Law Offices of Michael A. Cervini

10/16/2026

Protecting your financial independence during a divorce means properly identifying separate versus community assets and closing joint credit lines. Learn how to navigate asset division effectively. https://www.britannica.com/money/dividing-assets-in-divorce

10/15/2026

Thought your old second mortgage was discharged in bankruptcy or forgiven? "Zombie mortgages" are coming back to haunt homeowners with aggressive collection tactics and foreclosure threats. Know your rights against unlawful debt collection. Read more here.

https://www.consumerfinance.gov/archive/blog/back-from-the-dead-zombie-second-mortgages/

10/14/2026

Uncoupling involves more than just emotional decisions—it requires key financial preparation. From organizing joint accounts to documenting shared assets, taking early steps can protect your interests. Read our guide to preparing for divorce.

The process of divorce includes untangling your finances. Here are 7 key steps to prepare your finances for divorce and avoid costly mistakes.

10/13/2026

Struggling with overwhelming medical bills? While there's no official "medical bankruptcy," filing for Chapter 7 or Chapter 13 can discharge or restructure unpaid healthcare debt alongside other unsecured liabilities. Learn how federal bankruptcy laws handle medical debt

https://www.creditkarma.com/debt/i/medical-debt-in-bankruptcies?

10/09/2026

Considering filing for bankruptcy without a lawyer? Self-represented filers face a significantly higher risk of case dismissal and asset loss. Learn why hiring a bankruptcy attorney protects your financial fresh start.

Learn if you should hire a bankruptcy attorney, what it costs and how legal help can affect your bankruptcy outcome.

10/09/2026

Navigating child custody during a divorce can feel overwhelming. Do you know the difference between legal and physical custody, or how courts evaluate the best interest of the child? Understanding these core concepts helps protect your family's future.

https://www.metlife.com/stories/legal/child-custody/?

Learn about child custody laws, types of custody arrangements, and the factors that affect custody decisions. Get expert legal insights with MetLife.

10/07/2026

Navigating spousal support during a divorce? Do you know how courts determine alimony eligibility or how federal tax laws impact your agreement? Understanding the rules behind spousal maintenance is essential when negotiating a fair outcome.

https://www.investopedia.com/terms/a/alimony-payment.asp

10/06/2026

Filing for bankruptcy instantly triggers an "automatic stay," halting collection calls, lawsuits, and wage garnishments. If gambling losses have drained your finances and creditors are calling, you have options to pause collections and reorganize your debt. Read the details here.

Gambling debt has become one of the fastest-growing categories of consumer debt in the United States, and the reason is sitting in most people’s pockets.

10/02/2026

Trading a house for a car? High auto loan payments can disqualify buyers from home loans and quickly drain budgets. If mounting car payments and credit card debt have you overwhelmed, you have legal options for debt relief. Read more.

Monthly car payments have climbed so high that they now rival a major household expense most Americans consider far more essential, and the ripple effects on savings, home ownership, and debt are reshaping how families manage their money.

10/02/2026

Thinking about filing for divorce but not sure where to start? From deciding between contested and uncontested paths to organizing critical financial paperwork, early preparation is key. Learn what essential steps to consider before filing.

Divorce can be a difficult process to navigate. But proper preparation can make it a faster and smoother transition. Here are 6 ways to prepare for a divorce.