Not all marriages last forever. If you’re in the position of filing for divorce, our guide could help.
By the time you or your partner has come to the difficult decision to divorce, the last thing you want to think about is navigating a potentially complicated and expensive process. Learn more about what to expect and what can help you can gain control and begin moving on.
Types of divorce
When filing for a divorce, first assess your personal situation to determine whether you and your spouse can come to an agreement on how you’d like the process to unfold.
In general, there are two types of divorce in the US: contested and uncontested.
Your divorce is uncontested if you and your spouse agree on the full terms of your divorce. For most uncontested divorces, you will not have to appear in court. Instead, you can draft an agreement, complete the appropriate forms, and then send those forms to the court. Because every state is different, confirm with your state its procedures for pursuing an uncontested divorce.
If you and your spouse cannot agree on the full terms of your divorce, your divorce is considered contested. This type of divorce is more complicated, requiring numerous steps — serving the divorce petition, attorney negotiations and more —before your divorce is considered finalized.
No matter what type of divorce you pursue, the emotional effects of a marital breakup can be severe. Sorting your affairs and merely adjusting to your new reality can be exhausting and daunting, so set aside time for self-care and reflection when you can.
What to do with your joint bank accounts during a divorce
Minimizing the effects of your separation on your children
Although both you and your spouse will suffer some emotional and financial stress in the face of a divorce, it’s often children who are most affected. If you have children, make sure their needs are met as you and your spouse work out the details of your divorce.
If possible, keep your kids on a regular routine to ensure they can be successful in school, socialize with peers and participate in the activities they enjoy. By striving to keep your home as warm and routine as possible, you can minimize the confusion children will inevitably feel with such a life change.
Kids and divorce: legal requirements
In some states, parents are required to attend co-parenting classes as part of the divorce process. These classes are intended to help parents learn how to cooperate in their separate lives for the overall well-being of their kids, maintaining stability within the family even as the parents live apart. These classes can help you focus on a loving way to lead your children through this big change.
Services to help you file online
You have options to make your divorce easier
If you and your spouse can agree on the terms of the divorce — meaning you agree to an uncontested divorce — you may be able to pursue divorce without appearing in court. Depending on the state you live in, you could even get an online divorce.
You do not need an attorney for an uncontested divorce. As long as you and your spouse have reached an agreement on all matters related to your divorce, it’s considered a more straightforward dissolution of marriage. Online divorce services like Wevorce and MyDivorcePapers make it easy to quickly get the divorce process rolling.
How much does divorce cost?
A typical online divorce service preparing documents for an uncontested divorce will charge $300 to $500. The cost varies by your state’s required forms and filing procedures. Compare that cost to an attorney, which could charge from $5,000 to $10,000 or more for the same forms and similar services.
Once you file the papers with the court, you pay a filing fee, usually a minimum of $100. If you can’t afford the fee, you may be able to get the court to waive it for you by filling out additional paperwork, provided by the court clerk’s office.
Even if you and your spouse disagree on some issues, you may be able to avoid going to court through mediation. A divorce mediator remains neutral throughout the process while helping you hammer out the details of your divorce agreement. Private professionals can charge by the hour or by session with costs that vary widely — from $100 to $1,000 or more per hour. But many cities offer community-based mediation for free or at reduced rates. Call your local courthouse or community dispute resolution center for more information.
What to do with your mortgage debt after a divorce
How to get a divorce in a specific state
|How to get a divorce in California|
|How to get a divorce in New York|
|How to get a divorce in Texas|
When couples can’t agree
If you and your spouse do not agree on the full terms of your divorce — for instance, you can’t agree on property or custody — you may need to hire a divorce lawyer.
However, even with a lawyer, you may be able to work out your divorce settlement without going to court. A major drawback to lawyers is that they’re expensive — expect to pay at least $15,000, with higher costs if you can’t avoid court or have especially complicated circumstances.
The decision to end a marriage can be fraught with worry and confusion of the unknown. It can take a lot of time — and a lot out of you. But by thinking about your situation clearly and taking conscious actions throughout the process, you can come through it with your finances unscathed.
Manage your life insurance policies after a divorce
The human side of divorce
When we talk about the effect of divorce on our finances we tend to forget that there is a lot of emotion wrapped up in money. Skip to 39:00 of this episode of the finder Money Podcast to hear co-founder and CEO Fred Schebesta discuss how to manage the emotional side of divorce while you work out the financial side:
We complete the forms and guarantee court approval on all online divorce papers.
- Online forms and detailed filing instructions to walk you through the process
- Unlimited live chat and phone support, with direct caseworker contact
- Detailed serving instructions to service your spouse yourself
- Help with parenting plans, as well as child support and alimony calculators