We Americans love lots of things. We love to fall in love, we love to get married, we “love” to get divorced, and we love to move. Almost all of us fall in love (at the very least with our pets), almost all of us get married, almost half of us who get married get divorced, and almost half of us born in one state end up living in another. When our country was formed none of this was true. Marriage was near universal, divorce was unheard of, and most people stayed put.
State rights, one of our nation’s founding principles, made sense back then. It makes far less sense today. But your state of residence determines all kinds of things. These include the penalties for crimes you commit, how much you pay in taxes, how much you can collect in welfare, what you can leave your children when you die, where you can buy beer, whether you can smoke pot, whether you can readily get an abortion, and the list goes on.
One of the biggest issues some married couples face when they move across state lines is how they will fare if they get divorced. (And, again, almost half will untie the knot.) The answer may be far better or far worse depending on the state and even the county in which you reside. I say “may,” because if you reach an amicable settlement, that settlement may be legally approved no matter where you live. But if you have a contested divorce and end up leaving it up to a judge, she’ll likely apply state or county guidelines that can be very different depending on the state or country. Indeed, since only a few states and counties in the country have formal guidelines, the guidelines are mostly those set by the local judge. These judges are, of course, influenced primarily by what other judges in their locality and state are doing.
Why ‘brutal’ divorce laws must change in FlushingBankruptcies resulting from unpaid medical bills will affect nearly 2 million people this year—making health care the No. 1 cause of such filings, and outpacing bankruptcies due to credit-card bills or unpaid mortgages, according to new data. And even having health insurance doesn't buffer consumers against financial hardship. The findings are from NerdWallet Health, a division of the price-comparison website. It analyzed data from the U.S. Census, Centers for Disease Control, the federal court system and the Commonwealth Fund, a private foundation that promotes access, quality and efficiency in the health-care system. "A lot of Americans are struggling with medical bills," said NerdWallet Health Vice President Christina LaMontagne. NerdWallet estimates that households containing 1.7 million people will file for bankruptcy protection this year. Even outside of bankruptcy, about 56 million adults—more than 20 percent of the population between the ages of 19 and 64—will still struggle with health-care-related bills this year, according to NerdWallet Health. And if you think only Americans without health insurance face financial troubles, think again. NerdWallet estimates nearly 10 million adults with year-round health-insurance coverage will still accumulate medical bills that they can't pay off this year. High-deductible insurance plans requiring consumers to pay more out-of-pocket costs are a challenge for many households. "With an average American family bringing home $50,000 in income, a high medical bill and a high-deductible insurance plan can quickly become something they are unable to pay," LaMontagne said. "If you have an out-of-pocket maximum of $5,000 or $10,000, that's really tough," he said. The analysis of rising health costs is the first of its kind for NerdWallet.
How the Affordable Care Act Drove Down Personal BankruptcyWomen are quitting the practice of criminal law at a significantly higher rate than men, according to a new report by the Criminal Lawyers' Association (CLA). The report, entitled "The Retention of Women in the Private Practice of Criminal Law," was released this past weekend at a CLA conference in London, Ont. It found low pay, lack of financial support for maternity leave and being treated differently than male peers by judges and court staff as some of the reasons so many women are leaving private practice of criminal law. Gender inequality stands out in the workplace Ontario law society to drop parental leave program Minority lawyers face discrimination The report confirms what many had been reporting anecdotally for years, according to Breese Davies, vice-president of the CLA. "We all had impressions that women were leaving criminal practice at a higher rate than men," she said. "But we never had any numbers to determine whether or not our impressions were real." Breese Davies, a Toronto criminal lawyer and member of the Criminal Lawyers' Association, said the report found 'an enormous attrition rate' of female criminal lawyers over a span of 10 years. (Phil Brown) The study, authored by Natasha Madon, a postdoctoral research fellow from Griffith University in Brisbane, Australia and Anthony Doob, professor emeritus of criminology at the University of Toronto, examined statistics from Legal Aid Ontario and the Law Society of Upper Canada. They also set up five focus groups and surveyed 225 female criminal lawyers in Ontario. They found many women dropped criminal law after five years and very few were still practising in the area after 10 years. "Most shocking to me was, of the women who started doing criminal law in 1996, there were 47 of them. Eight years later, by 2004, only 13 of them were still doing a substantial amount of criminal law," Davies said. "That is an enormous attrition rate." Sixty-one per cent of those surveyed reported they considered leaving because of low pay, long hours and challenges dealing with the Legal Aid system, a key source of funds for those in criminal law. Many also pointed to the financial burden of maintaining a practice and running an office during maternity leaves. "It's amazing that, given all those challenges, we have any women in criminal law," said Indira Stewart, a Toronto defence lawyer who has been in practice for seven years. "It's such an uphill battle. It's such a tough field, even if you're not a woman." 'A systemic problem' Stewart, who has two young children, says many of the report's findings ring true for her. "The unpredictability of work hours, the logistical and financial challenges in taking a maternity leave and then having to completely rebuild your practice after returning. You really have to start from scratch after you've been gone," she said. "In my first maternity leave, I took less than four months, but even in that short time frame, clients' matters have to proceed, their cases move along and they form a relationship with a new lawyer." The Law Society of Upper Canada has a parental leave program, but it's very limited and requires applicants to pass a means test. 'It's a systemic problem that needs to be addressed.' - Breese Davies, vice-president, Criminal Lawyers' Association Many women also reported a lack of respect and being treated differently than male lawyers by court officers, police, crown attorneys and judges. One reported being called "little lady" repeatedly. Others said they were chastised for asking judges for time to pick up children from school whereas their male counterparts who made similar requests were not rebuked. The study also found senior male lawyers tended to see women as students or assistants rather than fully qualified professionals. Only 22 per cent of those surveyed said they felt men and women were treated equally in the system. "It's a systemic problem that needs to be addressed," Davies said. The study also found that many women gave up private defence practice to take government jobs or become Crown prosecutors, who have guaranteed regular hours, no overhead and benefits, including maternity leaves. Davies said it's important that the practice of criminal law reflect the community and legal profession. "Diversity matters," she said. "We need diverse perspectives to make sure the law develops in step with social values. You do not want a group of homogenous people designing and developing laws." The report makes several recommendations on how to resolve some of the issues women face: Create mentorship programs involving senior female lawyers; Develop education programs and sensitivity training for judges and other court staff; Establish fixed end times for courts and streamline court processes; Provide greater support for maternity leaves; Increase the number of female judges. "There's a lot to be done. These are pretty ambitious recommendations that touch a lot of areas of the criminal justice system," Davies said. She said she hopes to reassess the system in five years. "Certainly in five years, I would hope that we're not losing the number of women we're losing now," said Stewart.