Posts Tagged New Jersey Law Firms

Alimony Reduction part 2


The following article was written by Theodore Sliwinski, Esq. and can be found on New-Jersey-Lawyers.com

7. What factors does a court consider to evaluate a motion to reduce alimony?

When a court considers a motion to modify or terminate alimony, the overriding consideration is whether there has been a “change of circumstances.” A court must then compare the parties’ lifestyles at the time of the divorce to their current lifestyles.

In the seminal case of Crews v. Crews, 164 N.J. 11 (2000), the New Jersey Supreme Court held that in all alimony reduction cases, the court must compare the standard of living that the parties enjoyed at the time of the divorce to their current standard of living.

8. If a spouse remarries does this event terminate his obligation to pay alimony?

If the spouse who pays alimony remarries, then this remarriage does not terminate his alimony obligation. If the husband/payor spouse remarries, and if he claims that he can no longer support his former spouse, then this factor alone is not a sufficient change of circumstances to just a decrease in alimony.

9. If a former wife remarries does this event terminate her legal right to receive alimony?

If the spouse who receives alimony remarries, then any permanent alimony award or term alimony will be terminated regardless of the parties’ financial circumstances. The rationale for this is because the supported spouse has entered into a new marital partnership, and the former spouse is not required to financially support this new partnership. If the supported spouse’s new marriage fails, then she can’t later petition the court to reinstate the first husband’s alimony obligation.

10. Can a spouse file a motion for an increase in alimony?

The courts will examine a spouse’s ability to pay alimony and the payee spouse’s need for alimony. Sometimes, a supported spouse will file an application for an increase of alimony. The grounds for the motion is that the supported spouse needs additional income to maintain a decent lifestyle. If the payee spouse is not receiving sufficient alimony to live a decent lifestyle, then a post-judgment increase in the payor’s spouse’s income may justify an increase in alimony. The party seeking to have alimony increased bears the burden of proof to demonstrate a change of circumstance. The courts will also examine the parties’ historical standard of living during the marriage.

11. Can a spouse file a motion for a decrease in alimony?

If a payor’s income decreases then he can file a motion to request that the court decrease or terminate his alimony obligation. The payor spouse must demonstrate that the decrease in income and/or salary was bona fide, in good faith, and not reduced in order to avoid and limit alimony. If a spouse is unemployed or underemployed then the court may impute income to him. The court may also analyze a payor’s/husband’s unearned income and assets to assess the merits of an alimony modification motion(s).

12. Can alimony be terminated if the former wife now cohabitates/lives with another man?

In some cases if a former wife cohabitates/lives with another companion then this may constitute a “change of circumstances” to justify a change of circumstances. If the supported spouse lives with another man, then the court may reduce alimony. However, cohabitation alone is not enough to reduce alimony. The cohabitation must also be coupled with some economic consequences in order to modify alimony.

The courts use the economic contribution test to determine whether an alimony award to a dependent spouse should be reduced. This test looks to see if the cohabitation is similar to a permanent house situation or a marital like relationship. If the dependent spouses’ new companion reduces her financial needs, then alimony may be reduced. Moreover, if the dependent spouse is using the alimony to support her companion, then the payor spouse has very strong grounds to reduce alimony.

The payor spouse has the burden to prove that there has been a prima facie showing of cohabitation. The fact of cohabitation triggers a finding of a change of circumstances. Thereafter, the court will schedule a hearing, and permit the parties to conduct limited discovery. The payee spouse then has the burden to prove to the court that there is no economic consequence from the fact that she is living with another man.

In many property settlement agreements there are some very specific clauses as to alimony termination if the former wife lives with another man. The New Jersey courts have enforced property settlement agreements that provide for a termination of alimony regardless of economic circumstances if the payee spouse lives with another man. The courts however will not uphold a property settlement agreement which attempts to control the former wife’s social activities through the suspension of alimony. If the property settlement agreement places unfair conditions on a former wife that has nothing to do with her financial status, then this agreement will be declared void.

13. If my former wife is now living with another man, will I automatically be able to have my alimony obligations reduced?

No, cohabitation only constitutes a change in circumstances if it is coupled with economic consequences. This means that the spouse must receive a real economic benefit by cohabitating/living with another person. If the dependent former spouse if being fully supported by her companion, then the ex-husband may qualify for a reduction or termination of his alimony obligations.

14. What if my ex-wife moves in with her boyfriend and she never remarries?

In order for cohabitation to be a sufficient ground to reduce/terminate alimony then there must be a permanent relationship. The cohabitation must be of a long-term or permanent nature. The ex-wife and her boyfriend must share living expenses. Staying overnight by either party a few times a month is generally not enough. This is a very touchy subject, because many times ex-wives will intentionally not remarry in order to keep getting support payments, even though they have found a new life long companion.

15. What is the process to make an application to terminate alimony based on the grounds of cohabitation/living together?

An application to reduce or terminate alimony based on the grounds of cohabitation is a two-part process. First, the applicant must prove to the court that there is a “change of circumstances” to justify discovery and a plenary hearing. Second, he must prove that there are grounds to justify a reduction.

It is important to emphasize that alimony will only be reduced, if the applicant can prove that his former wife receives a real economic advantage by living with her companion. The applicant must prove that their former wife receives real support from her new companion. In many cases, it is impossible for an applicant to prove that his former wife receives support from her new companion.

16. What is the main case on alimony reduction based on cohabitation?

The main New Jersey case that the courts use to analyze alimony reduction motions based on cohabitation is Konzelman v. Konzelman, 307 N.J. Super. 150 (App. Div. 1998). In the Konzelman case, a former husband sought to enforce a clause in a divorce decree that provided that his former wife would lose her right to receive permanent alimony if she lived with another man for four continuous months.

In the Konzelman case, the New Jersey Supreme Court held that the family courts must consider the following factors in any Lepis case based on the grounds of cohabitation;

  1. The establishment of a common residence;
  2. A long-term intimate or romantic involvement;
  3. Any Shared assets or common bank accounts;
  4. Joint contribution to household expenses; and
  5. The recognition of the relationship by the community.

…..click here to finish this article

For more information about  NJ Divorce Law or to find a New Jersey Divorce Lawyer.  Additional lists of NJ Law firms can be found here.

Tags: , , , , , , , ,

NJ Foreclosure Defense


The following article was written by Theodore Sliwinski, Esq. and can  be found on New-Jersey-Lawyers.com

BASIC FORECLOSURE FAQ’S

1. What is a foreclosure case?

Foreclosure is the legal process where a court orders the sale of a home when the homeowner doesn’t pay the mortgage. Right now thousands of New Jersey homeowners are having tremendous difficulty making their mortgage payments. It is important for you to know that the lender can’t take your house automatically if you have missed mortgage payments. The lender must take you to court where you have several options to try to save your home. It is important for you to be aware that in many cases a mortgage foreclosure can be prevented. Don’t give up hope if the bank has filed for foreclosure. You can file for bankruptcy, pursue a loan modification, or participate in the foreclosure mediation program.

2. How are mortgage liens treated in New Jersey?

A mortgage is simply an agreement wherein a lender uses a house as collateral for a debt. If a homeowner does not pay his mortgage, then a lender can try to force the sale of the home so that it can be sold to satisfy the debt. After a homeowner signs a mortgage, the original mortgage is then recorded with the County Clerk in the county wherein the house is located.

3. What is a note?

When you sign your mortgage, you also sign a document called a note. The mortgage note is just like an IOU. The note spells out the amount of money you have borrowed and the terms for repayment, such as the interest rate and length of the loan. A loan default occurs when a borrower fails to do what the mortgage note requires. For example, a homeowner who misses a mortgage payment is in default. It is important to identify and understand the terms of your mortgage note. The principal is the total loan amount borrowed and it is the face value of the note. The interest rate is the amount that a borrower pays the lender for the use of the money, expressed as a percentage.

4. How are mortgages foreclosed upon in New Jersey?

In New Jersey the bank must file a foreclosure case with the court. Once the bank obtains a foreclosure judgment then the property will eventually be sold at a public sheriff sale. The court that has jurisdiction over a foreclosure is the Superior Court of New Jersey, Civil Division, General Equity. During the foreclosure process the bank must also file a legal form called a lis pendens. A lis pendens is a recorded document that provides to the public notice that the property is being foreclosed upon. Therefore, the homeowner can’t sell the home to avoid the foreclosure if a lis pendens if filed. The foreclosure unit of the Superior Court handles all foreclosures.

5. What are the legal documents used to effectuate a New Jersey mortgage? …..click here to finish this article

For more information about  NJ Bankruptcy Law or to find a New Jersey Bankruptcy Lawyer. Additional lists of NJ Law firms can be found here.

Tags: , , , , , ,

Top Twelve Reasons Why People File for Bankruptcy


The following article was written by Theodore Sliwinski, Esq. and can  be found on New-Jersey-Lawyers.com

1. Eliminate the Legal Obligation to Pay Most of Your Debts.

This process of wiping the slate clean is called the discharge of your debts. The goal of a bankruptcy discharge is to wipe out your debts to give you a fresh start. Whether it is through a straight bankruptcy that is called a Chapter 7, or through a reorganization that is called a Chapter 13, most or all of your debts can be wiped out for good.

2. Stop the Foreclosure on Your House and Allow You to Effectively Make Payments to Catch up on Missed Payments of Your Mortgage.

If your home is in a foreclosure, then a Chapter 13  will stop it if is filed before the sheriff’s sale. However, a bankruptcy does not eliminate your mortgages that are filed on your home. Instead, a bankruptcy will structure a repayment plan to enable you to repay your mortgage arrears over a five year period. Your mortgage arrears are the amount that you are behind on your mortgage.

3. Prevent Your Car or Other Property From Being Repossessed.

Even if the repo man has snatched your car, the filing of a bankruptcy can help  you to save your car.  However, your bankruptcy must be filed before the car is sold at the auction. The past payments you have missed will be consolidated into your Chapter 13 plan. After you file, you will no longer pay the bank or the finance company, instead  you will make your monthly payments to the bankruptcy trustee. The bankruptcy trustee will then pay the finance company your missed payments over a three to five year period.

4. Reduce or Even Wipe Out High Medical Bills.

Sometimes an unfortunate accident or a major illness can totally emotionally destroy a family. Moreover, their financial health can also be wrecked as well. Many families have to make difficult choices on what bills to pay. Many New Jersey-ites rack up tens of thousands of dollars of medical bills if they become sick, or if their kids get sick. If you file for a chapter 7 then this legal process can wipe out your outrageous medical bills that simply won’t go away.

5. Recent Loss of a Job. …..click here to finish this article

For more information about  NJ Bankruptcy Law or to find a New Jersey Bankruptcy Lawyer. Additional lists of NJ Law firms can be found here.

Tags: , , , , , ,

How A Power of Attorney Functions in Estate Planning


The following article was written by Franklyn Aronson, Esq. Of Kamensky♦Cohen & Associates and can  be found on New-Jersey-Lawyers.com

A Power of Attorney (POA) is a legal document giving another person or institution the right to do certain legal acts or tasks for another person (the Principal).  This document may be one of the most important in an Estate Planning.  It will save significant time and money if circumstances necessitate its use.  A person giving another Power of Attorney can make it very broad (General POA) or can limit it to certain acts ( Limited POA).

The person giving another a Power of Attorney does not surrender his or her rights.  It simply authorizes another to act on his or her behalf, much like giving another person an extra set of keys to your house; you, of course, still maintain the access to your house yourself and you can take back the key or change the locks if you choose.

A “General” Power of Attorney gives your agent very broad powers to do almost every legal act that you can do.  The document will list numerous authorizations and then contain a general catch-all authorization for the person with the Power of Attorney to perform acts for you.  It will include financial, health and property management powers.  A “Limited” Power of Attorney gives the agent only certain powers or rights to engage in a particular transaction on your behalf, such as signing financial documents on your behalf if, say, you cannot be present at a house closing.

A “Durable” Power of Attorney comes into play if what you want to accomplish is having . …..click here to finish this article

For more information about  NJ Estate Planning  Law or to find a New Jersey Estate Planning Lawyer.  Additional lists of NJ Law firms can be found here.

Tags: , , , , , ,

Speeding Ticket FAQ’s


The following article was written by Theodore Sliwinski, Esq. and can  be found on New-Jersey-Lawyers.com

1. How do the police measure a driver’s speed?

Generally, police use the following methods to catch you speeding:

a. A visual estimate. The officer sees your car and estimates how fast you are going.

b. Pacing. The police officer follows your vehicle at the same speed you are traveling and checks the police car’s speedometer to see how fast you are going.

c. Radar. The officer points a radar gun at your car and it calculates your speed.

d. Laser. The officer points a laser gun at your car and it calculates your speed.

2. Why is the concept of hearsay important in challenging a speeding ticket?

Be aware of any hearsay in a speeding case in Municipal Court. In challenging your ticket, you will want to be aware of a key legal rule called “hearsay” that could help your case. The hearsay rule bars any testimony that quotes information from somebody other than the witness. This is sometimes called the “he said” rule because it forbids a witness from testifying to what somebody else said he saw. There is a huge catch to this hearsay rule.  You must affirmatively object or the judge will allow the testimony.

Here are the most common scenarios in which a prosecutor is most likely to use hearsay evidence to prove a speed violation:

a. An officer testifies about what another driver told her about your behavior.

b. The officer who wrote your ticket testifies about what another officer told him.

c. Where two officers were in a patrol car, and one of them observed your driving. The officer who did not see your driving may not testify to what the other officer told him about your driving.

d. The prosecutor tries to introduce an absent officer’s police report or other written record into court in place of live testimony. If this should occur, then you should simply object on the basis that it is hearsay. If the officer is not present, then the written report is inadmissible hearsay testimony.

3. What is pacing?

Many speeding tickets are issued from the police officer following or “pacing” a suspected speeder and using his or her own speedometer to clock the suspect’s speed. With this technique, the officer must maintain a constant distance between her vehicle and the suspect’s car long enough to make a reasonably accurate estimate of its speed.

The road configuration where you were busted may help prove inadequate pacing. Hills, curves, traffic lights, and stop signs can all help you prove that an officer did not pace you long enough. For example, an officer following your vehicle a few hundred feet behind will often lose sight of it at a curve, not allowing enough distance to properly pace the vehicle. Similarly, if you were ticketed within 500 feet of starting up from a stop sign or light, the officer will not be able to prove that she paced your car for a reasonable distance.

4. How can pacing be inaccurate?

There are many ways that pacing results can be proven to be inaccurate. The farther back the officer, the less accurate the pace for an accurate “pace.” The officer must keep an equal distance between her car and your car for the entire time you are being paced. The officer’s speedometer reading, after all, means nothing if she is driving faster than you are in an attempt to catch up with you. That’s why an officer is trained to “bumper pace” your car by keeping a constant distance between her front bumper and your rear bumper. Pacing correctly requires both training and good depth perception. Moreover, pacing becomes more difficult the farther behind the officer is from your car. The most accurate pace occurs where the officer is right behind you. However, patrol officers like to remain some distance behind a suspect, to avoid alerting a driver who periodically glances at his rear view and side view mirrors.

Therefore, if you know an officer was close behind you for only a short distance, your best tactic in court is to try to show that the officer’s supposed “pacing” speed was really just a “catch up” speed. You will want to ask the officer the distance over which he tailed you. If he admits it was only a short distance, then it will help your case. Your goal is to use the speeds that the officer testified to for his car while he was pacing you to argue that he used his speed while closing in on you as you were driving under the speed limit…..click here to finish this article

For more information about  NJ Traffic Law or to find a New Jersey Traffic Violations Lawyer.  Additional lists of NJ Law firms can be found here.

Tags: , , , , , , ,

Boating Under the Influence


The following article was written by Theodore Sliwinski, Esq. and can can be found on New-Jersey-Lawyers.com
As the population grows in New Jersey more and more citizens use the rivers, bays and oceans each weekend for recreational boating activities. The huge number of sailboats, powered vessels, personal watercraft, and part fishing boats that can be seen at the seashore and on the lakes during each summer is a good indication of the popularity of leisure boating in New Jersey. Of course, with so many people operating so many vessels, the potential for accidents resulting in property damage, personal injury or death is great. This risk of a catastrophe is even more enhanced when the operator of the vessel in under the influence of alcohol or drugs…. click here to finish this article

For more information about  NJ Bankruptcy Law or to find a New Jersey Bankruptcy Lawyer.  Additional lists of NJ Law firms can be found here.

Tags: , , , , , , ,

Bank Account Seizures


The following article was written by Theodore Sliwinski, Esq. and can can be found on New-Jersey-Lawyers.com

Are you worried that someone who has a judgment against you will go after your bank account? Many of my clients are petrified and live in constant fear that their hard earned savings will be zapped by a creditor if they leave it in their bank account. However, there are strict rules that must be followed for anyone trying to seize a bank account. Moreover, many distressed debtors have numerous asset protection strategies that they can use to protect their last remaining dollars.

To begin with, any debt collector(s) must have a court judgment against you before he or she can get at your bank account. In a perfect world, the best course of action is to try to negotiate a reasonable payment plan instead of letting someone obtain a judgment against you. However, if you do end up with a court judgment against you, then you consider moving funds from your bank account.

Another move might be to open up a bank account in another state. It is important to emphasize that the out of state bank must not have any branches in New Jersey. A New Jersey writ of execution or a bank levy is only valid only in the Garden State and not in New York or Pennsylvania. However, if you decide to keep your accounts in an out of state bank, then this bank must not have any branches in New Jersey. If an out of state bank does have branches in New Jersey, then this type of asset protection planning will not work……click here to finish this article

To read other NJ Bankruptcy Law or to find a New Jersey Bankruptcy Lawyer.  Additional lists of NJ Law firms can be found here.

Tags: , , , , , ,

All About NJ Family Court Motions


The following article was written by Theodore Sliwinski, Esq. and can can be found on New-Jersey-Lawyers.com

1. What is a motion?

A motion is simply an application to the family court. Motions can ask for an endless array of different types of relief. The most common grounds for relief are to increase or decrease child support, to emancipate a child, to compel the payment of health related expenses, and to reduce or terminate alimony.

2. When can a motion be filed?

All family court motions are filed with the Family Court Clerk in the local county court house. All family court motions are considered to be 24-day motions. See, R. 5:5-4(c). This simply means that the motion papers must be filed at least 24 days before the return date. Thus, your legal papers must be served on your ex-spouse and filed with the court at least twenty-four days before the scheduled court date. The motion hearing days are scheduled every other Friday. Some counties have hearings every Friday. To summarize, the motion papers must always be filed 24 days before the hearing date. Any cross-motion or opposition papers must be served and filed fifteen days before the court date. Finally, any reply papers to the cross-motion must be served and filed at least eight days before the court date.

3. What are the important parts of a motion?

A. Notice of Motion

The notice of motion is simply the part of the motion that requests from the court what type of relief you are asking for.The most common types of relief requested are to establish child support, to reduce support payments, to request emancipation, to compel the payment of family household expenses. The notice of motion should be as specific and clear as possible. Remember, the judge reads about 20 to 30 different motions every motion cycle. Thus, all of the motions tend to blur together. Your motion should be written in a clear, concise and punctual manner.

B. Certification(s)

A certification is simply a legal document that advises the judge exactly what you want and why you should get it. The certification should be detailed and organized. Moreover, the certification should also have relevant exhibits attached to it. Some important attachments may be tax returns, pay stubs, a current and past CIS, copies of day care bills, prior court orders, and a copy of the judgment of divorce. These exhibits should also be labeled as well. The page limit for a certification is 15 pages for filing of the initial motion, and 25 pages to reply to a motion.

C. Proposed form of Order

All family motions must have a proposed form of order attached to it. The court system is over worked. Therefore, the lawyers are required to prepare a proposed court order. It is very rare for a judge to simply sign the court order in the exact format that was provided. Instead, in most cases the judge will cross out and mark up the proposed order to conform to his or her court ruling. Quite often these marked up final orders are very difficult to read.….. click here to finish this article

To read other NJ Divorce and Family Law articles  or for other New Jersey Law articles. If you need a New Jersey Divorce Lawyer.   Additional Lists of NJ Divorce Law Firms and NJ Family Lawyers can be found here.

Tags: , , , , , , , ,

Domestic Violence FAQ’s – #2



The following article was written by Kamensky-Cohen & Associates and can be found on New-Jersey-Lawyers.com

Covered in this article:

What is considered abusive behavior?
What legal action can be taken against an abusive spouse?
What if I am accused of Domestic Violence and need legal defense?

What is considered abusive behavior?
Family Violence is a tragic reality for people of all backgrounds and income levels. Therapists who work with abused family members consider any means of maintaining power over another person is a form of abuse. Among the more common ways this behavior shows up is: 1) Emotional abuse-using comments to lower a partner’s self esteem or to make him or her feel bad; using mind games 2) Threats and intimidation-using fear to control; threatening to do harm to the children, others or him/herself 3) Economic abuse-withholding money; keeping a partner from getting or keeping a job………..To read the balance of this article click here

To read other NJ Divorce and Family Law issue or for other New Jersey Law articles. You can also find a NJ Divorce lawyer and Family Law Attorney. Additional Lists of NJ Divorce Law Firms and NJ Family Lawyers can be found here.

Tags: , , , , , , , ,

A Lawyer’s Guide to Automobile Insurance in NJ



The following article was written by Kamensky-Cohen & Associates and can be found on New-Jersey-Lawyers.com

Introduction:

This purpose of this guide is to help you, when purchasing auto insurance, to select the coverage that will best protect you and your family if you are ever involved in an auto accident. If you have any questions left unanswered by this pamphlet or would like a lawyer’s opinion about your auto insurance policy, call Kamensky – Cohen & Associates for a free consultation.

The New Law:

The new auto insurance law in New Jersey that went into effect in 1999 has made significant changes to your coverage and we have some critical consumer tips, which we believe will protect you and your family. The first and foremost of these tips is never select the “basic policy”. When it comes time to renew your auto insurance, you’ll have to choose between what government regulators have named the “basic policy” and the better levels of coverage found in a “standard policy”. The standard policy will protect you and your family. The cheaper “basic policy” is so lacking in coverage that it provides little more than an insurance card. The “basic policy” only provides limited medical coverage and trivial liability coverage. No individual or family with any assets or income from a job should buy such a policy. Without liability coverage, you can be personally sued. If successful, a judgment can dramatically affect your financial future, your credit rating and even your ability to own or drive a car!

To read the balance of this article click here

A directory of NJ Lawyers for all of your New Jersey legal needs including Personal Injury can be found at www.New-Jersey-Lawyers.com

Tags: , , , , , , ,