For a FREE ConsultationCALL (954) 755-1500


Serving all of Broward, Dade & Palm Beach Counties.

5531 N. University Drive, Suite 101 - Coral Springs, FL 33067

Ron Luzim: A Voice for the Families of Coral Springs

Family lawyer coral springs

Family is everything, however things are not always so cut and dry. When it comes to legal matters with loved ones and family members, emotion can interfere and cause problems for all parties involved. Prenuptial agreements, asset protection, and divorces are complex in nature and require a skilled hand to guide you through the process. This ensures that you achieve the best results possible, and is why you need a skilled family lawyer by your side.

If your situation escalates past the point of civil conversation being able to resolve your issues, it is likely time to hire a mediator. This will allow you to make well informed decisions, as well as remove emotion from the decision making process so that the right choices are made.

Why You Need to Hire the Right Attorney

In all legal cases, an exceptional lawyer is a necessity to ensure things go as smoothly as possible. In the case of the divorce process, this is even truer. A great lawyer will ask the questions that need to be asked, making a difficult process much easier emotionally and saving you time and money. Division of property is often the most difficult step of the process, and having someone who understands the law and can take a logical approach to solving the situation can prove invaluable.

Ron Luzim is an experienced attorney, mediator, and former accountant who strives to create long term relationships by offering legal consultation, with an emphasis on helping his clients make the best decisions possible. With over 30 years as a family lawyer in Coral Springs, attorney Ron Luzim provides professional, reliable, and helpful consultation to help you through your family legal case. To know about his specialized approach as a divorce lawyer in Coral Springs. Visit : http://www.broward-lawyer.com/


Broward Bar: Family Law Podcast with Ron Luzim

BCBA-Logo-with-Registered-T

Domestic Violence is always on the news from athletes to even movie stars. Ron Luzim of Ronald Luzim, P.A. stops by to talk about the many lives affected by an ugly divorce and offers real solutions for ailing marriages. Special Guest Legal Panel Hosts: Robin Moselle and Kimberly Gessner

Listen here:


5 Things to Know About Bankruptcy

bankcruptcy-header

If you are overwhelmed by debt, you’re probably dealing with tons of stress, and you might be wondering about whether bankruptcy is the best option. Before you make a decision, it helps to know a little about what you’re getting into.

 

Bankruptcy can take time.

You’re probably ready for a fresh start, but you should know that it can take some time. The most common form of bankruptcy, Chapter 7, takes an average of four months while others can take two years or longer. Whatever course your attorney advises, you need to be prepared to stick to it and be patient.

 

You’ll probably have to go to court.

Before your claim is processed, you most likely have to go to a court hearing called, “meeting of creditors.” This is usually fairly simple and involves answering a few simple questions. Creditors can also attend and ask you questions.

 

Transparency is important.

Honesty is the best policy when it comes to filing for bankruptcy. Only those who are truthful are allowed a complete discharge of debt. You have to list all of your property, debts, and  creditors. If you fail to do this, you might lose your case and face serious federal charges.

 

There are different types of bankruptcy.

There are four types of bankruptcy: Chapter 7, Chapter 11, Chapter 12, and Chapter 13. Most file Chapter 7 which requires liquidation of your assets to pay debt. Often times you are allowed to keep some property like you house and car. Chapter 11 is usually for business, Chapter 12 is for family farmers, and Chapter 13 is a debt adjustment. Your attorney can help you better understand your options and determine which is best for you.

 

Bankruptcy stays on your credit for 10 years.

If you have unpaid debt, your credit probably isn’t so great anyway, but it’s still a good idea to know what will happen after bankruptcy. Bankruptcy stays on your credit report for 10 years, but that doesn’t always keep you from getting credit during that period, but will probably result in higher interest rates.

 

These are just some of the many details about filing for bankruptcy. Bankruptcy can be like a life jacket for those drowning in debt, but it isn’t for everyone. Talk to your attorney to learn whether bankruptcy is right for you.


Do I Need a Prenuptial Agreement?

Wedding-Rings

Talking about prenuptial agreements can be a bit touchy. Some might feel that asking for a prenup is as good as telling your soon-to-be spouse that you’re not secure in your relationship. Though it’s understandable that you wouldn’t want to talk about anything even close to being divorce related, there are some good reasons why having this discussion early can be a good thing.

 

It helps you think and plan for your future

The process of writing a prenup helps you get things out in the open. You can talk about things like:

  • How your finances will be managed
  • Parenting issues
  • Your estate plan
  • Which property is shared and which isn’t
  • Any other special agreements regarding your marriage

Having this discussion before you marry can help prevent future confusion and conflict. When approached in the right light, with a mutual understanding that having a prenup is a way to plan for your future and not necessarily related to divorce, you might find that having a prenup actually helps your marriage.

 

It provides security and simplicity

Having a prenuptial agreement is useful even if you don’t get divorced, but if you do find yourself in that situation, you’ll be glad you have one. Prenuptial agreements simplify the divorce process by:

  • Protecting the rights and obligations of both partners
  • Making distribution of property clear and simple
  • Preventing long battles over child custody and other matters
  • Easing divorce-related stress

If you think getting a prenuptial agreement sounds like a good idea, make sure the timing is right. The more time you allow to create a prenup before the marriage, the greater the chances are that it will be affirmed and ratified. Ensure your future spouse that having a prenup is more of a planning tool, and not a sign that you have doubts about your marriage. In fact, it can show your spouse that you care enough about your relationship to consider the tough issues before they become problematic.


No Social Media during Divorce

[caption id="attachment_516" align="alignleft" width="240"]Photo by flickr.com Photo by flickr.com[/caption]

As going through a divorce has a large emotional component it is natural during this period to want to shout and express your feelings; it even tends to make you feel better getting stuff off your chest. But you have to be careful where and what your share. Social media has become part of our everyday lives that it seems quite normal to express what is happening – whether good or bad! However, it can become a very costly mistake legally and personally.
Your divorce and family law attorney will advise you against broadcasting the details of the divorce process on social media or in public outlets. Anything and everything can be used against you. Complaining about your soon-to-be ex can suggest you are not able to cooperate with them. Take the time to the think about what you are posting and the possible outcome. Also consider the following:
• Pictures speak a thousand words – photos can contradict your claims in court. You have said you are broke and cannot afford spousal support but have posted vacation pictures or photos posing with your new car.
• Perfect parent – but you are posting about partying every night or not being active in the child’s life.
• What is published on-line stays on-line – deleting a post from your profile does not necessarily delete it from cyber space. It can come back to haunt you.
• Privacy settings are not always private – anything you post can be shared to your soon-to-be ex by a “friend” or “connection” without you knowing until it is too late.
The rule of thumb is to play it safe and refrain from posting until the divorce is final and if children are involved, do not post about the other parent. Co-parenting/custody cases are “live” and can be assessed at any time until the child turns eighteen.
Ronald A. Luzim understands that each situation is different. He first learns and understands the unique needs of each client and then offers personal service appropriate to each case. He is a former estate and tax attorney with the IRS, has been practicing law since 1974 and specializes not only in divorce, family, and asset protection but also is a Coral Springs real estate lawyer, Coral Springs probate lawyer and Coral Springs bankruptcy lawyer. In addition as a practicing state certified mediator, Ronald brings experience, expertise and empathy to your legal matter. Please contact his Coral Springs office at 954-755-1500 for assistance in protecting yourself, family and property.
There is no substitute for experience.


Purchasing Your Dream Home

[caption id="attachment_507" align="alignleft" width="150"]Photo by vectorolie Photo by vectorolie[/caption]

Housing prices in Broward, Miami and Palm Beach Counties are on the rise.  Prices in July rose 7.3 percent from the previous year. However, according to the Standard & Poor’s/Case-Shiller Home Price Index the average price is down 28% from the all-time high in December 2006. This data is for single family homes as condo sales are not included.

So why the change?  The economy is growing, more people are working and home sellers are making improvements to properties.  Upgrades to kitchens and bathrooms are the biggest selling features to potential home buyers.  They are willing to wait for the full package which includes the condition of the home, location and price.

Sometimes home buyers think with their emotions after finding their dream house.  Important price tag items such as home owner’s insurance, property taxes, utilities and furnishings are overlooked but can be the difference in affording a monthly mortgage.

A real estate attorney can be your best friend during this emotional and stressful time especially in light of the significant changes in the law as of October 3, 2015 regarding residential real estate closings involving mortgage financing.  Their job is to work for you with your best interest in mind.  They will review the purchase agreements, perform extensive title searches to ensure a clear title and explain what will happen if something does not go as planned. There will be no surprises when you are handed the keys at closing.

There is no standard real estate transaction.  Each situation is different.  Ronald A. Luzim understands this and works with his clients to offer personal service for each case.  He is a former estate and tax attorney with the IRS, has been practicing law since 1974 and specializes not only in real estate but also probate and in asset protection and bankruptcy, Ronald is a Coral Springs probate lawyer, Coral Springs bankruptcy lawyer and Coral Springs family and divorce lawyer. In addition, as a practicing state certified family and civil mediator for over 25 years Ronald brings experience, expertise and empathy to your legal matter.  Please contact his Coral Springs office at 954 755 1500 for assistance in protecting yourself, your family and your property.

There is no substitute for experience.


Winning with Credit Cards

[caption id="attachment_502" align="alignleft" width="150"]Photo by David Castillo Dominici Photo by David Castillo Dominici[/caption]

Not long ago credit cards were used only for major purchases such as appliances, furniture and medical expenses.  Credit cards have become a normal way of life and if used properly can be powerful tools in your wallet.

Credit cards play a major role in determining buying power through credit reports.  The higher the credit score the better.  You can achieve and maintain a good credit score by believing your card is a short term loan. It should be paid on time (also saves money in interest in late fees) and in full at the end of the billing cycle.  If that is not possible be sure to pay more than the monthly minimum.

Resist the urge to say yes to credit cards offered at retail stores.  While you will receive a 20% discount right then and there, the card may not be a necessity.  Every open credit card is listed on your credit report and having too many cards, with or without a balance, could show you are over extending your credit.  However, do not cancel a credit card.  If you are no longer going to use it, simply shred the card.  The length of credit history is a factor used in credit scoring.

Apply for and use credit cards with a low annual interest rate.  Some lenders offer an introductory interest rate.  Be sure to ask how long the interest lasts and what the new interest rate will be.  If it is a major hike, you might want to pass.  Lenders also partner with other companies to offer rewards for using the card.  This is a great opportunity to earn airline miles, cash towards paying the monthly payment and other gift cards.    It could be beneficial to use these cards even if there is a higher interest rate.

The bottom line is to take the time to research the program and always read the fine print before applying for a credit card.  There are times when financial problems arise from the loss of a job, death of a spouse, divorce or not spending money wisely.  Assistance is available to find a path to debt relief and asset protection.

Ronald A. Luzim first learns and understands the unique needs of each client and then offers personal service for each case. He is a former estate and tax attorney with the IRS, has been practicing law since 1974 and specializes not only in asset protection and bankruptcy but also in probate and real estate matters. Ronald is a Coral Springs probate lawyer, Coral Springs bankruptcy lawyer and Coral Springs family and divorce lawyer. In addition, as a practicing state certified family and civil mediator for over 25 years Ronald brings experience, expertise and empathy to your legal matter.  Please contact his Coral Springs office at 954 755 1500 for assistance in protecting yourself, your family and your property.

There is no substitute for experience.


Credit Card Dip

[caption id="attachment_497" align="alignleft" width="150"]Credit Card Chip Photo by hywards[/caption]

Have you received a new credit or debit card from the bank with a small metallic square on the front?  This square is a computer chip which is designed to keep your banking information safe.  Thieves have figured out how to steal banking information from credit cards using the magnetic strip on the back of the card. The new chip cards provide a unique transaction code for each purchase.

Retailers have to invest in new technology and processes in order to accommodate the new chip cards by October 1, 2015.  Bigger organizations will likely transition sooner than small businesses.  Target and Wal-Mart have already updated their systems.  Currently credit card companies are responsible for credit card fraud but after October 1st, the payment processor or credit card company with the least amount of protection will be liable.  The idea is to ensure credit safety on all levels.

Credit card holders with chips will no longer swipe their credit cards at the checkout register.  Once the transaction is ready for payment, the card holder will be prompted to “dip” or insert the card into the terminal slot.  The process takes a little longer than swiping and a little patience is needed.  In the future many retailers will offer a contactless card reading option.  The consumer will simply “tap” the card against the terminal scanner.

While these changes are steps in preventing fraud, consumers still need to protect themselves by reviewing credit reports, fraud alerts, etc.  Negative changes on credit reports can affect buying power, and deposit amounts on utilities and insurance.  We know that Life happens and personal and financial situations change; whether due to unemployment, divorce, death and other emotional and unexpected events.   Know that assistance is available to determine the most effective path to debt relief and to protect your assets.

Ronald A. Luzim learns and understands the unique needs of each client and offers personal service for each case.  He is a former estate and tax attorney with the IRS has been practicing law since 1974 and specializes not only in estate planning and real estate but also is a Coral Springs probate lawyer, Coral Springs bankruptcy lawyer and Coral Springs family lawyer. In addition as a practicing state certified mediator, Ronald brings experience, expertise and empathy to your legal matter.   Please contact his Coral Springs office at 954-755-1500 for assistance in protecting yourself, family and property.

There is no substitute for experience.


Birth Certificates, Benefits and Responsibilities

baby-birth-certificateEight months have passed since Florida lifted its ban on gay marriage but changes have not been made to birth certificates issued by The Florida Department of Health. Florida birth certificate are gender specific, “mother and husband” rather than the option of “parents”. This means that children born to these couples do not have the same rights as those born to hetero sexual parents.
To date, three gay couples have filed law suits against the Florida Bureau of Statistic claiming the State is issuing “a certificate that falsely indicates that the child has only one parent.” The Florida Department of Health has responded with a request for clarification from a judge if the ruling from the Supreme Court to lift the ban of gay marriages applies to change to vital statistics records.
By naming both parents on the birth certificate gives each parent legal rights and responsibilities to children listed below:
• Governmental benefits – Social Security survivorship benefits, government pension
• Consent to medical and dental care
• Decision making for education, religious training and legal matters
• Visitation
Child support
• Citizenship

Whether parents are hetero sexual, same-sex, married or unmarried, it is important for both parents to be listed on the birth certificate. Doing so at birth immediately provides the child with benefits especially in the case of parental death. If adding the father to the birth certificate after birth, the father will have to submit to a paternity test, pay fees associated with the test and legal fees if necessary, fees to file for an amended birth certificate and cost for copies of the amended birth certificate.

Ronald A. Luzim understands that each situation is different. He first learns and understands the unique needs of each client and then offers personal service appropriate to each case. He is a former estate and tax attorney with the IRS, has been practicing law since 1974 and specializes not only in estate planning and real estate but also is a Coral Springs family lawyer, Coral Springs probate lawyer and Coral Springs bankruptcy lawyer. In addition as a practicing state certified mediator, Ronald brings experience, expertise and empathy to your legal matter. Please contact his Coral Springs office at 954-755-1500 for assistance in protecting yourself, family and property.
There is no substitute for experience.


Grandparent’s Legal Visitation Rights in Florida

[caption id="attachment_486" align="alignleft" width="199"]Grandparents Photo by Photostock[/caption]

Florida is home to millions of grandparents but most of them do not have legal visitation rights of their grandchildren.  However, Governor Rick Scott recently signed legislature to expand grandparent visitation to a specific group of children, those whose parents are both deceased, missing or in a persistent vegetative state or if one of the parents falls into one of these categories and the other is a convicted felon.  It only applies if the children reside in Florida so if the children move or relocate out of the state of Florida grandparents are no longer protected under Florida law. Otherwise the State of Florida believes that parents have the right to determine who visits their children regardless of the relationship with the child.  This is heartbreaking to grandparents whose grandchildren may have lived under their roof since infancy but did not have legal custody of the child.  Many feel they have to walk on egg shells to prevent retaliation from the surviving parent.

Grandparents are able to petition the court for custody if the family home is deemed unsafe and parents are declared unfit as this kind of grandparent/extended family care has become a greater concern and need in Florida, especially with the growing population of grandparents residing in the state.

In all cases, the courts will decide on visitation and custody cases based on the best interest of the child.  This includes the willingness of the grandparents to encourage a relationship between the child and parents, the quality and length of relationship between the grandparent and child and the mental and physical health of the child and grandparent.

Every grandparent visitation case in Florida is unique and consulting an experienced family law attorney is a great first step.  Ronald A. Luzim first learns and understands the unique needs of each client and then offers personal service appropriate to each case.  He is a former estate and tax attorney with the IRS, has been practicing law since 1974 and specializes not only in estate planning and real estate but also is a Coral Springs family lawyer, Coral Springs probate lawyer and Coral Springs bankruptcy lawyer. In addition as a practicing state certified mediator, Ronald brings experience, expertise and empathy to your legal matter.   Please contact his Coral Springs office at 954-755-1500 for assistance in protecting yourself, family and property.

There is no substitute for experience.