illicit sexual behavior. North Carolina defines illicit sexual behavior as acts of sexual or deviate sexual intercourse, deviate sexual acts, or sexual crimes voluntarily engaged in by a spouse with someone other than the other spouse. In at least one case, by way of example, penetration of a vagina by a finger was determined to be an act of illicit sexual behavior. See Romulus v. Romulus, 215 N.C. App. 495 (2011). Illicit sexual behavior impacts alimony in North Carolina as follows:
Thus while the law is shifting away from fault in determining alimony, in North Carolina, illicit sexual behavior may serve as a bar or guarantee of an award of alimony. If you need to speak with an experienced spousal support attorney, contact Adkins Law to arrange a consultation. In North Carolina, infidelity is one of the nine acts of marital misconduct defined under N.C.G.S. § 50-16.1A listed as “illicit sexual behavior.” North Carolina defines illicit sexual behavior as “acts of sexual or deviate sexual intercourse, deviate sexual acts, or sexual acts defined in G.S. 14-27.20(4) [criminal sexual offenses], voluntarily engaged in by a spouse with someone other than the other spouse.”
What effect does cheating have on my marriage and separation? Cheating may serve to either guarantee or bar alimony for a spouse. In North Carolina, to have a claim for alimony, there must be a dependent / supporting relationship. This means that one spouse must be a dependent spouse, meaning they are “…actually substantially dependent upon the other spouse for his or her maintenance and support or is substantially in need of maintenance and support from the other spouse.” The other spouse must be a supporting spouse, meaning they are “... a spouse, whether husband or wife, upon whom the other spouse is actually substantially dependent for maintenance and support or from whom such spouse is substantially in need of maintenance and support.” Without a dependent / supporting relationship, a court cannot make an award of alimony. The burden of proving dependency is on the spouse asserting the claim for alimony. It is important to note that even if a spouse is dependent, that dependent spouse is not entitled to an award of alimony if the other spouse does not have the ability to pay. A dependent wife, for example, would likely not be entitled to an award of alimony from a husband in bankruptcy whom does not have the ability to pay any amount of alimony at the time of the alimony hearing. See Bodie v. Bodie, 221 N.C. App. 29, 727 S.E. 2d 11 (2012). A finding of adultery on behalf of a party asserting a claim for alimony renders a dependency determination moot. Thus, a dependent spouse who has cheated is barred from receiving alimony; the court will not make a determination of whether the spouse is actually dependent. An actually substantially dependent spouse means that the spouse seeking an award of alimony must actually be dependent upon the other spouse to maintain the standard of living to which that spouse became accustomed to during the last several years before separation. The spouse must actually be unable to maintain the accustomed standard of living from his or her own means. Examples of cases where a spouse has not been found to be dependent:
Examples of cases where a spouse has been found to be dependent:
The Supreme Court in North Carolina has held, however, that just because one spouse is dependent, it does not automatically mean that the other spouse is support. See Williams. Also see Barrett v. Barrett, 140 N.C. App. 369, 536 S.E. 2d 642 (2000). A surplus of income over expenses is sufficient in and of itself to warrant a determination that a spouse is supporting. See Bodie. If a supporting spouse is determined to have cheated, the marital misconduct must have occurred during the marriage and prior to the date of separation. A court may consider incidents of post-separation marital misconduct only to the extent that it may corroborate evidence supporting other evidence that the marital misconduct occurred during the period of marriage and before the date of separation. The date of separation is the date that the parties actually began to live separate and apart with the intention of at least one party that the physical separation be permanent. See Romulus v. Romulus, 215 N.C. App. 495, 715 S.E. 2d 308 (2011). Parties must not only physically separate with the intent of at least one party to remain separate and apart, they must physically separate in a manner that indicates the cessation of cohabitation. A husband, for example, that came and went during the period of separation but continued to receive mail and maintain belongings at the marital residence and that, while he occasionally slept at his office, he returned home to do chores and take the children to activities was determined to not have separated from his wife. The parties were determined to not have legally separated. See Romulus. What counts as an act of illicit sexual behavior? As stated above, North Carolina defines illicit sexual behavior as acts of sexual or deviate sexual intercourse, deviate sexual acts, or sexual acts defined by N.C.G.S. § 14-27.20(4), voluntarily engaged in by a spouse with someone other than the other spouse. In determining whether to award alimony, any act of illicit sexual behavior by either party that has been condoned by the other party shall not be considered by the court. A spouse can prove that the other spouse engaged in illicit sexual behavior in a number of ways. Admission on behalf of the offending party is a very common manner of establishing proof. The term “sexual relations”, however, is not part of the statutory definition for illicit sexual behavior. In one North Carolina case, an admission by one spouse to the other spouse that he engaged in sexual relations did not establish illicit sexual behavior. See Romulus. To establish adultery, a party must show that the offending party had both the opportunity and inclination to engage in sexual intercourse. Wallace v. Wallace, 70 N.C. App. 458, 319 S.E. 2d 680 (1984). This means that without direct proof, a party may establish that sexual intercourse occurred by showing that they wanted to engage in sexual intercourse with another party, and had the actual opportunity to do so. An example would be a spouse who has sent text messages and made phone calls with another party, and has been observed inside the other party’s residence for a period of time. There may not be direct evidence, pictures or video of the sexual intercourse, but circumstantial evidence would show that they had the opportunity and inclination to engaged in sexual intercourse. What does this mean? In a nutshell, to have a claim for alimony, there must be a dependent / supporting relationship. One party must make substantially more income than the other party and the dependent party must rely on that income to maintain their lifestyle. If the dependent party has had an affair, they are barred from alimony; if a supporting party has had an affair, the dependent party is essentially guaranteed alimony; and if both parties have cheated, it is in the discretion of the court as to whether any award of alimony will be granted. If you need to speak with a family law attorney regarding spousal support and alimony, please contact Adkins Law to arrange a consultation. Often times, when parents separate, they are able to agree to a parenting arrangement that is in their child’s best interests and works well for the parents. In many cases, flexible schedules between the parents work well without conflict until the child is an adult. This is, however, not always the case.
In situations where parents cannot agree to the custody schedule, they need a child custody order. A child custody order sets out the plan for making decisions for the minor child and for determining when and where the child spends time with each parent. For parents who conflict with each other, this is an absolute necessity. To obtain a child custody order, a parent must file an action with the court for child custody. After filing the action, the other party must be served with the lawsuit and afforded the opportunity to respond. In custody actions, after filing, the parents are almost always required to attend a court ordered mediation in the hopes of resolving their differences and working out a custody schedule. Attorneys may be but are often not included in these mediations. If resolution is reached in mediation, an order dictating the custody arrangement and schedule will be issued by a judge, which resolves the matter. In the event that the parties are unable to come to an agreement during mediation, and are unable to negotiate their custody schedule, they require a judge to determine their parenting schedule and end up in litigation. In litigation, the parties become adversaries and lose their ability to control and determine their parenting arrangement through negotiation. The conflict is resolved by the judge upon the presentation of evidence to determine what parenting arrangement is in the best interests of the minor child. The primary issues to be determined by the judge are legal custody and physical custody. Legal custody concerns decision-making for the minor child. Where the child goes to school, the doctor, therapy, dentist, for example, include matters of legal custody. Physical custody, on the other hand, concerns where the child spends the night and how much time each parent is going to spend with the minor child. Once a child custody order is issued, it is enforceable by the court through the power of contempt. What does this mean? Basically, in a nutshell, if a party violates the custody order, the court has the power to punish the violating party. The court may have a number of options in punishing the offending party including fines, probation, jail time, and attorney’s fees. If you need to speak with a family law attorney concerning child custody issues, please contact Adkins Law to arrange a consultation. Undeniably, many families in the US experience serious domestic problems that often necessitate legal interventions. Just like other states of the US, North Carolina (NC) too has its unique laws, under the North Carolina General Statutes (NCGS), that govern all the family matters and that are applicable across its respective regions including Mecklenburg County and all the regions within such counties such as Cornelius, Davidson, and Huntersville in Mecklenburg County. As such, it is crucial for all persons residing within NC, particularly in Mecklenburg County to know the fundamentals of family law in NC likely to affect them such as separation and divorce, alimony, child support, and child custody.
Noteworthy, separation and divorce (NCGS § 50) are two different concepts under North Carolina’s family law statutes. A legal separation does not end one’s marriage. Instead, a legal separation lets the parties remain married but live separately. Marital misconduct may come into play here if a party wants to file an action for a forced legal separation. However, for an action for a forced legal separation (divorce from bed and board) to succeed, the complainant must provide evidence establishing that the spouse was at fault including cruelty, adultery, and indignities, etc. Significantly, although one can legally separate at whatever time, the parties must have been physically separated for a minimum period of one (1) year to succeed in a no-fault divorce. As such, one must meet the legal definition of “separation” to file a divorce case. Merely living in different rooms of the same house or living in separate houses but maintaining the appearance of a relationship does not qualify as a legal separation under the state’s law. If the couple reconciles, the separation period terminates. Additionally, another option other than separation exists, though rarely pursued. Here, the law allows a partner to file for divorce after being lawfully separated for three (3) years and believes that the other partner suffers from untreatable lunacy. Alimony, child support, and child custody are also NC family law issues. According to NCGS § 50-16.3A, alimony is the act of paying for the upkeep and maintenance of a partner, either through a lump-sum or on an ongoing basis provided by the supporting spouse to the dependent spouse. In Mecklenburg County, forinstance, the general rule is that a dependent spouse is the one earning less income, though the NCGS contains sixteen factors (NCGS § 50-16.3A) that guide the court in making such a determination. When it comes to child custody in NC, the most common reference usually made is “the best interest of the child.” Here, the judge (not a jury) hears the evidence presented before the court and decides how the parents, either jointly or individually, will share time with the children and make decisions impacting the lives of the children. Often, the court appoints joint physical custody of the children to the parents. Sometimes the court will award one parent as having main physical custody while the other having ancillary physical custody accompanied with a visitation schedule. One parent is usually ordered to pay the other parent child support. Such support is usually assessed using the North Carolina Child Support Guidelines, especially if the combined yearly income of the two prior to taxation amounts to $300,00.00 or less (though also dependent on the custodial schedule), and such a support lasts until the child turns 18 years and graduates high school, or the child is lawfully emancipated. If you need to speak with an experienced family law attorney, contact Adkins Law. There are 2 important point systems related to driving in NC. There are DMV points and insurance points
DMV points, or license points, are points that are assessed to you by the DMV. Your driver’s license will be suspended if you accumulate 12 or more DMV points within a 3 year period. Below is a list of driving charges, and the amount of DMV Points associated with each charge: Offense-------------------------------------------------------------DMV Points Manslaughter or Negligent Homicide--------------------------Suspended Pre-arranged Highway Racing----------------------------------Suspended Hit and Run (injury/death)--------------------------------------Suspended DWI (.08 BAC or more)------------------------------------------Suspended Transporting Illegal Liquor for Sale-----------------------------Suspended Highway Racing-------------------------------------------------Suspended Speeding to Elude Arrest---------------------------------------Suspended Driving While Revoked or Suspended--------------------------Suspended Aggressive Driving (Comm. Lic.)---------------------------------6 Points Aggressive Driving (Class C License)----------------------------5 Points Reckless Driving-------------------------------------------------4 Points Hit and Run (property damage)----------------------------------4 Points Passing a Stopped School Bus-----------------------------------5 Points Speeding (75 mph or greater when limit < 70)------------------Suspended Speeding (80 mph or greater when limit 70)---------------------3 Points Driver Under 21 Driving after Consuming Alcohol/Drugs-------Suspended At-FaultAccident (injury/death > $800)--------------------------Suspended Illegal Passing----------------------------------------------------4 Points Following Too Closely--------------------------------------------4 Points Driving on Wrong Side of Road-----------------------------------4 Points Stop Sign/Stop Light Violation-----------------------------------3 Points Speeding Through a Safety Zone---------------------------------3 Points Driving with no Operator’s License-------------------------------3 Points Failure to Yield Right of Way-------------------------------------3 Points Failure to Stop for Siren-------------------------------------------3 Points Driving with no Liability Insurance--------------------------------3 Points At Fault Accident (property damage > $1,800, but < $3,000)------3 Points Speeding (>10 mph over limit when speed limit is > 55, but < 76)--3 Points Speeding when limit is 55 mph or greater------------------------3 Points Speeding when limit is 55 mph or less---------------------------2 Points Speeding in School Zone-----------------------------------------3 Points All other Moving Violations---------------------------------------2 Points Failure to Restrain Child in Restraint------------------------------2 Points At-Fault Accidents (injury or property damage < $1,800)---------3 Points Littering from vehicle---------------------------------------------1 Point Non-Moving Violations-------------------------------------------0 Points Adkins Law Attorneys are happy to help clients with any traffic violation. Call us today with any question you may have or to get help with your traffic violation. A common question that arises is concerning the termination of parental rights. When parental rights are terminated, all legal ties between the parent and child are severed. This cannot be done consensually. A court must find grounds for the termination, and that the termination is in the child’s best interests.
In North Carolina, termination of parental rights proceedings are held in juvenile court before a district court judge. There is no jury. The petitioner (the person attempting to terminate the parental rights) must (1) show that there are grounds for the termination, and (2) that it is in the child’s best interests to terminate the parental rights. The petitioner must show by clear and convincing evidence that grounds for the termination exist, and that the termination is in the child’s best interests. NCGS 7B-1111 sets out several grounds for terminating parental rights in North Carolina. A petitioner needs to prove at least one ground to successfully have a respondent’s parental rights terminated. Some of the ground which justify a termination include abuse, neglect, willful abandonment, the assumption of child custody by one party and the failure to pay child support by the other, a child born out of wedlock with the failure to establish paternity or legitimize the child, the failure to provide proper care and supervision when the child needs specialized care, a conviction of a serious felony such as murder or a sexually related offense. Even upon the petitioner proving one of the grounds justifying termination, a judge must still find that the termination is in the child’s best interests. To that end, an evidentiary hearing must be held with sworn testimony. A parent cannot simply consent to the termination, even if they want to, fail to file a responsive pleading, or fail to appear at the termination hearing. Adkins Law is located in Huntersville, North Carolina and primarily serves Mecklenburg County, and the Lake Norman area. If you want to speak with an experienced family law attorney, please contact Adkins Law to arrange a consultation. In accordance with the federal Child Support Enforcement Act, each state has developed specific guidelines to calculate a range of child support to be paid, based on the parents’ respective incomes and expenses. Each state’s guidelines vary considerably, meaning that in virtually identical situations, the child support ordered in one state may be far more or less than that ordered in another state. Judges in some states are allowed a considerable amount of leeway in setting the actual amount, while other states have very strict guidelines that leave judges with very little leeway.
Factors Considered Regardless of the judge’s latitude, there are statewide guidelines put in place that specify factors that must be considered in determining who pays how much child support. These factors include:
When one parent does not work When income is received on an irregular, non-recurring, or one-time basis, the court may average or prorate the income over a specified period of time or require an obligor to pay as child support a percentage of his or her non-recurring income that is equivalent to the percentage of his or her recurring income paid for child support. Potential or Imputed Income: If the court finds that a parent’s voluntary unemployment or underemployment is the result of the parent’s bad faith or deliberate suppression of income, child support may be calculated based on the parent’s potential income. If a parent has no recent work history or vocational training, potential income should not be less than the minimum hourly wage for a forty hour work week. Third party consideration Guidelines do not apply to child support orders against stepparents or other persons or agencies who are secondarily liable for child support. They may, however, be a small factor to consider in offsetting some expenses that a parent would have otherwise been responsible for. Maxed out guidelines There are cases in which the parents’ combined adjusted gross income is more than 300,000 a year. When income exceeds this threshold, the normal child support schedule is maxed out. Inn cases that involve very high incomes, the courts will need to set the award on their own. When setting this award, the court must ensure that the amount of the award meets the reasonable needs of the child. Did you know that having a will means probate, and potentially probate court? Without an estate plan, your estate cannot be settled without the delays and court fee costs - plus, your assets will be a matter of public record. With an estate plan, you can avoid the probate process entirely. Not only does this save your family legal costs and attorney fees, it makes the process much easier for your spouse and family.
Do you own a business? Without an estate plan, your family could lose control of the business. With an estate plan, you choose who will own and control the business after you die. Plus, you can avoid having the business and its assets frozen after you die.
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