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How to divorce your husband and get everything by Weheartit

How to Divorce Your Husband and Get Everything

Emotions are tough to excise from a divorce. After all, being unhappy is how you got here in the first place. So, it’s not inconceivable that you would seek to learn how to divorce your husband and get everything.

Feelings, however, don’t write divorce laws or sway judges. And fuming into your divorce proceedings with a “get everything” attitude could be costly, both financially and emotionally.

It’s a natural byproduct of living in emotional warfare to want to get revenge. The hunger for validation and some kind of compensating vindication is understandable.

And nowhere is that more true than in a marriage with a narcissist.

Getting Your Fair Share When Divorcing a Narcissist

The emotional manipulation is constant. The mental twisting of gaslighting is maddening and exhausting.

And the narcissist’s mastery of playing his manipulation of you against his charming of others is isolating and even dangerous.

One of the must-knows when divorcing a narcissist is that you will not be receiving any thanks or compassion for your years of tortured commitment.

If anything, he will up his game to prey on your emotions and leave you with nothing.

All the more reason to study up on how to divorce your husband and get everything, right?

Well, not exactly.

Going into the mud with a narcissist is never going to end well for you.

He’s not going to see the error of his ways. And a court isn’t going to weigh its decision on your attempt to expose him for what he is.

Your safest and ultimately most advantageous approach is also the one that will not come naturally.

Emotional detachment.

Go ahead and scream. I know you want to. And God knows that man deserves it.

But once you enter into negotiating your divorce, you have got to put on your all-business face and put emotions aside.

“But he has ruined my life!”

“He was emotionally abusive.”

“He’s lying about everything.”

“He doesn’t deserve to get anything!”

Maybe so. But divorce court isn’t marriage counseling.

Knowing how to survive a nasty divorce is less about your relationship and more about the laws governing divorce in your state.

Sounds kind of heartless, doesn’t it?

In some ways it is.

And that’s not to say that the circumstances of your marriage will have no bearing on the final terms of your divorce.

It’s really just to say that the best tip for how to divorce your husband and get everything is to keep things transactional.

That means focusing on the business side of the contract, surrounding yourself with the right experts, and being prepared.

Develop a Level-Headed Plan for Your Divorce

You should even carefully plan out the timing of declaring your desire for a divorce (assuming you are the one initiating it).

Preparation also includes collecting hard copies of all your and your husband’s financial records and assets. Everything.

It means researching the divorce laws for your state and specific area. You need to know what you are entitled to before you can fight for it.

For example, some states have communal property laws. Not only will the assets acquired during your marriage be considered mutual property, but so will your debts.

Also, alimony isn’t a given in every state, even if you have been a stay-at-home mom.

Build Your Divorce Support Team Wisely

Probably the most important part of your preparation is the assembly of your divorce team.

If you’re looking for a way to divorce your husband and get everything, you may be tempted to find the most cut-throat attorney you can.

But be forewarned. This approach could end up costing you the money you want and the peace of mind you need.

Remember that divorce attorneys aren’t working out of a spirit of philanthropy. They’re expensive, and they round up, not down.

Going in with an attitude of “I want it all!” may get you a high-five and “Let’s get the bastard!” There are plenty of attorneys who will happily match your mindset if the money is there to support it.

But organizing a solid team isn’t necessarily about hearing what you want to hear, let alone an echo of your own thoughts.

Building a solid support team is about getting sound advice and guidance in areas where you’re not an expert.

It’s about hiring people intelligent, experienced, and ethical enough to look out for your best interest.

It’s about being courageous enough to trust experts to tell you what you need to hear, not necessarily what you want to hear.

For example, a tax expert should give you not only a current view of your liabilities, but your long-term ones, as well.

Adjust Your Ideas About “Getting Everything”

You may think in the moment that it would be sweet revenge to rip your 10,000-square-foot mansion out from under your ex-to-be.

But what is that asset going to mean for you down the road? Without access to your husband’s full ongoing income, will you be able to maintain it?

Or will you be weighed under by the mortgage, property taxes, and maintenance?

Investments and retirement are other considerations. You may “want it all” today, but you may not want the future liabilities.

That’s why you want to have outstanding financial, tax, and legal representation.

And that means representation that doesn’t delude you into believing that “getting everything” is likely, let alone prudent.

Dealing with Emotions During (and After) Divorce

Now, back to those emotions I told you to disregard in the interest of treating your divorce as a transaction…

It would be unrealistic to expect you to ignore your emotions during your divorce. This is one of the most emotionally traumatizing events you can experience in life.

It’s important that you understand what divorce does to a woman. And you’re not going to get the complete picture of that in one place.

The wisdom and preparation of this time simply calls for prudence in choosing who, what, when, where, why, and how.

Use the experts on your team for their chosen expertise. And use your therapist, divorce coach and an  educational divorce support group to hold you up emotionally and provide camaraderie.

Difficult as it may be to hear, planning how to divorce your husband and get everything warrants a shift in perspective.

“Everything” acquired in a state of anger or revenge will not be the “everything” that sustains you and builds a happy future.

You don’t have to forfeit anything.

And you should never forfeit your peace of mind.

 

Notes

SAS women are those amazing ladies you meet who are entirely committed to navigating divorce — on their own terms. If you are considering or dealing with divorce, you are invited to experience SAS for Women firsthand and schedule your FREE 15-minute consultation. Whether you work further with us or not, we’ll help you understand your next, black-and-white steps for walking into your brave unknown — with compassion and integrity.

*We support same-sex marriages. For the sake of simplicity in this article, however, we refer to your spouse as your “husband” or a “he.”

 

What to do with a cheating spouse

What to Do with Your Cheating Spouse

What do you do with your cheating spouse?

Well… nothing illegal, ladies. Roll your eyes, sure, but let’s start with that bottom-line simplicity, even if we think it’s an “oh-I’d-never” scenario because rage is a lovely antidote to the pain. The sadness, the betrayal. Like a good alcohol buzz, rage can become addictive and erode good judgment. And while (hopefully) most of us would not choose to, say, put those kickboxing lessons to good use, nor apply that “gesso and stucco” section of our Art 101 course to his new car or her front door, there are moments that follow the discovery of a cheating spouse when it’s helpful to have a little reminder to not make your rage-fueled fantasy a reality.

What else helps?

Laughter.

The ludicrous nature of the rage fantasy does help us laugh at ourselves and the situation, and laughter is an even better antidote to pain than rage. Where rage depletes us, laughter is sustainable; it increases immunity, beauty, endorphins, lung capacity, and hope.

Laughter leads us right into embodying the adage that “happiness is the best revenge.”

So have a great time with the fantasy; hell, write a book. At least read one that will make you laugh at the situation. Fiction can be a nice escape because it allows us to experience emotions while being removed from them. We can live vicariously through the characters, where people can do things they wouldn’t do in real life. One of my favorite authors (Jennifer Crusie—I love that woman) does a great scene in her book Bet Me where a pissed off stay-at-home mom punctuates every screeching syllable of …“thirty-seven goddamn years!” with a pointy-toed kick of her Manolo Blahniks as she accuses her husband of being a cheating spouse. Then there’s the scene from one of the Harry Potter books where one character encounters his spell-bound cat and goes hunting for the culprit, demanding at the top of his lungs, “I want to see some punishment!”

Can we relate? Make the cat in the story a metaphor for your pride: would we like to “see some punishment” for cheating, which smashes a promise to remain faithful and destroys our sense of self and our faith in our character judgment? (How could we have picked someone who would do this? I gave him everything! How did I believe this guy)? Yes, most of us can relate to that. And most of us won’t get it in a no-fault state, which most are.

Managing Your Emotional Reactions to Cheating

There are a lot of opinions weighing in on this subject, as cheating is one of the top three reasons for divorce. I personally know of only one exception to the rage reaction, and she had been wishing for a divorce for years before discovering her husband had cheated on her. For her, at that point, it was a giddy relief: she finally had an iron-clad reason to demand a divorce—a reason he couldn’t gaslight her out of. Most of us, however, experience rage as the primary emotional response to a cheating spouse.

Regardless, try to laugh and find your other joys in life as soon as you can, and refrain from the illegal. Avoid assault (including verbal and on social media). Avoid destruction of property. Indulge the fantasy for a bit, but leave that mental vacation on the island and re-enter reality as soon as possible.

“Ultimately, women need to know it’s good to fantasize about getting even; but the court and the law care not a whit that you’ve been cheated on,” says SAS for Women co-founder and divorce coach Liza Caldwell. “So seek your justice another way, or learn to accept he’ll get his in a bigger court.”

In recognizing that there is a higher, karma-centered court, we take a step back from allowing our spouse to blame us for the cheating, rather than owning their own choice. Whether the cheating spouse has done so once or many times with multiple partners may also make a difference in whether we choose to divorce or stay and make it work. On the other hand, we co-create our marriages, so another facet of healing from infidelity involves taking responsibility for our part.

Own Your Side of the Road

Did you make everything in the marriage about you? Did you tell him to stop singing while he washed the dishes because the noise stressed you out? Create a dictatorship out of the cute kitchen accessory that says “If mama ain’t happy, ain’t nobody happy”? Do your own form of cheating by attaching to an addictive behavior like drinking too much, spending hours and too much money shopping online, working too much, getting too wrapped up in your children’s lives instead of making a life with your spouse? Owning our side of the road in a marriage can be galling when dealing with a cheating spouse, but it’s even more necessary at that point. If done well, often with professional help and your spouse’s ownership of their own side, divorce may not have to be the outcome.

That being said, it’s also essential not to take the blame for the infidelity. The cheating spouse has to own their choice to cheat, not redirect all responsibility onto you. Their decision to do that is their fault, not yours, and a spouse who refuses to see themselves or their choice to cheat as wrong or recognize its hurtfulness probably should be left.

There is a choice to stay or go. Depending on the scenario and each party’s willingness to own their part, it is possible to come back from infidelity with a stronger marriage and a greater understanding of each other and ourselves.

Stay or Go

Whatever you decide to do, though, decide fully. Choose happiness fully, and if you stay, choose to forgive completely. Either way, wash your hands of it entirely and let it go. To spend the next 30 years punishing your spouse with barbed comments and the occasional replay, playing the guilt card, living in suspicion—all of this is toxic. (All of us give in sometimes to bringing up something from the past that hurt us, but to invest energy in sustaining that hurt is another matter).


Annie’s Group :: for those thinking about or beginning the divorce process.  

“There’s a comfort in strangers, that is simply not possible with friends and family who are not themselves divorcing.”  ~ T.Y., New York City


Either choice—staying or going—requires work. If you divorce and go, go fully, with joy in who you are, especially now that you’re stronger, savvier, and have more self-knowledge.

Inside every regret and each mistake is the seed of positive change and new growth. We might practice saying to ourselves, “I was {this or that} in our relationship, and I regret it, but I see it and own it, ask forgiveness for it, forgive myself, and embrace the lesson, which is to become the regret’s opposite.” For example, if you regret not being fully present in the relationship, become fully present to yourself, without distraction. If you enter a new romantic relationship, you’ll know much better how to be present for that person as well as yourself, and be better equipped to do both.

Embracing the Hill

Staying or going, forgiving fully, laughter, choosing happiness, taking ownership of your side of the road, identifying where it’s not your fault, and sometimes developing the skill to deflect manipulative blaming and redirection—each choice requires work. One of the leaders at a local community mental health agency is a long-distance runner with rheumatoid arthritis; in that person’s office is a plaque with the motto “Embrace the Hill.” Whatever the choice, it will involve work and working through the pain. It passes, but you have to choose to let it pass. No dwelling, wallowing, brooding, stewing, or perseverating. Embrace the hill and know that most challenges that come after a cheating spouse will feel like rolling downhill; it will seem easy.

 

Jennifer Bent is a freelance writer, former print journalist and feature writer living on the West Coast. Nicknamed Verbose at a young age, she loves word craft but has to keep a short leash on her fondness for the profane. Jennifer enjoys compelling content and the liberty to write about interesting contributors and innovative ideas. Connect with Jennifer at verbosej@hotmail.com 

Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of divorce and rebuilding their lives afterward. Schedule your FREE 15-minute consultation with SAS. Tell us confidentially what’s going on, and we’ll give you black & white feedback, resources, and suggestions for your next steps.

*This piece was written for SAS for Women, an all-women website. At SAS we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.

Divorce Laws in Illinois

What to Know About Divorce Laws in Illinois

Divorce is difficult. There are legal processes to deal with and emotional issues to overcome. And while, divorce laws differ from state to state, with some states having longer, more difficult processes, if you live in Illinois, getting a divorce is not as challenging as in many other states. For this reason, it’s important to acquaint yourself with the divorce laws in Illinois. 

Although divorcing in Illinois is not difficult, few people know how to go about it. Here is some information that can help.

Eligibility requirements for divorce in Illinois

According to Illinois divorce laws, couples can only divorce if one of the spouses has been a resident of the state for at least 90 days.  

Where a child custody agreement is necessary, the children must have been residents of Illinois for at least six months. 

Couples must also legally separate for at least six months to commence divorce proceedings in Illinois.

Uncontested divorces are quicker to finalize than contested ones because, with the latter, the couples disagree on issues that they must streamline before they can divorce. 

Some grounds for divorce that the state of Illinois recognizes are:

  • Willful desertion
  • Irreconcilable differences
  • Conviction of a crime
  • Domestic violence
  • Venereal disease
  • Drug/alcohol addiction
  • Abandonment for one year or more
  • Attempted murder of one’s spouse
  • Unexplained absences
  • A prior marriage that was never dissolved

The legal divorce process

If you have grounds for divorce in Illinois, here is the simplest way to file for one and begin the legal process.

If you are the plaintiff, the first step is to ensure the Petition for Dissolution of Marriage is delivered to the defendant. Once the defendant receives the petition, he or she has 30 days to respond. 

Some supporting documents, such as a parenting plan (with children involved), can also be filed in addition to the petition. If the judge finds all the paperwork is in order, s/he will grant the spouses a Judgement of Dissolution of Marriage.

You and your spouse can also file for divorce together by filing a joint petition for simplified dissolution. You can file this petition when where there are no complications, and spouses are largely in agreement on how to go about the divorce. Factors that make a simplified dissolution of marriage possible include:

  • A marriage with no children
  • A marriage that has not been in existence for more than 8 years
  • Divorce without expected spousal support
  • Where the couple wants to get a divorce on no-fault grounds
  • A marriage where the couple involved have a written agreement on how to divide debt and any existing property in excess of $100 between themselves.

Divorce coaching and support

The above are just procedural facts. However, we know divorce is highly triggering and emotional responses can lead the charge. So if you are a woman, we urge you to consult and ask the right questions of a divorce attorney before you make any decisions about “how you will divorce” or before you agree to any terms with your spouse —yes, even if you want to do it amicably. You’ve probably never divorced before, and just rushing through the divorce process, agreeing to terms because you “want it to be over” is a very bad strategy.

As divorce coaches, we know the number one mistake women often make is that they do not do due diligence in securing their best outcomes. In other words, they don’t find out what the law entitles them to. Without talking to a divorce lawyer, you do not know what you don’t know and what you are giving up. This could have serious implications for your future. Divorce laws exist for good reasons —these laws are often designed to protect women and children. So find out for sure before proceeding.

Child custody requirements

Children are the most important part of our lives. We often worry about getting a divorce because we are thinking of their well being. In Illinois, a child is anyone under the age of 18. Illinois law defines a child as one who is under 19 years and still in high school.

Fortunately, the divorce laws in Illinois put children’s welfare first to ensure their happiness after the divorce. The court decides who gets custody of children in a divorce by considering the best interest of the child or children involved. 

The custodial parent has responsibility for taking care of the children while the other parent pays child support, which the court calculates according to their income. The couple can also agree on joint custody, in which case they need to enter into a Joint Parenting Agreement. 

In Illinois, child support is calculated as a percentage of one’s income after deductions such as FICA are removed from an individual’s income. The percentage increases according to the number of children involved.

Marital property during divorce

In Illinois, law categorizes property as “separate” during a divorce if earned before the marriage. On the other hand, marital property is what the couple acquired during the marriage.

Marital property belongs to both spouses, and the judge splits it up among the two in the divorce. However, any separate property belongs to the owner and does not get split in the divorce.

Couples should be careful with the separate property as it can turn into marital property. For example, if you receive money from a gift or inheritance and put it in a joint marital account, the court can categorize that as marital property. Therefore, be careful about how you handle your personal assets. If you inherit money, do not commingle it with your marital accounts.

Illinois divorce law and dividing assets

In Illinois, judges are responsible for dividing property in a divorce. The judge ensures a fair distribution of any property or assets among the spouses based on the following factors.

  • Health and age of the couple
  • How much each couple contributed to the marital property
  • Financial resources of each spouse
  • How long the marriage lasted
  • Employability of either party

Unfortunately, since judges look at the spouses’ earning capacity, it means the lower-earning party can get a bigger portion of the marital assets and property.

The good news is any misbehavior during the marriage, such as adultery, will not hamper the chances of a spouse getting what is justly theirs when the property is divided.


For more practical, legal, and emotional things to do to support yourself, read our 36 Things to Do If You are Thinking About Divorce


In Illinois, the law considers retirement property acquired by the spouses during their marriage to be marital property too.  You may worry about splitting such, and that is okay. The process is quite complicated, and it is best that you and your ex-spouse contact a financial advisor for help in understanding and making the process easy.

When it comes to inheritance, a surviving spouse cannot claim the ex-spouse’s property after their death, if their divorce is finalized. 

Spousal support and alimony

According to divorce laws in Illinois, when it comes to paying alimony, either of the spouses can get spousal support from the other after a divorce. 

However, the court will decide how much alimony the deserving spouse receives. It will also consider other factors, such as the emotional, physical, and mental condition of both parties. In many cases, the court sets alimony arrangements only for a specific duration as judges expect the deserving spouse to become self-supporting after some time. 

The spousal support can be permanent if the deserving spouse is unable to support themselves indefinitely; for example, if they have a debilitating injury that prevents them from working. Where a divorce is pending, courts can also allow spouses to get temporary alimony agreed upon by both parties.

Can you get a no-fault divorce in Illinois?

A no-fault divorce is where spouses get a divorce without putting fault on each other. They only have to give any reason that the state approves for a divorce to get it. 

For example, in Illinois, a no-fault divorce can be granted if the couple says their union is irretrievably broken. An irretrievably broken marriage is where a couple cannot get along in their marriage, and their relationship cannot be repaired. 

If you want to divorce your spouse, it’s best to maintain a cordial relationship so that you may be eligible for a no-fault divorce. However, sometimes it’s difficult as relations are quite broken by the time you seek a divorce. If you are undergoing a difficult process, seeking a divorce coach or mediator can make things easier.

Are there other options apart from a divorce?

According to divorce laws in Illinois, there are other alternatives to getting a divorce. For example, a couple can get their marriage annulled or legally separate. The process of divorcing in Illinois, although much easier than in many other states, can be challenging. It’s always a good idea to contact a divorce coach to better understand the process and what steps to take first or a divorce lawyer for helping you understand what your rights are and what you are entitled to.  

 

For women seeking structure, guidance, education, and support as they “contemplate” or begin the actual divorce/separation process, we invite you to consider Annie’s Group, our powerful, virtual, group coaching program for women only. Annie’s Group provides support, education, and a community of like-minded, resourceful women, so you feel less alone. Read more here

Founder of the quick online divorce service It's Over Easy, Laura Wasser

A Quick Online Divorce: Is It Right for You? Interview with Celeb Divorce Attorney Laura Wasser

Divorce is probably not one of your Pinterest boards, but given the hefty cost of dissolving a marriage, a DIY divorce is an option that could save you thousands of dollars, giving you a financial springboard into the next phase of your life instead of opening a drain under it. When you consider that the *median savings account for American households is about $11,700 and the average cost of an “attorney handled everything” divorce is about $11,300, it’s a simple comparison to make, but it’s also a complicated and emotionally fraught equation and, at first glance, a seemingly impossible choice.

It’s not impossible, but it is tricky. Online divorce options are not for everyone. They are best for people who get along with each other well enough to communicate throughout the process, keep it uncontested, and have a handle on what they want for themselves.

SAS interviewed divorce attorney Laura Wasser about why she is now offering quick, online divorce as an option for her clients.

Q: Who are the best candidates for an online divorce?

A: “The best candidates  are couples who can exchange information and reasonably negotiate on issues like child custody,  spousal and child support, and division of assets and debts,” said Wasser, who has handled high-profile divorce cases for Maria Shriver, the Kardashians, Ryan Reynolds, and Stevie Wonder.

With 20 years in the field of family law, Wasser established It’s Over Easy (IOE), a quick online divorce option that enables people to have some flexibility within the platform, offers customization state to state, provides referral resources and help with filling out the forms.

Q: Can one have a private consultation with an attorney and then use her advice to complete the application?

A: “We structured It’s Over Easy so that if  people need to take a break from the process,  consult with an attorney or mediator,  and come back to the site once they have gotten the information or the necessary arguments, they can do so,” said Wasser.

What to be careful of…

As with any DIY project, with a quick online divorce you will be learning by doing. Check-in with yourself. Are you genuinely up for the task or learning what you don’t know? There is research and leg work involved, not just about choosing the right online platform and what they offer, but about the legal requirements particular to your state, county, and household. One of the biggest mistakes people make in the online divorce arena is not doing enough research to make sure the right steps are taken, to make sure they’re taken correctly, and to navigate the to-do list well enough to negotiate a fair resolution that works, especially for them long-term.

When you are going through a divorce, you don’t know what you don’t now. Chances are you’ve never been here before. So be careful of not rushing through a document so that you are “done.”

You may not have treated your marriage like a merger and your household like a business, but preparing for a divorce is a good time to adopt that attitude. It doesn’t mean you have to play an aggressive game of hard ball, but it does mean you have to maneuver and make decisions based on numbers, logic, and a realistic approach to what you need to live, not on romantic ideals or emotions. And it means you need to look out for yourself—not yourselves as a “team.”

Q: What are the most important things to be aware of in the divorce process, and how do they relate to doing it online?

A: “Anything you can resolve on your own,” said Wasser, “is better than having it litigated.”

“We built this platform so individuals could use mediators or family law attorneys, or divorce coaches. But we also really wanted to make sure that there were referrals to such professionals. I have done the research and found that many of the other  online  divorce services simply provide forms  but no assistance in filling them out or resources or referrals that you can turn to if you hit a wall.”

Penalty of perjury and transparency

If you are not the marriage partner who has been the bread-winner or in charge of the bills, budget, and retirement planning, you need to be prepared for a steeper learning curve, and for the solid possibility that your (Ex) spouse may not want to be as transparent about what they’ve been doing with “the books” as they should be—even if you do get along. He* is probably savvier about things like where to file, and if he has assets to protect, he knows how to hang onto them.

So a big question to ask yourself is, are you getting all the financial information you need? And who is helping you evaluate your financial choices? If you’re not experienced with finances, you need someone you can trust (not your spouse) to help you evaluate what’s truly fair.

Of course, you can fill out the financial forms on any online platform, but you need to make sure you have fact-checked and been appropriately guided on what is best for you financially.

Q: How do you complete the financial information on the forms if you know nothing about the finances?

A: “In many  cases, the forms and disclosures you each complete will almost mirror each other because the family only has a certain amount in income or assets, which have to be accounted for on the more knowledgeable spouse’s forms, as well.  All are filled out under the penalty of perjury, which helps keep people honest,” said Wasser. “But it is fine to seek help from someone on the outside who can coach you through the negotiations.”

An expert third party with a well-versed eye on the significant financial and emotional cost of litigation can help you make sure that what you are agreeing to makes sense for you,  not only now, but 20 years from now.

Q: What do women in particular need to be careful of?

A: “Women, be wary of being taken advantage of,” said Wasser.  “It seems that, whether we’re the breadwinners or not, often women feel  it is our duty to be the caregivers. This extends  beyond  our children and sometimes to our prospective Exes. There is no reason to be bullied into a settlement to which you cannot  adhere.  Make sure that you put your emotions aside and handle this as a business transaction.”

Q: If you are dealing with high end clients, why start a quick online divorce option?

A:Creating It’s Over Easy, and providing online support and availability for people to work through the process on their own and save time,  money, and aggravation is extremely important for me,” said Wasser, “as I see the outdated ways of practicing family law negatively impacting our children. With the landscape of divorce changing comes new and outside-the-box thinking and ways for people to move onto their next chapters.”

 

Jennifer Bent is a freelance writer, former print journalist and feature writer living on the West Coast. Nicknamed Verbose at a young age, she loves word craft but has to keep a short leash on her fondness for the profane. Jennifer enjoys compelling content and the liberty to write about interesting contributors and innovative ideas. Connect with Jennifer at verbosej@hotmail.com 

Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of divorce. Schedule your FREE 15-minute consultation with SAS. Tell us confidentially what’s going on, and regardless of your working further with us or not, we’ll give you black & white feedback, resources and suggestions for your next steps.

 

*(Statistics on average American savings accounts and the average cost of attorney-handled divorces were gleaned from CNBC.com and NOLO.com, respectively).

*We support same-sex marriages. For the sake of simplicity in this article, however, we refer to your spouse as your “husband” or a “he.”

Thinking about advice for women

Advice for Women Who Think They Can’t Afford a Divorce

Divorce is expensive. While there is, of course, an emotional toll, there is also a heavy financial toll for which many people are not prepared. Even under the best circumstance, divorce is difficult and costly. And while help is out there, when you’re looking for it, you want advice for women wearing your particular set of shoes.

As coronavirus (COVID-19) rages throughout the world, many women are quarantined with their spouses. Some of those women are starting to think about divorce. Although it’s too early to tell, divorce attorneys world-wide are reporting an increase in requests for consultations. If you are thinking about divorce during this uncertain time of health and economic crisis, you might be met with new challenges, such as pay cuts or even job loss. Courts in most jurisdictions are also closed for non-emergency matters.

During this time, how will you afford to pay for legal fees and interim expenses if your spouse cuts you off and you cannot submit an application to the court or even meet with your attorney?

What are your options for funding a divorce?

In a perfect world, both spouses have money set aside, though in reality people save for weddings, not divorces. While it would be wonderful if both spouses got along and could agree on how assets should be divided, this is, unfortunately, not always the case. It’s important for clients to know about options they have to fund their divorce. Here is some advice for women thinking about how they can afford to divorce.

Divorce funding

Divorce funding is one such option. For many couples, one spouse has easier access to their combined wealth. The moneyed spouse will often cut off access to funds by the non-moneyed spouse entirely, a court will freeze assets, or assets are not liquid. Divorce funding provides a cash advance of the client’s potential settlement for legal fees, expert costs, and living expenses. It “levels the playing field,” enabling litigants to afford their divorce expenses, while maintaining their standard of living. Repayments are not made until a settlement is reached and cases can be funded in as little as two weeks. Divorce funding provides access to this essential capital.

Clients may not have the liquidity to start divorce proceedings and simultaneously afford living expenses, such as mortgage payments, school tuition, and other personal costs during the proceedings. Sometimes the moneyed spouse will use these expenses as leverage, forcing clients to agree to an inequitable settlement.

Should you lack the funds to hire proper divorce assistance, divorce funding could be an option. Divorce funding gives qualified spouses’ lines of credit while they work toward a fair divorce settlement. It’s an increasingly popular product that can help divorcing spouses find hidden assets and ensure a more secure financial future for themselves and their children.

With the liquidity of divorce funding, no one is forced into a settlement less than they deserve. Divorce funding is a valuable tool not just for clients but also for experts. It has become an integral practice management tool for an increasingly large number of divorce lawyers in the United States.

Application to the court

As an alternative to saving, the moneyed spouse could be ordered by the court to pay both sides’ legal fees and expert costs, but even getting to motion practice can be expensive and time consuming. Not to mention, there are no guarantees the client will be awarded fees. Many judges also defer a decision on fees to the end of the case. As of now, the courts are closed, and when they are reopened, the backlog of cases will be significant and your application may not be heard for an extensive period of time.

Credit cards

Putting the cost of a divorce on a credit card is another option, but for many, the credit card limit would not meet the cost of the legal fees. You’d have to make payments during the divorce proceedings, too, which may not be possible for some clients. (And please know that low credit scores may prevent a spouse from being eligible for a credit card after the divorce.)

Home mortgage

Clients sometimes turn to a bank to refinance the marital home and help pay for their divorce. Litigants may pull equity from a house to pay for interim support and legal fees until a divorce is final. Home equity loans can take many months to be approved, and the loss of a home can threaten custody battles. On the other hand, lenders may not approve clients during a divorce, causing a variety of roadblocks. Sometimes couples going through a divorce don’t know where to turn.

Speak with a divorce professional to weigh out which option is best suited for your case. What worked for your friend may not be the choice for you. The financial aspect of divorce likely seems overwhelming. Whatever you choose, remember—do not throw good money after bad. Decide your nonnegotiables as well as those items you are willing to give up. Some of the best advice for women going through this journey is to allow yourself to look at this part of your divorce as a business transaction, so you can commit to your divorce recovery and move on to your next chapter in life.

To learn more about divorce funding and how it can help you, please visit newchaptercapital.com, call (212) 404-7807, or email Nicole at nn@newchaptercapital.com

Nicole Noonan, Esq., CEO of New Chapter Capital Inc., specializes in divorce funding. She formerly served as President of Novitas US. She is a nationally recognized divorce expert and pioneer of divorce funding. Crowned the “Fairy Godmother of Divorce” by the New York Post and formerly President of National Divorce Capital, Nicole was also Director at BBL Churchill.

Since 2012, SAS for Women is entirely dedicated to the unexpected challenges women face while considering a divorce and navigating the divorce experience and its confusing afterward. SAS offers advice for women through six FREE months of email coaching, action plans, checklists and support strategies for you, and your future. Join our tribe and stay connected.

Divorce and women one woman's journey

Your Inner Voice and the 9 Warning Signs of Divorce

It’s funny because it’s true: If it were easy to hear our inner voice, there wouldn’t be so many of us reminding each other how to do it.

And when that voice is telling us that something is rotten in the state of our marriage, or simply that we just don’t fit inside it anymore and we really do need to grasp the nettle, upend our entire life, and end our relationship, we go looking for warning signs of divorce—anything that tells us that it’s truly necessary.

That’s okay. It’s smart and reasonable to investigate the warning signs of divorce when facing that all-encompassing life change. You wouldn’t build a house without a foundation; informing yourself of what the common signs of divorce are lays the stones of your foundation in place. It helps you feel logical and rational during a moment when you might feel anything but.

From the author Carolyn Myss’ advice to “follow your scariest guidance” to Joseph Campbell’s principle of “following your bliss,” it seems as though there are almost as many recommendations to listen to the quiet voice of our spirits as there are people in the world.

That’s because it bears repeating:

That gut instinct is difficult to hear. The voice of our true self, the bigger version of us, the divine, the call, our souls, a higher power, whatever you call it (and it seems that most of us have at least some sense that “it” is there, within and without), is not only quiet and hesitant at first, but we also tend to keep a lid on it because it scares us.

The noise of daily life can be so raucous and distracting—and of course, to a certain extent, we all like our distractions because they help keep us dog paddling in comfortably small circles and our egos too tickled, or tortured, to move. Like a corral, distractions and demands keep us penned up in predictability and apparent safety, surrounded by the familiar voices of our social norms, our families and our peers, muffling the inner voice until we can shrug it off as if we were just imagining it.

We’re not.

Heeding the inner voice

We can try to keep the inner voice quiet, try to cling to the illusion that it’s the illusion, just our imagination running wild. But we’re not imagining it. The voice of the less constrained self, the most authentic, unbound, bursting-out-of-the-corset part of us is there, whispering, urging, beckoning.

The difficulty isn’t so much in hearing it as heeding it.

But, when we do that and do it consistently—often summoning all of our courage and fighting back our worst self-doubting, self-limiting behaviors, beliefs and relationship patterns to do so—is when it gets loud and clear.

We have so much hope tied up in marriage, so much invested in it and long-term partnerships where property, finances, and children are part of the bond. When marriage is good, it is very, very good. But when it is bad…yep, it’s horrid. Now if it started off horrid, right out of the wedding reception gate, it might be easier to shake it off and move on. Let’s do a Horrid Hypothetical just for fun—something Gothically awful. Like, his other wife from a marriage he’s been hiding and lying to you about all along comes rolling up to the curb, right behind your streamer-bedecked ride to the airport as you surge forth, freshly avowed in your white princess dress while your wedding guests blow kisses and shower you with birdseed, and starts throwing red paint all over you for trying to take her man while a Jerry Springer camera crew films the whole thing.

If it went like that, divorce would be an obvious choice. You’d be out of the marriage faster than the dress, and your entire posse of family and friends would rally around you instantly; you’d have no qualms at all. No signs would be needed. But that’s not the way it goes, and we do need to confirm the warning signs of divorce. It’s more like the frog in the frying pan scenario. Toss a frog in a hot pan and it jumps right out, but put it in a cool pan and gradually increase the heat…

Some common warning signs of divorce

It’s usually not obvious. It’s the gradual going wrong that is more typical of marriages that need to end, and it’s the subtle signs, not the Gothically awful, that tell us it’s time to make that happen. Until the inner voice becomes loud and clear and we do as she says with a lot less hesitation, we should identify the signs of heat (and not the fun kind) rising:

  1. Communication breakdowns are pervasive, whether that is chronic defensiveness, criticism, or contempt.
  2. Indifference feels like the rule rather than the exception. You get the feeling that they just don’t care if you’re in the room or not, or vice versa. It takes a crisis to get a mate’s full attention and when it’s over, they drift away again, having checked it off their to-do list.
  3. And while we’re on the to-do list, another sign of impending divorce is when sex becomes an item on that list, more of a task than something that excites and enriches, expresses a fundamental attraction, that draws you out of yourself and your skin with passion and arousal and creates a lovely, sexy bond between the two of you.
  4. The distancing expands to include not just a drop-off in the sexual exchanges but a drop in your desire simply to be in their company. You begin to live more like roommates.
  5. Distancing turns into an outright aversion to being around them.
  6. Your sense of responsibility to that other person begins to feel like an obligation rather than a joy or a gift of time and energy, done with what used to be compassion or at least graciousness.
  7. An addiction or habitual, non-constructive behavior takes precedence over your mate.
  8. You begin to look for—and find—emotional connection with others, which can become emotional affairs.
  9. Sexual affairs—cheating—become justifiable in your mind and perhaps even occur. (This warning sign is not so subtle).

For the most part, though, the signs are subtle, but even more subtle is that inner voice, the song of our authentic self. That voice is quiet, unassuming—at least until we start tuning out the dissonance so we can hear it.

Clarissa Pinkola-Estes, Ph.D. writes about this voice, the archetype it belongs to, in her book “Women Who Run with the Wolves: Myths and Stories of the Wild Woman Archetype.”

“I call her Wild Woman, for those very words, wild and woman, create llamar o tocar a la puerta, the fairy-tale knock at the door of the deep female psyche…When women hear those words, an old, old memory is stirred and brought back to life. The memory is of our absolute, undeniable, and irrevocable kinship with the wild feminine, a relationship which may have become ghostly from neglect, buried by over-domestication, outlawed by the surrounding culture, or no longer understood anymore. We may have forgotten her names, we may not answer her when she calls ours, but in our bones we know her, we yearn toward her, we know she belongs to us and we belong to her.”

Thankfully, the wild, unbound woman inside us all never stops whispering.

Jennifer Bent is a freelance writer, former print journalist and feature writer living on the West Coast. Nicknamed Verbose at a young age, she loves word craft but has to keep a short leash on her fondness for the profane. Jennifer enjoys compelling content and the liberty to write about interesting contributors and innovative ideas. Connect with Jennifer at verbosej@hotmail.com 

SAS women are those amazing ladies you meet who are entirely committed to rebuilding their lives after divorce—on their own terms. If you are discerning, newly divorced and independent, you are invited to experience SAS for Women firsthand and schedule your free, 15-minute, private consultation. Whether you work further with us or not, we’ll help you understand what your next, black and white steps are for walking into your BRAVE unknown.

A person considering a marriage annulment or divorce

What is the Difference Between a Marriage Annulment and Divorce?

A marriage annulment may seem like a thing of the past, but the legal process is still very much alive and could be an alternative to divorce.

Annulment of a marriage can take place in both religious and secular societies, although it may be more common in the former. To put it simply, an annulled marriage is a marriage that never happened. It’s void, or voidable, when the marriage took place. Marriages can be considered void for several reasons. But a divorce recognizes that, although the couple is now legally separated, the marriage did take place and was valid at the time.

If you’re thinking about ending your marriage, it’s important to note that laws surrounding a marriage annulment can vary greatly, both from country to country and even within nations. Laws within the US and the UK, for example, differ from each other.

What is an annulment?

Not all places have such a thing as a marriage annulment, and where they do, the laws, processes, and reasons a couple might seek a voided marriage vary greatly. In Wales, for instance, there are restrictions on marriage annulments, and they must normally take place within three years of the date of marriage. In the US, annulments occur for reasons like fraud, bigamy, duress, underage marriage, marriage between close relatives, and mental incapacity (even mental incapacity caused by intoxication, in many states).

Time is also a factor. Normally—although not always—an annulment takes place within the first few years of the marriage. It makes sense that if misrepresentation (see below) is a reason for annulment, that the couple would separate soon after discovering the misrepresentation rather than remaining with a partner. On the other hand, the choice to remain in the marriage could make annulment more difficult, as one partner did consent to remain in the relationship rather than separating. A court may view divorce as a more viable option in this case. But again, it depends on location. In New York state, a marriage could be voidable if there was substantial misrepresentation up to three years after it was discovered.

The history

It may be considered unjust that while a divorce is available to all, annulments are only available to some. The notorious Henry VIII had many marriages annulled, after all. But even in modern times, the examples that come to mind tend to be celebrities (Britney Spears, anyone?) and not so much the everyday people we interact with in our daily lives. But a marriage annulment isn’t available to only the rich and powerful.

Historically, in countries with heavy religious backgrounds or where divorce is not legal, this may be (or may have been) the only option. In some religions, a tribunal must decide whether a marriage was “in some way lacking from the beginning.” The principal is broadly similar—the marriage was not valid at the time; therefore, it is not valid now.

Who may get an annulment as opposed to a divorce?

Although religion does play a part (for example, those with dissolved marriages in the Catholic church can remarry in the church), this is not always the case.

If a partner is dishonest about any of the following: current marital status, having children with a previous partner, intentions of having children (or lack thereof), having a sexually transmitted infection at the time of marriage, criminal history, religion, or any other substantial fact, these could all be treated as grounds for annulment rather than divorce (depending on location). Once again, it comes down to whether the other person would have agreed to the marriage, having known the facts, at the time. Or if a partner was aware of the situation but induced the other partner into thinking that they were happy to proceed with the marriage despite those facts (an example might be a woman who was aware of a man having fathered children with previous partners, only to change her mind later).

Is it necessary or a thing of the past?

The result could be the same. If a married couple who divorces has children, divorce proceedings would decide things like custody, visitation rights, etc. as well as dividing the couple’s assets.

In the case of annulment, let’s say for misrepresentation, the courts may look more favorably at the partner who was misrepresented. The misrepresented facts normally must be substantial (as previously mentioned: dishonesty about marital status, children from previous relationships, criminal history, sexually transmitted infections, religion, or fraud). Misrepresentation is often one key difference between annulment and divorce.

The local or national laws in your area are most likely to dictate whether a marriage annulment is possible for you and what rights partners who have annulled marriages might have. While some may argue that annulments are a thing of the past or only relevant in religious societies, others will argue their advantages in the 21st century. Knowing that your marriage was not valid might provide some comfort and make it easier to start over or find a new partner. But since every relationship is different, the decision to have a marriage annulled or to get divorced is one that couples need to make for themselves.

Beatrix Potter is a professional writer at Write My Essay and Do My Homework writing services. Bea writes about relationships. In her spare time, she enjoys traveling, running and reading a wide range of genres.

Since 2012, SAS for Women is entirely dedicated to the unexpected challenges women face while considering a divorce and navigating the divorce experience and its confusing afterward. SAS offers women six FREE months of email coaching, action plans, checklists and support strategies for you, and your future. Join our tribe and stay connected.

how to make divorce cheaper

How to Make Divorce Cheaper

You’ve gone through a lot. Now you just want to get ending your marriage over with.

And while a divorce is the only way to move forward sometimes it’s also the problem, especially when it comes to the cost.

The estimated cost of getting divorced in the United States is $10,000 to $20,000. Yes, that’s a lot. But here’s the good news: if managed properly, the overall cost can be much less. How, exactly, does one make divorce cheaper, might you ask?

While every divorce situation is different, there are some things you can do to lessen the cost.

Remember that it isn’t going to be easy

Since your spouse will no longer be there to help you financially, expect a significant reduction in your income. It’s not easy, especially if you have children to send to school and bills to pay. Don’t expect that you will be able to maintain your present lifestyle. Money will be tight, that’s for sure. There will be times when personal loans, such as emergency cash for single moms, is the only way to keep up with your financial responsibilities. But you shouldn’t feel discouraged. The key is to plan ahead. Think about ways to augment your income and try to keep your expenses down.


You may want to read 7 Ways to Pay for a Divorce.


Work through it together

It may sound counterintuitive because you are divorcing your husband*, but trying to be reasonable with him is actually the path to an inexpensive, quick, and easy divorce. In this setup, both of you will have your own attorney. You may choose to work with a divorce financial specialist and, especially, a divorce coach too. This latter investment may look expensive at first, but in the long run, a divorce coach will actually save you money by helping you understand what you can and cannot be doing so you avoid a drawn-out, exhausting divorce that ends up going to court.

The experts will work together to advise and help you and your husband achieve an amicable settlement. Be ready to compromise on several issues, particularly those concerning property division and child custody.

There’s nothing more draining than embarking on an all-out-war with your husband. If you trust him, be willing to share needed information with him. Be willing to negotiate. It’s not always about getting all you can get. Sometimes, you may have to settle for less to avoid most costs.

Assess your current financial situation

The more work your attorney has to do, the more expensive the divorce process gets. Get organized and make sure you have all the information on hand, from your list of assets to your bank information, investment funds, pension plans, etc. Make copies of all relevant documents for yourself and your attorney. This will go a long way as you attempt to make divorce cheaper.

Choose your battles

Remember this—every conflict in the divorce proceeding will cost you. Figure out what’s most important to you. Financial security? Family home? Custody? Deciding on this matter early on should help you concentrate your attention and expenses to things that are more important. This should also help your lawyer deal with your case and make the process easier.

Take it online

Instead of going to your attorney’s office right away, you can start the process online. But first, check if your state allows e-filing for divorce petitions. It’s easy, quick, and convenient. You can download the forms from your court’s website and fill them out before heading to an attorney. Alternately, you can get an online divorce paper preparation service, which will cost you no more than $400.

Online filing is really best to make divorce cheaper, especially for those who do not have a lot of assets or debt and no children. It is also easier when your divorce is uncontested. Meaning, you and your spouse agree to the terms stated in the paper. Ensure that all the divorce details are in the documents you have prepared such as your social security numbers, marriage date and location, addresses, names of your children, and the properties you are dividing. If you have a more complex situation, it is much better to work with an attorney.

Get rid of joint accounts

When all is done and over, the last thing you want to happen is to pay for your Ex’s loan because he defaulted. Before getting divorced, get rid of joint accounts you have with your spouse. If you can’t get rid of such accounts, check if you can have them under one name only.

Focus on the future

A divorce is an event that affects the rest of your life. You must look at every financial issue from the perspective of how it will affect you, especially your children, in say five to ten years. This should help you make smarter financial decisions. Do what’s best for your kids. After all, at the end of the day, they are the ones who will suffer or benefit from the outcome of your decisions.

Divorce itself is a difficult and expensive process. So why make it worse? There are things you can do to make divorce cheaper, easier, and quicker so you can get on with the healing that is critical to your divorce recovery. You and your spouse have to cooperate and agree on many things. Think about what’s most important to you. This way, you can make better decisions that can save you money in the long run.

Since 2012, smart women around the world have chosen SAS for Women to support them through the emotional, financial, and oft times complicated experience of divorce. SAS offers women 6 FREE months of email coaching, action plans, checklists and support strategies for you, your family, and your future.

“When a woman comes through divorce with the proper guidance and her questions answered, her life stands before her like something she could never imagine while she was is in the dark.” ~ SAS for Women

Lidia Staron is a part of Content and Marketing team at opencashadvance.com. She contributes insightful articles about the role of finance in the strategic-planning and decision-making process.

How to divorce a missing spouse

How to Divorce a Missing Spouse

Marriage doesn’t always work out.

Feelings fade away, interests don’t align, and couples drift apart from each other. Sometimes both you and your husband* want nothing more than to be miles apart—you’re no longer bothering to “keep tabs” on each other anymore! But marriage isn’t something you can really walk away from and forget about. There’s a legal weight to the words “I do” and “till death do us part.”

Even if you get married on a whim in Vegas, with Elvis presiding over your marriage, that contract is as real as it gets. And here lies the rub: if you fall in love with someone else and want to get married again, you need to get a divorce first.

But what if you and your husband drifted so far apart from each other, you don’t actually know where he is? Because, yes, marriage might not always work out, but surely your divorce won’t either when step number one is figuring out exactly how to divorce a missing spouse. Luckily, that’s not the case. Women who find themselves in this position have options.

Missing in action

If your not-so-significant other is M.I.A and you’ve lost track of where he’s living, do not fret. There are a few more legal steps you need to take, but you can still get a divorce. Your husband’s absence doesn’t mean you have to stay married to him forever.

That would be just plain unfair, but the good news is that each state has laws about how to divorce a missing spouse. A central part of this process is taking out an ad and publishing a notice of the divorce in the local newspaper. Before starting the publication process, however, there are a few steps you need to take as required by the state you’re in. Let’s take a look.

Leave no stone unturned

The first order of business is to conduct an exhaustive search for your missing husband. Most states require a “diligent effort” search, so if you’ve heard the term “due diligence” before, it applies in this situation. What this all means is that you have taken all the necessary steps in trying to locate your husband.

Here are some of the steps in the due diligence search process:

  • You must ask the sheriff to try and serve your husband at his last known address (in some states).
  • Use the internet, email, social media and other networking sites to try and track down your husband. Besides, you can try search people online tools to find out new registered information about your spouse.
  • Get in touch with the DMV for his latest registration information.
  • Check with the post office and voter registration.
  • Contact your husband’s known family to find birth parents, friends, and office mates, as well as previous employers.
  • Try calling his last known phone number.

If you don’t want to do all this (no time, emotional distress), don’t worry. You can always hire an attorney or private investigator to act on your behalf. Hiring a professional is actually a great idea because they can conduct a more thorough search than you can.

Get court approval to publish

After conducting a due diligence search and exhausting all possible ways to find your missing husband, it’s time to go to court. Take the results of your search, present it to the court, and ask for permission to serve your husband by publication. Depending on what state you’re in, the process usually involves filing a motion with the court together with an affidavit.

An affidavit is a sworn statement detailing your efforts to search for your husband. The judge will review your testimony once you file your papers with the court. If the judge approves your due diligence, they will issue an order for publication.

It’s publishing time

After getting your order for publication, read the instructions carefully. The rules for “service by publication” vary for each state. For instance, in New York, the newspaper must serve the last known address of your husband. Most states require that you run the notice once a week for three straight weeks in the county where you filed the divorce.

Most jurisdictions give you 30 days to publish your notice after receiving your order, and some require you to post a note at the courthouse. Look for the newspaper’s legal notice department and show them your order and a copy of all divorce documents. The legal staff will help you craft an appropriate notice based on the judge’s instructions.

The divorce process

The newspaper will give you an affidavit that confirms they published your notice. You must notify the court that you’ve run the announcement and file the affidavit immediately. Note that there will be a waiting period of up to 30 days before you can go ahead with your divorce. This gives your husband time to respond and provide notice to the court.

If your husband doesn’t respond after the required waiting period, you can ask the court to give you a divorce by default. Some states cannot rule monetary issues such as child support or property division when you get a divorce via a missing spouse. If that’s the case for you, you’ll get a divorce, but some problems will likely remain unresolved.

Figuring out how to divorce a missing spouse seems daunting at first, but like most things, it can be tackled one step at a time. The route to getting divorce may be a little longer than usual, yes, but you’ll soon be sipping margaritas on the beach with some girlfriends or your new love once all the legalities are over and done with.

Ben Hartwig is a Digital Overlord at InfoTracer who takes a wide view on the whole system. He authors guides on entire security posture, both physical and cyber. He enjoys sharing best practices and does it the right way!

Whether you are considering a divorce or already navigating the confusing experience, one thing we see making a significant difference for women is the conscious choice to not do divorce alone. Since 2012, smart women around the world have chosen SAS for Women to support them through the emotional, financial, and oft times complicated experience of divorce.

SAS offers women 6 FREE months of email coaching, action plans, checklists and support strategies for you, your family, and your future. “A successful divorce requires smart steps, taken one at a time.” – SAS for Women 

*At SAS for Women, we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.