Divorce Advice
Divorce Advice
Advice on Divorce

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How to Avoid Divorce Mistakes

Be informed and take charge of your divorce today. If You Are Thinking About
Getting a Divorce...or If You Are Just Beginning Divorce Proceedings....

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Crucial Divorce Advice

Divorce and separation shatter lives. Change Your Approach and you will Change your Position. Separation and divorce can cause a lot of hardship in both you and your lover’s lives. These are external factors separate from the ties themselves but they weigh in heavily in the overall situations of the relationship. These are shown to actually worsen if the bonds of love weaken and fall apart. Click Here


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Divorce Advice

Financial Considerations Before You Divorce

The following financial considerations are important, as divorce and credit go hand in hand. How you proceed now can affect you financial standing in the future. It is vital to make sure that all payments for the mortgage, rent, utilities, loans, and credit cards are made on time. Because delinquent accounts will affect your credit severely in the future, call all accounts and request to be notified of any missed payments. You may want to freeze or close joint credit accounts, or better yet, ask the creditor to convert them to individual accounts in the name of the person who will ultimately be responsible for the debt. Making account changes before the divorce is finalized saves a lot of headaches.

Financial Considerations on Assets
The biggest financial considerations center on dividing the assets. Because not all assets are created the same, you need solid information when deciding how to split everything. The consequences of not understanding and finding out when it is too late can be financially and emotionally devastating! To make sure that you get what you deserve, check out the Property Division Handbook. This book explains in detail the property distribution aspects of divorce and separation. It focuses on the rights each spouse has under certain laws, situations, and circumstances, and how the division of the property will be decided by the court or through negotiation.

Financial Considerations on Credit Standing
Another very important financial consideration in your divorce is to find out what your credit rating is. You should get a credit report now to determine if there are any blemishes that will hinder your future ability to borrow money. If there are mistakes on your credit file, or if a reported debt has been paid off, contact the reporting agency to rectify the situation.

One service that I like is FreeCreditProfile. They not only offer you a free credit report--you'll also receive a free credit score and free debt analysis. All this online in seconds. From the name you trust.

If you have a history of irregular payments on outstanding debts, you should contact the individual companies to see if they will lower the payments. Once you have made regular payment for six months, they should remove the blemish from your report.

Financial Considerations on Individual Credit
Once you have determined your credit history, a wise financial consideration is to establish credit in your own name. The Discover® Card is a good card to consider, with competitive rates and low fees. When applying for a card, keep in mind the varying interest rates, as a lower interest rate equates to lower monthly payments. Also be aware of whether the interest rate is variable or fixed. A teaser rate on a variable rate card may be enticing, but can eat your lunch when the introductory rate is over, and the rate then soars to over 20%. With this in mind, choose a card with a low fixed rate.

Financial Considerations on Bank Accounts
Another financial consideration is to establish your own bank account. If your paycheck is automatically deposited to a joint account, have it switched to an individual account in your name only. You may also want to take your name off joint accounts, since you can be held liable if your spouse over-draws on that account. If it seems likely that your spouse will clean out all the accounts, take your half and put it in your own account. If he is a signer on the children’s accounts, you also need to have his name removed, or have the money transferred to a different account.

Financial Considerations on Taxes
If you are separated, as a financial consideration, you can file your taxes separately as “head of household”. Detail who gets to claim the children as dependents in your legal separation. Keep this deduction if at all possible; it can mean money in your pocket with the earned income credit. If you are claiming the children as your dependents, make sure that your husband doesn’t also try to claim them. The last thing you need is an IRS audit

Financial Considerations on Insurance
Your insurance coverage also needs to reflect your change in status. If both names are on a policy, and your spouse has an uncovered liability, you can be held responsible. The best financial consideration is to take your husbands name off the policy, or get your own policy (and take your name off his). If you don't already have an insurance provider, you can shop for the best insurance rates online at Netquote.com

©Tracy Achen 2001
At WomansDivorce.com we have one focus - helping women survive divorce and rebuild their lives.

For information covering what to include in your divorce papers and the other issues that you need to consider, DIVORCE 101: A Woman's Guide To Divorce - click here

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Ending in Divorce

I'm here to tell you that you CAN create the changes necessary to improve your marriage -- with or without your husband's cooperation, . As I always tell my clients, "If just one spouse in the marriage makes changes, those changes cannot help but affect the other spouse."

This brings us to the challenge most wives face when trying to make changes in their marriage. They usually think the changes that need to be made are in their husbands, not themselves.

The Relationship Doctor

Divorce Advice for Cheaters

Getting divorced is a frustrating and expensive time. Besides trying to find a good lawyer and then trying to get your lawyer to return calls, you also have to chase your Ex to sign paperwork! It's HARD, Frustrating and expensive. Then you have to deal with heartache AND difficulty concentrating. Do you know what I mean? Click Here
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Stop Your Divorce

My best advice is to get divorce advice from Experienced Counselors. Stop Marriage Divorce's team of four marriage counselors and relationship experts have each been in the industry for more than twenty years. We have saved more marriages than any other team of relationship counselors. All marriage issues can be solved.

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You owe it to yourself and your marriage to give it a try and save your relationship. If you are truely serious about saving your marriage then you must put these techniques into practice.

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NEW - Divorce Lawyer Directory
We advise everyone to talk to a lawyer from the beginning. Don't assume you don't need one even if you haven't been married long and don't think you have significant assets or debts to divide. The more assets in the marriage to dispute, the greater the need for professional advice. Divorce tends to become more adversarial as it moves forward.

How To Decide If You Should Divorce

Gives you a step-by-step formula to reach a well thought-out, careful decision that's right for you, your values, your priorities, and your life. It's different than anything else on divorce you've seen.

Brace yourself for the shocking reactions you may get from friends & relatives, and what to do BEFORE they happen
The 4 steps you MUST take immediately to protect yourself, your children, and your pets
How to shake yourself out of your fears and paralysis!
Uncover the singular most important question to ask yourself about your marriage
Reveal the factors affecting your thoughts & feelings about your marriage and a divorce, and learn why you may be struggling with indecision - Click Here

Divorce Strategy for Men and Women - click here is an insider's view on legal, financial, tax and personal is. A practical, step-by-step Divorce Action Plan that helps you devise your divorce strategy before, during and after the divorce. Easy to understand explanations of legal concepts such as marital and separate property, community property, equitable distribution, child support and spousal support. In depth discussions describing a host of proven tactics you can use when you divide your assets and assign responsibility for the payment of debts.

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Before You Leave

Before You Leave, By Relationship Therapist Helen Dahlhauser, About Endings And Beginnings And The Rich Relationships You Can Create Through A Unique Process Of Healing, Growth And Self-discovery - click here NEW

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Please note: The suggestions and advice offered on this web site are opinions only and are not to be used in the place of professional psychological counseling or medical advice. If you or someone close to you is currently in crisis or in an emergency situation, contact your local emergency 911 or a Counselor nearby