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How to Prepare for Divorce Mediation
In this episode of Divorce at Altitude, Ryan Kalamaya and Amy Goscha walk listeners through a practical guide to preparing for mediation in a Colorado divorce or family law case. Because most people hope to avoid trial when they begin the divorce process, Ryan and Amy explain how mediation works, why it is required in most Colorado domestic relations cases, and what parties can do to make the process more productive.
They begin by defining mediation as a confidential process where a neutral third party helps both sides try to resolve disputed issues. In Colorado, mediation is commonly court-ordered, but that only means the parties must attend—it does not mean they are forced to settle. Ryan and Amy explain that mediation can happen before a case is filed, during the case, after temporary orders, or even close to trial. It is not a separate track from litigation, but rather a tool used throughout the process to try to resolve disputes efficiently and privately.
Episode Highlights
What Mediation Is
Mediation is a confidential process where a neutral third party helps divorcing or separating parties try to reach agreement.
Court-Ordered Does Not Mean Forced Settlement
In Colorado, parties are often required to attend mediation, but they are not required to settle.
Mediation as a Tool, Not a Separate Path
Mediation can be used before filing, during litigation, after temporary orders, or even close to trial.
Why Mediation Works
It allows for creative problem-solving, privacy, cost savings, and often better long-term co-parenting outcomes.
Choosing the Right Mediator
The best mediator depends on the issues in the case, including whether the main disputes involve children, finances, or complex assets.
Preparation Matters
Updated financial documents, exchanged offers, and a clear understanding of the disputed issues are critical to a productive mediation.
What Mediation Day Looks Like
Most family law mediations use shuttle-style negotiation, where the mediator goes back and forth between the parties.
What is Divorce at Altitude?
Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado.
To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].
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DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
Comparing Spousal Maintenance Across the United States
In this episode of Divorce at Altitude, Ryan Kalamaya and Amy Goscha explore how spousal maintenance (alimony) in Colorado compares to other states across the United States. Using research from a study conducted by Custody X Change, they discuss how different states calculate spousal support and why the results can vary dramatically depending on where a divorce takes place.
Amy begins by explaining the basic purpose of spousal maintenance: to help bridge the financial gap between spouses after a divorce when one spouse earns significantly less than the other. The goal is to allow the lower-earning spouse to transition financially after the marriage ends while maintaining a lifestyle reasonably similar to what existed during the marriage. Ryan adds that in Colorado this analysis is guided by several statutory factors, including the parties’ age, health, financial resources, property division, and earning capacity.
Episode Highlights
The Purpose of Spousal Maintenance
Spousal maintenance is designed to help the lower-earning spouse transition financially after divorce and maintain a similar standard of living.
Colorado’s Maintenance Statute
Ryan explains that Colorado law considers multiple factors, including financial resources, age, health, and earning capacity.
How the Maintenance Formula Works
Colorado uses a guideline formula based on the parties’ combined monthly income to estimate support amounts.
The $240,000 Income Threshold
The guideline formula typically stops applying when the couple’s combined annual income exceeds $240,000.
Inflation and Outdated Thresholds
Ryan and Amy discuss how the maintenance income cap has not been updated despite rising costs and higher incomes.
The Custody X Change Study
The hosts review research comparing spousal maintenance outcomes across multiple states.
Wide Differences Between States
Some states award significantly more maintenance, while others provide little or none in similar circumstances.
What is Divorce at Altitude?
Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado.
To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].
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DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
Incremental Decreases of Spousal Maintenance in a Colorado Divorce
In this how-to episode of Divorce at Altitude, Ryan Kalamaya explains the concept of incremental decreases in spousal maintenance after a Colorado divorce. He breaks down how maintenance is not just about the initial amount awarded, but also about how that amount may change over time depending on the circumstances of the parties.
Ryan begins by reminding listeners that maintenance has two key components: amount and duration. Both are shaped by a number of factors, including the length of the marriage, each spouse’s post-divorce financial circumstances, the property division, each party’s age and health, and their future earning capacity. These factors become especially important when one spouse has been out of the workforce for a significant period of time.
Episode Highlights
The Two Core Maintenance Concepts
Ryan explains that every maintenance analysis begins with two questions: how much should be paid, and for how long.
Why Incremental Decreases Matter
Maintenance does not always need to stay at one flat amount. In many divorces, the recipient spouse’s needs change over time.
Factors That Influence Maintenance
Colorado courts consider the length of the marriage, age, health, property division, earning capacity, and each spouse’s financial condition.
Returning to Work After Divorce
If one spouse has been out of the workforce for years, maintenance may be structured to help them transition back into employment.
Education and Career Rebuilding
A spouse who goes back to school or obtains a certification may need more support at first, but less support later.
Using the Eric and Melanie Wolf Example
Ryan shows how a long-term marriage with one stay-at-home spouse can create a strong case for maintenance that decreases in stages.
What is Divorce at Altitude?
Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado.
To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].
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DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
Changes in Colorado Family Law and the Future of Domestic Relations Courts
In this episode of Divorce at Altitude, Ryan Kalamaya and Amy Goscha discuss the major changes occurring in Colorado’s domestic relations system and how the legal community is working to address challenges within family law courts. Their conversation focuses on the increasing strain on the judicial system, the growing number of self-represented litigants, and new initiatives designed to improve access to justice.
Amy explains that a major issue facing Colorado courts is the pro se crisis—a situation where approximately 75% of family law litigants appear in court without an attorney. This statistic has remained consistent for over a decade. Because many individuals are unrepresented, judges often spend valuable court time explaining basic procedures, forms, and financial disclosures, which slows down the system and makes it harder for courts to address complex cases that truly require judicial attention.
Episode Highlights
The Pro Se Crisis in Family Law Courts
Approximately 75% of parties in Colorado family law cases appear without attorneys, placing additional strain on courts.
Why Courts Are Overloaded
Judges often spend significant time helping unrepresented litigants understand forms, procedures, and financial disclosures.
Licensed Legal Paraprofessionals (LLPs)
Colorado is introducing LLPs to provide limited legal services in family law cases and improve access to professional help.
How LLPs Compare to Nurse Practitioners
Amy explains that LLPs can assist with routine legal matters while attorneys focus on more complex cases.
Expedited Divorce for Simpler Cases
Courts are considering faster processes for divorces without children or major financial disputes.
The 91-Day Waiting Period Debate
Colorado currently requires a 91-day waiting period before a divorce can be finalized, and some believe this requirement could be reconsidered in certain cases.
What is Divorce at Altitude?
Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado.
To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].
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DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
Spousal Maintenance in High-Income Colorado Divorces
In this How To episode of Divorce at Altitude, Ryan Kalamaya explains how spousal maintenance is determined in high-income Colorado divorce cases. While many divorces rely on the Colorado maintenance guideline formula, Ryan clarifies that those guidelines generally do not apply when the parties’ combined annual income exceeds $240,000. In these situations, determining maintenance becomes more complex and requires a deeper analysis of statutory factors rather than a simple calculation.
Using the podcast’s hypothetical clients Eric and Melanie Wolf, Ryan illustrates how high-income divorces differ from typical cases. If Eric earns $500,000 per year, the statutory maintenance formula is not intended to apply. Instead, courts must evaluate broader factors such as the length of the marriage, the age and health of the parties, their contributions during the marriage, and—most importantly—the standard of living established during the relationship.
Episode Highlights
Why the Maintenance Formula Stops at $240,000
Ryan explains that Colorado’s maintenance guideline formula generally does not apply when the parties’ combined annual income exceeds $240,000.
High-Income Divorce Cases Require a Different Approach
Instead of relying on a formula, courts analyze a variety of statutory factors to determine fair support.
The Importance of Standard of Living
In high-income cases, the lifestyle established during the marriage becomes one of the most influential factors.
Income Does Not Always Reflect Lifestyle
Ryan uses Warren Buffett as an example of how someone with immense wealth may still maintain a modest lifestyle.
Property Division Comes First
Maintenance is only evaluated after the court determines how marital assets will be divided.
When Asset Awards Replace Maintenance
If the receiving spouse receives significant assets that generate income, maintenance may not be necessary.
What is Divorce at Altitude?
Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado.
To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].
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DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
Divorce is a word that often comes loaded with uncertainty and an avalanche of questions. Ryan and Amy revisit one of our most impactful episodes, they aim to answer our top questions we get in initial divorce consultations. They shed light on the implications of no-fault divorce laws, the concept of marital waste, and if extramarital affairs might tilt the scales in legal proceedings in Colorado, especially when it comes to children and parenting time.
They also discuss crafting plans that keep children at the heart of every decision. Our fictional divorce client Eric Wolff's concerns about his wife's possible alcohol issues and his own deep involvement with their children lead them into the nuances of shared parenting responsibilities and decision-making.
They elucidate the common misconceptions when it comes to dividing property, like the notion that property ownership is clear-cut, and dive into how separate property might blur into marital assets.
What is Divorce at Altitude?
Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado.
To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].
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DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
Contractual vs. Modifiable Spousal Maintenance in Colorado Divorce
In this How To episode of Divorce at Altitude, Ryan Kalamaya explains the difference between contractual spousal maintenance and modifiable spousal maintenance in a Colorado divorce. Using the podcast’s hypothetical clients, Eric and Melanie Wolf, Ryan walks listeners through how divorcing couples decide whether maintenance should be fixed and final or subject to future changes.
Ryan begins by clarifying that maintenance discussions usually happen after the division of property in a divorce. Once property has been divided, the parties can negotiate the amount and duration of spousal support and determine whether it should be contractual (non-modifiable) or modifiable.
Episode Highlights
Why Maintenance Discussions Come After Property Division
Ryan explains that courts and attorneys usually address maintenance only after marital property has been divided.
What Is Contractual Maintenance?
Contractual maintenance is a spousal support agreement created by the parties that cannot later be modified by the court.
The Benefits of Contractual Support
Contractual maintenance provides certainty and predictability, allowing both spouses to plan financially and avoid future disputes.
How Contractual Maintenance Helps With Mortgage Qualification
Because the payment terms are fixed, lenders may treat contractual maintenance as reliable income for refinancing or loan approval.
The Risks of Non-Modifiable Support
If circumstances change dramatically—such as job loss or increased income—the agreement cannot be adjusted.
What Is Modifiable Maintenance?
Modifiable maintenance is the default type of support in Colorado and can be changed if there is a substantial and continuing change in circumstances.
What is Divorce at Altitude?
Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado.
To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].
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DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
Understanding the Colorado Maintenance Formula
In this How To episode of Divorce at Altitude, Ryan Kalamaya explains how the Colorado maintenance guideline, sometimes called the spousal maintenance formula, is used to estimate the amount of maintenance in a divorce case. He clarifies that this episode focuses specifically on the amount of maintenance, not the duration, which he addresses in a separate episode.
Ryan walks listeners through several important caveats before getting to the formula. First, the guideline is based on gross income, not net income, although tax considerations still matter at the end of the calculation. Second, the maintenance formula is only one factor the court is supposed to consider, alongside other issues such as lifestyle, reasonable needs, and the overall financial picture of the parties. Third, the statutory guideline is intended to apply only when the parties’ combined annual gross income is $240,000 or less.
Episode Highlights
What the Colorado Maintenance Formula Covers
Ryan explains that this episode deals with the amount of maintenance, not how long it lasts.
Gross Income Is the Starting Point
The formula uses gross monthly income, not take-home pay, as the base for the calculation.
The Guideline Is Only One Factor
Although widely used, the maintenance formula is only one part of the broader legal analysis.
The $240,000 Income Cap
Ryan notes that the guideline is intended to apply only when the parties’ combined annual gross income is $240,000 or less.
Step-by-Step Formula Breakdown
Listeners are walked through the process of adding the parties’ incomes, applying the 40% factor, subtracting the lower earner’s income, and then considering taxes.
The Eric and Melanie Wolf Example
Ryan uses the podcast’s hypothetical divorce clients to make the formula easier to understand in practice.
Tax Adjustment Matters
Even though the formula starts with gross income, a tax-related adjustment is still part of the final maintenance estimate.
Lawyers and Judges Often Rely Heavily on the Formula
Ryan explains that, in practice, the guideline often carries substantial weight in negotiation and litigation.
What is Divorce at Altitude?
Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado.
To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].
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DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
Real Estate Appraisals in Divorce
In this episode of Divorce at Altitude, Ryan Kalamaya is joined by certified real estate appraiser Kevin Kearns to discuss the role of real estate appraisals in Colorado divorce cases. Because the marital home is often one of the most valuable assets in a divorce, determining its fair market value can have a major impact on the financial outcome for both spouses.
The episode also explores how appraisals work specifically in divorce litigation. Kevin discusses the difference between using a joint appraiser versus having each spouse hire their own expert, and why a well-supported appraisal can often reduce disputes and save both parties money. Ryan and Kevin also touch on more advanced issues, such as retrospective appraisals for determining the value of a home at the date of marriage, updating older appraisals when the market shifts, and why websites like Zillow are not a substitute for a professional valuation.
Guest Information
Kevin Kearns is a certified residential real estate appraiser with more than two decades of appraisal experience. After beginning his career as a musician and teacher, Kevin transitioned into real estate appraisal in 2001 and has been practicing ever since. Over the years, he has developed substantial expertise in residential valuation, including appraisals involving unique properties, high-value homes, acreage, and horse properties.
Episode Highlights
Why Real Estate Appraisals Matter in Divorce
Ryan and Kevin explain why the marital home is often one of the most important assets to value accurately in a divorce case.
What an Appraisal Really Is
Kevin describes an appraisal as an estimate of market value based on comparable sales and what a typical buyer would be willing to pay.
How Appraisers Inspect a Property
The conversation covers what Kevin looks at during an inspection, including the home’s condition, updates, layout, location, and neighborhood characteristics.
The Importance of Comparable Sales
Kevin explains how he selects comparable properties and why the principle of substitution is central to credible appraisal work.
Neighborhood and Market Knowledge
The episode highlights why appraisers need to understand local market nuances, such as school districts, traffic, neighborhood boundaries, and buyer preferences.
What is Divorce at Altitude?
Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado.
To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].
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DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
Understanding Spousal Maintenance in Colorado Divorce | Divorce at Altitude
In this episode of Divorce at Altitude, Ryan Kalamaya and Amy Goscha take a closer look at one of the most emotional and financially significant issues in Colorado divorce: spousal support, also known as alimony or spousal maintenance. While different terms are often used interchangeably, Colorado law formally refers to it as spousal maintenance. Ryan and Amy explain that spousal maintenance is meant to address the financial imbalance that can arise when one spouse earns significantly more than the other or when one spouse has stepped back from work during the marriage.
Episode Highlights
What Is Spousal Maintenance?
Ryan and Amy explain that alimony, spousal support, and spousal maintenance are often used interchangeably, but in Colorado the legal term is spousal maintenance.
Temporary vs. Post-Divorce Maintenance
The episode distinguishes between support paid during the divorce process and support that continues after the divorce is finalized.
Key Statutory Factors Courts Consider
They discuss the major factors under Colorado law, including financial resources, income, lifestyle during the marriage, marital property, employability, health, and the length of the marriage.
How Lawyers Argue Against Maintenance
When representing the paying spouse, attorneys often focus on the recipient’s employability, the cost of maintaining two households, and whether property division can reduce the need for support.
How Lawyers Argue for Maintenance
When representing the spouse seeking support, attorneys typically emphasize the marital lifestyle, a gap in income or career development, and the need for financial stability while rebuilding independence.
What is Divorce at Altitude?
Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado.
To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].
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DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
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