June 27, 2010

Divorce After a Marriage of Long Duration

Posted in Divorce tagged at 11:00 am by demetriagraves

Divorce after a short marriage is not uncommon, and the proceedings for them tend to be well-known, at least on some basic level, by the general public. However, filing for divorce after a marriage of twenty, thirty, or forty years can be rather complex. After a marriage of such a long duration, there are not only entangled feelings, but entangled assets, debts, and belongings as well. Sifting through everything a couple has accumulated and shared over a lifetime can be, simply put, an arduous process.

Furthermore, Spousal Support requirements can make the process an expensive one if awarded, which it often is. In California, if you have been married for less than ten years, Spousal Support generally lasts for half of the duration of the marriage. This is not the case for marriages in California that last longer than ten years, which are generally awarded “long duration” Spousal Support.  Long duration support is issued indefinitely unless both parties agree to a specific end date. So, if we assume that husband earns more than his wife does, a California court would require he pay her Spousal Support for the foreseeable future. This can get pretty expensive.

Another factor to consider with marriages of long duration is that any children are usually adults and can get embroiled in the proceedings which can come at high emotional price tag. Even though any adult children and are no longer dependents, there is still concern regardless of their age. Emotional bonds are hard to break and this is especially evident in long-term marriages or when children have seen their parents get along for so long. It is a myth that adult children are a non-issue in their parents’ later-in-life divorce. Visitation, support, and custody are not on the table, but the adult child is often playing a role at the table or behind the scenes.

Here’s some things to consider if you are going through a divorce later in life and have adult children:
–   Be wary of what you say and share information cautiously.  What you tell your adult child may travel to the other parent innocently and will not be protected by any rules of confidentiality.

–   If your attorney wants your consent to talk with your adult children, give it. Their observations or opinions may be significant to your case.

–   Think about the consequences before you bad-mouth your spouse in the presence of your son or daughter. If there’s any chance of a reconciliation, it will be difficult for them to forget what has been said during the divorce process.  Plus why interfere in their relationship with their other parent?

Divorce at any time of life can be a challenge, so please make sure that you are working with an experienced family law attorney. I offer a free confidential initial consultation where you can get your questions answered. Being well informed of what’s involved in the divorce process goes a long way to ensuring a smoother journey through your divorce. This is especially important when dealing with a marriage of long duration.

June 25, 2010

Tips For Avoiding Bankruptcy

Posted in Bankruptcy tagged at 8:47 am by demetriagraves

In our current economy many people are facing bankruptcy. So I thought it would be timely to explore some simple tips on how bankruptcy can be avoided. According to a 2008 survey by the American Payroll Association, 71 percent of American workers are living paycheck to paycheck. If you are one of the many who live paycheck to paycheck, or if you have fallen behind, these tips may help you keep your head above water.

How many times have we heard the importance of setting up a budget. Well what is a budget and how can you work on one easily? This can be as simple as making a spreadsheet or listing out all your expenses. Many people who have done this simple exercise have discovered that they aren’t earning enough to cover all their expenses. And this list can help you identify areas that may need trimming. Trips the the vending machine or the coffee shop may seem innocent enough but when you add up what the average person spends on this it can be quite shocking.

Developing a budget is fundamental to reaching your financial goals. Many people find themselves in debt not because of mismanagement, but because they don’t have a plan. By creating a budget that accounts for every spending category and dollar that you spend each month, you can see where your money is actually going. By sticking to the budget, you can regain control and be sure that you financial plans are being fulfilled.

As part of your budget planning don’t forget to set aside an amount for emergencies. You can build-up your rainy day fund by putting away a small amount each week or some people even set up a percentage of their income to go into a special account each week. With this in place you won’t get caught short if your car needs new tires or you need to handle an unexpected health problem.

Automatic deduction is a helpful way to stick to your budget is by allowing your regular bills and expenses to be paid directly from a checking account. By setting up automatic deduction, you can be sure that your bills are paid on time and in full.

If you are living paycheck to paycheck, it is important to streamline your budget in any way possible, and one of the easiest ways to do that is by cutting out any excess expenditures. Look at where these expenditures occur and either budget for them, reduce them, or eliminate them completely. Do you really need those extra cable channels and are you on the right cell phone plan? Some simple belt-tightening can go a long way.

If you can’t spend less then make more. Look at doing some extra part-time work or perhaps there is an opportunity for some overtime. Are there any items taking up space at home that you’re not using that could be sold? Consider renting out that spare-room for some extra cash.

If you find yourself falling behind on payments to your creditors, you might as well contact them and negotiate a new agreement. Your creditors would rather get some money than none at all. By taking the initiative to contact them, you may even be viewed more favorably. Let them know what you can afford to pay each month based on your budget and more often than not they’ll be willing to work with you.

Be wary of credit scams, when searching the Internet, anyone would think that getting out of debt is no big deal. There are a many quick and easy ways to get out of debt through debt management, debt settlement, credit counseling, or some other solution. While some of these solutions can be helpful, some are no more than scams. In particular be careful of solutions that require you to pay money upfront. If they sound too good to be true then they probably are.

Find out if bankruptcy is right for you. Some people may be too deep in debt for any of the above solutions to realistically work for them. That’s when bankruptcy is a good option. Declaring bankruptcy will stop the collection calls but not all types of debt will be forgiven. So it’s important that you understand your options and the future consequences of declaring bankruptcy. I offer a free initial consultation where you can get your questions answered. If you are seriously considering bankruptcy and you live in Southern California, please don’t hesitate to contact me as I’m very experienced in dealing with bankruptcy and I’m here to help. While the process appears complicated, a California bankruptcy attorney will be able to help you understand your options and avoid making bad decisions. After all, you get one chance to file bankruptcy right the first time.

June 18, 2010

What is an Automatic Stay?

Posted in Bankruptcy tagged , at 10:32 am by demetriagraves

Many of my clients who are considering bankruptcy want to know if the collection calls will stop once bankruptcy has been filled. The answer is yes because of the provision for an automatic stay under the U.S. Bankruptcy Code. So what is an automatic stay? It’s an injunction issued automatically upon the filing of a bankruptcy case which prohibits collection actions against the debtor, the debtor’s property or the property of the estate.

The message of the automatic stay is to say Stop! To virtually all of a debtor’s creditors, secured and unsecured, when a petition under any chapter of the Bankruptcy Code has been filed by or against the debtor. The automatic stay is the bankruptcy equivalent of a temporary injunction against virtually all creditor activity that might have the effect of advancing the creditor’s interest at the expense of the debtor or property of the debtor’s estate. The automatic stay provides the debtor immediate calm amidst the storm of financial difficulties. As noted in the relevant Senate Report:

The automatic stay is one of the fundamental debtor protections provided by the bankruptcy laws. It gives the debtor a breathing spell from his creditors, stopping all collection efforts, all harassment, and all foreclosure actions. It permits the debtor to attempt a repayment or reorganization plan, or simply to be relieved of the financial pressures that drove him into bankruptcy. Notes of Committee on the Judiciary, Senate Report No. 95-989
To explain this further, a creditor with a claim that arose before commencement of the bankruptcy case cannot contact the debtor requesting or demanding payment, cannot request from the debtor security for existing unsecured or under secured debt, cannot initiate a lawsuit against the debtor or pursue litigation activities in a pending lawsuit against the debtor, cannot attempt to enforce a judgment against the debtor and must act to stop enforcement activities that are already in motion (e.g. notify a sheriff to stop a wage garnishment or to refrain from a scheduled execution sale), cannot perfect a lien against property of the estate, cannot repossess collateral that is property of the estate, and cannot initiate or pursue non-judicial or judicial foreclosure against property of the estate. This debtor protection is truly automatic. No hearing is held, no judge’s signature required. It is invoked simply by the stamp of the bankruptcy clerk’s time clock when a petition is presented for filing. Creditors are bound by the automatic stay.
The automatic stay gives the debtor protection from his creditors, subject to the oversight of the bankruptcy judge, and brings all of the debtor’s assets and creditors into the same forum, the bankruptcy court, where the rights of all concerned can be balanced.

The 2005 amendments to the Bankruptcy Code instituted limitations on the duration of the stay in the case of repeat filers; that is debtors who had a prior case pending in the last year which was dismissed get a stay of 30 days, debtors with two or more cases pending in the past years but dismissed get no stay at all. The debtor in those situations must seek a stay from the court in order to have the protection of the automatic stay.

The automatic stay is temporary. It terminates automatically upon the occurrence of specified events. Also, upon an appropriate showing in a noticed hearing in bankruptcy court, creditors may obtain relief from the stay that either annuls, terminates, or modifies the stay, or conditions continuance of the stay upon certain events, such as interim payments by the debtor to the secured creditor. A secured creditor may seek relief from the stay in order to pursue its state law rights against the collateral or may seek relief from the stay as a way to force a debtor to make interim payments to the secured creditor as a condition to the stay remaining in effect.

If you believe you may be headed for a bankruptcy, please don’t hesitate to get the right advice from an experienced bankruptcy attorney. I offer an free confidential initial consultation where you can get all your questions answered and discuss the best way to move forward in your particular circumstances.

Shania Twain Divorce Finalized

Posted in Celebrity Divorce tagged at 10:29 am by demetriagraves

Shania Twain’s divorce from record producer Robert “Mutt” Lange has been finalized, according to documents filed last week in Switzerland, which is where Shania lives. The couple’s separation was announced on May 15, 2008. The break-up was rumored to be due to Lange’s affair with Twain’s former assistant and friend, Marie-Anne Thiebaud, who managed their chateau in Switzerland. Shania previously admitted she wanted to “go away and disappear” when her marriage ended.

Now it seems that Shania has since grown close to Thiebaud’s spurned husband Frederic, with long-running rumors of a romance between the pair. Now Shania is a single woman again after 14 years of marriage, she seems to be moving forward with her new man Frederic, it will be interesting to see how that relationship develops.

Twain (44) and Lange (61) first met at a music festival in the summer of 1993 and married at the end of that year, just six months later. The former couple shares a son, eight-year-old Eja D’Angelo. Lange is best known as the producer behind the massive hits of his now ex wife, as well as Def Leppard and Bon Jovi. Twain is preparing for a new TV series, Why Not? With Shania Twain, for the Oprah Winfrey Network. Also, Twain’s recent successful stint on “American Idol” as a guest judge and mentor has added her to the bevy of celebrity names rumored to replace Simon Cowell.

June 10, 2010

“Demetria Kept it Real”

Posted in Testimonial tagged at 12:32 pm by demetriagraves

“I first made contact with the Law Offices of Demetria Graves back in a time where I needed advice and counsel in the most urgent and cost effective manner. I needed a strategy that could help me address my situation while supporting my budgetary challenges. I had solicited several firms prior to Demetria Graves and recognized rather quickly that she had the technical expertise I needed and was very reasonably priced.

Demetria has been very responsive and diligent in her actions to mitigate personal exposure on my part. She was very forthright in laying out the truth and reality associated with the process. Sometimes the truth in these situations isn’t what you want to hear, but Demetria was very good a keeping it real and never sugar coating any personal exposure and/or financial commitments that will be imposed by the courts. For me the truth was essential and the truth is what clients can rely on from Demetria and her staff.

Because of Demetria’s strategic approach to mitigating and minimizing my long-term damages, I am pleased to say I successfully got through the process and while I am committed to the financial support of another, I feel I was well represented and was able to weigh the options and make the right decision for my life moving forward.

Demetria Graves and her staff strike me as a vibrant young up and coming firm with the right energy and fortitude to tackle the most difficult and complex cases, while remembering the economics of it all. For this I am grateful and appreciative.  It has allowed me to move on and begin a new chapter with brighter things to come.”

Robert C. Harrelson

Boomer Divorce

Posted in Divorce tagged at 12:16 pm by demetriagraves

The Baby Boom generation (those born between 1946-1964) grew up in a time when divorce was no longer the social disgrace it was at one point in time. If they see it as an acceptable option to deal with a marriage that is no longer working for them, they may not be as motivated to try to work out issues in the marriage as previous generations were. As women became less economically dependent on their spouses, they became more likely to seek a divorce than to try staying in an unworkable marriage.

Baby Boomers are more educated than any previous American Generation and their divorce rate is triple that of their parent’s generation. Break ups among long term married couples are becoming more frequent with longer life spans and the growing acceptability of divorce. In 2008, a quarter of all divorces reported were marriages of over 20 years with divorces of couples 55 or older rising moderately.  A longer life span means the possibility of a new relationship, and opportunities for re-partnering after age 55 are greater than they used to be.

Interestingly enough, people who make up the tail end of the baby boomer generation are less likely to divorce. According to data released by the U.S. Census Bureau, 29.2 percent of men born between 1945 and 1949 were divorced before the of 40. Whereas among men born between 1960-1964, the divorce rate by age 40 was 25.4 percent.

The numbers for female Baby Boomers were similar. Out of those women born during the early portion of the Baby Boom generation, 34.4 percent were divorced by age 40. Later-born Baby Boomers were less likely to be divorced by the same age with only 30.3 percent of them having legally ended a marriage.

The top three reasons for long term marriage dissolutions are Abuse, Infidelity, and Money Control Issues. Another common issue involving couples who have been married for decades is taking their marriages for granted. Baby Boomers are sometimes focusing on different issues until it is too late to seek a reconnect with their estranged spouses. These break ups are often referred to as “Cold Divorces” characterized by isolation, distance and disengagement and are usually a product of a gradual buildup. Empty Nester divorces are also on the rise, since the spouses no longer have their children to hold the marriage together. An AARP survey of older divorced couples found that two-thirds of the divorces were initiated by the woman, frequently to the surprise of the man.

A recent poll was conducted by the National Association of Divorce for Women & Children and the Baby Boomer on divorce.  The results were really startling!  41% of all participants said that dealing with finances, debt and security were the most challenging parts of finalizing a divorce. Asset division was second at 19%, and Custody of the Children was third at 13%.

Finally, 55% of the participants reported having an amicable relationship with their former spouse. 15% could not be in the same room with their former spouse and only 4% reported they had learned to tolerate the other for the sake of their children!

Here’s some other interesting statistics about divorce:

  • Spouses who argue at least once a week about money are 30% more likely to get divorced.
  • If your parents are divorced, you are 40% more likely to get divorced.
  • If both of you have been previously divorced, you are 90% more likely to seek divorce than those of a first marriage.

The US Census estimates about half of all marriages end in divorce! So if you find yourself headed down the path toward divorce, no matter what your age, please make sure that you get the right legal advice. I offer a free initial consultation where you can get your questions answered and ensure that any potential divorce is as smooth as possible.

Good News on Short Sales

Posted in Short Sale tagged at 9:46 am by demetriagraves

I’ve reviewed some potential good news on a federal program that has come into effect recently that is designed to make short sales a more desirable and more easily attainable option. Previously the perception has been that short sales are a slow and complicated process with no guarantee of success. There has been some co operation from banks which are starting to adjust to the market and are becoming more proactive in creating systems and solutions for homeowners in distress. Plus the U.S. Treasury has enhanced the guidelines and incentives for banks that are committed to improving the loan modification and short sale processes.

The Home Affordable Foreclosure Alternatives (HAFA) program, announced in November 2009 and fully implemented April 5, is the government’s answer to the problem. It’s a supplement to the February 2009 Home Affordable Modification Program (HAMP) that outlines a separate set of criteria for short sales or deeds-in-lieu to address the group of homeowners who are facing foreclosure because loan modification hasn’t worked out.

HAMP was a well-intentioned, albeit slow, start to helping at-risk borrowers. Unfortunately, the guidelines for modifications leave out many distressed homeowners who are eligible but are not successful in supporting a new loan.

HAFA provides that missing next step for homeowners who are not approved for modifications. Now, they can pursue a short sale in a more timely and orderly manner. Here are some of the ways the HAFA program is already improving the process:

-Standardizes paperwork and timelines
-Requires lender response on an offer within 10 days
-Allows for preapproval on pricing of a short sale
-Eliminates deficiency judgments on first mortgages
-Offers $3,000 in relocation assistance
-Pays servicers $1,500 toward administrative costs

Many homeowners that have seen their home’s value drop to a much lower price than they owe on their mortgage (commonly known as being underwater), are looking for ways to simply get out of their mortgage obligation.

It is thought that a short sale would be more advantageous for mortgage lenders than a foreclosure and with various programs available from top lenders to help homeowners short sell and governmental incentives for lenders to accept short sales, underwater homeowners may have more options.

This latest program, which will allow owners to sell for less than they owe and will give them a little cash to speed them on their way, is one of the administration’s most aggressive attempts to grapple with a problem that has defied solutions. More than five million households are behind on their mortgages and risk foreclosure. The government’s $75 billion mortgage modification plan has helped only a small percentage of these households.
This new program could encourage hundreds of thousands of delinquent borrowers who have not been rescued by the loan modification program to shed their homes by short sale, in which the property is sold for less than the balance of the mortgage. Lenders will be compelled to accept that arrangement, forgiving the difference between the market price of the property and what they are owed.The idea is to streamline and standardize the short sale process to make it much easier on the borrower and much easier on the lender.
One of the difficulties of short sales is that estimates on a home’s value are highly subjective. Plus banks don’t want to sell at a discount. Another complicating factor is when there is a second mortgage. There are often disagreements between the first and second lenders on what they are willing to accept and this is usually a deal-breaker. Historically, it has been much simpler and easier to proceed with a short sale if there is only one lender involved but this tends to be the minority of cases.

The idea is to bring the various parties to the table;  the homeowner, the lender that services the loan, the investor that owns the loan and the bank that owns the second. The government intends to spread its cash around. Under the new program, the servicing bank, as with all modifications, will get $1,000. Another $1,000 can go toward a second loan, if there is one. And for the first time the government would give money to the distressed homeowners themselves, up to $3,000 in “relocation assistance”.

Should the incentives prove successful, the short sales program could have multiple benefits. For the investment pools that own many home loans, there is the prospect of getting more money with a sale than with a foreclosure. On the positive side for borrowers, there is the likelihood of suffering less damage to credit ratings. Plus as part of the transaction, they will get the lender’s assurance that they will not later be sued for an unpaid mortgage balance.

For communities, the plan will mean fewer empty foreclosed homes waiting to be sold by banks. By some estimates, as many as half of all foreclosed properties are ransacked by either the former owners or vandals, which depresses the value of the property further and pulls down the value of neighboring homes.

It seems that short sales are about to have their moment, which has been a long time coming. At the beginning of the foreclosure crisis, lenders shunned short sales. They were not equipped to deal with the labor-intensive process and were suspicious of it.
Last year, short sales started to increase, although they remain relatively uncommon. Real estate agents say many lenders still seem to disapprove of short sales. Under the new federal program, a lender will use real estate agents to determine the value of a home and thus the minimum to accept. This figure will not be shared with the owner, but if an offer comes in that is equal to or higher than this amount, the lender must take it.
There are myriad other potential conflicts over short sales that may not be solved by this new program, whose details are still being fine-tuned. Many would-be short sellers have second and even third mortgages on their houses. Banks that own these loans are in a position to block any sale unless they get a piece of the deal. Major lenders seem to be taking a cautious approach to the new initiative. In many cases, big banks do not actually own the mortgages; they simply administer them and collect payments. So this can add another dynamic to the picture.

When considering this process, it’s important that you get the right advice based on your own particular circumstances. There is never a ‘one size fits all’ approach or solution if you are finding yourself in ‘deep water’ financially. I’m here to help and to make sure that you get the right advice.

June 4, 2010

When is Bankruptcy the Best Option?

Posted in Bankruptcy tagged at 7:19 am by demetriagraves

It seems like only yesterday when the real estate market was booming and many people were investing, whether it was their own home or an investment property.  Then the bottom of the sub-prime lending market dropped out, leaving many people facing either foreclosure or bankruptcy or more typically both. Which left a devastated economy in its wake.

Bankruptcy, affects every aspect of a consumer’s finances, especially their home. Many people facing the loss of their home are filing for bankruptcy, hoping to save their icon of the American dream. So how do you find out what is the best answer for your own particular circumstances?

For the millions of Americans struggling with debt, there are a lot of voices that claim to help. Unfortunately, the variety and differences in the options can be downright disorienting. When faced with big financial difficulties, it’s important to know that there are choices for resolving financial debts. Here’s some typical actions that many people try as a first line of defense against a looming financial troubles.

There is the option of negotiating with credit card companies for a decrease in interest rate or a grace time period of a calendar month or so to get up to date. In the event that their credit is fine but they‘re feeling strapped, they could go obtain a personal bank loan or even home equity loan in order to pay off their debt. These days many people are upside down on their home and this may not be so easy to do.

Another option is using a debt consolidation company working as a mediator, they could set up various choices with their debt collectors in order to help make a different payment plan. Debt consolidation simply means taking out a single loan to pay off a number of other loans. This method can simplify the process by requiring the debtor to only pay a single bill as opposed to keeping up with several. This single loan can offer a better interest rate than the ones before, which can help to pay off the loan faster. One of the risks of debt consolidation is that in order to obtain the loan, individuals must put up collateral in case they default on this single loan. More often than not, the collateral is their home. Additionally, most debt consolidation programs extend terms, which means though the monthly payment is lower, you are in debt longer, thus paying the lender more.

Credit counseling involves sitting down with a councilor to discuss how to avoid incurring debts that can’t be repaid. Additionally, it often involves establishing a debt management plan that helps a debtor repay debt. During the process, an individual can learn lots of great information yet in the end, some people who get counseling actually end up paying more than their original debt, according to one study. Credit counseling is also rife with many scam artists who can disappear with your money overnight.

Millions of Americans have gone through a debt settlement program to handle their credit card debt. For a hefty fee, a debt settlement company will claim to settle your debt with a credit card company for less than the amount you owe. The problem is that debt settlement is an extremely difficult solution to pursue and many settlement companies don’t perform the services that they say and the process is confusing, costly and it could very well ruin your credit in the process.

If the options above aren’t workable and there’s no easy way to solve a financial meltdown, filing for bankruptcy with a Chapter 7 bankruptcy attorney is the most practical option. Occasionally an individual’s credit rating too tarnished to qualify for an individual loan to pay off their costs or they do not have sufficient equity to obtain an equity loan. Although negotiating with debt collectors may appear to be the most effective starting point, usually these companies pay no attention to individual requests, particularly when they do not know precisely what to say or exactly how to request it. This is where and experienced attorney who specializes in bankruptcy can help you out with the right advice.

If your financial situation appears to be really hopeless and paying back your financial responsibilities isn’t possible. Consulting with a Chapter 7 bankruptcy attorney would be the best choice for relief.  I offer a free confidential initial consultation, where we can go over your options and get all your questions answered. During this consultation you’ll receive enough information so that you can determine if filing bankruptcy is actually the best option for relief. You’ll find out exactly what filing will and will not do, so that you can make an informed decision regarding your monetary affairs. It’s important to stress the importance of having an attorney who knows bankruptcy law to ensure filing is properly done, so that you can obtain the complete level of relief that you are eligible for.

Individuals can file for bankruptcy with a qualified attorney who represents the debtor in court. In most cases, bankruptcy completely eliminates debt. In 2009, bankruptcy filings were 34 percent nationwide. Some people may be too deep in debt for any of the above solutions to realistically work for them. That’s when bankruptcy is a good option. While the process appears complicated, a bankruptcy attorney will be able to help you understand your options and avoid making bad decisions. You get one chance to file bankruptcy right the first time. So you want to make sure that you have an experienced bankruptcy attorney on your side.

June 2, 2010

Al Gore Split

Posted in Celebrity Divorce tagged at 3:17 pm by demetriagraves

Former Vice President Al Gore and his wife Tipper are separating, this news comes just weeks after their 40th wedding anniversary. From outside appearances, it was a solid marriage and genuine partnership, that is now dissolving. They announced the split in an email to friends recently: “This is a very mutual and mutually supportive decision that we have made together following a process of long and careful consideration.”
Gore spokeswoman Kalee Kreider confirmed the statement came from the Gores, but declined to comment further.

There is much speculation that neither of them is having an affair, rather the couple had simply grown apart. The Gores own homes in Nashville and Montecito, Ca, plus the Gore family homestead in Carthage, Tenn. The Gores have four adult children, Karenna, Kristin, Sarah and Albert III. It’s unclear where Tipper will choose to live; the couple’s grandchildren are all in New York.

The Gores met at his high school prom and when he went off to Harvard, she entered Garland Junior College in Boston. They married in May, 1970 at the Washington National Cathedral. Both had grown up in this area, Tipper with her mother and grandmother in suburban Virginia after her parents divorced, and young Al and his family in the swank Fairfax Hotel on Washington’s embassy row, where they lived while his father, Albert Gore Sr. , served in the House and Senate from Tennessee.

Al Gore lost the 2000 presidential election to Republican George W. Bush. He has since campaigned worldwide to draw attention to climate change, which in 2007 led to a Nobel Peace Prize and an Oscar for the documentary “An Inconvenient Truth.”

The Gores portrayed an image of a happily married couple during his eight-year stint as vice president in the 1990s and a presidential candidate in 2000. The image of their warm relationship stood in sharp contrast to the Clinton marriage rocked by Bill Clinton’s affair with White House intern Monica Lewinsky, a scandal that hung over Gore’s own presidential campaign. Al Gore at the time said his wife was “someone I’ve loved with my whole heart since the night of my high school senior prom.”

Apparently for some, love comes with an expiration date. It seems that times can change and having 40 years of marriage under one’s belt is no guarentee of being married forever.
If you are considering separating or perhaps you’re already going through a divorce, please don’t hesitate to contact me for a free confidential initial consultation, where you can get all your questions answered.