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Your Connecticut Divorce Options: How to Take Control and Get Your Life Back on TrackFirst EditionBy Meghan Freed, Esquire and Kristen Marcroft, EsquireFreed Marcroft, LLCCopyright ? 2016, Freed Marcroft, LLCHartford, CTAll Rights ReservedTable of ContentsIntroduction4Section 1: Connecticut Divorce Options 1016 Section 2: Frequently Asked Questions13 Section 3: Connecticut Divorce Survival Guide21 Conclusion28Disclaimer29IntroductionWhy did we divorce? I guess you could say we had trouble synchronizing. You know that carnival ride where two cages swing in opposite directions, going higher and higher until they go over the top? That was us. We passed each other all the time, but we never actually stopped in the same place until it was time to get off the ride. –Diane Hammond, Hannah's DreamDivorce is stressful. According to the Holmes-Rahe Life Stress Inventory, divorce ranks second only to the death of a spouse in major stressful life events – and separation from a spouse ranks third. Even if you feel relieved to be moving on, you still face significant changes, challenges, and work before the transition is complete.But you’re not alone. In this book, we offer helpful tips and guidance on how to navigate your divorce, from weighing your options to embracing your newfound future.Here’s what you’ll find:Section 1: Connecticut Divorce Options 101. We explain the basics of divorce mediation, collaboration, and litigation work. We’ll talk about the differences among these approaches and how to choose the path that works for you.Section 2: Frequently Asked Questions. We raise and answer common questions people ask about the divorce process, as well as how to handle common obstacles – and make the most of common opportunities – that appear during the process.Section 3: Connecticut Divorce Survival Guide. We offer advice on managing the challenges a divorce creates or makes worse. Here, we cover everything from budgeting on a reduced income, deciding whether (and how!) to start dating again, reducing stress, staying organized, and gaining clarity about your future. We also provide a list of Connecticut resources available to make your journey simpler and more sure-footed.Divorce is tough, but so are you. And we’re here to help.Section 1: Connecticut Divorce Options 101Divorce is one of the most financially traumatic things you can go through. Money spent on getting mad or getting even is money wasted. –Richard WagnerSo you’ve decided to divorce. “It’s all over but the shouting,” your friends might say. But is the shouting inevitable? What about court?You and your spouse will need to resolve a number of issues before the divorce is made final. These may include:Who gets what items, such as the house, the vehicles, the furniture, and even the pets.How your financial assets and debts will be divided between you.When, where, and how each parent will see their children.Where the children will live.Whether one spouse will contribute to the financial support of the other, and if so, how much will be paid and for how long.Whether one parent will contribute to the financial support of the children, and if so, how much will be paid.Luckily, you don’t have to enter a screaming match to resolve these issues. Many divorcing spouses never go to trial to resolve them, either. You have other options for your divorce process. We’ll talk about the “big three” – mediation, collaborative law, and litigation – here.MediationMediation is a voluntary option for working out issues on which you and your spouse disagree. During mediation, you and your spouse work with a neutral third party called a “mediator.” The mediator has experience in conflict resolution, divorce law, and divorce settlements. The mediator’s job is to help you and your spouse discuss things more constructively than you have been able to do on your own. The mediator may also give you and your spouse information on divorce law or divorce settlements that can help you identify better opportunities and come to an agreement. However, the mediator will not give either party legal advice – for that, you’ll want to talk to your own attorney.Unlike a judge in a courtroom, a mediator cannot impose his or her own settlement on you or your spouse. Instead, the mediator’s goal is to help you and your spouse find a settlement that works for both parties. If all the necessary issues can be agreed upon in mediation, litigation is not needed in the divorce, saving both parties a great deal of money, time, and heartache. An out of court settlement can also be easier and less stressful for your children. If a settlement cannot be reached, you can schedule another mediation session, turn to collaborative law to continue working on the issue, or you can litigate in court.Typically, the parties to a mediation (here, you and your spouse) choose their own mediator from a list of experienced practicing mediators. Your lawyer can help you choose a mediator with specific experience handling the issues that you want to discuss at your particular mediation.Parties that choose mediation often prefer it because it gives them the power of direct participation in working out disagreements. By mediating, the parties work together in a supportive environment to find the best “fit” for each of them and, if needed, for their children. Mediation is often a good choice for spouses who are still able to have civil conversations that focus on the important issues. [Just to be clear, by the way, our team serves as both mediators and review counsel.]Collaborative LawLike mediation, collaborative law is a voluntary process. It offers a “middle ground” between mediation and litigation.Here’s a quick overview of what happens. In a collaborative divorce, both spouses – and your respective lawyers – sign an agreement that states that you will all work through divorce issues in negotiation. Typically, the agreement also states that no one will threaten to go to court in order to speed up the proceedings or to try to get what they want. Then, you and your spouse talk through the issues that have come up in your divorce. These may include disagreements over how to split assets, manage child custody, or handle other matters. You don’t have to talk these issue through alone, however – in the collaborative framework, you can call on a wide range of professionals to help, including mediators, divorce coaches, appraisers, or accountants. Throughout the process, your attorney works by your side to help move negotiations along and inform you of your legal rights and options.Spouses often prefer collaborative when two conditions are met: They are hesitant to take on the financial and emotional costs of litigation; and They also face significant disagreements that they may not be able to work out on their own or with only a mediator’s help. By signing an agreement to negotiate, both parties formalize their commitment to talking through the tough issues – and to calling in professional assistance when needed.LitigationLitigation is what most people think of when they picture a fight over finances, custody, support, or other divorce-related issues. In fact, many Connecticut divorces never go to litigation. Instead, the spouses work out contentious issues in other ways, and the court is involved only in “signing off” on the agreement the parties have made.Litigation is the default option, however, if your spouse won’t consent to an alternative process, like mediation or collaborative divorce. Even if you end up taking the litigation route, you still have options: the process offers many opportunities to negotiate settlements and resolve issues without having to hold a courtroom trial.Divorce TrialsThe “end point” of litigation – the option when all attempts to resolve issues any other way have failed – is a trial before a family law judge.Before the date of a hearing or trial, the parties and their respective lawyers participate in a process known as “discovery.” Relevant information and documents are exchanged, and the parties may sit through a question-and-answer process known as a “deposition” in order to create a record on which legal arguments in the case can be based. If the parties have not tried an alternative form of dispute resolution, such as mediation, the judge may order them to attempt it before going to trial.A trial in a divorce case follows the same general procedure as other types of civil trials. Both parties’ attorneys make an “opening statement,” laying out the facts they plan to prove. Then, each side makes its case by calling witnesses and presenting evidence to the court. Finally, each side makes a “closing statement,” which advocates in favor of the result that side wishes to achieve. The judge (and jury, if there is one) evaluates the facts and evidence presented, considers the relevant law, and issues a decision. The parties are expected to abide by the decision, although one or both may choose to appeal.Litigation is often the most difficult, expensive, and stressful method of settling any divorce issue. The parties must endure a public trial, and they are bound by whatever decision the judge makes – even if it is not the best fit for them or their families. When the parties cannot reach an agreement on an issue any other way, however, the litigation process may be the most reasonable strategic choice.Mediation, Collaborative, or Litigation: Which Do I Choose?Now that you are acquainted with the options available in a divorce, you’re probably asking, “How do I know which one to choose?”Choosing a divorce process is a vital decision. The process you choose will have a big impact on how smoothly your divorce proceeds and on the results. The good news is that you don’t have to make this decision alone – and, often, you can switch processes if you need to do so.Here are a few questions to help you evaluate your situation and narrow down the divorce processes that will work best for you:What is my lawyer equipped to handle? For the best flexibility, choose a law firm experienced in all three approaches to divorce. The team should find the best process for each client and then customize a strategy to meet the client’s needs and goals.Can I trust my spouse to share information freely? Mediation requires full, candid, voluntary disclosure of information from both spouses. If you fear your spouse may try to hide information, mediation is not for you. A collaborative law agreement, however, may work: terms for disclosing information can be included in the agreement, making it easier to know what information to share and to spot when one party is concealing something.What sort of professional assistance might we need? For example, if your divorce will mean splitting up a family business, you might need an accountant’s help. Dividing a valuable art or vintage car collection might require an appraiser’s assistance. If you’re going to need professional assistance above and beyond that of your lawyer, consider collaboration or litigation. Our team sometimes uses financial professionals in mediation, too.What’s our “feel” about this process? If you and your spouse are committed to focusing on the issues and trying to find workable solutions, you will do better in mediation or collaboration than if bitterness and anger are currently overwhelming your (or your spouse’s) better judgment.In addition to these questions, list specific concerns you have about your situation, and ask your lawyer about them. Your lawyer can help you understand how the different divorce processes might affect your situation and its potential outcomes, helping you to choose the best approach. A lawyer who practices in all approaches can guide you to the approach that will work for you and your family and then further customize it to best address certain issues. Want a side-by-side comparison of divorce options? This chart might be useful for you.Section 2: Frequently Asked QuestionsSome people think that it’s holding on that makes one strong; sometimes it’s letting go. –UnknownThe decision to divorce raises seemingly endless questions. How do I start? What’s going to happen? How do I protect my interests? Can I get the results I want?In this section, we answer some of the most commonly-asked questions that arise when one is considering divorce. We also help you identify the most common obstacles and opportunities, so that you can prepare for a smoother process.How much will my divorce cost?One of the biggest concerns for anyone considering divorce is the price tag. How much your divorce costs will depend on several factors, including:How complex your divorce is,How many issues are contested (and how hotly they are contested), andThe divorce process you end up using. Mediation and collaboration tend to be less expensive than litigation. Even when your collaborative process calls in additional team members, such as accountants or appraisers, the final “price tag” is often lower than litigation or trial because the process is more efficient.Plan for attorney fees, court filing fees, and other expenses, including the potential costs of experts like accountants or appraisers. Talk to your lawyer about the costs involved in the approach you want to take. Costs differ in mediation or collaborative law, and they are often lower: for instance, spouses pursuing a collaborative divorce may agree to choose a single appraiser, rather than working with two separate appraisers.I want to move out now. What can I take with me?Generally speaking, you can take your personal items, like clothing and toiletries, without trouble. Any other items you take might still be considered “marital property,” in which case their value will either be deducted from your share of the property, or you’ll have to compensate your spouse for them. Once your divorce is finalized or you know what’s “yours,” you’ll be able to take more items with you. In the meantime, play it safe or talk to your lawyer – the rules regarding what you can take with you differ depending on whether you and your spouse commit to mediation or collaborative divorce.How does the divorce process begin?In one sense, the divorce process begins when you commit to carrying out the divorce. This is the point at which you start to plan and prepare, and to talk to your lawyer about your options and goals.If you choose mediation or collaborative law, the formal “beginning” of the divorce process is somewhat different than if you choose litigation. In mediation or collaboration, you have more flexibility regarding how you and your spouse approach divorce. Your lawyer can explain what that will mean for your specific situation.If you’re litigating, the divorce process officially begins when a “petition for divorce” is filed with your local court clerk. In most divorces, it does not matter which spouse files the petition, although your lawyer can advise you on whether or not you should be first to file in your specific situation.Once the petition is filed, it will be given a case number, and a copy will be served on your spouse. Your spouse has a limited amount of time to respond. Once your spouse responds, the court will set a date for the next step, which may include mediation, a hearing, or a temporary court order.Although either you or your spouse can file the petition on your own, if you work with a lawyer, your lawyer’s office will handle these steps for you – and advocate for “next step” dates that fit with your goals for your divorce process. What should I expect at mediation?During mediation, you and your spouse work with a mediator. Both you and your spouse are encouraged to hire “review counsel” to represent your interests and to review the mediation agreement.The mediator’s job is to help you both understand the legal issues, consider your options, and find common ground. It is not the mediator’s job to push or force either of you to accept any particular decision.Mediation works best when both parties arrive prepared to focus on the issues to be discussed. Prepare for mediation by gathering the information you will need to make informed decisions about the issue. For instance, if your mediation will focus on how to split the family business, you may wish to bring copies of financial records and other information, so you have a clear understanding of the assets, debts, and other issues at stake. If your mediation’s main goal is to work out a parenting plan, copies of your children’s school and extracurricular schedules will be helpful.Finally, if you need the input, don’t hesitate to talk to an experienced therapist. Any divorce process can (and often does) provoke strong emotions. By taking proactive steps to process these emotions, you prepare yourself to make more clearheaded decisions during mediation.What is a “legal separation”? Should I consider one?In Connecticut, a legal separation has many of the same legal effects as a divorce, except that neither person can remarry. A plan covering things like support and child custody may be created as part of a legal separation.Many couples consider legal separation because it feels less “harsh” than a divorce. In practice, however, we find that fewer and fewer couples are choosing legal separation. Legal separation still requires negotiation of the same issues as a divorce, and it can affect things like your health insurance. Your lawyer can help you determine whether a separation is a good option and work out the issues that apply specifically to your situation.How is property divided during a divorce?Dividing property during a divorce is similar in many ways to splitting up a business. Its emotional impact, however, can be very different.When property is divided during a divorce, most of the questions focus on the property acquired during a marriage. In a litigation, the court is allowed to divide other property as well, such as assets one of the spouses acquired before the marriage. You and your spouse can also agree to divide property in an agreement you make in mediation, collaboration, or during the course of litigation.No matter which process you use to divide property, you’ll need to consider the earning power of each spouse, the contributions each spouse made during the marriage, and other financial aspects in order to reach an agreement.How are child custody and support decisions made?In Connecticut, any decision made during divorce that affects the children must account for the “best interests of the child.” Many parents prefer to discuss custody issues in mediation or in a collaborative process because it allows them to participate directly in creating the parenting plan that is best for their children’s needs and futures.One important distinction to keep in mind when discussing custody is the difference between “legal custody” and “physical custody.” Legal custody includes the right to be involved in important decisions, such as where your child will go to school, what medical care they will receive, and what kind of religious training they will have. Physical custody typically refers to where the child lives and which parent supervises them during that time.Often, parents share legal custody even if they don’t split physical custody 50/50 – but this arrangement is not right for every family. You and your spouse can work to find an arrangement that is.Child support in Connecticut is determined through a calculation set by law that factors in the parents’ respective incomes, child support paid for other children, and the costs of health insurance for the child. If a parent’s income changes significantly, the child support amount may be re-calculated to reflect the change.Can we get outside help with divorce issues?Depending on the items that must be discussed during your divorce, you or your lawyer may opt to bring in any number of qualified professionals to help address questions. In a collaborative divorce, working with a team is common. For example, a divorce that will affect a family business may benefit from the advice and oversight of an accountant. Families with collections of valuable art, vintage cars, or other items may need the help of an appraiser to ensure that these assets are shared equitably. Child psychologists, social workers, or educational professionals may be called upon to help parents whose children have specialized educational or medical needs.Your lawyer can help you find people with the qualifications and neutral approach needed to be fair and aboveboard when solving problems.Divorce vs. Annulment: which should I choose?Generally speaking, a “divorce” ends a marriage. The marriage is recognized as having happened in the past. An “annulment” treats the marriage as though it never occurred.Connecticut law only allows a marriage to be annulled if certain specific grounds exist. For instance, a marriage between two people who are too closely related could be annulled, as well as a marriage involving one spouse who was already legally married to someone else. Fraud, force, or duress in the making of the marriage can also be grounds for annulment. If none of these grounds exist, the couple cannot have the marriage annulled, but they may divorce.It’s important to remember that a legal annulment and a religious annulment are two different things. To learn about legal annulment, talk to your lawyer; to discuss annulment for religious purposes, talk to your religious leader.What if I don’t want to get divorced?Sometimes, one spouse wants a divorce, while the other wants to continue to work on the marriage. If you’re in this situation, the best thing to do is to talk to a lawyer as soon as you can.In Connecticut, a spouse who files for “no-fault” divorce can get one despite their husband or wife’s desire to stay married. However, you are not out of options. Negotiating for adjusted living arrangements, for instance, can give you both some space, making it easier to work on issues in your marriage. Mediation or collaborative divorce can help the two of you work together to find common grounds like your passion for the family business or your love for your children. It also allows you to pace the divorce process so that your spouse gets the space they need and you get the time you need to adjust and prepare.No matter what options you choose, strongly consider working with a qualified, experienced attorney to understand your opportunities and make the most of them.Section 3: Connecticut Divorce Survival GuideDivorce isn’t such a tragedy. A tragedy’s staying in an unhappy marriage, teaching your children the wrong things about love. Nobody ever died of divorce. – Jennifer Weiner, Fly Away HomeSo you’ve decided to divorce. Now what?While some of the big questions you’ll have to answer are legal in nature, most of them are not. Here, we offer advice on managing the challenges that divorce creates or makes worse – everything from budgeting on a reduced income and jumping back into the dating pool to reducing stress, staying organized, and planning for your future.Budgeting for Your New Life: a How-To Changing your lifestyle isn’t easy, but it’s often necessary during a separation or divorce. Here is a “quick start guide” to keeping your finances under control and ensuring you can get what you need.Create a budget. List your predictable sources of income, the amount, and the times you get paid. Then, list your recurring, regular expenses and when they are due: rent or mortgage, utilities, food, medical, transportation, and other items. This can help you determine when items are due and when you’ll have the money to cover them.Track your expenses. Track every dime you spend for three months to get an overview of where your money goes – and to spot places to trim expenses.Do some comparison shopping. The Internet makes it easier than ever to find better interest rates on loans, compare prices for home and auto insurance, and find the best rate on telephone, cable, and Internet services.Get professional advice. Pre-approved credit card offers, debt consolidators, and other “services” tend to target the newly divorced. Skip these offers and talk to your attorney or accountant instead.Resist the urge to splurge. Starting a new life can make you want to start a “new you”, trading in everything from your vehicle to your hairstyle. Instead, work on creating a “new you” on the inside – and put the cash into savings.When (And If) to Start Dating AgainNearly everyone who endures a divorce starts to think about dating again. In fact, studies recommend taking your time between serious relationships, in order to build the inner strength, resilience, and clarity you need to be the best partner you can – and to find the right person for you.Here’s how to gauge whether or not it’s time to jump back into the dating pool:You know what you want (and don’t want). You’ve spent some time evaluating your past marriage, and you know which qualities you’d like to keep in a partner and which ones you’d like to skip. Most importantly, you have a clear list of “deal-breakers” – and you aren’t afraid to say “sorry, no,” if you encounter one.Thoughts of your ex provoke feelings of “meh.” Maybe you remember the good times fondly or the bad times sadly, but you’re neither passionately in love nor full of rage. The fact that your ex-spouse exists is no longer interesting to you. Perhaps you even wish them well.You’re excited about meeting new people. Treat dating as an adventure in which you get to discover new people and new ideas, and you’ll be in a great position to find compatible partners – and to ensure you get what you want and need, as well.Ways to Tame the Stress MonsterRecognizing and dealing with stress is essential to your journey through the divorce process. When you can manage stress, you can make clearer decisions about your future and that of your children. Here are some ways to keep stress under control, so you can take control of your future:Make your emotional needs a priority. Divorce is a major life change, which means it stirs up major emotions. Support groups or regular appointments with a qualified therapist can help you process your feelings and regain a sense of control.Get some exercise. Even a quick walk during lunch or after dinner will help your body produce endorphins, which help reduce tension, anxiety, and anger – and even speed physical healing.Be kind to yourself. Make some time every day to indulge in a hobby you enjoy, whether it’s reading a book or shooting some hoops. Eat healthy, nutritious foods you like. Talk to people who care about and support you.Think through your decisions. Hastily-made decisions are almost always driven by stress, and the results can easily come back to haunt us. Instead, insist on time to think through your answers. No divorce question demands an immediate response (no matter what you might hear), so take time to think and to get the information you need before you give your answer.Change your expectations. You cannot control the feelings and actions of other people – and trying to do so will only stress you out more. Set goals, and do what you can do to reach them, instead of worrying about what others will do.Stay Organized, Stay StrongDivorce throws a lot of information at us that we don’t always expect or think about. From the monthly bills to your children’s next dental appointment, you’ll find yourself juggling details that weren’t on your radar before. To stay organized during your divorce, start by designating a place for your paperwork. Choose an expandable file or a filing cabinet drawer, and keep copies of everything related to your divorce case in that location. If you’re worried about your spouse having access to that paperwork, keep it at work or in the house of a friend.Next, commit to responding to divorce items as soon as you can. When a letter or email arrives from the court or your lawyer, open it immediately and take care of whatever is inside. Not only will you stay on top of the process, you’ll also avoid the potentially overwhelming dread that comes with “stewing” on an item. Instead, deal with them the way you might tear off a bandage: in one fell swoop.Whenever you visit your lawyer, arrive prepared. Bring your file with copies of your paperwork. If your lawyer asked you to bring additional information, make copies and put them in this file, so that you won’t forget them. Finally, if you don’t already have a working system for tracking dates and deadlines, get one! All smartphones and most regular cell phones have calendar options for tracking dates. If you prefer a more time-honored method, a day planner or a bullet journal can help you ensure you don’t miss anything important – whether it’s a mediation date or your child’s latest soccer game.Planning for Your FutureNo matter how complex or bitter, every divorce process is finite. On the other side of the divorce is the rest of your life. What will you make it? What do you want it to look like?When you take some time to plan for your future, you gain clarity about the divorce process. You start to see which things are important to you and which can be “let go.” You also help your lawyer recommend options and procedures that will help move you closer to your ideal future.To put yourself on track for that future after divorce, keep these steps in mind:See a qualified divorce attorney. If you haven’t chosen a lawyer yet, now is the time to start looking. The sooner you seek legal advice, the more clearly you will understand your options and be able to seize available opportunities.Store your financial documents together and in a safe place. Make photocopies of financial paperwork and keep it all in the same file. If you don’t trust your spouse, or you are concerned that they may try to hide assets, keep this paperwork at your job or with a friend whom you trust.Keep it constructive or keep it to yourself. The spouse who bad-mouths the other to their children or to friends is often the one who winds up losing or damaging the very relationships that will sustain them once the divorce is final. To vent your feelings, work with a therapist who can help you process strong emotions constructively.Take time to dream. One of the most powerful and constructive things you can do for yourself during a divorce is to spend time daydreaming about your ideal future. Who is there with you? Where do you live? What kind of work do you do? What goals have you achieved? Write down your answers to these questions, and refer to them when you are feeling hopeless or overwhelmed, or when you simply have no idea how to address a problem in divorce negotiations.ConclusionGoing through a divorce can profoundly change your life and create a cascade of challenges and opportunities. Whether your husband shocked you with an announcement over the dinner table about his intention to leave, or you feel compelled to initiate a separation because the spark is just no longer there in your relationship, you likely still have lots of unanswered questions and concerns. In this ebook, we hopefully began to address some of the most vital. In Section One, we examined and explained critical legal concepts and discussed the possible strategies you can use to obtain a divorce in Connecticut. Mediation, collaborative and litigation all have their place, and you need to pick a strategy that’s appropriate to your situation.In Section Two, we surfaced and talked about frequently asked questions that people have about how divorce works in Connecticut.Finally, in Section Three, we explored strategies and tactics to weather the divorce process and to make progress in your life professionally, personally, emotionally, socially and spiritually.We hope this book has been useful and inspiring, and we welcome any feedback. What would you like to know that hasn’t been covered? Our team is also standing by to provide a confidential consultation about your Connecticut divorce case. Please explore more resources at , or call us at 860-560-8160. Thanks for reading, and good luck. You will get through this!DisclaimerDisclaimer for “Your Connecticut Divorce Options: How to Take Control and Get Your Life Back on Track”You understand that this book is not intended as a substitution for a consultation with an attorney. Requesting this book or viewing the information in it does not create an attorney-client relationship with Freed Marcroft, LLC or any of its attorneys. To obtain legal advice, please engage the services of Freed Marcroft, LLC or another law firm of your choice. To discuss engaging Freed Marcroft, LLC to help you with your matter, please contact the firm.FREED MARCROFT, LLC IS PROVIDING "YOUR CONNECTICUT DIVORCE OPTIONS: HOW TO TAKE CONTROL AND GET YOUR LIFE BACK ON TRACK” (HEREAFTER REFERRED TO AS "BOOK") AND ITS CONTENTS ON AN "AS IS" BASIS AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WITH RESPECT TO THIS BOOK OR ITS CONTENTS. FREED MARCROFT, LLC DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES, INCLUDING FOR EXAMPLE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN ADDITION, FREED MARCROFT, LLC DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE VIA THIS BOOK IS ACCURATE, COMPLETE OR CURRENT.The book is provided for information purposes only, and relevant laws frequently change. Except as specifically stated in this book, neither Freed Marcroft, LLC nor any authors, contributors, or other representatives will be liable for damages arising out of or in connection with the use of this book. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory; direct, indirect or consequential damages; loss of data, income or profit; loss of or damage to property, and claims of third parties and punitive damages. ................
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