☀️ August Realities: When Summer Spending Turns into Financial Stress – Is Bankruptcy the Right Move?

By Ramona S. Chaplin, Esq.

As the long, sunny days of summer wind down, August often brings a different kind of heat—financial pressure. Between family vacations, summer camps, back-to-school shopping, and reduced hours at work, many individuals and families find themselves struggling to make ends meet by the end of the season.

If you’re seeing a spike in credit card debt, missed payments, or the emotional toll of financial stress, you’re not alone. August is a common time when people start considering whether bankruptcy might offer a fresh financial start.

Let’s talk about why, and how bankruptcy could be a practical tool—not a failure—after a tough financial summer.

💳 Why August Brings Financial Strain

  1. Summer Overspending
    Between travel, childcare, and entertainment, it’s easy to spend beyond your means—especially if credit cards made it feel painless in the moment.
  2. Back-to-School Costs
    New clothes, supplies, technology, and extracurricular fees can drain your bank account fast—especially if you’re still recovering from summer expenses.
  3. Reduced Work Hours or Seasonal Layoffs
    Many clients work in industries that experience a late-summer slowdown. A reduction in income can make even basic living expenses difficult to manage.
  4. Rising Interest Rates
    In 2025, credit card interest rates remain historically high—making it nearly impossible for many families to catch up once they fall behind.

📘 Frequently Asked Questions: Bankruptcy in Florida

Q: How do I know if bankruptcy is right for me?
If your debt feels unmanageable, you’re only making minimum payments, or you’re using credit to pay for necessities, it’s time to explore your options.

Q: Will I lose everything I own?
Not necessarily. Florida offers strong exemptions to protect your home, car, and certain personal property. Every case is different—get legal guidance before making assumptions.

Q: Can bankruptcy stop wage garnishments or collections?
Yes. Filing for bankruptcy triggers an automatic stay, which stops most collection actions, including lawsuits, wage garnishments, and harassing calls.

Q: What’s the difference between Chapter 7 and Chapter 13?
Chapter 7 is a faster discharge of qualifying debts for those who meet income limits. Chapter 13 sets up a 3–5 year repayment plan and can help save a home from foreclosure. I can help determine which fits your situation.

Q: Will filing ruin my credit forever?
While bankruptcy will impact your credit in the short term, many clients see improvement within 1–2 years, especially when they use the opportunity to rebuild wisely.

🛑 You Deserve a Reset, Not Regret

It’s easy to feel ashamed about money problems—but financial stress doesn’t define your worth. Sometimes, the most responsible choice is asking for help and choosing a legal solution that gives you breathing room and peace of mind.

📞 Ready to Talk?

If August has brought more bills than blessings, let’s talk about your options. Bankruptcy might not be your only solution—but if it is, I’ll help you handle it with dignity and confidence.

📍 Call today at 904-432-1221 or visit www.ramonachaplinpa.com to schedule a confidential consultation.

You’ve survived summer—now take control of your fall. 🍂

📌 Summer Adjustments: How to Modify Your Child Support Order in Florida

As families evolve, so do their financial circumstances. With summer in full swing

🌴, it may be the perfect time to reassess whether your current child support arrangement still meets your family’s needs.

In Florida, either parent can request a modification of child support when there’s been a substantial change in circumstances. 📉📈

💡 Common reasons for modification:

🔁 A significant increase or decrease in income

💼 Job loss or a new employment opportunity

👧🏽 A change in the child’s needs (health care, education, etc.)

👨👩👧 A change in timesharing arrangements

To qualify, the change must generally result in at least a 15% or $50 difference in the support amount under Florida’s child support guidelines.

🛠 Steps to Modify Child Support:

  1. 📝 File a Supplemental Petition
  2. 📬 Serve the other parent and
  3. 📂 Provide documentation

Important: Informal agreements cause future disputes. Always go

💬 If your financial situation has renewal—and that includes your legal

👨⚖ Need help filing or defending Our experienced family law team is compassion and clarity.

📞 Call us at (904) 432-1221 or

💻 Visit us online: www.ramonachaplinpa.com

🎉 Happy Father’s Day: Know Your Parental Rights Under Florida’s New 50/50 Timesharing Law

June is a special time to celebrate the fathers in our lives. Whether you’re a dad yourself or supporting one, Father’s Day is a reminder of the vital role fathers play in the upbringing and well-being of their children. 👨👧👦💙

This year, the celebration carries new significance for Florida fathers. In July 2023, Florida law underwent a major change that directly impacts parental rights. Under the new legislation, courts now operate with a presumption that equal (50/50)

timesharing is in the best interest of the child . This means that both parents,

including fathers, are presumed to be equally capable of sharing the responsibilities and joys of raising their children. 👨🏾⚖👩🏼⚖

While this presumption is rebuttable—meaning a judge can decide differently if evidence shows equal timesharing is not appropriate—it marks a significant shift toward fairness and shared parenting responsibilities in Florida family law.

However, to take advantage of these you are not married to the child’s fathers may have no enforceable rights

📋 Steps to Establish Parental Rights:

File a petition to establish paternity

Request a parenting plan with

Determine child support, if applicable

At The Law Offices of Ramona S. committed to helping fathers navigate this process with confidence

📅 This Father’s Day, give yourself—and gift of legal certainty.

Let us help you take the next step parent.

📞 Call us at (904) 432-1221 or

💻 Visit us online: www.ramonachaplinpa.com

May Reflections: Honoring Mothers, Remembering Heroes & Navigating Family Law Changes

🌷May Reflections: Honoring Mothers, Remembering Heroes & Navigating Family Law Changes🌷

By Ramona S. Chaplin, Esq.

May is a month of meaning—of celebration, reflection, and transition. As we honor Mother’s Day and Memorial Day, I’m reminded how family law often intersects with life’s most emotional moments.

Whether you’re a devoted mother seeking support, a military family navigating deployment-related custody changes, or simply adjusting to life’s new realities, May is the perfect time to reflect on how the law can support and protect your family.

This month, I’m answering some of the most frequently asked questions about modifying child support, parenting plans, and alimony in Florida. If you’re considering a change, you’re not alone—and you’re not without options.

🌼Frequently Asked Questions: Family Law Modifications in Florida

1. Can I modify a parenting plan if my work schedule has changed?

Yes. If there’s been a substantial, material, and unanticipated change in circumstances, such as a new job or relocation, you may be eligible to modify your parenting plan. The change must be in the best interest of the child.

2. My ex-spouse is active duty military. Can we change our parenting schedule during deployment?

Absolutely. Florida law allows for temporary modifications due to military service. These agreements should be filed with the court to ensure clarity and enforceability.

3. Can child support be modified after a change in income?

Yes. A significant increase or decrease in either party’s income may justify a modification. This applies whether you’re a paying or receiving parent.

4. I lost my job. Can I stop paying alimony until I find new employment?

You may request a temporary or permanent modification of alimony, but it’s important not to stop payments without court approval. The court will consider your good-faith effort to regain employment.

5. How often can I request a modification?

There’s no strict limit, but frivolous or frequent motions without a substantial may be denied. It’s wise to consult an attorney to evaluate whether your qualifies.

💐Mother’s Day Thought:

To every mother navigating co-parenting, support, and transitions—your strength is the cornerstone of your child’s stability. You deserve clarity and peace of mind in your parenting plan.

🎖Memorial Day Reminder:

For military families, flexibility and legal protections are available. If you’ve served or supported someone who has, thank you. I am proud to support our service members and their loved ones in protecting their rights and responsibilities.

📞 Let’s Talk

If you’re thinking about requesting a modification, don’t wait. The process can take time, and acting early can make all the difference.

Call my office at 904-432-1221 or visit www.ramonachaplinpa.com to schedule a consultation. I’m here to help you navigate life’s legal transitions with clarity and compassion.

Spring Into a Fresh Start: Family Law, Bankruptcy, and Probate in the New Season

Spring is a season of renewal, growth, and fresh starts. Just as nature blossoms, this time of year can also be an opportunity to make positive legal changes in your life. Whether you’re navigating family law matters, considering bankruptcy, or handling probate issues, the Law Office of Ramona S. Chaplin is here to help you embrace a new beginning.

Spring Cleaning Your Parenting Plan: Spring Break & Custody Agreements: What Divorced Parents Should Know

Spring break is a time for fun, relaxation, and family adventures, but for divorced parents, it can also bring stress and conflicts over custody arrangements. Whether your parenting plan clearly outlines spring break schedules or you’re facing last-minute changes, here are some essential tips to navigate co-parenting during this time:

Spring break should be about creating memories with your children, not conflicts with your co-parent. A little preparation goes a long way in ensuring a smooth and enjoyable break for everyone.