Financing Divorce: Loans Available

In a front page article, Binyamin Appelbaum in the New York Times explored the newest trend in divorce-third parties are investing in and funding divorces.  A funding company “invests” in a divorce and advances the litigant money to pay the costs of the divorce.   The litigant repays the loan at the conclusion of the case- generally as a percentage of their “winnings.”

According to Stacey Napp, the founder of one funding company, Balance Point, “Everybody knows somebody where at the end of the day, the divorce was not equitable,” she said. “We want to help those people, the underdog, to make sure they get their fair share.”

So, is there a need to have a third party to invest in a divorce action?   Perhaps!

Recently, New York amended its law regarding awards of attorney’s fees in divorce and other matrimonial actions.  The law was intended to even the playing field in divorce actions between the money and non-moneyed spouses.   According the law, judges are to presumptively award attorneys’ fees and expert expenses to the non-moneyed or economically dependent spouse.

In most cases, an award of attorneys’ fees is sufficient to even the playing field between moneyed and non-moneyed spouses in a divorce.   However, in the extreme cases, where money and assets have been secreted or the moneyed spouse is employing a strategy of delay and obfuscation intended to economically wear the other party out, third party financing may be useful.

Indeed, Napp conceded that third party funding is not for everyone.

The company wants to focus on people with marital assets between $2 million and $15 million, a bracket Ms. Napp described as “the lower end of the high end.” She said that investing in smaller disputes was not worthwhile. Wealthier people, she said, seemed to resolve divorces more easily — perhaps because they still felt wealthy in the aftermath.

Another concern is control of the case.

Most lawsuit lenders avoid any role in the management of cases, seeking to disarm critics who worry that lenders seeking profits will corrupt the pursuit of justice. Ms. Napp, by contrast, sells the benefit of her own experience.

Ms. Napp said that as she decided to create Balance Point, she realized that she could not settle her own case. “I had to win,” she said. “Because I don’t know that, if you don’t have a happy ending, that people are going to think it’s such a fantastic idea.”

It is no secret that mounting legal fees and the costs of litigation often facilitate the settlement of a divorce.   No one wants to pay legal fees.    If the case is resolved, the hemorrhage of seemingly endless legal fees stops.  On the other hand, if the costs of going forward are removed, there would no incentive to settle.

The “divorce loans” are not free.   The litigant has to pay an undisclosed percentage of the “winnings” to the lender.

Divorce funding would be appropriate in limited circumstances.   It would only be appropriate it cases where the marital estate is sizable and one spouse is economically dependant on the other.   Obviously, this type of financing would not be appropriate where the issues are non-economic, like custody or access to children.

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  248. Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass' favor.
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  251. If you're still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you'll know which is right for you.
  252. The new Zune browser is surprisingly good, but not as good as the iPod's. It works well, but isn't as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that's not an issue, but if you're planning to browse the web alot from your PMP then the iPod's larger screen and better browser may be important.
  253. Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass' favor.
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  271. Vaillant es una de las empresas líder en España en sistemas de calefacción y suministro de agua caliente sanitaria. Están construidos con tecnología punta y cuidadosamente diseñados, proporcionan agua caliente de forma rápida y eficaz en el hogar. Todas ellas pueden ser arregladas a la perfección y sin ningún tipo de problema por nuestros especialistas en Madrid y Valencia. Cuando nos llame, concretaremos la hora para mandarle a un técnico a domicilio para que realice la reparación cuanto antes.
  272. Muchacho/a, cada d´´ia noto que est´´as peor, el alcahuete” al que te refieres en el 920 no ha ejercido nunca de palanganero como das tu a entender en tu comentario, el quita y pon de la palangana es el oficio mas rastrero que existe y parece ser que tu lo dominas a la perfecci´´on. Sacándole más datos, le pregunté por la comodidad de esta suspensión tan maravillosa y que no hace más que dar alegrías al taller. Es posible que en el momento de su bocetado y orgásmicas pretensiones tecnológico-estilosas sobre papel, en seguro que larguísimas reuniones de powerpoints en alguna lujosa sala en Francia (con café y pinchos gratis), fuese un gran coche.
  273. Este periodo comenzará a contar desde la fecha de entrega del equipo al cliente y tendrá validez únicamente sobre la parte reparada y siempre y cuando no haya sido manipulado por terceros. Claro nos duele cuando uno va a una acción militar y uno sabe que el que esta allá también es hermano de uno, también es un soldado que tiene sus necesidades y que también es gente del pueblo, pero durante más de cuarenta años hemos tratado de buscar la manera de que esas contradicciones no las resolvamos en el campo de batalla, porque es lo más doloroso.
  274. Between me and my husband we've owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I've settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.
  275. When I see my child he possesses a room that he maintains his musical equipment in; for that reason, he carries out certainly not prefer the location taken entirely along with a bed.
  276. This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like 'Mixview' that let you quickly see related albums, songs, or other users related to what you're listening to. Clicking on one of those will center on that item, and another set of "neighbors" will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune "Social" is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.
  277. Tan importante como su calidad es la necesidad de disponer de un Servicio Técnico que garantice rapidez y efectividad en las reparaciones, que disponga de recambios originales en las reparaciones, que sea rápido y efectivo y que los usuarios descontentos de aparato del Servicio Técnico sean atendidos por la Marca. Retomando el hilo de mi estancia en HAIER-China, al regresar lo primero que hice fue enviar un informe al Coordinador de Servicios de Europa MAURO MARTIGNONE sobre lo que había visto en HAIER y recogiendo mi inquietud por la falta de servicio técnico y recambios. Pues todo el personal de mi empresa en la Central es el mismo para tus marcas que para HAIER, y los Servicios Técnicos son también los mismos.
  278. Sorry for the huge review, but I'm really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it's the right choice for you.
  279. Hands down, Apple's app store wins by a mile. It's a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I'm not sure I'd want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.
  280. This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like 'Mixview' that let you quickly see related albums, songs, or other users related to what you're listening to. Clicking on one of those will center on that item, and another set of "neighbors" will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune "Social" is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.
  281. The new Zune browser is surprisingly good, but not as good as the iPod's. It works well, but isn't as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that's not an issue, but if you're planning to browse the web alot from your PMP then the iPod's larger screen and better browser may be important.

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