Before you file for Bankruptcy: Read This

 

Bankruptcy is seen as a fresh start for many people.

Bankruptcy is prominently mentioned in the Constitution. Article 1, Section 8, Clause 4 of the United States Constitution provides:

The Congress shall have Power To…establish…uniform Laws on the subject of Bankruptcies throughout the United States….

Bankruptcy is a necessary option for those with a high debt to income ratio.  However, it does come with serious consequences. Your credit will be ruined for up to 10 years, the process will cost you atleast 1-2,000$ to file and lenders will be very weary of you.  As a Bankruptcy paralegal myself, I would not recommend anyone file for bankruptcy who has less than 10,000$ of debt.  Debts can be paid down, negotiated, and so forth without destroying your credit report! However, if you find yourself in the midst of a foreclosure or simply cannot see a foreseeable way to escape, then bankruptcy could be your best option. If you are thinking about this option, consider these 10 strategies.

  1. Pass the “Means Test”:  If you are single and make under $40,000 per year, you will most likely qualify for a chapter 7 bankruptcy. If you are married and your combined income is less than $80,000 per year, you will most likely qualify. Some couples will strategically file for separation during a bankruptcy process in order to reduce their household income, however, the bankruptcy trustee will investigate your living situation to ensure it is a legitimate separation.
  2.  Replevin Orders are often needed to recover property from a debtor, which require the creditor to take you to court. Small items such as toasters, Televisions, or any item that is worth less than $1,000 is often able to be retained if the debtor is brave enough to call the creditor’s bluff. Replevin orders cost money and time. In my years working as Bankruptcy paralegal, it is extremely rare to see any creditor file for a Replevin order on any item worth less than a grand.
  3.  Credit scores can be strengthened after bankruptcy if you obtain a secured credit card and pay it down fast after making small purchases.
  4. Do not purposefully rack up debts on entertainment(non-essential) items and then immediately file for bankruptcy. Most debts younger than 90 days are generally scrutinized and are considered “fraudulent”  debts in many bankruptcy cases.
  5. Chapter 13 bankruptcies will save your house  from being foreclosed upon, however, it will only buy you a few months. If you fail to make payments on your Chapter 13 plan, the foreclosure process starts all over again.
  6.  Chapter 7 bankruptcies will not clear out mortgages and auto loans.  Expect to give back those properties after your case has completed unless you enter into a “reaffirmation agreement”.
  7.  Negotiate your reaffirmation agreement with your lawyer or better yet, try to avoid signing into one! See if the creditor will continue taking payments at the same rate as before. Oftentimes, creditors will try to get you to enter into a new agreement with higher rates to benefit themselves.
  8.  Child support is a non-dischargable debt.  However, filing for a Chapter 13 Bankruptcy can help you reorganize your child support debt and save you from getting your drivers license suspended.
  9.  Student Loans and owed Tax debt are generally considered non-dischargable. In some rare circumstances, they can be discharged.
  10.  Show up to court! If you don’t get a notice in the mail from your lawyer, call him/her! Missing your court date can cause huge delays and possibly have your case thrown out. It is imperative that before you file for bankruptcy, you save up some personal time off from your employer. The judge doesn’t care about your excuses. If you don’t show up, it takes alot work from the lawyers, paralegals, and courts to get a new court date. Your lawyer and the paralegals who assist will certainly thank you for making their job much easier!

 

These are just a few basic tips when it comes to filing for bankruptcy in Chapter 7 and Chapter 13 cases. If you have any additional questions. Feel free to contact me at Naliniglobalconsulting@yahoo.com

 

-Randell Stroud

2018

student loans are killing Americans

 

The United States government is about $20 trillion dollars in debt currently. The number is consistently climbing. With the collapse of Fannie Mae and Freddie Mac, financial institutions are more volitale than ever.

For many college graduates, student loans can feel like a financial death sentence. Child support, Taxes, Alimony, and Student loans are generally unforgivable in bankruptcy cases. So, what is a graduate to do if they cannot find a great paying job with their degree?

The good news is that there are well known options like “deferment” of payments and income based payment plans. However, many fail to realize that there are numerous grants and applications that can be used to lower your payments even further or have part of your balance forgiven.

Those who work in public service are the best candidates to have part of their loans removed. Teachers, lawyers, public defenders, and those who make less than 10K a year have a plethora of options for relief.  You can also challenge the accrediting merits of a school in order to have your loan forgiven.

Public Service Loan Forgiveness
Forgiveness from an income-driven plan
Federal Perkins Loan cancellation
Loan forgiveness for teachers
Loan forgiveness for nurses
Loan repayment assistance for doctors and other health care professionals
Loan repayment assistance for lawyers 
Additional student loan repayment assistance programs (LRAPs)
Military student loan forgiveness and assistance
Student loan discharge for special circumstances

If you need help processing your application or advice upon qualifications, feel free to set up a consultation with me by donating $30 on our support page .//naliniglobal.wordpress.com/support/

After you complete that step, shoot me an e-mail at naliniglobal@yahoo.com so that we may schedule a consult!

In liberty,

Nalini-Global

Where is the International Day of The Boy?

Today the United Nations declared that October 11th, would now be considered “International Day of The Girl”, bringing awareness to the fact that 1 in 4 girls world-wide will become married before the age of 14.  Girls are also more likely to end up as sex trafficking slaves than boys are. Girls are also subject to genital mutilation in developing countries like Sudan, Afghanistan, and Ethiopia.

As these girls turn into women, 1 in 4 of them will end up in an abusive relationship.  Being a girl/woman, in human society is rife with challenges that should never be ignored or marginalized. However, as a gender studies enthusiast, I noticed that there is no international day of the “boy”. It shouldn’t come as a surprise. According to studies, “Fathers Day” generates 1/4 of the income from sales as compared to “Mothers Day”.  If Fathers are being ignored in their importance, then why not their sons too? Makes sense….

We must recognize that boys/men face unique challenges that girls/women do not. For example,  According to “Child-soldier.org”,  in the last 10 years, over two million child soldiers ranging from the ages of 4-15 years old, have been killed in combat. In places where child soldiers are used, more than 95% of the time, the soldiers will be boys. In fact, the military draft, including the United States, only targets men. In most countries, women are not required to sign up for conscription.

As far as genital mutilation is concerned, over 70% of newborn male babies are circumcised. A process that is not medically necessary and causes extreme pain and disfigurement to the male reproductive organs.  The foreskin that is removed contains thousands of nerve-endings, once removed, many pleasure sensing nerves and self-cleaning organisms are removed in the process. After the operation is complete, the hospitals keep the foreskins and use them for other medical procedures. Essentially, they are harvesting free organs, mainly because this sort of mutilation is socially acceptable. However, when we discuss “Female Circumcisions”, then suddenly it becomes a human rights issue.

Boys who will later turn in men are subject to many shocking statistics. Men live up to 3-5 years less than women. Men are 3 times more likely to commit suicide. Twice as likely to file for Bankruptcy due to societies demands on them to be “bread-winners”, and 1 in 7 men will end up in a relationship with an abusive woman. While many governments sponsor domestic violence shelters for women, none exist for the male counter-parts.

Men who fight for legal custody of their children will only win 7% of the time, and only after spending upwards to $30K on lawyer fees. Men are often alienated from their children in family law courts. While the courts have created agencies that enforce child-support and tend to favor custody towards women, the struggles of fathers and having enforced access to their children and/or receiving financial assistance from the government is almost unheard of; hence why there is a Child Support Enforcement Agency but there is no Child Visitation Enforcement Agency. This alienation not only causes severe depression in fathers who are alienated from their sons, but also for the children being alienated. Men are almost always the targets in cases where one parent is alienating the child from the other parent because custody is rarely granted to men to begin with. Boys who grow up with fathers are much more likely to end up as criminals,sexual deviants, and/or less successful in their jobs.

Men’s contributions are also ignored in the professional field.

Men are also more likely to take on higher-paying but also higher-risk jobs such as demolitions, military, law enforcement, construction, high-rise window cleaners, public sanitation, and oil-rig operators. Jobs that come with many health-risks. While women do exist in these fields, their numbers are very low.

Girls face unique challenges, especially in sexually charged situations. Girls also face workplace discrimination because employers fear that once they become mothers, they will not devote time to their work, thus they sometimes avoid hiring them. Is this fair? Absolutely not! In no way, shape, or form am I marginalizing the struggles that girls and women face. They are real!

But, have we gotten so focused on developing the rights of girls and women that boys and men have been chopped down in the process? This is why Nalini-Global prefers the term of “Universal Human Rights” instead of women’s rights, men’s rights, immigrants rights, ect…

The bottom line is, “HUMANS” have rights! If we are only capable of fighting for the rights of those people who look and feel as we do, then we inadvertently become discriminatory ourselves. For the misogynists who claims that “women should get back in the kitchen”, and for the misandry Feminists who calm that “Men are nothing more than sperm donors to us.” , are both proponents of extremism.

Instead of having a Women’s Rights March or a “Men’s Rights March”, why not have a “Gender Equality” march that addresses the grievances of both men and women? Because there is a bias! It is easy to fight for the rights of those who look like us. But, if we truly believe in equality, we must also ask that our sisters support their brothers, and our brothers support their sisters.

Should we celebrate mothers, girls, and women in general for the contributions that they give to our society and to our homes? Absolutely!

Should we celebrate fathers, boys, and men in general for the contributions that they give to our society and to our homes? Absolutely!

I don’t want to live in a gender neutral society. There are differences between men and women. We are not biologically equal. Both sexes contain physical and mental advantages and disadvantages. Let us start by celebrating the things that make women and men unique, and start talking about the things that negatively impact women and men.  We may be separate in our biology, but in our spirits, and our claim to human rights, we are absolutely equal!

So to our boys who will someday become men…

Thank you for being strong, masculine, and determined. We celebrate your masculinity and we fathers will also love and support you. We will help you become strong leaders, loyal husbands, hard workers, and diligent advocates for social change. Keep up the good work.

Nalini-Global

2017

-Randell D Stroud

Dedicated to Eli Ross Sayson.

10 ways to Improve Family Law

 

The current model governing family law courts is extremely outdated and archaic. It is governed by a 1950’s chauvinistic view towards marriage and parentage. Men are expected to be emotionless, robotic-breadwinners whereas women are expected to be keepers of the home and children.  Women now work. The economy is in shambles whereas even those who are not burdened with child support or alimony are forced to work two jobs to stay afloat.  Below, I have proposed 10 ways to drastically improve fairness in the family law courts.

1. Remove presumptions:  When a man and woman enter into a courtroom, the presumption is that women are already the custodial parents who deserve child support. The courts should presume that both parents are equally shared in their rights. There should be a presumption of 50/50 shared custody with no mandate of child support payments.

2. Repeal Title IV-D of The Social Security Act:  This law states that the Federal Government will give $2 to the State government, for every $1 they collect in Child Support payments. This creates an automatic incentive for courts to set high child-support measurements. The extra money awarded to the states also does not benefit the children, it goes into “slush” funds.  There is no basis for the state to receive profits in these cases. It creates a conflict of interest.

3. Limit the Child Support Enforcement Agency’s Power:  CSEA administrators should NOT be acting as judges. They should NOT be issuing and calculating child support orders. They have no authority to hear special circumstances, to forgive debt, or to deviate from normal guidelines. It is costing tax payers over 3 billion dollars a year to staff and maintain these agencies which probably shouldn’t exist to begin with or should atleast be severely downsized.

4. Give equal representation:  Under the constitution, in criminal law, defendants are entitled to representation even if they cannot afford an attorney themselves. In child support cases, the state is a profiting party that has vested interests. The petitioning party is backed by the Child Support Enforcement Agency with incentives being paid to the state via Title IV sec D award payments.  While child support cases are technically considered “civil cases”, the repercussions and complexity of family law are very severe; not to mention a child being involved. If the courts truly believe in the best interest of the child, they will seek to properly represent and protect both parents. Fathers who feel protected and considered are much more likely to accept their duties if they don’t feel so scared and alienated from the process. This is why I believe both parents should have court appointed advocates to give everyone the best deal. Happy parents= Happy children.

5. Build up Non-custodial Parents:  According to my research, parents who make under then national medium income ($42K) per year, are considered at “high risk” for going into arrears.  Fathers or (NCP’s) who make under $42K per year should be given the option to complete job programs in lieu of sanctions. If the courts can offer programs that will help the paying parent reach that benchmark of $42K per year, they will become “low risk” at falling into default.

6. Remove Crippling Sanctions:   The courts can garnish their wages, seize their bank accounts, liquidate their properties, do whatever you want to recover owed child support payments. However, do not suspend a person’s driver’s license and do not incarcerate them. By doing either, you severely limit that person’s ability to earn an income. They get caught into a cycle of jail, accumulation of debt, and a destroyed resume. No one wants to hire someone who has a record. And if you live in a city that has poor public transportation, getting back and forth to jobs can become extremely burdensome, thus limiting job opportunities.  Debtors prisons were outlawed for a reason. To transform someone’s child into a source of someone’s imprisonment is a crime unto itself.  A married man who doesn’t provide for his child is left alone by government, however an unmarried man is subject to discrimination.  Find out why the parent is unable to keep up with the order and in the “best interest of the child” make it easier for the parent to be able to keep up with the order!

7. Let both parents opt-out:  Women can legally murder their children via abortion and thanks to “Safe Haven Laws”, they can also drop off their children at Fire-stations or Police Departments with no questions asked. A woman who makes the decision that she is not emotionally or financially ready to be a mother is given the option to choose parentage. Men are told to suck it up or face prison. The parameters found in states that allow abortion, should also apply to men. Up until a certain point, determined by law, a man should be able to dissolve his desire to be a parent just as a woman can. Many will argue that it will create more welfare dependent mothers, however, we must consider many things. The federal government can spend 1 trillion dollars on unconstitutional wars in Iraq and Afghanistan, yet they complain about a welfare spending that takes up less than 5% of the Federal Budget? Also, who says the government has to distribute foodstamps in the first place? If the federal government can afford to give states $2 for every $1 they collect in child support, then they can afford to feed and house poor people.  The Federal Reserve printed up billions to bail out corporations, why not bail out the people?

8. Cap amounts and Spending:   It is outrageous that a custodial parent can claim $10,000 a month just by getting pregnant BY a wealthy person, perhaps even get HIS house too! With the magic of “no-fault divorces”,  someone can literally get pregnant by a wealthy man, divorce him for no reason, and take half of his assets for the next 18 years.  Caps need to be developed based on cost of living in the state, so that divorces are not incentivized for those looking for a quick lottery ticket!  Additionally, the paying parent needs to have tools available to hold the custodial parent accountable for how his money is being spent. Custodial parents should be given prepaid cards that are trackable.  Housing, Food, day care, school-supplies, medical expenses, clothes,…..these things would be acceptable charges. However, if the custodial parent used the card to buy alcohol, vacations, TV’s, and other non-essential items, those charges would be disputed. This card system could create an argument that the custodial parent needs more money and/or less. Another option could be to use the left over money at the end of every month and have it automatically go into a trust fund for the child and/or to be applied to arrears.

9. Create a Child Visitation Enforcement Agency:  Parental Alienation is a HUGE epidemic. Fathers have to spend thousands of dollars in legal fees to get basic access to their children with no help from the state. If there is to be a child support enforcement agency, there needs to be an agency or hotline for non-custodial parents to call if they are actively being denied access. In many cases, fathers go years without being able to see their kids because of expensive legal fees, phony restraining orders, and cooperative mothers.

10. Mediation first- Court Second:  Before a mother and father ever see a judge, both parties should be required to attend mediation first. Have a worker use the child support model as a starting point, then allow each parent to discuss and negotiate with one another and come to agreeable plan. If the parents cannot communicate properly or the order is later deemed insufficient, then the judge can step in and give his own calculated orders. My point is, give the parents one last chance to solve things without government intrusion!

These are just a few ideas I have. This idea that we must punish and throw people in jail only works on those rare individuals who CAN afford child support yet choose to hide their assets or use trickery. However, most of these laws, albeit well intended, end up turning the middle-class and poor into criminalized debt-slaves.

Earlier this year, I submitted a 54 complaint to the Human Rights Council in Geneva,Switzerland addressing the global epidemic of unfairness in the family law courts around the world. A portion of that report can be found at https://naliniglobal.wordpress.com/human-rights-reporting/

“Global Human Trafficking In the Family Law Courts” 

 

-Nalini-Global

2017

Going to Child Support court? Read this

 

In the eyes of God, before anyone enters into a court-room, both father and mother are the full fledged guardians of a child. Before a couple enters into the family law system, there is no one regulating the terms and conditions of parenthood, household income, time spent with each parent, ect. However, as soon as you add a judge into the mix, lives can be forever altered by an ordinary human construct. The Family Law Courts!

Custody spats, Child support, alimony, these are all terms that send shivers down the spines of many. If you are a non-custodial parent or custodial parent, entering into the family law system, please consider these tips moving forward to ease the struggle of your unique family structure.

Non-Custodial Parent:

  1.  Get a DNA Test! : This sounds like a no-brainer, but you’d be amazed at how many men are paying child support for a kid that is not biologically their own.  Unless there is a prior adoption agreement, no one is legally obligated to pay for someone else’s child.
  2. Consider communication:  If the child is yours, make one last effort to communicate with the mother. What are your goals with the child? What are her goals? Does she want to keep the child? Do you want to be a part of the child’s life? Are you both financially sound? If you two can both find an agreement without involving the government, this will be your best bet. However, if any financial support is given to either party, keep receipts of everything. The custodial parent, (who is typically always going to be the mother in the eye’s of the family law system), can bring the case before a judge at any time and thus sue you for retroactive support. Without any evidence of prior support, you could be on the hook for thousands of dollars.
  3.  Consider your income:  When a child support case is brought to court for the first time, the court will ask for your previous year’s tax return and proof of income from the last two months.  If you know that you have a case coming up, it may be in your financial interest to research how your income levels will be considered. If you have been working three jobs for the last two months before your court date, the courts will consider that income for setting guidelines on how much you are to pay each month. While I do no advise anyone to do anything illegal, maneuvering within the rules (while still adhering to them), in order to survive the eventual 50% garnishment of your income that is soon to take place, is a worthy survival tactic.
  4.  Never let an administrator set the guidelines for support! The child support enforcement agency will often  sell the idea to you that a judge is not needed. They will first appoint an administrator to have a meeting with you and the “custodial” parent. During this meeting, they will calculate income and expenses and then come up with an arbitrary number. That number will always favor the custodial parent.  Never agree to their offers! Always demand that a judge make a ruling on the numbers. Remember, only the judge can make deviations from the  state guidelines. The Child support enforcement administrators cannot make deviations, in fact, they are encouraged to calculate high numbers so that they can collect bonuses from the Title IV section D grant money that is linked with child support collections. However, if you demand to speak with a Judge, he/she may or may not, consider the fact if you have medical expenses, outrageous rent, or other factors that impact your ability to earn income. If the judge is compassionate, you may get lucky with a ruling that is slightly lower than the recommended guidelines issued from the Child Support Enforcement Agency. However, the administrators will never tell you this because they know you are intimidated and do not wish to sit in a court room all day. While the administrators can quickly draw up an order and get you out of their offices, in the long-run, it may not benefit you.
  5. Be Careful with Modifications:  Just because you think your child support is too high doesn’t mean a judge will agree. If you seek to modify your child support order, you may end up paying more! Especially if you have earn more income than you did previously. In some states, CSE (child support enforcement) will automatically raise support amounts if the NCP (Non custodial parent) gets a higher paying job. It is a deadly cycle. Get a higher paying job to afford a child support order, only to have it raised again! Only seek modification if you experience a sharp decrease in earnings and/or you lose your job.  Major medical expenses coming from a surgery or foreclosure may warrant a temporary reduction but can be risky. Consult an attorney!
  6. Challenge Expenses: In child support cases, you will be made to pay for half of any day-care or medical costs. Be sure to challenge any receipts that appear home-made.  These extra expenses can inflate child support payments very quickly, especially if the other parent is embellishing the amount they are paying for child-care costs.
  7. Ask for mediation:  Many courts will offer a no-cost, one-time, mediation session between you and the mother. This is your last ditch effort to sit privately in a room with you and the other parent to negotiate a parenting plan and/or to make voluntary reductions in support. While mediation can be extremely helpful if both parties are logical, it is still up to the judge to agree with the terms.
  8. Consider settlements or Forgiveness:   If you get behind in child support, you may be able to offer settlements to avoid jail time. If you owe $10,000 for instance, you may be able to offer the judge a $6,000 settlement to avoid jail-time without having to pay the remaining three.  Some states even allow for forgiveness of child support debt if you have a good excuse such as medical problems and you are showing good faith to look for employment.
  9. Study Turner V Rogers-  This supreme court case outlined that non-custodial parents should only be jailed if they are willfully refusing to pay child-support payments. Being unable to pay does not warrant one’s life or liberties to be suspended. It must be proven before such aggressive tactics can be implemented against the non-custodial parent.
  10.  Study State of Minnesota V Nelson-  In this case, Mr. Nelson was behind over $80,000, on child support, however, he was still caring for and nurturing his children, i.e.- “Supporting”, therefore the supreme court reversed his felony conviction of failure to pay child support.
  11. Study  Coull vs. Rottman –  In this case, Mr.Coull was absolved of paying any child support due to Ms.Rottman alienating the child from Mr.Coull. The courts found that Ms.Rottman had no bases to ask to support if she was adamant on not allowing the father to partake in the child’s life despite him being fit to do so. This is a rare case decision, but very thought provoking.
  12. Consider International Law: 1976 Article 11 of the ICCPR – International Covenant on Civil and Political Rights – came into effect stating, “No one shall be imprisoned merely on the ground of inability to fulfill a contractual obligation.”  This international obligation contradict many countries’ domestic laws that allow for civil jailings. The United States being one of the chief offenders in not adhering to the provisions in this international agreement. Nevertheless, it is still noteworthy.

Custodial Parents:

  1. Communicate:  Do you want this child? Does he?  Is abortion or adoption being considered? Can you sit down with him/her and have an open-dialogue about both of your futures?  If the child has already been born, still communicate! Do everything you can to handle the situation without court involvement.
  2. Welfare-  Many states will not issue welfare to struggling parents unless they name both parents and/or agree to put one of the parents on child support. A good remedy is to have the entire family apply together, however, this often times makes one ineligible because your income bracket may be too high.
  3. Do not alienate your children:  If you are receiving child support, you are NOT a single parent doing it alone, you are getting help.  Even if the other parent is not able to financially provide, if they are showing love to the child, you should not get in-between that bonding process, to do so can cause severe mental and emotional scars to the child that can make them more susceptible to  deviant behavior as an adult not to mention the emotional damage done to the parent who is being prevented from seeing the child. No body wins in alienation.  Children are not bargaining pieces..
  4.  Spend wisely:  If you receive a good amount of child support every month, use what money is left over and put it in a trust fund for the child’s future education. Many custodial parents like to use child support funds to spoil their children with toys or even themselves. In the long run, it does nothing for your children. It is called “child support”, not an entertainment fund.
  5. Reconsider enforcing penalties:  Asking a judge to suspend the other parent’s drivers license or to have him/her incarcerated only hurts you and the child.  Such penalties will make it harder for him to find and keep employment, thus reducing the chances that you will ever see a dime in child support.
  6. Rethink “Support”-  Many custodial parents are extremely protective of their children, since they usually spend the most time with the child while the other parent is usually busy trying to keep up with child support or alimony payments. If you truly need “support”, do not fight “joint custody”. This way you have one parent taking responsibility half the time, and the other parent doing half the work. In many cases, child support may not even be warranted, in this case, everyone can win. If it isn’t about the money, and you can check your emotions at the door, then joint custody shouldn’t be an issue.
  7.  Become an advocate- About 92% of the time, women end up becoming the custodial parent. As a custodial parent, you have a lot of power. Don’t abuse this power! Use it to advocate for equal parenting rights.  I am reminded of an old saying, “Those who desire to give away their power are the most powerful indeed.”  or as Confucius would say,  “Those who wish to secure others, has already secured himself.”

Both parties

Be mindful of eachother! Neither parent is in a particularly “easy” situation. While the non-custodial parent will become stressed out about meeting child-support criteria, the custodial parent will become stressed out with the rearing of the child, transporting the child ,ect. Try to put yourself in the other parent’s shoes and practice empathy. If both parents can do this, it will make it easier for each of them to work together for the sake of the child and potentially remove the disagreements that lead to one of the parents allowing the government to regulate their family affairs.

While the media has given much coverage to the narrative of the “struggling single mom”, whereas “Men need to step up for face the consequences”, I believe that a new narrative needs to be introduced to the general public. One that considers the history of gender relations and how modern developments require us to look at the situation of family disputes through a modernized “looking glass”.

This publication includes the un-redacted portions from a report that was submitted the Human Rights Council in Geneva and to several other human rights organizations and/or governing bodies such as the United States Department of Justice. The original report was over 50 pages long, however, the sections shown in this publication exclude personal documents that are privileged to confidentiality. I pray that those who take the time to read this report will walk away with a better sense of how the modern family law system operates, who is being marginalized and what we can do to reduce its over-reach into our personal decisions. After all, true “freedom”, isn’t the just the ability to make a choice, but to also suffer the consequences of a choice.

“Freedom”, teaches us that consequences rarely need to be administered by government, but rather by the laws of nature of karmic retributions, principles that no man-made legislation can create a loop-hole for.

God-speed.

-Randell D. Stroud