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July 2012 Archives

Is Bankruptcy In Central Texas Your Fault?

For my central Texas clients, the two leading causes of bankruptcy are personal or family illnesses with no or inadequate health insurance, and the loss of a job. This is not unusual: As many as 62 percent of bankruptcies were caused by medical costs, according to a Harvard study. Close to three out of four health-cost related bankruptcies are filed by people whose health insurance, unfortunately, was inadequate. Nationally, about 22 percent of bankruptcy filings are linked to a job loss.

I Am Married. Why Do I Need A Will In Texas?

Most people recognize the need for a will but put it off. First, it reminds us of our own mortality, which we'd rather not think about. Secondly, unless one is elderly or ill, we do not think death is imminent. In a previous blog, I talked about accidental death and how, very sadly, accidental deaths are growing in America, to "epidemic" proportions, according to some experts.

I Am Young. Why Do I Need A Will?

Perhaps not surprisingly, more than half of Americans do not have a will. Martindale-Hubbell® had a research study conducted in 2007 and found that for the last three years, 55% of all adult Americans do not have a will. Only one in three African American adults (32 percent) and one in four Hispanic American adults (26 percent) have wills, compared to more than half (52 percent) of white American adults. A new survey by found the same data: fifty-five percent of American adults have not written a will. As one might expect, the situation is particularly prevalent among younger people. Only one in six people between the ages of 18 and 34 have a will. We think we are immortal at that age. However, the data does not support that view.

Living Together In Austin?

While living together is growing in all age groups, young people are clearly the leaders. And we have lots of young people around Austin. According to the 2010 census, the 18-34 age group constituted 22% of the U.S. population, and 25% of Texas population, it is a whopping 35% of Austin's population. The majority of young adults in their 20s will live with a romantic partner at least once, and more than half of all marriages will be preceded by cohabitation. I use Austin demographic data as it is a little easier to come by but you can imagine Round Rock and the surrounding communities are similar.

Guidelines For Child Support Payments In Texas

One of the principal concerns of my clients who are parents seeking divorce is "how much will child support be". Obviously, this is a key issue for both the custodial parent receiving the support, and the parent paying the support. While ultimately, the amount of child support a parent will pay will be determined by the circumstances of the case, and the judge, there are guidelines provided by the State of Texas, which we have provided below. Please remember these are indeed guidelines and can be significantly influenced by your circumstances, and the judge hearing your case.