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A Gray Divorce, What You Need to Know
/by Sclafani & MoriartyWhat is a Gray Divorce? It’s a when older couples decide to split up and get a divorce. And, the closer you are to retirement, it’s crucial to know the rules and get it right! According to the Pew Research Center, the divorce rate for adults over 50 has doubled since the 1990’s. In a […]
Looking for a Bankruptcy Attorney in Western Mass?
/by Sclafani & MoriartyIf you are facing overwhelming credit card debt or other bills you cannot pay and are thinking about bankruptcy, you will want to talk to a bankruptcy attorney in Western Mass that you can trust, Attorney Charles Sclafani. Filing for bankruptcy is a complicated legal proceeding with serious, long term consequences. It will affect your […]
Looking For A Female Divorce Attorney in Western Mass?
/by Sclafani & MoriartyIf you are looking for a female divorce attorney in Western Mass, look no further! We have two of the best, Attorney Tanya Moriarty and Attorney Diana Velez Harris. Before we take a look at these amazing attorneys, let’s take a look at divorce in general. Divorce is stressful! The far-reaching effects of divorce […]
What Happens When You File Bankruptcy?
/by Sclafani & MoriartyPeople typically file for bankruptcy when they can no longer meet their financial obligations. There could be many reasons for this, unemployment, overextended debt, etc. When you file for bankruptcy you get an automatic stay, which basically protects you from creditors taking actions such as foreclosure and/or wage garnishment. Bankruptcy will wipe out most credit […]
What Do You Need To File for Divorce?
/by Sclafani & MoriartyIf you are contemplating divorce, you will need the following in order to file: Copy of your marriage certificate Separate agreement Joint Petition for Divorce form Affidavit of Irretrievable Breakdown Record of Absolute Divorce A Financial Statement from each spouse If you have children under 18, you will be required to do the following: Attend […]
Understanding Types of Divorce
/by Sclafani & MoriartyIn Massachusetts, a divorce can be “no-fault” or “fault” and can be contested or uncontested. What type is right for you? CONTESTED/UNCONTESTED Contested means one person disagrees with the divorce or terms of the divorce. Uncontested means that both people agree about the terms. NO FAULT (1A & 1B) DIVORCE No Fault is a […]
Favorite Christmas Morning Breakfast Casserole
/by Sclafani & MoriartyChristmas morning can be a bit overwhelming, am I right? In trying to find ways to make it just a bit easier, I Googled “best Christmas morning breakfast recipes” and after going through quite a few, I’ve decided on Taste of Home, Favorite Christmas Breakfast Casserole. The thing I love most about this recipe is […]
Our 3 Favorite Things to do in Western MA during the Holidays
/by Sclafani & Moriarty1. Bright Nights – So hard to believe that Bright Nights is 25 Years Old! It is pure magic and is a collaboration between the City of Springfield’s Department of Parks, Buildings & Rec Management and the Spirit of Springfield, a private, non-profit organization. It has been named seven times as one of the “Top […]
Massachusetts Homestead Protection
/by Sclafani & MoriartyHomestead Protection is a type of protection for a person’s principal residence. A home in Massachusetts is automatically protected up to $125,000 in home equity without filing. However, homeowners in Massachusetts can protect their home, up to $500,000, for a fee, by filing a “Declaration of Homestead” with the Registry of Deeds in the county […]
Student Loans and Bankruptcy
/by Sclafani & MoriartyTo be honest discharging a student loan in bankruptcy is difficult, but it isn’t impossible. In order to do so, you have to show that repaying that loan “will impose an undue hardship on you and your dependents.” In order to prove undue hardship, the court will apply the Brunner test (Brunner v. New York […]