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Getting married can be one of the most fulfilling moments of a person’s life. And while married life does have all its glorious moments, it’s not always going to be easy nor is it going to be great. There will be challenges that will come up and test your marriage. These challenges may come in the form of bad days and arguments, but they can also come in the form of financial problems. One perfect example would be student loan debt. But just how much can this kind of debt affect your marriage? Making Ends Meet For some couples, especially those just starting out, working on sustaining themselves becomes a top priority. There are things you’ll have to look after, such as groceries, bills, and maybe even rent among several other expenses. And the expenses don’t stop there. Life, after all, is unpredictable, and there might be things that happen that you weren’t expecting. A trip to the doctor, for example, is one. Working out finances can be hard and having debt from a student loan can only make things harder as that means leeway for you to spend on other things just to make sure you make ends meet. This can put a lot of stress on couples, especially if they aren’t financially well-off yet. And for some people, this stress can even cause marriages to end. What You Can Do While the thought of debt can be very stressful, especially on top of all the other financial and non-financial stresses you’re experiencing, there is still a way to make things work. The first thing you can do would be to communicate. The best way to work things out with your spouse would be to talk to them about it and be honest with them. And then you can […]

The Impact of Student Loan Debt on Marriages

second marriage
People always say we learn from our mistakes. It makes us wiser, stronger, or can also make us scared of certain consequences. Matters like divorce, which involve legal consequences will make us think twice again before considering another marriage.  In the Texas Family Code, the first marriage is the only valid marriage. Any succeeding marriages are void unless the first one will be terminated by divorce. Financial Pros and Cons Pros:  Life is easier when you share with someone your expenses. Investing seems to be not so difficult. Having a partner, especially when you have kids, will lighten your worries. Moreover, you become financially sensitive. You’ve learned from your previous relationship what has gone wrong and you apply it in your current situation. You learn to consider the financial needs of your partner and you also start to plan your finances together with him or her. Cons: One of the top factors affecting divorce is financial incapacity. Rising family expenses are usually the primary cause of misunderstandings of couples. Married life is a long process of adapting to the financial needs of each other.  In Texas law, alimony is being given by one spouse to the supported spouse after divorce as ruled by the court. Do note, however, that the Texas Family Code provides that alimony will not continue if the supported spouse will remarry or even when that spouse cohabits with his or her new partner.  Emotional Aspect Pros:  The experience that you have encountered in the past will give you emotional maturity. You will be able to understand what your partner needs. In addition, having a companion and building a family with someone you love lessens the burden that you feel.  Cons:  Your first divorce may have stressed you out. In some ways, this may have an effect […]

Consequences of Entering a Second Marriage

gaming addiction and divorce
Ever since they came along, video games have provided us a form of entertainment. Some play for fun while some immerse in an entirely different world. Games gave an avenue to just tune out of the world for a bit and enjoy ourselves. That doesn’t seem too bad, right? Life can be stressful after all, and video games are just another outlet for us to let out some stress. But just like all things, too much of it can be bad for you. Addiction recognized by APA The American Psychiatric Association (APA) recognizes that people can indeed become addicted to video games. If playing video games to the point that some aspects of life suffer, it’s an addiction. Addiction to gaming affects health, relationships, and professional life. APA calls this addiction “Internet Gaming Disorder”. Even though it is called Internet Gaming Disorder, this doesn’t mean addiction isn’t limited to games online. All sorts of video games are considered. Even the UnityPoint Health Illinois Institute for Addiction Recovery recognizes that impulsive and compulsive overuse of video games is characteristic of a video game addiction. The fact that these behaviors are recognized by institutions such as these proves that it is a pretty serious issue. Divorce If you allow video games to take control of your life and cause you to neglect other aspects of your life, things won’t get any better for you unless you do something about it. Though video games aren’t the ones that can ruin relationships, it’s the addiction to it that can. Choosing to spend money on video games over the needs of your family, choosing to spend more time playing video games instead of spending time on your marriage can only cause harm to your relationship with your spouse. Neglecting your marriage because of video games […]

Can I Divorce a Spouse Addicted to Video Games?

bigamous marriage
The usual notion of marriage consists of two major attributes. Firstly, that the marriage will last a lifetime. This is why we have the vow that only death will part the married couple. The second attribute of marriage is that it is only meant for one person. The legal definitions of marriage are also based on those two attributes.  As we all know, there are many instances when the spouse could not deliver on this promise. Most of the time, they end up in divorce, but there are instances when they also result in bigamy. Texas Law on Bigamy The legal definition of bigamy is when you marry someone while you are still married to another person. In Texas, the Family Code states that adults can only enter into one marriage. Thus, any other marriages will not be recognized. The spouse from the existing marriage is considered as the legal one until the first marriage is legally dissolved.  This means that the second spouse is not recognized by law. The existence of the first marriage voids the second. There is no way around it until they are divorced or annulled.  It is very important for you, as the second spouse, to understand that you do not have any rights or privileges as a married individual. All of these rights belong to the spouse from the original marriage. You will not have any tax benefits, you cannot be the beneficiary of insurance or 401k plans, nor will you be considered for any life-or-death decisions. Those still belong to the first—and technically, the legal spouse. Another detail that you must take note is that any property that your spouse will accumulate during the time of your marriage will be considered as community property for the first spouse. That means you do not […]

I am in a Bigamous Marriage, What are My Rights as the Second Spouse?

Marriage is a union between two people who want to share their life together “for richer, for poorer.” It is common knowledge that they are to share their assets, and that is usually a pleasant discussion. However, when liabilities are the topic, specifically debt, how much accountability does a spouse have? The laws in Texas have specific guidelines with regards to the extent of responsibility you have for your spouse’s debt. Here are some factors that need to be considered: Community Property Laws One key factor to consider is that the state of Texas recognizes Community Property Laws. Thus, every property that the couple acquires or purchases is deemed community property. The exceptions are the property acquired prior to the marriage or property inherited or received as a gift to him/her alone. How does this apply to liabilities? Under typical circumstances, both spouses are equally liable for the debts incurred, regardless of whose account it was charged to. However, there are different situations which often result in different extents of liability. Divorce It is a misconception that Community property also translates into community debt. While it is true that spouses are responsible for each other, that concept is limited to “necessities.” That extends to the purpose of the debt incurred. If the debt was used to acquire necessary items like food, shelter or clothing, it is considered community debt. A credit card charge for a luxury bag, for example, may be disputed as an exception to community debt. It may not seem equitable for the spouse to be liable for that after divorce. However, there are also exceptions to this. Debts Incurred as a Couple There are instances when debt is incurred as a couple, and this agreement is recognized by the divorce court. Thus, if both spouses agree to […]

Am I Responsible for My Spouse’s Debt?

social distancing
Countries around the world have been fighting their own battle against the coronavirus pandemic for a number of months now. Because there isn’t a cure for it yet, the next best option we all have is to avoid spreading the virus. One common method utilized by all the countries in order to do this has been social distancing, requiring people to avoid coming into close contact with others. And while this does help lessen the chances of getting the virus, it has forced people to stay in and even stay apart from others. So, with all the distance and isolation, how does one keep their family together? Take Advantage of Technology For some people, social distancing may mean that you’ll have to stay apart from your family members. For other people, it may mean you’ll have to stay in with your family in the meantime. If your family happens to be apart, you still don’t have to worry. With the advent of technology, there are several ways to keep in touch now. So, you can always chime in on family members that are far away from you with the help of a messaging app. Maybe you can even make a chat group for your family members, so you’re all still somehow together. While it may not be as good as having them there in person, it’s at least a better alternative than not having them there at all. Cabin Fever Social distancing will force people to stay in. And while this is for the best, it will also take its toll on a lot of people. It’ll definitely be harder for some people staying in, but there are still some things you can do to help. Aside from keeping in touch with your family members that are away from you, […]

Keeping Your Family Together Amidst Social Distancing

marriage and business
Married life isn’t easy. Whether you like to admit it or not, there are just some aspects of your married relationship that are tough to navigate. Imagine how much harder things can get if you happen to be business partners with your spouse. There’s just so much to watch out for that it might just seem impossible to do. That doesn’t necessarily mean that it can’t be done though. There are just a lot more things that you need to keep in mind if you do find yourself in that situation. Communication is Key As with every relationship, the best way to make things work would be to communicate. Whether it’s something about your marriage or something about your business, the best way to make sure that things don’t go terribly awry would be to talk about it with your spouse. By communicating with them, allow them to know what it is your feeling and what’s going on your mind. Telling them gives them a chance to understand where you’re coming from and gives them a chance to do something about it so that things can continue to go smoothly. Communication is always key. Divide the Responsibilities In any workplace, there is always a chance for conflict. Sometimes you might feel like you could do a certain task better, sometimes you feel like you’re doing what you shouldn’t be doing. In order to avoid this, or at least lessen the chances of conflict from happening, it’s best that you divide the work responsibilities between you two. Keep in mind what your strengths and weaknesses are and use those to help figure out who does what. That way you maximize productivity for both of you and avoid any possible conflict that can arise. Don’t Mix Work with Home Life Even if […]

How to Be Business Partners and Stay Married

trial separation texas
There are times when a spouse is not sure about divorce. The spouse may only want some time alone, or there might just be a crisis they have to hurdle.  In any case, there are some counselors who would advise having time apart from each other. Are there any legal parameters for this kind of arrangement? Legal vs Trial Separation There are different types of separation. There is legal separation and trial separation.  In a legal separation, there is an agreement by both spouses that they would live apart. But legally, they would still be married. The usual question is: why would they not just get a divorce instead? Legal Separation offers the same benefits to married couples. These benefits include: Community property Healthcare coverage for the other spouse The spouses can resume marital union at any time without any complications (because they are still legally married). The state of Texas does not offer legal separation. Generally, a trial separation is only an informal agreement. However, the court may recognize it if in a legal document. You can agree in conditions and have a signed agreement. This option is for couples who are unsure of divorce but wants space from each other. Making the Separation Agreement Binding As trial or legal separation is not recognized by the state of Texas, there is no formal agreement required. What the separation agreement actually does is offer a level of accountability. If the judge signs the agreement, a court order may be issued for the custody terms, visitation rights, child support, etc. The separation agreement then works as a legal contract when sought with the aid of the court. It is signed by both parties and the judge. The purpose is to have a written record of the conditions of the separation as […]

Trial Separation in Texas