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Most people who are getting divorced assume that if they agreed to a prenuptial agreement before they got married they’re going to be stuck with its terms.

That’s generally the case, which is why if you’re being asked by your betrothed to sign a prenup, it’s a good idea to consult with a lawyer of your own beforehand and to make sure you speak to a family law attorney instead of to a generalist who’s dabbling in divorce law.

Still, contrary to general belief prenups are not necessarily bulletproof. In fact, depending on the circumstances and where you live, a divorce court judge may be willing to toss a prenup aside if the terms are legitimately unfair.

That means if you’re the person seeking the prenup, it’s important to consult with a family lawyer to help draft it.

Take, for example, a case from Michigan. Two days before Christine and Earl Allard’s 1993 wedding, they entered into a prenup under which they each retained sole ownership of all real estate, personal property and “intangible” property they owned prior to the marriage. The prenup also said that if they ever got divorced, all property acquired during the marriage would be split 50-50, but there were significant exceptions to that provision. In addition, they agreed to discharge any claim to alimony, support or any other types of rights “incident to” the marriage or divorce.

Earl filed for divorce in 2010. When the case was pending in court, he asked for a ruling declaring that the prenup governed every possible issue in the divorce except custody, parenting time and child support.

Christine opposed this motion, arguing that the terms of the prenup were “unconscionable,” because after 20 years of marriage it operated to deprive her of any real part of the marital estate. In other words, the terms were so unfair and one-sided as to “shock the conscience of the court.” Because of that, she argued, the contract should be voided and their marital estate should be divided fairly, or subject to what’s known as “equitable distribution.”

The divorce judge ruled in Earl’s favor, deciding that the prenup wasn’t unconscionable, and, more importantly, that Christine had waived the right to equitable distribution under state law by agreeing to a clear, unambiguous prenuptial agreement.

But the Michigan Court of Appeals reversed the decision. Specifically, the court ruled that a court always has the power to engage in equitable distribution if circumstances are extreme enough to justify it.

A case out of Virginia also shows that courts may disregard blatantly unfair prenups.

In that case, Mark McKoy of Norfolk, who was a wealthy residential real estate investor, struck up a relationship with a Spanish-speaking woman in the Dominican Republic. Eventually the woman, Glenys, became pregnant with Mark’s child and the two made plans to marry.

But before the marriage, Mark sent Glenys — who had an 8th-grade education, spoke limited English and whose sole work experience was selling lottery tickets — a prenup stating that Mark’s assets had been fully disclosed to her and that she was waiving the right to any future disclosure of assets. The prenup also deprived her of the right to share in any property he brought into the marriage or any property he acquired during the marriage. It further stripped her of the right to alimony, maintenance or spousal support. Glenys signed the agreement before moving to the U.S. to marry Mark.

After six years of marriage, Mark filed for divorce and asked the court for exclusive possession and use of the marital home and denial of spousal support to Glenys.

The judge ruled against him, deciding that even though Glenys signed the agreement voluntarily, there was such a gross disparity in bargaining power that the prenup shouldn’t be enforced. Now Glenys will have the opportunity to seek both spousal support and an equitable division of property.

The terms of home-equity lines of credit, or HELOCs, typically come due 10 years in, at a time at which many homeowners are unprepared for the fact that their monthly payments are about to go up significantly and sometimes double.

HELOCs are secured by a mortgage, require only interest payments and can be used to consolidate debt, fund major expenses, etc. But after the initial 10-year period the principal becomes due. At that point, homeowners can choose to pay off the balance, refinance it into a first or second mortgage or make monthly payments of principal and interest, typically for a 20-year term.

It is best to consider your options up to a year in advance of the end of a HELOC’s terms.

Homeowners who are unprepared may wind up defaulting, prompting the bank to take legal action to collect the balance or to begin the foreclosure process.

It is best to consider your options up to a year in advance of the end of a HELOC’s terms. For those with negative equity, it may be difficult to refinance. But the lender will be able to walk a homeowner through the options available, including a mortgage modification.

For homeowners planning to refinance the loan or to take out another, shopping for rates sooner rather than later can give banks time to compete, offering more attractive rates to get the business.

yelling at employee AdobeStock 101725144 768x511A “hostile” work environment is one where an employee is constantly confronted with offensive behavior by co-workers or supervisors. This can include sexually charged or bigoted comments and jokes, repeated requests to engage in sexual activity, taunting or insulting personal comments. An employer that doesn’t properly investigate workers’ complaints of a hostile environment, or that investigates but fails to take proper action in response, can face discrimination and sexual harassment claims, as Kansas City, Missouri recently found out.

In that case, LaDonna Nunley, an African-American woman who had worked as a chemist for Kansas City’s water department for 24 years, claimed that a co-worker had engaged in a pervasive pattern of offensive speech directed toward her, including comments referencing genitalia and comments comparing President Barack Obama to a bowel movement. She said she reported the comments to supervisors but they failed to discipline the co-worker.

Ultimately Nunley, who also claimed that she was passed over for promotions in favor of less qualified, younger white workers, brought age, sex and race discrimination claims against the city along with a claim of hostile work environment.

The case went to trial. The jury ruled against her on the discrimination claims but did find that she was subjected to a hostile work environment. As a result, it awarded her a significant amount to compensate her for the harm she suffered and even more in what are called “punitive” damages — extra money designed to punish a person or an organization for especially bad behavior.

water slide AdobeStock 79325001 768x521Water parks can make for refreshing family fun on a hot summer day. After all, who doesn’t love the thrill of speeding down a twisting slide and making that huge splash into the cool water at the end? That’s why approximately 85 million people visited the nation’s 1,300 water parks in 2015.

But in addition to being a huge source of summer fun, water parks can be a place of danger. While most visitors head to the parking lot at the end of the day wet and tired but intact, the lack of national safety oversight, the slipshod design and construction (and spotty inspection) of some park attractions, and the inconsistent enforcement of local and state safety codes inevitably mean that some visitors can get hurt or even killed. In fact, the U.S. Consumer Product Safety Commission estimates that more than 4,200 people are taken to emergency rooms each year for scrapes, concussions, broken limbs, spinal injuries and other serious injuries sustained at water parks.

Some visitors have even died from water park mishaps. So if you or a loved one is injured at a water park, it’s important to speak with an attorney to see what kinds of rights you might have. Depending on the situation, you might be able to hold the park’s operators (or the designer or builder of the ride) accountable.

Take the case of Caleb Schwab, a 10-year-old boy who was killed at Schlitterbahn Waterpark in Kansas City last summer while riding the “Verruckt” (the German word for “insane”). On this particular attraction, which the park advertised as the world’s tallest water slide, riders sit in multi-person rafts and experience what the park boasts is a “jaw dropping” 17-story drop — taller than the Statue of Liberty or Niagara Falls — at speeds of up to 70 miles per hour before being blasted back up a second hill and dropped another 50 feet into a pool.

While specific details are sketchy, some observers say Caleb was ejected from his seat, possibly due to faulty harness straps, and an anonymous witness said he was decapitated in the accident. The ride had been reengineered midway through construction when sandbags flew off during early tests, and after it opened riders had complained of shoulder straps breaking, forcing them to grip handles with their legs to hold on. One of the park’s owners also apparently admitted that he and the designer based their design calculations on roller coasters, which don’t necessarily translate well to water slides. What’s more, state regulators hadn’t inspected the park since 2012, two years before the ride opened.

Caleb’s family ultimately sued the park’s Texas-based owner and the manufacturer of the raft. The case settled out of court for a confidential amount, but the family still may seek to hold other parties responsible, including the designer of the ride.

Another recent case involves a man who visited Sahara Sam’s Oasis Indoor and Outdoor Water Park in New Jersey in 2010. The visitor, Roy Steinberg, fell off a simulated surfboard on the park’s “FlowRider” attraction. When he fell, he struck his head on the bottom of the pool, causing a spinal cord injury that left him a partial paraplegic. When he sought to hold the park responsible, a trial court threw out his case because before entering the park Steinberg had apparently signed a liability waiver absolving the park of responsibility for any harm he might suffer as a result of its negligence.

But the New Jersey Supreme Court overturned the decision. According to the court, the park had committed “gross negligence” by failing to post updated safety instruction signs provided by the manufacturer that if followed might have prevented the injury. Further, patrons who sign a liability waiver are only waiving claims for “ordinary” negligence, not “gross” negligence, the court said.

This provides an important lesson that even if you sign a waiver when you visit a water park, it’s still worth talking to a lawyer.

Water parks without exotic, over-the-top attractions like Verruckt and FlowRider pose risks too. For example, while the water in most pools at water parks is shallower than three feet, there is still a risk of harm, particularly for weak swimmers or children. The risk is heightened in wave pools, where someone can be knocked over and suffer a concussion or even drown.

None of this is to suggest that you shouldn’t be taking your family to a water park on a hot summer day. But you should know the risks and be ready to assess for yourself whether a particular feature seems safe for you or your kids. You might also want to look into who inspects the park and how frequently. If you do suffer an injury at a water park and you suspect it’s related to park operation and design, talk to an attorney to find out how you can best proceed.

employment trump 768x555Since the moment he announced his candidacy nearly two years ago, nothing about Donald Trump has been predictable. So trying to determine what the Trump Administration might mean for employers is guesswork at best.

Still, we can probably expect his overall policies to be quite a bit different than they’ve been for the past eight years, and if he has any intention of keeping his campaign promises it wouldn’t be surprising to see him reverse certain workplace policies that the Obama Administration put into place.

One big area Trump may target is Obama-era executive orders that affect government contractors, since he may view them as hindering economic growth and job creation and it won’t take an act of Congress to undo them.

Executive Order 13672, which forbids federal contractors and subcontractors from discriminating based on sexual orientation or gender identity, could also be vulnerable. In addition to the foregoing, the new administration could set its sights on certain positions taken by the National Labor Relations Board.

For example, Executive Order 13502, which Barack Obama signed in 2009 as one of his first actions upon taking office, strongly encourages government agencies to use “project labor agreements” on federal construction projects costing more than $25 million. These agreements enable construction unions to determine wage rates and benefits for everyone on a project before a single worker is hired. They apply to all contractors and subcontractors and replace any existing collective bargaining agreements.

Opponents say these agreements undermine competition in the construction bidding process and lead to higher costs. As a real-estate developer himself, it’s not hard to see Trump revoking this order, along with another executive order that requires contractors to inform employees of their right to unionize or refrain from unionizing.

Executive Order 13672, which forbids federal contractors and subcontractors from discriminating based on sexual orientation or gender identity, could also be vulnerable.

In addition to the foregoing, the new administration could set its sights on certain positions taken by the National Labor Relations Board.

One such area is the use of class-action waivers in employment arbitration agreements. The NLRB views such waivers, under which employees agree to submit all employment disputes to a neutral third party instead of taking them to court and to do so on an individual basis and not as a class, as violating federal labor law. But Trump will have the opportunity to fill two current vacancies on the board and a third coming up in late 2017 with members he views as more pro-management, which could result in the NLRB taking a different position going forward.

For example, Executive Order 13502, which Barack Obama signed in 2009 as one of his first actions upon taking office, strongly encourages government agencies to use “project labor agreements” on federal construction projects costing more than $25 million. These agreements enable construction unions to determine wage rates and benefits for everyone on a project before a single worker is hired. They apply to all contractors and subcontractors and replace any existing collective bargaining agreements.

A reconstituted NLRB could reverse last year’s “joint employer” decision under which companies are considered joint employers of workers provided by staffing firms. This also extends to companies that rely on subcontractors or have franchisees and is seen as boosting the ability of workers to organize.

Finally, certain Department of Labor rules imposed by the Obama Administration might not survive a Trump presidency. The most controversial was the new overtime rule that raised the salary level below which workers are entitled to overtime pay and made many white-collar workers eligible for overtime. This rule hasn’t taken effect, because a federal judge in Texas ruled that the DOL didn’t have the power to put it in place. An appeal of his decision was still pending as of January, but many employers oppose the rule and one could easily imagine a new Secretary of Labor pulling it off the table.

Given how much is up in the air with a new administration coming in, consider contacting an attorney where you live to discuss how you can best prepare.

real estate creditSubscribing to a credit monitoring service to keep tabs on your credit score can be a helpful way to manage and protect your credit.

But did you know that the score you purchase isn’t always the same as the one the lender obtains from a credit reporting agency?

That comes as a surprise to many borrowers. But the real questions are why is this the case and what can you do about it?

Both credit monitoring services and credit reporting agencies make money by selling credit reports. You can buy an educational credit score from a credit monitoring service when you’re planning to apply for a loan, to manage your debts or to reduce the risk of identity theft.

Lenders, credit card companies and landlords buy credit reports from credit reporting agencies to help predict whether you’re likely to pay your bills on time and/or default on your payments.

There are two main reasons these scores might be different: 1) different scoring models, and 2) different methods of reporting.

Scoring models

Each agency calculates your credit score in a different way, based on statistics or a proprietary algorithm. As a result, it stands to reason that the scores can be different.

Credit providers buy three types of scores from credit reporting agencies: 1) generic scores to evaluate general payment performance; 2) industry scores to predict performance on a specific type of credit; and 3) custom scores, which predict performance by the company’s customer base.

Credit monitoring agencies use generic credit scores to educate you, help you make improvements to your credit and plan for the use of credit in the future.

An industry credit score applies only to your credit performance in a certain industry. That means that the score associated with whether you have paid your car loan in a timely fashion might differ from the industry score related to your performance in paying your mortgage. For example, if you always pay your car loan on time but have missed mortgage payments, it will affect your numbers.

Some lenders also have their own method of calculating a custom score that ranks you in comparison to their overall customer base.

Reporting methods

There are several common ways that reporting methods can cause differences among your credit scores.

The credit providers delivering the data might not give the information to all credit reporting agencies, or they might provide the same data but on different schedules, which can easily lead to differences in your reported scores.

Also, if you change your name or address, the new information has to be matched to the right file to ensure accuracy.

Essentially, creditors can choose what information to report to which agencies and when. While some lenders report monthly to all three agencies (Equifax, Experian and TransUnion), others might report only once per quarter or only when there is new activity on your account. Still other lenders only report to a single credit reporting agency. In addition, the reporting agencies don’t share information with each other, which means the score you buy may not be derived from the same information as the score obtained by the lender.

There’s nothing you can do about what credit score you or the lender will obtain at any given time. What you can do is pay attention to the information in your credit file and make sure it stays updated and accurate.

If you have a common name, confirm that only your own information appears in your credit report. Make sure there are no duplicate items in your report, and if you dispute anything, contact all three credit bureaus.

Divorced parents can battle over a lot of things, including child support, bedtimes, who gets the kids for Thanksgiving or Christmas, educational philosophy, religious observances and stepparents newly arrived on the scene.

Now there’s the issue of screen time. With the increasing pervasiveness of tablets and smart phones, particularly among the younger set, it’s as common to see kids glued to their iPhones or iPads as it is to see adults. But studies show that too much screen time isn’t great for kids. It impacts their attention span and their cognitive abilities, and they can easily become addicted.

family screen timeSo what happens when you want your kids’ screen time limited and your ex is perfectly happy to have them become technology zombies?

The best solution is probably to try to find a way to work it out. Sit down and have a discussion about the impact that screen time may be having on your child’s studies, physical fitness and amount of sleep. Or perhaps discuss the age-appropriateness of the games your child is playing or the apps he or she is using. (For example, an 8-year-old is much too young to be Facebooking, Snapchatting or Instagramming). If it’s just a basic philosophical difference and there’s no legitimate apparent harm to the child, your best bet might just be to let it go. After all, you can still enforce your own rules when your child is with you.

On the other hand, if you truly feel the amount and type of screen time is causing harm to your child, you might consider court intervention, perhaps seeking an order that your child’s usage be limited when he or she is with your ex-spouse. But let’s be clear: You probably won’t win. You’d most likely need hard evidence that your child is missing school or other important activities or has suffered some sort of actual physical or psychological harm from the excessive screen time or supposedly inappropriate use. Otherwise, it’s just a battle of parenting philosophies and the court won’t want to get into that. It also might make you look like a contentious, uncooperative parent, which could impact your standing in other future disputes.

Still, if this is a serious concern of yours, it may be worth talking to a family lawyer about the best way to proceed.