Support for Partners of Vets, Desperately Needed

The film, “Thank you for Your Service,” is an outstanding movie. It is informative and directed more like a documentary rather than a blockbuster film with special effects and big names. This is essential to make it raw and to create an illusion that you are in the midst of someone’s private life. And you are because even though these are all actors, they are portraying real people and these events did happen.

So I would like to use this film as a spring board into the issue of support for partners of vets, which is not the intention of this film; though it is there begging to be the subtitle. All of this film caused me to be at the edge of my seat because the male soldiers were so emotionally unstable; I felt afraid of what they were going to do next. The ending hit with a bomb as the main soldier told the story of how a woman’s husband was killed. Yet what stuck with me the most was this line, which says so much about women today “Would you like a blow job,” she says thinking this will comfort her husband. He isn’t communicating with her and this is all she can think of. This comment and the woman’s fixation on sex (to get him to talk) during the entire movie is just one of the reasons it is imperative to have support for partners of vets.

Back in the early 80’s, my then husband was a sailor enlisted in the U.S. Navy. He was about to be deployed on a West-Pac (aka tour of the Western Pacific) for six months. The families were brought in for a meeting prior to their departure to help couples understand what to expect, or what was normal. They told us about the departure, a little bit about what was going to happen and when we should expect the men to return. They also talked to us about relationships and sending letters, and about the fact that the Captain’s wife would be our ombudsman, available to us while the men were gone. This woman, whose name I cannot recall, met with the ladies during the six months on at least a monthly basis. We got together to chat, have coffee, discuss the letters we were receiving, any news we might need to know and ask questions about our housing, our money or any other issues of concern. It helped to build comradery, alleviate isolation and perhaps depression, but also to develop respect for the military and our spouses.

As I work with the military now, as a contracted civilian psychotherapist, not one single person has understood what an ombudsmen is nor do they recall such intimate gatherings taking place as I assumed was typical. There are yellow ribbon ceremonies that take place months after a return from deployment. At these presentations it is nicknamed “death by power point,” which means there isn’t a lot of concentration on what is being said. The meeting I attended with my ex-husband in the 80’s was approximately 30 people with our Captain speaking to us directly. The ceremonies today can be anywhere from 70-300 and sometimes even more than this. My psychotherapy table is the least visited booth on the breaks. Once the ceremony is over, people race to get out the door first. It is very sad to me because this is too little, too late and I feel as if it is nothing more than a checkbox being ticked; rather than attention to the mental health needs of men and women both soldiers and their partners. When I talk to people about this, the only thing I ever hear is “it would cost too much money.” This essentially means a person’s life is not worth it. What we see in the movie noted above is the main character being told by the VA that he won’t be able to see a mental health person for a number of weeks. He responds that he could be dead [by suicide] by then.

Going back to the issue of partners in the military, the point is that women today have no self-respect (nor do men) and look at themselves as sexual objects rather than partners and team players. What can we expect though when we live in a sexualized society where people are overly focused on what your sex type is and are confused about what gender they want to be? Where women believe that a date means you need to have your breasts hanging out, heavy make-up and six inch heels rather than a time to dress like a woman with the intention of getting to know the man in front of you.

Many children today are raised by single parents and sometimes they don’t even know their father or their paternal family. Often I see that they are pacified by technology. The teen girls and young adult women I talk to don’t use birth control and so many are desperate to trap the guy with a baby. Others use feeble excuses as to why they don’t use protection such as the doctor said they couldn’t get pregnant or it has been so long without a pregnancy they thought they couldn’t. These guys are happy to become “gamers” today and the girls stand idly by wondering why they won’t pay attention to them. They don’t need a war to ignore.

Since everywhere a woman turns she is being portrayed as a sex object, in the media and society, what else is there for her to think? Parents are not educating their children on sexuality nor are they teaching standards (I see this moreso with one parent families because there is no time to have quality time). Parents often race to get home to cook dinner while they check FB or Twitter and start chatting with someone else who is not there. Thus the kids are following their intended role models.

Once women were groomed to be married and the talk of sex was the last thing they would learn (if they had a talk at all). They learned about courting men which meant being a good conversationalist. They learned to dress appropriately so as not to tease. They learned to behave like mature ladies rather than silly girls. They understood that at times men needed their space and to walk away and self-soothe if need be like attending to a personal project or hobby. Women used to be self-sufficient. They were involved in women’s groups, charities/fundraisers, raising their children, running a household. Their days as teens were not spent hoping they would get laid but hoping they would find a suitable match. Their parents didn’t allow them to shop at a store such as “Victoria’s Secret” and purchase thongs or push up bra’s (when I was a teen even, this was a store for adult women not teenagers), it was a time of restraint and modesty.

We have come to a place where we have no standards. There are no rules in society. We are career women yet many go to work thinking about some guy they will see there. We don’t dress like women who want to get ahead because we have lost a sense of dignity and integrity. More and more companies are adopting a work culture with no professional dress policies.

Therefore, how can we expect a young woman whose husband or partner comes home from war to think of nothing more than sex? The soldier is coming home from war without their mental health as a top priority, even though they are a ticking time bomb. The partner has no support, the soldier has no support and so it is the blind leading the blind. I’ve seen so many resources available to give the post-deployment folks free this and free that and incentives for one thing or another. All this money could be utilized more effectively by supporting them with psycho-education and mental health services that are mandatory and respected.

In the movie the soldier is told (by his superior), to not allow his men to see him as a weak person getting services from mental health. This is not an isolated situation as I hear this time and time again from vets and their partners. We are all too aware of the problems with the Veteran’s Administration. What some people don’t realize is there is not enough staff and people are backlogged and no one gets preferential treatment. The staff are not treated fairly or with respect in some cases, no different than corporate America. Essentially, they are government workers no different than at the Department of Motor Vehicles. I learned recently it is not run by the military but by a corporate boss who is assigned to head the VA but this is not necessarily based on merit, experience, or military background.

In Britain, after a woman gives birth, a health worker follows her for a year to teach her how to care for her new child. In Britain, when soldiers return from war, they are held on base for 30 days before reintegration into society (as I’ve been told by an officer) and have a much lower suicide rate than the U.S. When astronauts land back on earth, they too are held before being reintegrated back in society. Why do we choose to ignore the people we have trained to kill, knowing full well that more than 30% will come back with Post-Traumatic Stress Disorder? Worse than this is that 20 veterans die by suicide daily. The American Association of Marriage and Family Therapists have been fighting with the military for years to hire us to work with soldiers on base. The jobs currently only recognize social workers.

What I would like to see is an independently licensed clinician, who serves as a family support worker. Someone who is assigned to a household that they follow for a year pre and post-deployment on a monthly basis. Someone who goes to the home weekly post-deployment, and then monthly once services are set up and followed through on. We do this with foster children as this was once my job. While in the home, the worker would be responsible for psycho-education first and foremost, secondly helping the family to fill out forms and explaining the importance of these services. Their job would be to assess and monitor follow-through on mental health support (not to provide it, i.e., not be the actual therapist as you cannot be in a dual role but offer counseling support). This job would then write reports to provide to a supervisor who is monitoring the clinicians in the home. No confidential information need be provided to anyone with exception to that which is a limit to confidentiality (which already exists for clinicians in the military). The records that pertain to mental health would be held by the supervisor. The supervisor could provide demographic information in the way of statistics so that the information gained could be utilized effectively within the military.

You would need a licensed independent clinician handling this assignment in the home as they would be qualified to assess major vs. minor psychological concerns that a simple case worker with only undergraduate knowledge would not have. Obviously, these clinicians would need special training to have more knowledge of military life, family needs as well as advanced training in PTSD (post-traumatic stress disorders), TBI (traumatic brain injury) and CTE (chronic traumatic encephalopathy) symptoms.
If this type of support were made available to families, I suspect (common sense) that one would see lowered rates of death by suicide, homicide short-term and long-term, military divorce post-deployment, and a better quality of life overall to be had by military families.

We are in a pro-military society now and have gained so much psychological knowledge about the effects of battle since World War I. Why are we wasting this valuable information? Why are we spending so much money on war and then spend money on incentives rather than quality support? Why is a soldier’s life valuable but his/her partner’s is not especially when the family unit is imperative to the success of the soldier’s return? The success rate of person’s who struggle with PTSD is partly dependent on how it is managed within the family (believability, validation) and what support systems they have available to them in the community as well as through mental health and other adjunct resources (i.e., books, workshops, groups).

What we are essentially saying to a soldier and their family is “Thank you for your service and hey, Good Luck to you!” Isn’t this a bit hypocritical? I think they deserve better.

Advertisements

Simon Sinek Explains Millenial Paradox

This is an exceptional speaker that seems to provide a lot of good answers for young people today. I found this on Facebook and decided to share with my audience here because it really bears listening too. You can follow him online as well at https://startwithwhy.com/

The Child of the Narcissist

(Originally published May 2011)

Sometimes I get ideas in my head and know that I must get up and type; otherwise I will never get to sleep.  Having been one of these children and having recently had very moving conversations with another person who also felt this dread, I knew I must write about it.  As a therapist, I feel responsible for airing out all those things which give us torment, so that we have a place to share, cry, and be heard.  For having a parent who has Narcissistic Personality Disorder, you do not get the chance to do so.

A child who grows up with a parent who has NPD, has no parent at all.  In fact, they have no self as well.  The child’s life is consumed with pleasing the parent in a way that no other child, not sharing the same type of parent, can understand.  Your childhood revolves around this parent.  The opposite parent must revolve around the NPD spouse.  Your needs and wants must be that of the parent with NPD.

If there is more than one child, one will inevitably be the scapegoat.  You know who you are.  The one who takes the blame for everything because the NPD parent will not.  Someone must be at fault for ruining their life.  Another child will invariably be the rescuer for this parent and they are the prodigal child.  This is the one who does all that was intended, perfectly and in the order presented by this parent.  There can also be a child who will have dependent personality disorder.   This is the one who will need the parent for anything and everything because they are so challenged by life and the NPD parent will gladly be needed for their mercy.  Someone who needs the Narcissist to be at their beck and call, is exactly what they want.  The NPD imagines in their head that their brood should be around them at all times, because you are incapable of living your life without them.  This is the bird that does not kick the chicks out of the nest because it does not want them to fly.

Thus, if the child of the NPD is capable of getting away and growing up once and for all, they are the enemy to this parent.  No one is allowed to leave the NPD’s kingdom unless it is to do their bidding.  Most survivors whom I have known are those who have had to push away this parent.  Yet even still they live with the lifelong feelings of insecurity and the threat of a phone call which could come at any time – lest you forget the NPD parent is still alive.  A call which will put all your time in therapy to shame, as you are ridiculed and punished once more for anything that they happen to make up.

Unfortunately, I do not know of any Narcissistic parent who was capable of going into therapy and there is no medication for this mental illness.  Why should they go to therapy when it is your fault after all?  At the same time, therapists couches are filled with the children of the Narcissist; most especially the scapegoats.  Children who cling to the hope that their problems will be cured so that for once in their life, the NPD parent will love, respect and be able to have a conversation with them.  The bottom line that we all must realize is that the NPD parent will never change.  Only you can and then you have to figure out how to be in the same room with this person, with your head held high.  It is a lesson in reclaiming your power, even though the abuser will never leave your life.

Tips (for the Scapegoat): Find what works for you.  The answer is not the same for everyone.

1. Tell this person not to talk to you unless they can say something nice.  Be strong when setting this boundary.  Don’t get caught up in their sarcastic or overly dramatic response.  They have loose boundaries, so you must set high standards to preserve your own.

2. Don’t expect to talk for more than 5 minute sound bites, because they aren’t listening to you anyway.

3. Try to stay out of their way – if you can, don’t attend functions where they are present (unless you absolutely have to).  You don’t want to boycott your whole family either.

4. Forget trying to discuss your therapy sessions and what you’ve learned.  Remember, they aren’t listening anyway.  Don’t bring up the past, it is pointless because it had nothing to do with them.  They were there as an innocent bystander.

5.  Whenever you start thinking about them in your head, start whistling a happy tune.  If you think, you will begin punishing yourself as you remember all the “bad” things they said you did.  You will take yourself down and beat yourself up emotionally.  If you can whistle, you switch focus in your mind and soon forget what you were thinking. If meditating and their voice comes in, tap your feet, put on music, do something to re-focus and think of something else.  It takes time to re-program your mind.

6. Do get into therapy, tell your therapist about your NPD parent.  Learn to meditate, take exercise classes, eat healthy, drink plenty of water. Pamper yourself with massage and other holistic treatments.  Get so focused on yourself that you look and feel good, which will make you strong.

7. If you fail to do at least #6 let me give you a warning – you will end up finding yourself in abusive relationships whether at the office, the home, or amongst the people who surround you.  You have to reclaim your power or be a doormat, or punching bag forever.

8. For young people and adults – it can be helpful to get to know older people who are in your life and whom you can talk to.  This is like creating a surrogate parent.  Everyone does need a parent.  Young people can talk to guidance counselors, grandparents, aunts/uncles, friends of family, whomever seems to take a healthy interest in you.  Adults you can do the same – get to know those people in the family who might have been staying away from the same person you are having problems with.

If you are reading this and you are still a young person, you have my sympathies.  Do the best you can to follow the tips above and remember – it isn’t you, you are not a bad person.  You may make mistakes – all kids do. If you are reading this and you are an adult, remember that – you are an adult and you are free to make choices in your life.  Don’t let them control you and tell you what to do.  You are not an adult child and you must take responsibility for your life.  Of course whatever you do will be wrong (to them), but you must keep in mind that what you are doing is for you, it is your life and you can’t blame anyone for your adult choices but yourself.  Let them go, move forward and keep your distance.

Over time, you will begin to heal and make a life for yourself.  There will be setbacks now and then when you have to be in their life.  You have a mentally unhealthy parent and this comes with the territory.  The only person you can change is yourself and if you are strong and set your boundaries – you won’t get a parent but they will leave you in peace.

Now you can read Part Two of The Child of the Narcissist

And purchase the CD: The Child of the Narcissist: Guided Meditations for Healing

Now Available on Download too!

CD Cover

Addition 7/28/12: I found a good book that I want to add to this article. “Will I Ever be Good Enough” by Dr. Karyl McBride. Lots of good case studies to think about.

He Never Says He is Sorry, an article I wrote later about being in a relationship with a Narcissist.

Angry Daughter, Narcissistic Mother written on 1/11/14, is a review of the movie August: Osage County with Meryl Streep and Julia Roberts.

Mental Health and Gun Control – 19 Years

This past month has been a terrible time for those of us in Columbus, Ohio. First, we lost a juvenile who was in court and, because of his violent behaviors, was subsequently shot outside of court by a deputy sheriff. Then we lost two respected police officers in the very small town of Westerville. Both involved mental health issues of the victim in one case and the perpetrator in another. In the past week, our country lost a total of 5 police officers, including Westerville. We lost a total of 17 teens and school staff in one high school in Florida.

High school shootings have been going on since 1999. Now we are hearing the media say FL was worse than Columbine. This isn’t a competition to see whomever shoots the most kids wins. All school shootings are traumatic, are equal and should never have happened. It is time to wake up and smell the coffee.

We need to stop blaming and start taking action. Political activists want to blame and act as if it is the Republicans fault that high school shootings exist; when in fact we have had both Democrat and Republican presidents since 1999. Over the years, both sides have made statements about offering love and prayers, obviously they are going to say that because it would be heartless not to. What is worse though is that both sides have said “This will never happen in our country again.” Unfortunately we have now seen 19 years of this happening again in our country. We have seen this happen at the college level, high schools and an elementary school. It is time to stop blaming one side or the other and get to the table and have discussions. To start with, this does not belong on a lobbyist table, it needs to be a discussion of professionals in the mental health industry, police officers, forensic specialists as well as the leaders in the NRA and they need to listen to one another. Listening is the key ingredient in making change, not trying to get votes.

I have been in the mental health profession since high school shootings began. I was trained in holistic thought processes so I am not prone to listening to one side; I try to hear the whole story. You can’t understand anything unless you are looking at the big picture and the long term effects. I have lots of prejudices, believe me, yet I work with people from all different backgrounds, including those I have opinions about. However, because I believe people have a right to be heard and it is hard for me not to have empathy when I hear them and have taken them into my fold as a therapist, I am able to set my opinions aside for this client or clients and provide them the support that they need. After all, working with someone in therapy, I believe, is helping them to become a better person. This is what it means to be a professional.

America has become a Roe v. Wade in the sense that everything is a Pro-Life v. Pro-Choice extreme thinking conversation. No one ever listens to the other side. It is idiotic and stupid when one side is incapable of listening to what the other side has to say. It is ridiculous to hold an opinion that you are right and they are wrong. Sure we all joke and say, “but I am right,” but to actually believe this to the point that you can’t possibly sit down with your opposing view neighbor and have a cup of coffee and hear what each other has to say is beyond sad. It is disturbing and this is what our country has to offer right now.

All these people who get on bandwagons and say they are “tolerant” or “celebrate diversity,” are online yelling at the other side and giving their biases about race, religion or culture. When we are behaving in such a hostile environment as we are on social media, how can we expect that a mentally unwell person is not going to take advantage of this? If Kathy Griffin isn’t capable of understanding that there is a line you don’t cross when it comes to shouting your hatred toward the president of the United States, how in the world can you expect a mentally unwell person to understand and intellectualize what is happening online?

It has become common place to hear about shootings and we have become immune to this. We get an endorphin rush when it happens and a week later we forget. What do we expect is going to happen to someone who has mental health problems and is paying attention to all of this online. We get to be voyeurs but they internalize it and fantasize about it and feel empowered by this.

Madeline Albright (the first female Secretary of State under President Bill Clinton) spoke in San Jose, CA sometime in the early 2000’s and I went to listen to her talk. She spoke about the split in politics and how it has become so damaging to the D.C. atmosphere. When she began her journey in politics, it was normal for Republicans and Democrats to eat together, party together even walk down the street together. Our country being divided to the point of not being able to say who you voted for without getting spit on, means we do not live in a safe place and we cannot expect things to change; as long as we behave in this manner. If our politicians can’t behave like professionals and respect their own colleagues, how can we citizens be expected to behave like decent people? Right now the Democrats are just being sore losers and this is what we teach our children across the country not to do when they are on a team. Republicans were sore losers during Obama; worrying about a birth certificate. Each politician who wins the presidency has 4-8 years in which they can be elected to serve. Be patient and it will be your turn. The winners go in cycles; it is just the way we vote. There has not been one president that has been perfect and not one who has not been narcissistic.

There has been 19 years of school shootings though, with both Democrats and Republicans serving our country. We do need gun control – obviously – no one needs an assault weapon. We should be grown up and mature enough to understand that no one is saying you can’t carry a gun. It is one thing to carry a gun in your holster, on your belt that you are legally allowed to carry or a hunter with a rifle in the back of their truck on a rack. It is one thing to have a gun legally and one illegally. The topic of Mental Health needs to be brought in and we need to be more strict about mental health assessments when carrying a gun. Perhaps everyone needs to have a mental health assessment in order to legally purchase a gun. It wouldn’t be a bad idea. I have family that all carry guns, they would not like to be inconvenienced. However, I am sure all the families who are victims of the 19 years of school shootings, did not like to be inconvenienced either. When the “right to keep and bear arms” amendment was signed into the constitution, we were a different world. Back then it was cowboys and Indians and revolutions that made a positive difference in this country. School shootings make a negative difference in this country, it harms our psyche and destroys our families.

I am listening to children tell me they are afraid to go to school. They are having panic attacks whenever there are noises at school. Instead of just a tornado drill or an earthquake drill, they are having to learn how to hide from a school shooter. I am hearing parents who want to put their kids in private education or home school them. Is this what we are going to come to because adult professionals are not capable of coming to the table and reach an agreement?

Then of course you have the criminal world. No matter what we do, criminals and mentally unwell people can get access to a gun out on the streets. It is not too hard to  go into a bad neighborhood and within a few minutes find someone walking down the street who knows someone who has one to sell. Having worked in bad neighborhoods and spent many conversations talking to people who lived there, I am aware of how easy this is. Having spoken to people who have been drug addicts or alcoholics, I have heard many stories of how easy it is to get what you want if you need a fix. This means we need to have tighter laws about what happens to people who are caught selling guns illegally. The guy who sold the gun to the perpetrator of the two police officers in Westerville was found and brought in. I have no idea at this point what will happen to him or what the laws are currently. I do know that in California, where I used to work on the streets, a crime carries a stiffer penalty if it is gang related. Do we have strict enough laws for the people selling guns illegally, nationwide? Shouldn’t they get the same attention as the perpetrator, since they knew the reason for buying was not for something good? Wouldn’t they be an accessory to the crime?

These are the questions we need to be asking. We need to have discussions about this within our communities and amongst our professionals and come to some answers that we then present to Washington. But it is time for us to behave like grown-ups and professionals and listen with the purpose of coming up with a solution. I am tired of hearing that the NRA has control over Congress. What does this mean? It means that they have control over the lives of our children and grandchildren. Again, if they have had control over Congress they have had it for at least the 19 years we have been concerned and this has been over terms of both Republican and Democrat presidents.

What is a solution that is workable? What is a solution that is going to be tougher on crime, stricter on mental health awareness and reporting and one that makes sense and will protect our children, our families and our country? Stop blaming and start forming community discussion groups, in person because we aren’t capable of having talks online. Bring all the professionals involved to a table and have a discussion that is going to create positive change in our country. We don’t need an assault weapon to go hunting in the woods or to protect our family. A simple gun or rifle will work fine. Let’s show our children that we are capable of making this world a safer place.

A Holistic Divorce

This past week I attended a two-day training on collaborative law that I would like to share because it is important to be informed of all your choices when considering a #divorce. Disclaimer – this is for #Ohio residents though there are about 18 states and about a dozen countries who practice collaborative law, so please check in your area to find out what applies to you.

If you are considering a divorce, there are four ways to go about this.

A. Collaborative Law

B. Litigation

C. Dissolution

D. Mediation

I’ll start with litigation which everyone knows about and this is your traditional way of going about getting a divorce. The judge may require mediation as a result of this and this is to try and cut down on court time.

Dissolution is where both parties agree on everything and they have an attorney write up their agreement and present to the court. A very inexpensive way to get a divorce however, as mentioned, both parties must agree. Usually this can happen when there are no children involved.

Mediation is where the couple hires a mediator to discuss what needs to happen and they present their agreement to their attorneys who files it in court. This can be done at the onset, you don’t have to wait for the judge to decide on this.

Then there is collaborative law which I call a #holistic divorce. This is where all parties (professionals and spouses) come to a table and discuss the business of getting a divorce. There is *no court involvement in Columbus, Ohio because the judge comes to the attorneys office to sign off on the divorce (*not the same with other major cities in Ohio, check with your state or country). If court involvement it would be once everything has been settled and then there is a filing of paperwork to approve the divorce.

Collaborative law includes two attorneys, a mental health coach or neutral (not in the capacity of a therapist, nor are they providing therapy but, the service is provided by a licensed therapist), a financial coach or neutral and in some cases other specialists are brought in, if need be, for consultation. All professionals meet with the spouse/spouses individually or as a couple upfront to explain the services and begin to assess the couple. Then all parties and professionals come to the table to begin a discussion of what is to take place. This can involve several sessions but there is no court involvement so the schedules are based on everyone at the table rather than dealing with court being in session. Therefore appointments can be more flexible.

What captivated me by this process is that a mental health coach is involved as well as a financial coach. This means two things. One, the mental health coach is there to help determine what is in the best interests of the children and the family. Someone who understands #psychology vs. a Guardian Ad Litem (aka GAL) who, most often, is not a therapist and does not understand mental health. The mental health coach is also doing an assessment to determine if the couple is going to be a good fit for the collaborative law process. In some instances, i.e., domestic violence, substance abuse and mental illness might not be a good fit for the collaborative law process. Two, the financial coach presents the facts of the figures. Then the parties say whose side of the page the items go on and talk about what they see. Eventually, how things will be divided up occurs with much discussion from the team.

In collaborative law, even the attorneys are in a relationship with one another that is not antagonistic as it would be in litigation. While they clearly will represent the spouse who has hired them, at the table they are not in a defensive position but in an empathic position for both parties. This means the spouse who hired them pays for them under the knowledge that their attorney will be listening and be prepared to be concerned for the opposite spouse as well. This is important because the process will not be about “winning” for their side but about the family gaining a supportive outcome.

The divorce process is an uncomfortable position for two people to be in. It is a major transition in someone’s life and how it is dealt with will determine the health and well-being of children involved (as well as the spouses) going forward. When the egos of two people can be mediated by a group of professionals who are helping them to see what is in the best interests of their family, it is more likely that a good outcome can be assured. This is not an inexpensive process yet compared to the time, energy and money that would be spent in litigation, it will most likely be less costly than litigation. The results will most assuredly be less costly on the emotional well-being of both parties and the children involved.

Please note this is NOT legal advice as I am not an attorney. This was presented merely for informational purposes. You should consult with your attorney to find out more information on these options. Also, please take a look at the links provided to gain more knowledge for  yourself. Thank you, Jeannine Vegh, M.A., I.M.F.T.