What to expect when speaking to a divorce lawyer

Divorce-Lawyer

If you are looking for a divorce lawyer and have made the tough decision that it is time to end your mortgage, it can be difficult to know where to start.

The initial consultation can be extremely nerve-wracking and doing some pre-meeting research and preparation is essential to making a positive start to your work together.

This blog will tell you exactly what to expect from your first meeting with a divorce lawyer and give you some top tips for how to make your conversation as productive as possible.

Be ready to get personal

In order to give the most effective counsel, your lawyer will need to know all the details relating to your case.

Given the nature of divorce cases, this will mean that you need to be willing to talk about potentially highly sensitive and emotional issues right from the start.

Some of the information that a divorce lawyer is likely to ask for in your first consultation includes your children’s current arrangements, where you live, the state of your finances as a couple and alone, how long you have been married, and what you are looking to get out of divorce proceedings.

They will also need to know what caused the marriage to break down as this information can be crucial to setting realistic goals for the outcome of the case.

Make a list of priorities

In order to represent you in the best possible way, it is important for your lawyer to understand what your priorities are during divorce proceedings.

Financial settlements, children’s living arrangements, and division of assets such as property are all often the focus of divorce cases, and knowing exactly what you want to get out of the separation will allow your lawyer to develop a gameplan focused on achieving your goals.

Be Honest

It is vital that you are honest with your divorce lawyer about the circumstances surrounding your divorce.

Without all the relevant information at hand, it is impossible for a lawyer to act most effectively in your best interests, and they could be blindsided later in proceedings.

Details such as new relationships, finances, and the events that led to the start of divorce proceedings are all factors that could be crucial in deciding the outcome and you need to be completely honest in regard to these particulars.

Although it may be tempting in the heat of the moment, there is no benefit to putting exaggerated blame at the door of your former partner, if the evidence does not support your statement, so stick purely to the facts at all times.

Be Realistic

A divorce is a negotiation process and managing your expectations is key to not being disappointed with the outcome.

If you come into the process expecting to be granted sole custody of the children, all the money in shared accounts, and the house, you are likely to be disappointed so setting realistic goals is vital.

Some of the key facts about the divorce process that you should understand prior to beginning legal proceedings to avoid unrealistic expectations include:

Divorces can take a long time

On average, in the UK, divorces can take up to 9 months to finalise. Even then this is only to formally end the marriage agreement in the eyes of the law, and any specifics concerning children or finances can take much longer to resolve.

Sole Custody is rarely the best option

Family law is focused on making decisions in the best interests of children caught in the middle of a divorce, and when possible, will always look to ensure that they have access to both parents’ post-separation.

Unless there is genuine evidence that your partner is an unfit parent and cannot be trusted to care for their children, it is very unlikely that you will be granted sole custody, and attempting to achieve this outcome is generally a bad idea.

Finances will almost always be split

If you go into a divorce thinking that you won’t have to share any finances or assets with your former partner, you will probably be disappointed.

If you have been married for more any significant period of time it is likely that money and other assets such as property will be considered legally joint and the default point for negotiations will be a 50/50 split.

It may be that in the right circumstances you are able to secure more than this but expecting to retain 100% of your house, pension, or savings is not a realistic approach.

Contact Oracle Law

Oracle Law Family Law is the leading supplier of top quality family law services at fantastic prices for customers across Scotland.

For more information, or to arrange a consultation, call us now on 0141 332 0915, or fill out our contact form.

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Mortgage-Banker-vs-Mortgage-Broker

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Can I go straight to a lender?

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Can I trust mortgage brokers?

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Using a trustworthy broker will save you money over the course of your mortgage application, but always remember to check the reviews and affiliations of brokers and ensure they offer whole-of-market services.

If you are unsure if you can trust a mortgage lender then you should start by ensuring they are authorised and regulated by the Financial Conduct Authority (FCA).  If a broker is registered to the FCA then they are committing to strict criteria and must act in the best financial interest of their customers.

By using an unregulated broker, you are putting yourself at significant risk as you will not have grounds to redress if the advice that you were given proves to be unsuitable. If you received poor guidance from an FCA approved broker, then you may be eligible for compensation if you feel you did not receive an acceptable service.

CSR Financial Services are an FCA regulated independent whole-of-market mortgage broker, who have no deals or limiting contracts with specific lenders, and by trusting us to manage your mortgage needs you can be assured we will be solely focussed on securing the best deal for you.

Will going direct to lender save me time?

If you are looking to secure a mortgage as quickly as possible dealing directly with the mortgage provider may seem like the best approach.

However, if you do not have a broker to make sure that all your documents are in order and assess your financial status before making an application then you may end up wasting a lot of time.

By assessing your income, expenditure, and future financial commitments, brokers will be able to narrow down your search and discard mortgage options that they know you will be unlikely to be approved for.

Lenders have complicated underwriting and loan terms which you must meet and if there are problems with your application or you are not deemed suitable then you will likely be declined instantly. This means you will have wasted a huge amount of time and energy on a task which a broker could have instantly told you was not worth pursuing.

If you have found your dream property and are in a rush to get a mortgage, your best option is to talk to a mortgage advisor glasgow and explain the situation. They will be able to conduct their search in an efficient manner and make sure you do not miss out simply because you spent too much time applying for the wrong mortgage deal.

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Fast Lean Pro Powder contains a carefully selected blend of ingredients known for their weight loss benefits. Some of the key ingredients include:

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https://www.thewealthmanagementexperts.com/

Wealth management is a specialized financial service that offers clients advice on investing, taxes, charitable giving, estate planning and more. It’s typically suited for affluent individuals with more complex financial needs and goals.

Investing

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As the global economy continues to reshape, insurers are adopting new strategies and embracing digital infrastructure that reduces friction between them, their agents, and their clients. This helps them scale to embrace new business models and economic conditions.

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