Streamlining Your Family Law Practice

In today’s hectic and chaotic world, saving time and money is extremely important, especially for solo and small family law firms. Using multiple systems and manual processes and calculations can cause costly errors and take longer than necessary. But there are ways to reduce the time spent on manual processes and calculations using one comprehensive system for all of your family law work, so that you can spend more time with clients and less time crunching numbers.

Using One System for All of Your Family Law Work

Using one full system, such as Easy Soft, allows you to be ready for any situation a client may present you with. You also have room to expand your practice coverage to a neighboring state without issue or extra costs. Forms and calculations are also automated providing you and your clients with consistent and accurate data and information in half the time.

Automate Calculations & Manual Processes

To save even more time you can automate child support calculations. Using a single software package allows you to enter your data, preventing errors in other forms and worksheets and eliminating the manual process of entering the same information multiple times. Calculations are done quickly and accurately and you can review multiple child support scenarios simultaneously such as age adjustments, taxes and sole parenting vs shared parenting.

Divorce can be a difficult time for all parties involved. To make things easier, divorce settlement calculations can also be automated to make the process as painless as possible. Look at different alimony situations and compare lump sum versus periodic payments for both alimony and pensions. This will help to provide the best outcome for both sides.

Posted by Amy Prokop on in Divorce Financials, NJ Family Law Software, NY Family Law Software | Comments Off

Tips On Transitioning To The New TRID Procedures

The TILA-RESPA Integrated Disclosure (TRID) rule went into full effect on October 3, 2015. TRID does much more than introduce new forms to the process, however; it changes the entire way real estate transactions are administered. What can settlement agents and attorneys do to transition to the changes and facilitate transactions?

3 Ways Real Estate Settlement Attorneys Can Facilitate Transactions Under TRID

1. Learn the forms. There are two primary new forms under TRID: the Loan Estimate (LE) and the Closing Disclosure (CD) forms. These two forms replace the old Good Faith Estimate (GFE), the early Truth in Lending (TIL) form, the HUD-1, and final TIL forms. The new forms provide borrowers with information about their estimated monthly loan payment, the costs associated with obtaining a mortgage, and other details about fees associated with the loan. However, they are not to be used for every type of real estate transaction. Settlement agents need to know which forms to use for which transaction, and should become familiar with the new forms so they know how to fill them in correctly.

2. Learn the timelines. Timeframes are tighter and stricter under TRID. The Loan Estimate must be provided to borrowers no later than 3 business days after the borrower has provided 6 key pieces of information – name, income, SSN, address of the property for the loan, estimated value, and the mortgage loan amount sought. Lenders are responsible for providing the LE to borrowers. The Closing Disclosure form must be provided to borrowers at least 3 business days before the closing. Either the lender or the closing agent/attorney will be responsible for providing the form to borrowers. If any changes are made to the CD, the borrower receives an additional 3 days to review the revised form.

3. Steps to manage the process. Lenders are responsible for many of the new requirements under TRID, but there are several areas in which closing attorneys can help manage the process:

  • Become familiar with the new forms so you can answer client questions.
  • Keep the new timeframes in mind when providing the Closing Disclosure to borrowers.
  • Understand the new time limits and adjust your workload. Don’t promise quick closings; they can take as much as 10-14 days longer to close for the time being.
  • Encourage clients to submit their loan documentation as soon as possible to keep the process moving.
  • Avoid last minute changes as this will delay the closing.
  • Encourage clients to ask their questions, arrange walkthroughs, and make changes before the Closing Disclosure has been issued. Changes after this time will result in delays.
  • Keep communication lines open between your office, the lender, and the client so that everyone has the information they need to keep the process moving forward.

Stay On Task With Easy Soft

Easy Soft’s EasyRealEstate Suite can help real estate attorneys manage closings under TRID. The suite has been updated to reflect TRID changes and requirements. Most notably, the new Closing Disclosure forms are available in the newest software addition, EasyCDF.

The EasyRealEstate Suite is a complete software solution to help real estate attorneys manage TRID-compliant closings in-house, even if they don’t do them every day. Alerts, notifications, and built-in safeguards ensure you never miss a step and always complete the forms accurately and on-time. There has truly never been an easier way for attorneys to manage real estate closings!

EasyCDF and the EasyRealEstate Suite are available for immediate download at or by calling Easy Soft 1-800-905-7638.


Posted by Amy Prokop on in HUD Software | Comments Off

The Effects Of Social Media On Family Law Cases

Just as social media is now being used in hiring decisions, it’s also being used in divorce and custody cases. The information gleaned from sites like Facebook, Twitter, and Instagram are now being submitted as evidence in family law cases.

While it is not unusual for character witnesses to be called in family law cases, social sites can sometimes be used in a similar manner. Negative comments, images, offensive posts, and hostile interactions can all be submitted as evidence in divorce or custody cases. Partners can much more easily keep tabs on one another – and collect evidence against one another – by using social media.

How Social Media Is Being Used In Family Law Cases

Social media has been used as evidence in many different ways. Even seemingly innocuous posts such as those involving a check-in, photos of a new partner or spouse, or those of a parent having a glass of wine or beer can be used to demonstrate that a parent is unfit for custody. Even posts by the children involved in such cases can be used as evidence.

Any of these social posts or interactions can have an impact on custody, child support, and alimony. One spouse could argue that the other doesn’t need alimony if he/she is posting pictures of frequent vacations. Another could argue that a work-sponsored golf outing demonstrates that the spouse’s job takes precedence over the kids, or that pictures from a one-time happy hour indicate a substance abuse problem.

While most people realize they shouldn’t put in writing anything they don’t want a judge to read, they seem to have a lapse in judgment when it comes to social media. Anything on social media is considered “in writing” and should be treated as such. Comments, tags, replies, images, postings, shares, and links all provide direct insight into a person and his or her interests, beliefs, and attitudes.

Protecting Clients From Themselves

Attorneys have the job of advising their clients on what actions to start, stop, or continue in order to present the most favorable impression possible in a family law case. Increasingly, limiting their presence on social media is one of those recommendations. Attorneys may find themselves recommending their clients either do not use or severely limit their presence on the sites, or set strict privacy controls during divorce proceedings.

Collect And Preserve Social Media Evidence With Easy Soft’s EasyFamilyLaw Suite

Social media is here to stay and will have an impact on family law cases for the foreseeable future. It’s important for clients to understand that whatever they post online never really goes away and can be used against them in a court of law. On the flip side, you and your clients could use their ex’s social sites to collect evidence to boost your own case.

Easy Soft’s EasyFamilyLaw Suite of software can help you manage the data and evidence you collect. Divorce Financials can help you examine several different child support and alimony scenarios if you discover that your client’s ex has been untruthful about their financial situation.

Case Information Statement has several forms to help support negotiations and features that allow you to add details, such as those that might be found on social media sites, to your case data.

Visit to learn more about the EasyFamilyLaw Suite of software programs and how it can help automate your family law practice. Contact Easy Soft at 1-800-905-7638 with questions or to order a 30-day risk-free trial.

Posted by Amy Prokop on in Divorce Financials, NJ Family Law Software, NY Family Law Software | Comments Off

Is A TRID Grace Period In The Works?

As we explained in an earlier blog post entitled, “How Will TRID Be Enforced?” the Consumer Financial Protection Bureau (CFPB) has publicly stated that they are aware that TRID compliance is causing serious concerns in the real estate industry and plan to be sensitive to lenders who make a “good-faith effort” to comply with the rule and will “not be punitive” when it comes to enforcement of the rules; but, they do not plan to institute a formal hold harmless period.

Unfortunately, this position leaves plenty of room for interpretation and wasn’t enough of an assurance to placate the industry or lawmakers. The House of Representatives took matters into their own hands and voted on a bill that would formalize a hold harmless grace period regarding TRID changes shortly after the October 3 TRID implementation date. HR 3192 passed the House and now moves on to the Senate.

HR 3192 Was A Long Time Coming

The real estate industry has been lobbying Congress for years about nearly every aspect of TRID, from eliminating the rule, to having it changed, getting the implementation date pushed back, and now, a hold harmless grace period to allow the industry time to adjust to the new requirements without fear of repercussions from the CFPB.

Not only do lenders and settlement agents face severe fines and penalties if they don’t comply with TRID or if they make mistakes under the new rules, they risk being sued by homeowners in cases of accidental non-compliance. Lawmakers appear to agree with the industry that the changes required under TRID are too significant and the timeframe for implementation too short for those in the industry to be fully compliant on Day One.

What HR 3192 Would Do

HR 3192 is known as the Homebuyers Assistance Act and was first introduced to the House Financial Services Committee by Representative French Hill (R-Ark.) on July 23, 2015.

The bill was created to prohibit “enforcement against any person of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974, the Truth in Lending Act and regulations issued under such Acts” until Feb. 1, 2016. The bill also states: “no suit may be filed against any person for a violation of such requirements occurring before that date, as long as the person has made a good faith effort to comply with them.”

Veto Threat

Even with industry and legislative support, HR 3192 faces an uphill battle to become law. It still has to pass the Senate, but has yet to be scheduled for a vote. Even if it passes the Senate, it has to go to the President for signing into law, but the White House has issued a statement saying the bill would be vetoed because it would delay implementation of the protections under TRID and hurt homeowners by removing their rights to take action for violations. If it were vetoed, the bill would need to receive a 2/3 majority in both Houses of Congress to become law. HR 3192 did pass the House with a 2/3 majority but that could easily change with time, and it doesn’t take into account how the Senate will vote. According to GovTrack, the bill has a 21% chance of becoming law based on the obstacles in its place.

Set Your Mind At Ease With Help From Easy Soft

TRID is the law. There is no changing that. The only thing HR 3192 would do is give lenders and settlement agents a little bit more time to become comfortable with the changes. You can skip the worry and stop tracking bills like HR 3192 with help from Easy Soft. Our EasyRealEstate Suite and, in particular EasyCDF, is fully TRID and MISMO-compliant.

All you have to do is fill in the blanks and the software tracks your steps, flags any missing or incomplete information, and keeps you on task so you never miss a deadline.

EasyCDF and the EasyRealEstate Suite are available for immediate download at or by calling Easy Soft 1-800-905-7638.


Posted by Amy Prokop on in HUD Software | Comments Off

How Bankruptcy Can Affect Divorce Proceedings

It is not uncommon for a couple to cite divorce as the reason for a bankruptcy filing, but when the bankruptcy is filed can impact the divorce proceedings, making them more or less complicated and lengthy. In general, filing for bankruptcy protections prior to the divorce can be more cost-effective and lead to a smoother divorce, but what happens when bankruptcy is filed by one spouse in the midst of divorce proceedings?

An Automatic Stay On Property Division

Filing for bankruptcy in the middle of a divorce will effectively stop any divorce proceedings related to division of property or assets. Assets become property of the bankruptcy estate. When this happens an automatic stay on property division goes into effect. This stay prohibits all actions related to property of the bankruptcy estate, including the action of dividing property during a divorce.

However, even though there is a stay on the division of property, child support and child custody decisions are not affected. Any type of family support, whether it is alimony or child support is considered non-dischargeable in bankruptcy.

The Effects Of Chapter 7 Vs. Chapter 13

Whether Chapter 7 or Chapter 13 protections are filed can impact divorce proceedings, too. In both cases a trustee is appointed to administer the case, but their powers differ depending on the filing. This impacts how they administer the bankruptcy case and can impact a divorce case.

  •     Chapter 7 Bankruptcy. Under this form of liquidation bankruptcy the trustee can sell assets to pay creditors. If bankruptcy occurs during divorce proceedings, the trustee determines what assets belong to the estate and if they should be sold. In the case of joint property, the trustee may sell the entire asset. Chapter 7 bankruptcies are usually discharged after only a few months, so they can be completed quickly, but there are income limits to Chapter 7 filing which may impact whether the client is able to file jointly or is better off waiting until after the divorce to file as a single household.
  •     Chapter 13 Bankruptcy. Trustees under Chapter 13 protections do not sell assets to pay creditors, but will instead develop a repayment plan based on the value of the assets. Chapter 13 repayment plans usually take between 3 and 5 years to complete. Due to this, divorcing spouses will need to obtain permission from the bankruptcy court to continue dividing property in the divorce.

In either situation, filing for bankruptcy during a divorce has the potential to delay and complicate proceedings.

Get A Clear Picture Of The Impact Bankruptcy Will Have On A Divorce With Easy Soft’s EasyFamilyLaw Suite

It is hard enough to navigate through divorce proceedings when there isn’t a bankruptcy involved. When bankruptcy is a factor, it’s even more difficult. But there is no reason to wait until the bankruptcy has been finalized to proceed with the divorce. The EasyFamilyLaw Suite makes it possible to examine child support and alimony options while removing the question of asset valuation from the equation. The Lifestyle Expenditure Document helps prove monthly income needs while the FamilyDocs Module provides you with all the forms you need to manage the divorce. Create retainer agreements, pleadings, and orders, develop different support scenarios to find the best solution, and calculate the tax impact the divorce will have on your client using the Suite.

The EasyFamilyLaw Suite makes it possible for you to proceed with the divorce process despite a bankruptcy filing, but it can aid you if a bankruptcy filing is made during the divorce negotiations, too. The pension valuation and asset and liability distribution features of the software can be used to identify assets that will be frozen by the bankruptcy filing. The tool is extremely thorough, providing a step-by-step guide to identifying, valuing, and assigning ownership of assets. This can help speed up the asset identification process required by the bankruptcy and help prevent the filing from complicating or delaying the divorce. The information obtained through the software can even be used by spouses ahead of filing to determine if it would be more advantageous to file for bankruptcy first or finalize the divorce first.

This comprehensive suite of family law software is available from Easy Soft for just $49 per user per month (billed annually). Download a free trial risk-free for 30-days or contact Easy Soft at 1-800-905-7638 to learn more about the EasyFamilyLaw Suite.

Posted by Amy Prokop on in Divorce Financials | Comments Off

How Will TRID Be Enforced?

October 3 has come and gone. That means the TILA-RESPA Integrated Disclosure (TRID) rules are in full effect. Anyone in violation of the new rules can expect severe fines and penalties. This begs the question, “How will the enforcement of TRID be handled?”

Thousands of lenders, financial institutions, settlement agents, realtors, vendors and partners still don’t know how their regulator will enforce the new TRID rules. To date, there has been no declaration from the Federal Deposit Insurance Corp. (FDIC) and the Office of the Comptroller of the Currency (OCC) as to how they will oversee and enforce the new regulations.

Consumer Financial Protection Bureau (CFPB) Director Richard Cordray has said that the bureau will be “sensitive” to lenders who make a “good-faith effort” in compliance, and will “not be punitive” when it comes to the enforcement of the rules.

Small Institutions Have The Most Uncertainty

Even with these assurances, small institutions are nervous. Larger institutions are being kept under close watch. The CFPB has supervision of three-quarters of the total market. But this numbers only about 100 institutions. These large institutions will face undeniable scrutiny, but that leaves nearly 8,000 smaller institutions that are also regulated by the FDIC and OCC with little direction as to the standards they will be held to after October 3.

TRID is different from previous mortgage regulations issued by the CFPB. Under previous changes, not all institutions were affected; the smallest didn’t always have to comply. This is not so with TRID – even the smallest of institutions regulated by the FDIC and OCC must comply with the new rules. This is causing worry among smaller lenders and settlement agents who don’t have large compliance staffs to help them navigate TRID. What determines a “good faith effort?” and “How much leeway will smaller institutions be given?”

Still No Clarity

Although October is here, we are still waiting for clarity from the FDIC and OCC as to how they will enforce the rules. The FDIC issued a letter to its member institutions in June that updated its examination procedures post-TRID, and said those procedures would be its enforcement guidance for the industry.

These changes reflect the addition of TRID rules, amendments, and changes. They explain what lenders must do at every step of the mortgage process to remain in compliance. What is does not explain is how the FDIC will supervise enforcement, what the agency will be watching for, or what liability it plans to hold lenders to right after October 3.

Similarly, the OCC revised its interagency procedures in May to reflect the changes for TRID. The OCC is in the process of incorporating these revisions into the “Truth in Lending Act” and “Real Estate Settlement Procedures Act” booklets of the Comptroller’s Handbook. But, there still hasn’t been a statement on enforcement practices or guidelines. Even more alarming – there was no alignment with the CFPB’s remarks on being sensitive to good-faith efforts.

Protect Your Business With Easy Soft

What does all of this mean for real estate closing agents? It means it is better to be safe than sorry. Don’t risk non-compliance under the hope that your “good faith efforts” will be accepted. There is no need to take on such risk with Easy Soft here to help you. Our real estate closing software suite, EasyRealEstate Suite, is 100% TRID compliant. EasyCDF, designed specifically for the new TRID rules, walks you through the closing process so you don’t miss a single step. A built-in task feature helps you stay on track so you never miss a deadline.

To learn more about the Suite or EasyCDF contact Easy Soft at 1-800-905-7638 or visit us at

Posted by Amy Prokop on in HUD Software | Comments Off