I have been paying child support, my child just turned 18, now what?

In the past several months I have had several phone calls and inquiries about what to do when your child turns 18. In most cases a child support obligation terminates when the child reaches the age of 18 or graduates from high school. However, there are some exceptions to this, including but not limited to, the agreement of the mother and father, disability of the child, health concerns of the child, etc.

What happens when it is time to stop paying? If you are paying directly to the other spouse, you may simply be able to stop paying. However, if you are paying through the state child support office a Motion to Terminate Child Support is necessary. In either case, it is the best course of action to simply file a motion to terminate child support. This way, there will be no surprises later on down the road.

If you have questions regarding your child support obligations or need assistance in terminating your child support, contact an experienced Tennessee Child Support Attorney.

Document Review – A new annual tradition

In estate planning- wills, trusts, living wills, etc. – we as attorneys often find that it is the most difficult to get our clients to start the discussion about estate planning.  Once we have had the opportunity to sit down to discuss the process and execute the documents it becomes  cathartic; that is, there is a sense of relief that their estate is in order.  Most individuals I find want to have wills in place to protect their estate and to help their families through the probate process.  They want to have their affairs in order.

Now, I am going to propose a new tradition to those that have prepared their estate- an annual review of your estate documents.  I am going to suggest that it be April 15th.  No, I am not trying to associate your estate planning, which should be a painless endeavour with the pains of tax preparation!  What I am suggesting is that since you have your file cabinet open, and are filing your taxes away for safekeeping, you should pull out your will to see that it still protects your estate.

Many changes may have happened during the past year that you may cause you to need to or want to change  your will – sale of your residence or vacation home, sale of specific items that were bequeathed to an individual, birth, adoption, or death of a family member, and the divorce of your spouse.  All of these thing may have an effect on your estate and your intentions when you originally wrote the estate plan.  You may want to read through your documents to make sure that the specific bequests still make sense.  Has a family member had a life-changing event that no longer makes the specific bequest the best idea either from a emotional intent or tax consequence point of view?

Often, minor changes to a will can be completed through the use of a codicil.  If you find that a change needs to be made, please visit with your attorney as to the best course of action.  If multiple changes should be made, perhaps a new will is in order.  Even though a new will may be advised, the process will be much simpler than the first time because you and your attorney have had the preliminary discussions about estate planning.  Now, you are just correcting your estate.

People create wills for a variety of reasons.  One of the biggest is to protect those that they care for.  An annual review of those documents is the best way to make sure that your intentions are fulfilled in the most complete way.  Mark your calendars now!

Litigation following the flood – The Coming Storm- Nashville Attorney, John Jay Clark, Sr.

As you know, Middle Tennessee was recently hit by what can only be described as the flood of the century. While people in surrounding states may have dealt with this kind of flood in the recent past, this was something we simply were not prepared for. That being said, a big round of applause needs to go out to our local area governmental bodies for responding as they did. More applause needs to go out to the citizens of this great state for standing up and reaching out a helping hand to our neighbors.

Now, the water has all but dried up and we are recovering from the flood.  However, a black cloud is appearing on the herizon; a new type of storm is brewing. That rumbling noise is not the sound of distant thunder, its the sound of a thousand motivated footsteps from the lawyers that are about to descend upon us. WHY?  When there is a disaster, there is litigation. Some of the litigation will be based upon flood damage and whether or not homes were insured as well as many other issues.  Businesses will likely see a rise in litigation in the coming months as many are not able to fill orders, complete projects or fullfill contractual obligations. Some of the things may be covered in your existing contracts.  Others, like the flood itself, were not expected and therefore not adequetly prepared for.

What to do? Well, with everything, preperation is the best offense and defense. Following the flood, many people are reviewing their insurance policies just to make sure they are adequetly covered for future events. This is one of the good effects of an event like this. Businesses need to take a look over their existing contracts and make a plan for emergency preparedness in the future. If you dont have a good lawyer, find one and find one quick. Nothing ruins the flow of your business like a lawsuit. Even if you know good and well you can win, it takes time away from your business and costs money that you may not have at that moment. So, my words of advice to you are this: find a experienced lawyer you trust, develop a relationship and take care of what needs to be taken care of. Your business is your life and its important to have a plan.

If you have been or think that you are about to go down the road toward a lawsuit, be it against you or you against someone else, it pays to have someone help you navigate through the process. Contact a competent legal professional to assist you.

Loan Modifications

What is a loan modification? 

A loan modification is an adjustment to your existing loan in order to make it a more affordable loan- the goal is allow you to stay in your home and not lose your home to foreclosure.  It is important to understand that loan modifications are not for everyone and they are not guaranteed.  There are many different programs offered through banks and through the government through the American Recovery Act.

Since the enactment of the American Recovery Act, there have been several different versions, and consequently many different requirements and limitations on loan modifications.  It is important to keep up to date on the changes.  The best way to do that is to either visit with your credit counselor or your attorney.

Your attorney or counselor will be able to assist you with your application process.  There are numerous forms that will need to be filled out and some will feel quite intrusive.  Please keep in mind that you are providing the information (annual income, loss of employment, current value of home, etc.) so that your lender will be able to calculate a new monthly payment on your loan.  Your lender may be able to write down the principal on your home in light of your loss of income and a depreciation in your home’s value as compared to the amount you owe.

Be patient- the application process will take time.  It may take six months or more to finish the process.  Once your loan modification is approved, you will be placed on a temporary payment plan.  YOU MUST comply with the new terms for the required number of months in order to move into a new permanent payment structure.  If you miss a payment during this time, you will lose the ability to have a loan modification.

If you are in a position that making payments is becoming a challenge, I would encourage you to visit with your attorney or counselor now and find out what options may be available to you.  I know that it is difficult to talk about financial problems and most individuals would like to pretend that things will get better, but I encourage you to get guidance in preparation of changes in finances now rather than later.

Nashville Flood – Legal Help – John Jay Clark, Sr.

During the aftermath of the Nashville Flood, there are some things that you may forget to do that could have serious negative reprecusions on you later. So, the following is a non-exclusive list of a few things that you should do to make sure that you are protected.

If you recieve child support checks, social security checks or any other type of payment or government benefit on a regular basis and you have been displaced by the storm and/or the flood, you need to contact the agency and let them know where you have relocated, even if it is just a temporary move. Unfortunatly, these bad times breed some bad people and you do not want to lose your money to someone that just happens to find a mail box filled with mail becuase you are absent from your house.

Make sure you file an insurance claim even if you do not think that you are covered. Many federal programs require you to do this before you can qualify for aid.

Find your important legal documents. If they are lost or damaged beyond recovery, contact the appropriate businesses or agencies to get copies sent to you. While an important document is often defined by the person who has it, there are some documents that are essential for you to find or replace.

• The title to your car
• The Deed to your home
• Your drivers license
• Your Social Security Card
• Your Birth Certificate
• Medical records
• Shot and/or immunization records
• Stock and Bond Certificates
• Original Wills and/or powers of attorney or other legal documents (if these have been lost or destroyed they will need to be re-drafted and executed by a competent legal professional)
• Financial Records
• Tax Records
• Military discharge records
• Federal Employment Records
• Immigration Documentation
• Medicare Cards
• TennCare/Medicaid documents

This is certainly not an all intensive list but is intended to be a starting point. If you need legal assistance through this trying time do not hesitate to call upon us at the Gordon Law Group. We are ready and able to assist you with getting past this disaster. While no one ever wants to go through a disaster like the one that took place in Nashville, take this time to make sure that all of your affiars are in order.

Nashville Flood – Questions and Advice – Nashville Attorney John Jay Clark

Today I was interviewed on several nashville radio stations, specifically, 92Q, 97.1 and 99.7 regarding numerous legal issues related to the Nashville Flood. I was impressed by the number of questions that I recieved both on air and by the hosts. Based upon this, I wanted to make a few resources available to people.

What should you do if your home or property was affected by the storm and/or flood?

1. First locate your insurance policy, if you cannot find it, call your insurance company and get a copy as quickly as possible.

2. File a claim even if you dont think it will be covered. Many of the federal grant and relief programs require that you file a claim with your insurance company.

3. File an application for disaster relief with FEMA. Go to www.fema.gov and/or www.disasterassistance.gov. Here you can complete the applications that are necessary to get the process started.

Of course, if you have questions about the numerous forms and documents that need to be completed contact a trusted legal professional to help you through the process. To help find a legal professional to assist you with the process you can go to www.gordonlawgroup.com or to the Nashville Legal Line.

Gordon Law Group, Recent Review, John Jay Clark, Sr.

This post was recently added to the Gordon Law Group, PLC, Google Local Page.

By V. Lamport Prior to my case being turned over to John Clark, I was very dissatisfied with my attorney at Gordon Law Firm. I felt as if I were forgotten about after my initial payment for services was given. Afterwards, it was impossible to get a clear answer about any question I had regarding my case. I was even responsible for gathering information to prove I had a case. I did as the attorney requested even though the firm was to aquire a large amount of my settlement if I had a winning case. Approximately two years after my initial contact, I received word that I had been assigned a new attorney. Finally, I could actually feel relief just by the professionalism and the concern in the voice on the other end of the line. My immediate thought was, “Thank God, my prayer has been answered”! Since that day, I have been treated with the utmost respect from my attorney as well as his partners. My introduction with Attorney John Jay Clark, was to say the least, very pleasant.

He apologized for the actions of the previous attorney and assured me that if I chose to allow him to handle my case he would do everything in his power to help me. I feel I am a good judge of character and I immediately felt that John Clark was the man for my case. Attorney John Clark has offered nothing but the greatest concern and help for not only one case, but several cases for me, with two being emergency situations. He is working to resolve a case for me now and has gone to great lengths to see that my best interest is satisfied. And thanks to Kelly, his very courteous and helpful receptionist, my messages and concerns are delivered accurately and I receive either a response from her or a call from my attorney in a timely fashion. I am confident that future legal matters I may have will be met as long as John Clark is serving others with his exceptional legal advice along with his partners. I highly recommend the staff at Gordon Law Group.  Gordon Law Group, Nashville, Tennessee Attorneys, John Jay Clark, Sr.

Why do I need a lawyer for my divorce? John Jay Clark Nashville Tennessee Divorce Attorney

I hear the rumblings all the time “why do I need a lawyer” or “I could have done this on my own”. So, why do you need a lawyer to represent you in your Tennessee Divorce? The old saying is, he who represents himself has a fool for a client. Why? Well, the long and short of it is that you are too emotionally involved to be a good advocate for yourself. In many cases you feel as though you have been done wrong or that someone is trying to take advantage of you. When these emotions exist it is next to impossible to be able to approach the tasks involved in a Tennessee Divorce in a way that will be beneficial to you. Most lawyers that have gone through personal divorces will tell you that even they, even with their legal educations and experience, have sought out the counsel of another lawyer. They didnt do this in most cases becuase they though the other lawyer was smarter or more gifted in the courtroom than they were, but becuase the other lawyer was not emotionally invested in the intimate details of the case. So, take that old saying to heart! If you are planning on going through a divorce or you have been thrust into one against your will, seek out the guidance and counsel of an experienced Tennessee Divorce Lawyer.

Car Accidents and the Insurance Company – Continued – John Jay Clark, Sr. Nashville Tennessee Accident Attorney

Almost immediatly after posting my last blog on car accidents and insurance companies, I recieved a call from an individual that went something like this

“I was in an accident a couple of months ago, the inusrance company called me and is offering me money to settle my claim. I dont have a lawyer, but I could really use the money right now. Should I go ahead and settle?”

The general answer to this is NO! Why not? Well, you have to ask the question; do you think they are offering you what your case is worth? In most cases the answer to that is NO as well. Insurance companies are businesses just like your local mechanic or dry cleaner. They exist becuase they make or save money. SO, if they are offering you something you can pretty much guarantee it is not what your case is really worth.

My advice to the caller and my advice to anyone approached with this situation is tell the insurance company you will think about it and then contact an experienced Tennessee Personal Injury Attorney to assist you with the process. The time it takes for you to make a few extra phone calls could save you from making a very expensive mistake.

Car Accidents and the Insurance Company – Nashville, Tennessee Personal Injury Lawyer John Jay Clark, Sr.

If you drive a vehicle long enough, sooner or later, you will likely be involved in a car accident. If you live in or around the Nashville area, your chances are probably higher. Blame it on our casual southern temperment or the fact that we southerners seem to have an affliction everytime it rains or, god forbid, snow! Nontheless, accidents happen.  Just becuase you have been the victim of a car accident does not mean that you are entitled to a huge verdict. However, if you have been injured becuase of the negligence of another driver, it is important to know your legal rights. Understand that in Tennessee drivers are supposed to have insurance, but this is not always the case.

If you have been injured as a result of another drivers negligence and that other driver had insurance, chances are you will be contacted by an insurance company representative soon after the accident. Understand that what the adjuster or representative is trying to get from you is information. Most normal people aren’t whiners. Most people when asked the question…”how are you doing”…will respond with “good” or “pretty good” or some like phrase. Again, blame it on our southern sensibilities or our raising not to complain. When that question is asked by an insurance adjuster, be aware, they will use your casual response against you at a later date.

Unfortunatly, injuries that arise from accidents dont always appear at the moment the accident happens. In fact, sometimes it takes days and weeks for the extent of you injury to make it self clear. That which feels like a simple back ache may turn out to be something far more severe.

The sum and substance of this is be wary of making any comments to an insurance company representative or adjuster without first seeking the guidance and counsel of an experienced Tennessee Personal Injury Lawyer. That which seems like casusal conversation may very well keep you from obtaining the damages you are rightfully entitled to.

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