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What to Know: Using Garnishment to Collect Your Money from a Debtor

Garnishment is a legal tool to get your money back from a debtor.

Does someone owe you money, but is not paying it back? Or maybe you won a judgment in court, but the debtor has yet to pay the money? It might be time to consider using garnishment to get your money back. Read on to learn all about garnishment so you can make an informed decision whether or not to use this legal tool.

What is a Garnishment?

A garnishment can be used to divert a portion of a debtor’s paycheck or money from their bank to start paying your back, according to the Consumer Financial Protection Bureau. You won’t be able to take your debtor’s entire paycheck or empty their bank account to get your money back, but you can start getting paid in installments until the debt is paid off or resolved in another way.

What’s Required to Garnish

According to, most garnishments require a court order, usually obtained after a judgment against the debtor. In some cases, such as paying overdue child support, a court order is not required. If you win a judgment against the debtor, once you file the proper paperwork to place a garnishment, you’ll start getting paid within five to 30 business days.

Types of Debt

Garnishments can be used to pay back personal loans. You can also use a garnishment to get child support and alimony. If you own a particular type of business, such as a medical service, you can also use garnishment to get outstanding invoices paid. Finally, consumer debts also qualify for garnishments.

Income Exempt from Garnishment

Certain types of income are exempt from garnishment in Washington state, according to Washington Law Help. For example, social security disability, retirement and unemployment compensation benefits are exempt unless you owe child support. State welfare and state disability payments are also exempt in Washington.

In addition, in Washington, no wages can be garnished if the debtor makes less than $253.75 per week or $1,099.33 per month. If the debtor makes more than these amounts, he can still keep 75% of his take home pay, says Washington Law Help. That means you may be able to garnish the rest.

Filling in the Paperwork

You must fill out the proper legal forms to provide the required notices and get the list of rights for exemptions. We offer a do-it-yourself Garnishment Kit you can instantly download and start filling in. Or you can order a print version we’ll mail to you. Click here to order the Garnishment Kit.


5 Things to Know About Probate in Washington State

Learn all about probate in Washington state.

Have you heard the term “probate?” Do you know about probate in Washington state?

Probate is the official term for settling an estate after a person dies. According to Dickson Frohlich, a Washington state law firm, probate is the process of administering an estate and making distributions to family members based on the provisions of a will. Probate also involves collecting assets and settling debts.

Probate helps prevent fraud once a person dies since it stops any further action from being taken until a judge decides if the will is valid. Sometimes people file for probate because of issues related to the decedent’s personal property..

Is There A Will?

If the decedent left a will, the executor of the will is responsible for filing probate, if needed. The executor of an estate or the attorney who represents the estate starts the probate process. After this person files proper documents, the probate court then validates the decedent’s will and allows the executor or attorney to distribute the estate, pay all final bills and take care of any taxes due.

What Happens if No Will?

If the decedent did not leave a will, the state will choose someone to administer the estate. Usually, a surviving spouse or a child of adult age is appointed by the court. This person then follows the judge’s instructions as to how the deceased’s property is handled.

Required or Not in Washington State?

Probate in Washington state is not required, says the Public Law Library of King County’s website. Probate isn’t even required in situations where the decedent does not have a will in Washington state.

So why file probate in Washington state? PLLKC says the two most common reasons for probate are because the decedent’s personal properly is valued at more than $100,000 or the person has real property titled in their name. For estates of $100,000 or less, PLLKC says you may be able to file a Small Estate Affidavit instead of a probate. We offer an instant download Small Estate Affidavit with all of the forms you need to complete and file with the court.

 Other Reasons to File Probate

If you need to access a safe deposit box, pay debts, distribute assets or handle a lawsuit in the defendant’s name, you need to probate, says PLLKC. We offer an instant download of a do-it-yourself Probate Kit that helps you fill in the necessary paperwork and file it with the court to start the probate process. Choose a Probate Kit with Will or a Probate Kit Without a Will.

 Ways to Avoid Probate

If you can avoid probate, NerdWallet says to do so, since probate can be slow, costly and is a matter of public record. Establishing a living trust is one option to avoid probate. Another way to avoid probate when it comes to property is to designate your spouse or whomever you want to become a joint owner. In some states, small estates can avoid probate if the estate falls under the probate estate limits.

This blog post is not offered as specific advice, which may only be provided by an attorney based upon each individual situation. To find an attorney, click here to visit our attorney referral page



Parenting Plan: Six Tips for Creating a Successful Plan

A solid parently plan focuses on your kids' needs.

Writing a successful parenting plan that works for both of you and gets approval by the court can feel like a complicated process. Yet its importance when it comes to determining child custody responsibilities cannot be overstated. In the end, the plan should help your children feel both parents are on the same page when it comes to their well-being while helping them to accept and adjust to the divorce.

Follow these six tips to write a parenting plan that shows the court you are taking the proper steps to do what’s in your child’s best interests.

Put Children First

Look at the day-to-day custody through your child’s eyes. That requires putting emotion aside and focusing on what your kids really need for stability. Verywell Family, a website that provides advice on parenting, suggests looking at their daily lives to see how it looks from their point of view. Will they be able to keep attending school and current activities? Will they miss certain events or activities? What will they gain from the custody arrangement?

Consider Mitigating or Limiting Factors

Both of you must consider any mitigating or limiting factors which might impact the placement of the children and their contact with the non-placement parent. You must also look at abuse or other behavioral issues and how they could negatively impact your kids. Sometimes, it is behavior or special needs of the children themselves that influence how the court ultimately considers when issuing the final order of parenting.

Create a Schedule

Plan to create a parenting schedule in Washington state. This schedule will show who has custody of the children on a day-to-day basis. The plan explains how much time your children will spend with of you. Remember to indicate who will have the kids on birthdays, vacations, holidays and during other events, too. Include information on how you both plan to follow the schedule, such as by using online calendar apps such as Talking Parents or Cozi.

Cover Other Needs

Decide in writing who will pay for what when it comes to expenses related to extracurricular expenses and events, such as birthdays, going to camp, entertainment, etc. Also include how you and your co-parent plan to handle big decisions, such as religious choices and events, discipline, education and health issues. Explain how you’ll work out major disagreements.

Consider a Relocation

In Washington state, your plan must include an explanation of what happens if you or your co-parent want to move with the child. For more information on Washington’s Relocation Law, visit Washington LawHelp.

Consider a Do-It-Yourself Plan

We offer a do-it-yourself Parenting Plan that was developed in 2017 as a Washington State Mandatory form. The plan is included in our Divorce Forms Kit with Children and our Legal Separation Kit, among others (click here to see all of our Family Law kits). You may prefer to hire an attorney who can help you create a parenting plan. Click here to see a list of attorneys who handle these types of cases.

This blog post is not offered as specific advice, which may only be provided by an attorney based upon each individual situation. To find an attorney, click here to visit our attorney referral page

The Latest in Washington State Scams and How to Protect Yourself

If you’re a scammer, there’s money to be made from unsuspecting people who haven’t got their “scam” radar on high alert. Here are the latest scams we’ve heard about in Washington satte. Then check out the links and tipsat the end to help report a scam as well as avoid them in the first place.

You’ve Won the Lottery!

If you receive a letter bearing the Mega Millions logo saying you won a “Mega Millions Prize, watch out, especially if the envelope contains a counterfeit check, too. Unfortunately, you haven’t won anything, and if you’re not careful, you may end up giving personal financial information to the scammers. That’s the point behind this counterfeit draft money laundering scheme. If you deposit the check, it will be sent to the scammer with your bank’s routing and account information on it, allowing them to withdraw everything in your account. Contact Mega Millions if you feel you’ve been scammed.

Time Share Sale

Beware of companies offering to sell your timeshare. According to Timeshare Specialists, a couple in Washington received a call from a company offering to sell their timeshare. Sounds legit so far, right? Then the caller asks you to wire money for legal fees they need to pay upfront. Scam! Brokers usually pay legal fees from the money made from the sale of the timeshare.

Foreclosure Rescue

Once a home goes into foreclosure, information about the property becomes a public record. That’s when scammers start working. Watch out for companies calling and offering a loan to rescue you. Sadly, this is a scam to buy your house out from under you for pennies on the dollar. Click here to read up on this scam on the Attorney General of Washington’s website.

You Owe the IRS!

This ongoing scam is still its way around the state. The scam involves callers pretending to be from the IRS and demanding you make an immediate payment to avoid jail time. Even the Caller ID looks like it’s from the IRS so it looks more official. How do you know it’s a scam? First, the IRS will not call you first; they always send an official letter about past due taxes. Secondly, the IRS never ask for your credit or debit card information on the phone. If the caller threatens to call law enforcement, hang up immediately – this is a sure sign it’s a scam.


Tips to Avoid Scams

Register with National Do Not Call Registry

Register your phone number with the Do Not Call Registry. You can do so online or by calling 1-888-382-1222. That way, you can assume any telemarketing calls that come in after you register are scams, and can hang up without worrying.

Watch Caller ID

Caller ID is great for identifying who’s calling so you can decide from whom you want to take calls. But nowadays, scammers can change the number that shows up on Caller ID. This scam is called “spoofing.” The scammers want you to think you think the call is a legitimate local business so you’ll answer.

Hang Up

Sure it feels rude to just hang up on someone. But once scammers have you on the phone, they’re that much closer to closing a deal that takes money out of your pockets and puts it there own. Don’t be afraid to hang up. Then, block the caller’s number, if possible.


Report the Scam

If you’ve been the victim of a scam or want to report one, visit Access Washington’s website. Select the type of scam you’re concerned about, and then click the category to get detailed information on how to report it. If you’ve been the victim of a scammer pretending to be with the IRS, file a complaint with the Treasury Inspector General for Tax Administration.

File a Complaint

If you’ve already been the victim of a telemarketing scam, find out how to file a complaint with the Washington State Office of the Attorney General’s Consumer Protection Agency. You can file a complaint online or by mail. You can also call and talk to someone about what happened.


7 Things You Need to Know About Filing a Civil Lawsuit in the State of Washington

Civil lawsuit in the State of Washington.

Do you need to file a civil lawsuit in the state of Washington? You might need to if you want to sue your neighbor for a matter you can’t settle in person. Or maybe you w want to take someone to court for breach of contract? If you feel you’ve been harmed because a business or person did something wrong, you may want to file a civil lawsuit.

What Is and Isn’t a Civil Lawsuit?

According to Harvard Law School, civil litigation is a dispute between two or more parties who seek money damages or a specific outcome that does not deal with criminal sanctions. These types of cases are commonly referred to as civil lawsuits. Divorce proceedings and probate actions are also considered civil issues.

Civil lawsuits do not include probate or bankruptcy-related issues. Criminal issues are also not included in a civil case.

Examples of Civil Lawsuits

Just about everything not mentioned in the section directly above can be considered a civil issue. That includes issues involving contract and wage disputes, personal injury, problems with neighbors such encroaching on another’s property or nuisance problems.


You may choose to represent yourself in a civil lawsuit. If you choose to do so, you are known as a pro se litigant. If you choose to start the action against a party, you are known as the petitioner, plaintiff or moving party, according to Access Washington per the Washington State Administration Office of the Court. The person/party you sue is known as the defendant or respondent.

Do It Yourself Civil Lawsuit

You may choose to save legal fees by filing a civil lawsuit on your own. The first step requires downloading and filling in the proper, court-approved paperwork, according to Access Washington. We offer an instant download of a do-it-yourself Civil Lawsuit kit that contains everything you need to initiate and pursue a case/claim. The kit includes the forms for filing the suit as well as serving/notifying the defendant/respondent.

Where To File A Civil Lawsuit

Knowing where to file a civil lawsuit in the state of Washington can be confusing. Filing a civil lawsuit depends on the type of issue or the amount of money in dispute. For instance, you can file a civil complaint in a U.S. District Court anywhere in Washington state as long as the disputed amount is at least $4,000 is no more than $75,000 on issues related to torts, contracts and real property, according to the Court Statistics Project, a joint project of the National Center for State Courts and the Conference of State Court Administrators. If your civil lawsuit is less than $4,000, it could be filed in the Small Claims Department of a District Court. Superior Court civil cases have no minimum or maximum amounts that can be sued for. To learn which courts handle which types of cases, click here to visit the Washington Courts website.

Serving the Defendant/Respondent

You must also fill out a Summons or Complaint form and serve it to the party you’re suing. According to Access Washington, you must use a third party to serve the defendant with the lawsuit. You must use law enforcement, civil process or an adult other than yourself, says Access Washington.

Hiring a Litigation Attorney

Some people pursue civil lawsuits by hiring an attorney to handle their case. This type of attorney is known as a trial attorney or a litigator. These attorneys can provide trial and/or mediation services. Before you hire an attorney to handle your case, read our blog post about the questions to ask when hiring a law firm. A litigating attorney interviews you, writes court documents, handles document requests, preps and files paperwork with the court, negotiates and argues your case at a trial, if necessary. To find a Washington state attorney who specializes in Mediation, click here. To find attorneys who specialize in specific areas of law, click here.

Related: Going to trial? Learn proper court etiquette by reading our blog post, Making a Court Appearance: 7 Things You Need to Know Before Stepping Into the Courtroom.

This blog post is not offered as specific advice, which may only be provided by an attorney based upon each individual situation. To find an attorney, click here to visit our attorney referral page

Do It Yourself Vs. Hiring an Attorney: Making the Right Choice

Man filling in do it yourself legal form.

Filling in do it yourself legal forms and kits can save hundreds, if not thousands of dollars in attorney fees. We offer do-it-yourself legal forms for filing documents in the State of Washington. But we also offer a list of attorneys in Washington state who can handle your legal matters. Why do we offer both?

Because there are times when you likely can fill out and file a do it yourself form on your own. But other situations require an experienced attorney who knows exactly how to handle your situation, understands the court system and can get the job done accurately so no mistakes are made that cause you even bigger problems down the road.

How do you know whether do it yourself forms will do the trick and when it might make more sense to hire an attorney?

Money is Short

If you do not have the money to hire an attorney, filling in do it yourself legal forms may be the only choice you have for uncomplicated cases.

Prefer to Represent Yourself

Representing yourself in court is referred to as “Pro Se.” You’ll need to fill out your own paperwork and file any required legal documents with the court yourself if you choose to go pro se. Obtaining the proper legal forms, including any updates the court makes, is key to filing the property paperwork. We offer a selection of forms thare are always updated to meet Washington court standards.

Ramping Up

Many people fill in their own legal forms without any intention of actually filing them with the court. They use the forms and the information required to get a strong start on their meeting with an attorney. This can save valuable time and money at the attorney’s office when you already know some of the answers and can bring the necessary documentation before your meeting.

Complicated Situations

Complicated cases, such as lawsuit and matters that require negotiation are more difficult to handle unless you have lots of experience with the courts and the legal situation. Hiring an attorney usually makes more sense in these situations. Click here to find a lawyer.

Lots of Questions

If you have lots of questions about your legal situation, seeking the services of an attorney makes sense. You might even feel more confident after visiting your attorney to attempt to fill out the forms yourself.

Immediate Situations

If you’re suddenly in a legal situation and need to resolve it or get the process rolling ASAP, hiring an attorney may be preferable. For instance, if your spouse unexpectedly says they want a divorce, contacting an attorney to find out what next steps you should take could save you from dealing with more problems down the road. . Click here to find a lawyer.

Related: Read our blog post about the importance of finding an attorney before you actually need one.

Business Legalities

Many business legalities can be handled yourself, says the Small Business Administration. The SBA says legal issues such as filing paperwork to start a business, creating contracts and setting up the legal structure for your business may not require an attorney. But complex issues require the expertise of a lawyer, including filing patents, going through litigation and forming a corporation. Read the full SBA article by clicking here. Click here to read our blog post containing resources for handling the legal aspects of your company.

This blog post is not offered as specific advice, which may only be provided by an attorney based upon each individual situation. To find an attorney, click here to visit our attorney referral page.


Divorce vs. Legal Separation: Learn the Basic Facts

Deciding between divorce vs. legal separation starts with knowing the facts.

The news is filled with updates on celebrity relationships, giving us lots of insight into divorce vs. legal separation. Often times, you’ll hear about a couple who lived separately for months before deciding to get divorced. Other times, couples seem to head right for divorce.

What is the difference between divorce vs. legal separation? Knowing the advantages and disadvantages of each can help you make the right decision on what is best for your family and/or relationship.

What’s the Difference?

A physical separation means you and your spouse simply decide to live apart. Couples may use a physical separation as an informal arrangement to cool off and give themselves time to figure out their next steps.

But physical separation differs from legal separation. A legal separation means a change is made to your marital status. In order to obtain a legal separation, you need to file documents with the court. A legal separation agreement can reduce the risks for each person while handling issues such as dividing assets and debts and setting up child support and visitation rights

A divorce is a complete and final legal dissolution of your marriage. After the divorce is finalized, each person is allowed to marry someone else after a waiting period.

 Why Choose Divorce vs. Legal Separation

A legal separation can take as long and be as expensive as a divorce since you must file paperwork and then wait for months for it to go through. So, why do couples choose legal separation rather than a divorce? Some couples feel a legal separation gives them a better chance for a reconciliation.

Some choose legal separation because of religious or moral beliefs about divorce. Since a legal separation allows a couple to continue filing a joint tax return, this can also be a benefit. Others may choose legal separation due to the potential benefit of continued health insurance coverage, says Time. In comparison, once you’re divorced, you cannot stay on your ex-spouse’s health insurance plan, according to Forbes.

Deciding between a legal separation or divorce could come down to finances. Click here to read the Forbes article, Legal Separation or Divorce: Which is Better Financially.

Next Steps

Visiting an attorney to find out which one is best for your situation and needs may help you make the best decision. Click here to visit our attorney referral page for a list of Family Law attorneys.

You may be able to file your own legal separation documents for non-contested separations. We offer an instant download of a Legal Separation Kit, Non-Contested.

We also offer a Divorce Forms Kit without Children as well as a Divorce Forms Kit with Children for do-it-yourselfers.


This blog post is not offered as specific advice, which may only be provided by an attorney based upon each individual situation. To find an attorney, click here to visit our attorney referral page.


DIY Legal Forms/Kits: 6 Tips for Using Legal Kits and Forms

DIY legal forms/kits make it easy to create and file certain types of legal documents.

Completing DIY legal forms/kits can save you thousands of dollars in attorney fees. We offer do-it-yourself legal forms for filing documents in the State of Washington. But we also offer a long list of attorneys in Washington state who can handle your legal matters. Why do we offer both?

Some situations require an experienced attorney who knows how to handle your situation, knows how to work the courts and can get the job done accurately. Otherwise, mistakes could be made that cause even bigger problems down the road.

But there are times when you can likely fill out and file DIY legal forms/kits on your own. Here are some of the advantages of using DIY legal forms/kits to solve a legal issue:

Save legal fees.

If you cannot afford to pay an attorney hundreds or even thousand of dollars or want to save $$, paying a modest fee for a form you fill in and file yourself can help keep your budget intact. Another option is to find free legal resources such as those mentioned in our recent blog post about resources available for civil legal problems in Washington state.

Handle matters faster.

Sometimes you need to act fast. Completing the form yourself can save time since you won’t need to wait for an attorney to find a spot in their schedule to meet with you and then handle the project.

Reduce an attorney’s time.

Filling out a legal form ahead of your meeting with an attorney could save you hours of the their billable time, resulting in a huge cost savings. If you feel unsure about how you filled out the form, always rely on an attorney’s expertise to finalize the job–you’ll still save money and have the satisfaction of knowing your forms are correct.

Helps you get organized.

Even if you plan to meet with an attorney, filling out the forms to the best of your abilities ahead of the meeting helps you organize your thoughts about your legal matter. You may also discover you need to bring other documents to the meeting with your attorney. This saves time having to send them separately or setting up another meeting to deliver everything.

Sometimes hiring an attorney is overkill.

Simple tasks such as filling in a straightforward will, power of attorney, health care directive or eviction notice requires little to no legal experience. If you find yourself questioning the form, though, consulting an attorney makes sense.

Download current forms from trusted websites.

One of the advantages of using our do-it-yourself legal kits and forms is because they’re up-to-date with current requirements mandated by Washington state judicial authorities. We stay on top of that, in part, thanks to our office located in the King County Court House in Seattle.

Our forms are available as instant downloads so you can start using them immediately. Or you can also order a printed version, and we’ll mail it to you within one to two business days. Visit to see a list of available kits.

Tenant Rights Vs. Landlord Rights: Resources to Help Both Sides Know Their Rights

Know the tenant rights and landlord rights to avoid problems.

A lawsuit filed by the Rental Housing Association against capping move-in fees in Seattle is just the latest to cause friction between tenant rights and landlord rights. No matter which side of the law you fall on regarding the new requirement that landlords must offer installment plans to allow tenants to pay deposits and other fees, both renters and landlords have rights. Understanding what you can and cannot do, whether you’re renting your abode or leasing it to someone, starts knowing and protecting your rights.

Resources For Landlords

Becoming a landlord, whether you have a single rental unit or several buildings of units, requires knowing the laws in the Residential Landlord-Tenant Act. A simplified version is also provided as a free download by the Washington State Bar Association.

If your rentals are located in Seattle, you must also become familiar with the codes outlined by the Seattle Department of Construction & Inspections. (SDCI). Local building ordinances may also apply, so check with the city in which the rental is located.

While tenants have rights, they are also expected to fulfill certain obligations. Get more information by downloading the free Code Compliance Guidelines provided by the SDCI. This document also outlines the records a property owner should keep to support a termination of a tenant. You’ll also get a list of groups that can provide information to rental property owners.

You may want to consider joining the Rental Housing Association. According to a recent KOMO News article, this organization represents 5,400 rental housing landlords across Washington state. Of those members, 4,000 own units in Seattle with 88 percent owning less than four rental units.

If you need to evict a tenant, we offer a do-it-yourself Eviction Notice, available for purchase by visiting Do It Yourself Legal Kits. If you need to hire an attorney to help you with a tenant problem, see our list of law firms.

Resources For Tenants

Start by reading our blog post about the rights of tenants in Washington state. Washington Law Help also provides low-income individuals with legal problems related to tenant rights. Download their free publication titled Your Rights As a Tenant in Washington State. The Washington State Bar Association also offers a condensed version.

You can also review the Washington State Legislature’s Residential Landlord Tenant Act to read the law on a variety of topics, including:

The City of Settle Department of Planning and Development offers a useful guide you can print, complete and give to your building manager to report items needing repair. Click here to view the form.

Download Seattle Laws on Property Owner and Tenant’s Rights and Responsibilities. The last few pages of this document include a list of groups that can help you with tenant rights. For instance, Neighborhood Legal Clinics are mentioned as a resource for a free legal consultation. This organization helps people with civil matters only. Read our blog post for more information about Neighborhood Legal Clinics.

Check out the Tenants Union of Washington, a public service based in Seattle that helps with tenant rights. According to their Facebook page, they help improve tenants’ living conditions and fight unjust housing policies.

If you need to hire an attorney to help you with a landlord problem, see our list of law firms.

Strange Prenups: 4 Clauses You Won’t Believe!

Strange prenups!

Tis the season for weddings, and thus, strange prenups! If you’re about to tie the knot or know someone who is, check out these strange-but-true prenups. They read like a book of tales!

Once you read these, you’re either bound to feel better about your impending marriage, or you’ll likely feel inclined to head directly to your attorney to draft your own prenuptial agreement. If not, we offer a do-it-yourself-legal-kit for prenups. We’ve also got attorneys who can help, just click here.

Social Media

Nowadays, no prenuptial agreement is complete without details on how social media will be handled if the marriage fails. What you can and cannot post online is pretty important in some marriages, with clauses about social media on the rise, according to Time. Post something you’re not supposed to when divorce looms large, and you could pay big $$ for that unflattering Tweet.


According to, infidelity can pay off big, such as in the case for Charlie Sheen and Denise Richards. Sounds like a get-rich-quick scheme, but their prenup stated that if either cheated, the other stood to gain $4 million buckaroos. Hmmmm. Wonder how that one ended?! Justin Timberlake and Jessica Biel also have this clause in their prenup, according to Men’s Health.

The Longer the Marriage…

Some strange prenups include clauses in which one person gets a sum of money for each year the marriage stays in effect. This is the case for Catherine Zeta-Jones and Michael Douglas. Zeta-Jones stands to make several million per year of the marriage – 13 years of wedded bliss when they were considering divorce in 2013, according to The Daily We bet Douglas was feeling pretty nervous when the couple separated!


Prenups can include limitations on everything from how many hours TV watching is allowed to how often the in-laws can visit (no, we’re not kidding, check out this article from Men’s Health). Sex is another big issue, so there are strange prenups that lay out how many times per week or month are required. Celebrity Dirt says Jessica Simpson and Tony Romo would have had a prenup that said she couldn’t weigh over 135 pounds, or Romo would have gotten cash for every pound over. Maybe it’s a good thing they never got married in the first place, huh?!