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Tessmer Tips / 28.05.2015

Our active duty service men and women are afforded certain rights and protections under the law - and deservedly so.  Here is more information on the Servicemembers Civil Relief Act (SCRA):   If you receive notice that a civil action (bankruptcy, foreclosure, divorce, etc.) has been filed or a child custody matter has been initiated against you during a period of military service or within 90 days thereafter, you have the right under SCRA to request that the proceedings be stayed for at least 90 days, and the right to request that the court extend the stay if necessary. If your request...

Tessmer Tips / 27.05.2015

We continue with part 3 of our useful information on the Servicemembers Civil Relief Act (SCRA):   SCRA protects your home from foreclosure. If you secured a mortgage before entering military service, SCRA requires that a lender obtain a court order before it can foreclose on your home during any period of service and for nine months thereafter.  If your lender does seek a court order, and you can show that you have been unable to make your mortgage payments due to your service, the court must temporarily stay the proceedings or adjust the amount due to your lender.   If you leased a...

Tessmer Tips / 26.05.2015

Continuing with information on the Servicemembers Civil Relief Act:   SCRA caps the interest rates on loans incurred prior to active duty at 6%. The rate reduction applies to the interest on all pre-service loans and obligations, including mortgages, car loans, credit cards and even federally guaranteed student loans. The interest over 6% is forgiven, not deferred.  Lenders cannot deny or revoke credit, change the terms of an existing loan or refuse to grant you credit because you seek SCRA protections.  Any claim of rights under SCRA cannot be used as the basis for a lender to decide that you are unable...

Tessmer Tips / 24.05.2015

As we prepare to observe Memorial Day this week, we are reminded that our men and women serving in the Armed Forces are afforded certain rights and protections under the law.  This week, Tessmer Tips brings you what you need to know about The Servicemembers Civil Relief Act.   The Servicemembers Civil Relief Act (SCRA), formerly known as the Soldiers’ and Sailors’ Civil Relief Act (SSCRA), is a federal law that provides protections for military members as they enter active duty. It covers issues such as rental agreements, security deposits, prepaid rent, eviction, installment contracts, credit card interest rates, mortgage interest rates, mortgage foreclosure, civil...

Tessmer Tips / 15.05.2015

We finish up with the top twenty mistakes made in divorce today.  We hope you found these tips valuable and informative.  If you have questions about divorce or any other legal matter, give us a call!  We are here to help!   Divorce Mistake #17: Making oral agreements outside of the divorce agreement. Divorce is not the time for oral agreements; your ex may promise you the moon, but without clarifying the details in your official settlement, those promises mean nothing in court. It may feel strange to make everything so specific and official, but in the end, your ex can’t then...

Tessmer Tips / 14.05.2015

We continue with the top twenty divorce mistakes:   Divorce Mistake #14: Failure to develop a parenting plan. Once your divorce is final, your relationship with your ex will change -- sometimes for the better, sometimes for the worse.  The more specific you can be with the start and end times for your kids’ parenting time, vacations, holidays, etc., the easier it will be on them because they will have some routine when the rest of their lives have been disrupted.   Divorce Mistake #15: Refusing to mediate.  The thought of sitting down at the table and trying to hash things out civilly with...