Tag Archives: Sugar Land

3 Tips for Parents Going Through Divorce

032cc38c6b791fc5612c6823ab93fb44In my practice, I see many people at their absolute worst. Their marriage is over, and they’re coming to me for advice and counsel during the divorce process. Some of those people have children which further complicates matters. How does one navigate the divorce process without taking their children on an emotional roller coaster? Frankly, this is a difficult question without a simple solution or answer because every family is different, but these three guidelines are critical if you want to exit your marriage with as little damage to your kids as possible.

1. Never Bad Mouth the Other Parent

This one may seem obvious, but if you’ve been served with a divorce citation, you probably have some choice words to say about your soon to be ex. You should share those choice words with your divorce lawyer, your therapist, your best friend, or your pastor. Who you should not vent to under any circumstances is your child. It doesn’t matter if he or she is an absolute scoundrel. Your child loves her other parent just as much as she loves you. It’s not fair to place a child in the middle of an adult situation by deriding your spouse. It will drive a wedge between you and your child and place you in a terrible light when she gets old enough to process what you said about her other parent. Find healthy ways to express your frustration but keep it away from the little ones.

2.  Avoid Using Your Child as a Bargaining Chip

Similarly, parents going through divorce have to navigate several issues such as who will stay in the family home, who will pay child support, and what the possession and access arrangement will be for the children. Although it may be tempting to punish your ex for his or her wrongdoing by withholding access to the children, please do not do this. Your children will not understand, and it’s simply not in their best interest. The family unit as they know it is changing dramatically; do not make that change even more severe by making the children feel guilty for wanting to see both parents on a consistent basis. Doing so is emotionally abusive and could severely impact your child’s well-being.

3. Maintain Their Routine

Your children may not tell you this, but the day to day happenings in their life are what makes them feel safe. Eating breakfast, getting ready for school, catching the bus to school, sitting through classes, going to extracurricular activities, and doing homework are all a part of their daily routine. If you and your spouse are going through a divorce, it is likely that their routine has been interrupted by one of their parents moving out of the home, or by them moving away from one of their parents. Some interruptions are unavoidable, but if you can minimize the disruptions from your child’s daily life, your child can continue to develop and grow as an individual. The more you provide stability for your children, the less likely they are to resent either of their parents for divorcing. You and your ex have a responsibility to let your children know that you both love them unconditionally even though your marriage is ending. You can show that love by maintaining their routine as much as possible.

We all love our families. Sometimes it’s hard to know if we’re doing the right things for them. If you’re contemplating divorce and need practical advice and guidance, feel free to give me a call at 713-574-8626.

Easy Target for Identity Theft Update

Less than a week after writing a blog about staying safe online and protecting your confidential DSC08847-Binformation from thieves, I made a rookie mistake. It’s embarrassing to admit that even though I know better, every now and then I throw caution to the wind and make a payment online using an unsecured wireless network on a site without proper encryption technology. This is the equivalent of inputting passwords on a public computer (Very bad). What happened to me is a cautionary tale that won’t happen to you if you’re reading this and take heed.

The office building where I work has an unsecured wireless network that essentially everyone in the building has access to. Guests and visitors can’t access it without the password, but the hundreds of other people on this floor are all sharing the same WiFi. For the four years of my business residence, this has been a non-issue. Then, suddenly I found the perfect guitar accessory online: a gold capo. For the non-musicians out there, a capo is a clamp that you use to change a guitar’s pitch for certain songs. The best part about this capo? It costed a mere $2.14. I was sold.

When I processed my payment, I used my credit card, pressed order and went on about my day. I received the capo about a week later, and life was good. Until a few days passed, and I noticed an email receipt for $5.00 at Coca Cola. Strange. I don’t recall buying anything for that amount. A few minutes later, I got an email receipt for $12.54 at a costume store in Las Vegas, Nevada. I knew foul play was afoot. Immediately, I called the bank and started the dispute process and hung my head in shame. How could I advise people on protecting their information when I’m online buying guitar accessories with reckless abandon?

I’m not sure if one of my coworkers stole my card information right before vacation or if a random teenage internet hacker caught me by surprise to teach me a valuable lesson. In any case, the hyper vigilance campaign is on. Learn from my mistakes and be smarter online and in life. Change your passwords often. Make your online purchases from reputable websites with payment encryption in place for their transactions. And never ever, under any circumstances, trust your fellow travelers on an unsecured network. You don’t know who you’re surfing with at that coffee bar or restaurant, so why take the risk?

For legal advice when it counts, contact me at (713) 574-8626

Are You an Easy Target for Identity Theft?

OLYMPUS DIGITAL CAMERAIn the course of my practice, I have met some lovely people facing unfortunate circumstances. No one is thrilled about filing for consumer bankruptcy, but that feeling is multiplied ten fold when it is due to someone else ruining your finances. Within the past few years, I’ve met an increasing number of identity theft victims. Not all of them had to seek  bankruptcy protection, but every single one of them felt vulnerable and violated. It is the attorney’s role to protect the private information of her clients, so we take the necessary precautions at the office to do so. It is also my job to share this knowledge with others in the interest of a more equitable and just society. Here are four key ways to safeguard your personal information.

1. Store your personal documents in a safe place. Your social security card, medical records, credit card offers, and tax returns should be kept in a locked cabinet or a safe deposit box in a bank. The number of people whose identities are stolen as a result of a stolen purse or wallet containing their social security card is astonishing. Don’t carry it with you. Similarly, your mail contains information that a thief can use to impersonate you in stores or online to open credit accounts. Be sure to check it promptly, and consider opting out of promotional offers.

2. Keep an eye on your accounts. Most banks and credit card issuers have a process for investigating suspicious transactions, but you can’t alert them promptly if you don’t check your account history on a regular basis. Sign up for online banking and be on the look out for transactions you don’t recognize. It’s also not a bad idea to subscribe to a monthly credit monitoring service to confirm that your debts are reported accurately and reflect only your account activity. If you don’t want to pay for credit monitoring, you can always request a free copy of your credit report every calendar year at www.annualcreditreport.com.

3. Be cautious about sharing on social media. Many people (myself included) are active on social media in one way or another. That’s fine. No judgment here. However, if you’re traveling to Tahiti for your yearly vacation with the family, it might be wise not to announce it on Facebook. You never know who your friends are connected to, and depending on your security settings, you could be announcing your departure to a large number of people you don’t know at all. No one likes to think about the fact that when you are abroad, your home is fair game for thieves for the entire duration of your trip. Tell your close friends and family your whereabouts. Your status updates and photos can come after you’ve enjoyed all that Tahiti has to offer.

4. Mind the shoulder snoopers. When you’re in the grocery store checkout, and the time comes for you to swipe or insert your card, sometimes you’re not alone. Sometimes there is a person  possibly unfamiliar with Western standards for personal space. That person may be hovering over your shoulder. What do you do? If you’re able to swipe your card, and you’re using a debit card, run it as a credit card. This way you can bypass the need to insert your pin. If you’re using an EMV chip card, it may be a good idea to cover the key pad or ask the cashier to enter your transaction as a credit purchase. A person who is physically close to you can look over your shoulder and clearly see your PIN number, and if he or she has a credit card cloning device, could make many more transactions from your card without you ever knowing. EMV chip technology has cut down on some of the risk of card cloning, but not every card issuer has embraced chip technology. It may seem rude to be suspicious of your neighbors, but better safe than sorry.

There are wallets that claim to protect your cards from cloning. They have mixed reviews at best, but with some simple common sense, you can avoid being victimized by thieves. An ounce of prevention is worth a pound of cure. Be safe out there.

For more information on this topic, feel free to contact me at (713) 574-8626. I’d love to hear your thoughts.