Cell: 678.457.1155 | Office: 678.494.0644|RisCowan@tds.net
15 02, 2017

Legal Liability for Debt in a Georgia Divorce

2017-03-12T16:54:29-04:00Divorce, Financial|

The state of Georgia is an ‘equitable distribution’ state. In equitable distribution states, the court will assign debt responsibility in a way that is fair under the specific circumstances of the couple’s situation. Typically, debt belongs to the ex-spouse whose name is on it. That would leave you on the hook for your debt, [...]

20 12, 2016

Divorce and Your Credit

2017-03-12T16:55:48-04:00Divorce, Financial|

Divorce can wreak havoc on your credit score. Confusion or disagreement about who is paying what bills and who is using which credit cards is typically the culprit. Late pays, no pays, and insufficient funds can quickly cause the very best credit scores to plummet, but it doesn’t have to be that way. By [...]

4 12, 2016

Financial Considerations for Selling Your House During Divorce

2017-03-12T16:56:25-04:00Divorce, Financial, Popular|

Selling your home before, after, during, or because of divorce creates some substantial financial concerns that you should be aware of.  For example, it’s likely that your current mortgage is based on the income of both you and your ex-spouse.  When that salary is halved or reduced, maintaining house payments, property taxes, homeowner’s insurance, [...]

30 11, 2016

Real Estate Closings in a Divorce Situation

2017-03-12T16:56:37-04:00Divorce, Popular|

The closing of a real estate transaction is the day that the seller(s) transfers ownership of the property to the buyer, receive the sale proceeds and pay any mortgages.  Closing can only take place when the buyer and seller have fulfilled all the terms of the contract, so all that’s left is the transfer [...]

13 11, 2016

Coping with the Pain of Divorce and Home Selling


Regardless if the choice to sell your home is voluntary or forced on you by the circumstances of your divorce, it can be a painful and sometimes traumatic process.  Feeling pain when letting go of the place we loved and called home is perfectly normal.  We link our home with a powerful sense of [...]

28 10, 2016

Feeling the Burn of Divorce Chaos?

2017-03-12T16:57:14-04:00Divorce, Popular|

During a divorce, even a conversation with your ex-spouse can trigger high emotions, a heated argument, threats, and fear.  Unfortunately, selling a house is a complex procedure that’s heavily based on communication and negotiation, a process during which neither instinct of flight or fight helps. The most common and easy way to avoid these [...]

24 09, 2016

Selling Your Home with Pets or Kids


Showing your home to potential buyers can be tough when it’s occupied by either you or your ex-spouse.  Keeping things tidy and clean in the event of a short-notice showing is especially difficult if there are pets or children living in the house! There will be all types of people viewing your home; those [...]

14 09, 2016

The 5 Ways to Master Curb Appeal


Why does curb appeal affect the sale of a house so much?  After all, a buyer could easily add curb appeal after they buy the home, considering that it’s only a cosmetic issue and is relatively inexpensive.  Why is negative curb appeal such a turn off? It’s because a potential buyer is looking for [...]

29 08, 2016

What Makes Your House Special?


In the last blog post, I talked about finding and leveraging your home’s unique features to get more money for your home using the 80/20 rule.  But I know that one of the first questions we get from our clients when we tell them about the 80/20 rule is: “What’s my home’s unique feature?” [...]

6 08, 2016

Have you heard of The 80/20 Rule?


You’ve heard of the 80/20 rule, right?  It’s also known as the Pareto Principle, and it states that, for many events, roughly 80% of the effects come from 20% of the causes. But what in the world does the 80/20 rule have to do with selling your house?  More than you might think! It’s [...]

10 07, 2016

The Top 6 Ways to Make Buyers LOVE Your House


The key to selling your home quickly and for top dollar is to make sure that potential buyers LOVE it!  When your home stands out from the other listings a buyer sees, they are typically willing to pay more for it, even paying MORE than asking price in many instances!  If you want potential [...]

26 06, 2016

Questions to Ask When Interviewing Realtors to Sell Your Home


Whether you’re buying, selling, or both, it’s always a good idea to interview real estate agents before choosing the one you want to take control of your transaction.  This is especially important when you’re going through the divorce process as well, because the right real estate agents can make things easier, while the wrong [...]

23 05, 2016

Is Your Ex-Spouse Being Uncooperative on Your Home Sale?


Your ex-spouse could be resentful, disappointed, or just angry to lose control during your divorce, and this might cause them to try anything possible to thwart the effort of selling your home.  This can cause expenses, delays, and other headaches! Whether they’re refusing to vacate the home, making it tough for prospective buyers to [...]

29 03, 2016

Options for Your Home in a Divorce


An important question that you and your ex-spouse (or soon-to-be ex-spouse) must address quickly is what to do with the house. I can’t stress enough that rushed decisions could cost you big time!  In some situations, an option such as co-ownership or one partner buying out the other partner’s equity is the best scenario. [...]