Divorce Law

The Mortgage Loan AKA The Biggest Liability

The equitable distribution laws of Florida do not just apply to assets and property. But also to debts and liabilities. The most significant liability of many marriages is the mortgage on the family home. How can you go about splitting up this liability?

The most comfortable option is to sell the house and split the proceeds. This option makes sense and will usually be in both spouses interests. But the biggest obstacle here is actually selling the home. The housing market today will not make it easy to sell off your house for what you think it’s worth. But if this is a possibility, your Orlando Divorce Attorney will advise you to go for it.

The next option is to refinance the mortgage. In this case, one spouse should be willing to keep the house while the other is ready to let go. The spouse looking to keep it should be able to keep up with the mortgage payments. This spouse has to be able to qualify for a refinance with their income and credit score. This option also is available but not for all. The mortgage was initially obtained by both and getting one to qualify for a refinance is not easy.

When both those options are not available, couples have to stick with the original mortgage. That’s never the best option as you have to expect the other spouse to keep up with the mortgage payments.

Are you wondering about what to do with your mortgage? Consult your Divorce Attorney right away to get the best legal advice for your situation.

Orlando Divorce Attorney, Erin Morse is ready to give you the best legal counsel for your divorce matters. Contact the Law Office of Erin Morse now to find out more. Call her office to get the best lawyer in town for your case.

Ac Repair

Broken Fan, Blown Fuse or What?

Florida is known all around the world for its superb weather during the summer. Many even choose to come out here to spend their summer vacation away from the colder climates. But for those of us who reside here, we know that this heat in Florida can sometimes get unbearable. But even that does not pose as much trouble when we can find the comfort we seek indoors. But if for some reason your AC doesn’t seem to do its job right, then you’ve got a problem. That’s when you should not hesitate to call up Winter Park AC Repair to take care of it for you.

Here are just some reasons why your AC may not be working at its best. Even if you expect it to do so. Your AC’s fan could be broken. If this happens, your AC can start blowing out warm air instead of cold air. Thus adding to the trouble instead of taking care of it.

In other cases, it could have a blown fuse that will bring your AC to a halt. You don’t have to be stuck on your own trying to figure out which one is the case. Or if it’s an entirely different scenario. Here at Winter Park AC Repair, we take care of that for you. We help our clients maintain their indoor air quality at its best levels.

With our professionals here to take care of your AC trouble, there is no need for you to worry. We can guarantee you a quick and prompt service that will take care of the problem.

Don’t hesitate to call up Winter Park AC Repair at any given moment if your AC gives you any trouble. We are here to fix those troubles for you right away. Call now for the best AC repair services in Winter Park.

Divorce Law

What Happens To Retirement Accounts In A Divorce?

During a divorce, marital property will inevitably be divided among the two spouses according to the laws of the state. In Florida, the equitable distributions laws state how these marital assets and property are divided. Marital assets and property can be houses, vehicles and other property that was accumulated during the marriage. But that is not all. Even retirement accounts are considered as marital assets that will be divided during the divorce.

Equitable division of retirement accounts can be tricky and complicated if you do not know the law behind it. But Affordable Orlando Divorce Lawyers are always ready to help you out when it comes to these divorce matters. And who else other than them to know best about these issues.

Retirement plans can be of various forms. There can be traditional retirement plans like 401k plans, IRAs and Roth IRAs. Also, there are defined benefit plans and defined contribution plans. A defined benefit plan can also be called a pension as it gives a specific amount at retirement. The employer usually bears this responsibility. Defined contribution plans, on the other hand, let the employee save up for retirement. This account can even include contributions by the employer. But there is no specific amount guaranteed at retirement.

The amount accumulated in the retirement fund during the marriage will be applicable for the division during divorce. Not only the length of the marriage but each spouse’s contribution to the marriage will affect the end result. A competent Divorce Lawyer can get you the best possible outcome during the divorce.

Looking for Affordable Orlando Divorce Lawyers who can help you out with your divorce? Contact the Law Office of Erin Morse now to get the best legal counsel for your case. Call now to schedule an appointment right away to start discussing your case.


What Do You Know About The Hair Pulling Disorder?

The correct term for the hair pulling disorder is Trichotillomania or TTM. It is an impulse control disorder. It causes the irresistible urge to pull out one’s hair. Usually the hair, eyebrows and even eyelashes. It makes it impossible to resist the urge to do so. And they typically do so when they are immensely stressed and looking for ways to release it.

Trichotillomania can give feelings of uneasiness and tension before pulling out one’s hair. And these feelings can turn into those of relief, satisfaction and even pleasure afterward. They often do understand the consequences of their actions but still cannot resist doing so. And other symptoms can include chewing or eating hair and so on.

As the stress causes these actions, there is usually evidence of problems in work life or social life. Depression and anxiety can also be present alongside this condition. Also, trichotillomania is slightly more common if it runs in the family.

Diagnosis and treatment of trichotillomania can be done by our Ocoee Psychiatrist here at Silver Lining Psychiatry. Treatment of trichotillomania can be in the form of behavior therapy or medication. Behavior therapy can help replace the habit with in a harmless way. Certain medications are also available to resist the urge to pull out hair. The form of treatment can be best decided by a competent Psychiatrist after proper diagnosis.

At Silver Lining Psychiatry, we can help diagnose and treat mental health issues. Mental health needs to be treated with the same importance as of physical health. After all, the body and mind are equally important for all of us. Contact us here and now to find out more about trichotillomania and other mental health issues. We are always here to educate you on mental health and to show the right path to overcome such problems.

Ac Repair

Your AC Can Keep Allergens Away

Are you allergic to dust or pet dander and such? Allergies are common in many people than you think. And these allergies can get worse if your indoor air is filled with these allergens.

People who are allergic to things like dust and pet dander will find that staying indoors worsens their allergies while staying outdoors actually turns out to be easier.

Installing an air conditioner can help maintain indoor air quality within appropriate standards and keep away allergens that trigger your allergic reactions.

When the humidity indoors is high, it can be uncomfortable as well. It can support the growth of some allergens making it more difficult for your family members with allergies. But with a good air conditioner regulating the humidity and maintaining good air quality won’t be a hard task. It can help maintain a healthy atmosphere indoors.

Are you struggling with an allergic reaction? Or was one of your family members struggling with it? Let us help you. Apopka AC Repair company Air Tech can help put a stop to this issue. Indoor air quality maintenance can be done easily by professionals like us.

Installing an AC requires certain maintenance and reparation acts to be done as needed. Air Tech of Central Florida can help you with any maintenance and repairs. We guarantee a prompt service from expert technicians who know their way around your AC. Call Apopka AC Repair company Air Tech to get your issue fixed right away. You can also contact us to conduct routine checks and maintenance for preventative measures. Get the best out of your AC, call now!


Ignoring PTSD Symptoms

Post Traumatic Stress Disorder can be present in many who have experienced traumatizing incidents. Nevertheless, there are only a few who successfully get their case diagnosed from a Psychiatrist. And then obtain treatment needed to overcome PTSD. That leaves many out there who unknowingly continue suffering from PTSD.

The reason for this is that many choose to simply ignore these symptoms of PTSD when they show up. One going through PTSD may find it hard to ignore these symptoms at all. And may end up suffering from the condition alone and trying to “just get on with it”.

But those who are around individuals who are suffering from PTSD have a more significant responsibility. Yet they choose to ignore these apparent symptoms of PTSD that call for the help of a psychiatrist. There are many families that isolate their close ones who suffer from mental health issues such as PTSD. That should not be the case. Instead, those close family and friends should motivate the individual to seek help from professionals.

Reexperiencing symptoms, avoidance symptoms, hyperarousal and negative thoughts all point to PTSD. But you can never surely diagnose a person’s mental health condition unless you are a professional. That is why it is essential to seek the help of a skilled Psychiatrist specialized in these cases.

There are many who believe that mental health issues need not be addressed. They even go as far as to advice those suffering from mental health issues to “just get on with it”. But remember that is not the case in reality. Mental health issues require proper diagnosis and treatment from qualified mental health professionals. And that is precisely why we are here at Silver Lining Psychiatry. Call now to schedule an appointment with the best Winter Garden Psychiatrist. Give mental health the proper recognition and priority that it deserves.

Divorce Law

Do You Need A Divorce Attorney?

Are you thinking of filing for divorce or have you already done so? Wondering whether you and your spouse can go through the divorce without a lawyer?

Of course, you don’t “need” a Divorce Attorney to proceed with a divorce. But there are countless reasons to do so, for ease and convenience.

Complicated and high-asset divorces usually do call for a Divorce Attorney. That is because the spouses need help with child support, spousal support, and time-sharing, etc. Not just that. When there are significantly valuable assets on the line, you might need the services of a competent lawyer. More often than not, many have reported being deprived of what is rightfully theirs, solely because they did not have a lawyer by their side.

Also, high-conflict divorces do need an Orlando FL Divorce Attorney. There are so many matters to be resolved during a divorce. High-conflict cases will find it even harder to do so. And with the probability of moving on to litigation, a lawyer by your side can be very helpful.

Instead, if you and your spouse have no conflicts at all and no children, maybe you don’t need a lawyer. If you don’t have valuable assets worth fighting for, your lawyer’s fees may surpass those assets’ worth. If you and your spouse are in no hurry to finalize the divorce too, a lawyer may not be needed.

But many have claimed that they would’ve had legal representation if they knew the consequences of not having one. It will invariably cost you more in fixing issues than actually getting a lawyer in the first place.

Wondering if you really need a lawyer for your divorce or not? Get a competent lawyer’s opinion right away. Call the Law Office of Erin Morse to find out if your case requires the assistance of a lawyer or not.