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12 Steps Less 2

Posted on : 19-12-2011 | By : DeadBeat1 | In : Uncategorized

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This is not difficult. You can do it.

To get started you will have to most likely do a little, or a lot of preparation. This is not going to be a great big giant hard thing to do. I will be a lot of very easy things to do. Don’t loose site of that, a lot of little easy things, no big hard things. I promise. Before you click on that compile button you will need to get prepared. You will need to feed the beast some information. You need to make a list of all the information you need. I will start this list for you point by point, item by item and by the end of this process I will have Xplained to you why you need each item. Item Number,…..
1.  Your Divorce Decree. A lot of the information you need to create your own personalized spreadsheet, can be taken right off the decree.

2. Date of Divorce Decree. You need the date because it’s a matter of record. A few things like this will really make your spreadsheet look legitimate. Which it will be.

3.  Name of Judge

4.  County and State. Different states have rules about how much interest can be charged on unpaid alimony or child support. Twelve per cent is the max in most states, but you need to know for sure what the law says in your state. It can be looked up easily.In the decree, it will state Xactly when the alimony and or child support, or both are ordered to start, and when they are ordered to stop. (They have stop and start dates.) Pretty easy with alimony as it is usually ordered for a finite number of months or years. Child support, on the other hand, may be more difficult to compute, especially if there are a number of children involved and thusly they will have differing birthdays and turn 19 on different months and years. But don’t worry, you can do it. 

5.  You may need to dig out your old bank statements. Way back when, while that wonderful guy was promptly paying you, records of those payments are most likely still available, either in your old bank statements that maybe you saved, or at the bank itself in their achieved records, as microfiche, or on some other sort of media designed for that purpose. The bank may charge you, but it will be a nominal fee worth more than their weight in gold once you retrieve them.  If you think about it you might remember that the X may have been late a time or two or three. If that’s the case those check images can piece together for you, with a little work, a picture of just how many of the payments were past due and how far in arrears the payments averaged. You’d want to know that cause you might be  charging the guy 12% APR for those past due payments. Right? (Remember, the law, in a lot of  states, supports that 12% figure.) Try to look at this process like you were hunting down coupons in the Sunday paper. Think about this a minute. The better job you do here the more money you might receive later. We may, and most probably are, talking about you making more than a couple of thousand dollars an hour for this little bit of work. Dig in there Baby! The Deadbeat Spreadsheet worksheet has some dropdown menus where you can record just how late your man was in paying his alimony or child support. This paper trail you are piecing together will support that if it’s there. The program automatically computes the past due interest amounts and adds all that into the total amount. In a lot of cases, the interest, which most courts say that you are entitled to, is generally more than the amount of unpaid alimony or child support payments combined. It all adds up, and adds up, and adds up.

6.  Speaking of old bank statements and such, I have a question for you. By any chance did your Divorce decree make any statements about which one of you would be responsible for your children’s health insurance premiums and medical care costs? Those kinds of things are usually covered in the decree. If at some point your X looses his job, he may loose his and your children’s health Insurance as well. Loosing it does not generally relieve him of the financial burden of providing for it. But kids will no doubt continue to have medical problems that may be very costly over time. Just run of the mill stuff adds up and if you are the one paying for it then you need to make sure you can provide proof, like to a judge, your X, and whoever, that you provided what your provided and have proof of you paying for it. You can easily work these kinds of items into one of the three calculators provided by the deadbeat spreadsheet and as you do computing 12 percent APR.

7.  Don’t forget the court costs. If you were the one who filed for the divorce, you most probably had your reasons. Maybe your complaint said that he was an Alcoholic, a drug addict, was unfaithful, and deserted you and your children, the mental cruelty thing, whatever. In a lot of cases the Plaintiff’s lawyer will generally ask the court to see that the X pays all the court costs including your attorney’s fee. Check out your decree. How were those fees handled? Did your X ever pay if he was ordered to? If not, plug that figure as well into the calculator and do the 12% APR again.

8.  So many things can happen during divorce proceedings. Did you have to leave your home out of fear? Did you have expenses for that? Did you require a mover? Did the Decree specify whose responsibility it was to pay for the move? Just read through the thing a time are two, refresh your memory and get a firm hold of the facts in that document. Don’t miss out.

9.  If you were married at least ten years and never remarried, you may be eligible for a portion of your X’s Social Security when he reaches an age when he could draw it. He’ll be eligible when he is 62. Check into it. Just call the nearest Social Security Office.

12.  Good Grief! Number 12! (Shades of the Twelve Steps!) I’m sure there are other things to look for. Like veterans benefits, I don’t know. But part of this webpage, the DeadBeatSpreadsheet.com’s purpose, is to provide a place where other people besides you and I can share our ideas and experiences in hopes that others will benefit from our intelligence as well as our stupidity. For that reason this webpage has been designed to contain a blog.

I took out 10 and 11.

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