How much is it? How long does it take? Linnenbringer Law solves the puzzle of divorce.
Since 2008, I have handled over 4,000 uncontested divorces for clients throughout Missouri. In contrast to contested divorce proceedings, uncontested cases allow
for the parties to decide for themselves the appropriate disposition for their property and debt, and to
decide themselves what arrangements work best for the custody, visitation, and support of their children.
That said, just because your divorce is amicable and uncontested, it doesn’t mean that you don't have questions. Below
I have provided some information relating to the uncontested divorce process in Missouri. I hope that this Missouri Uncontested Divorce FAQ provides answers to the questions you may have about divorce and, specifically, the uncontested divorce process as provided by Linnenbringer Law. If your question is not answered here, please do not hesitate to contact me at any time.
Just the Essentials
This entire page is worth examining carefully. However, if you're short on time, here's the gist:
There is no gist to this page, as it's sole purpose is to provide
you with as much information as possible.
Before proceeding with an uncontested divorce, both parties would be
wise to review the information found here and throughout this site. Even with the
information being intentionally void of legal advice pertaining to a particular situation,
the background provided can help the parties understand the divorce process, and,
importantly, the attorney's role in an uncontested divorce.
Since 2008, I have handled over 4,000 uncontested divorces for clients throughout Missouri. In contrast to contested divorce proceedings, uncontested cases allow
for the parties to decide for themselves the appropriate disposition for their property and debt,
and to decide themselves what arrangements work best for the custody, visitation, and support of
their children.
Just because your divorce is amicable and uncontested, it doesn’t mean that you don't have
questions. Below I have provided some information relating to the uncontested divorce process in
Missouri. I hope that this Uncontested Divorce FAQ provides answers to the questions you may have about divorce and, specifically, the uncontested divorce process as provided by Linnenbringer Law. If your question is not answered here, please do not hesitate to contact me at anytime.
Tim
Gerald was the best attorney for my divorce it took me a while to find a lawyer who would handle
my case and I'm glad I waited smooth transaction very humble and helpful. Fast response back no
matter what very accurate I was very pleased and satisfied I would always recommend are go back
for business thank you so much again for helping me get through this with no hassle.
But first, a disclaimer.
My uncontested divorce FAQ contains a lot of information. To the best of my knowledge,
the information is correct, and the analysis sound. However, please remember, the law is fluid and does
change occasionally. Further, every situation, including yours, is unique in some way. While I am
hopeful this FAQ can help you as you move through the divorce process, please remember, that for a
complete analysis as to how the law may apply to your particular situation, or some particular aspect of
your case, you should consult with attorney.
DIVORCE BASICS
Your first step in deciding whether my office is an appropriate choice to handle
your divorce is to make sure your case is uncontested. If you are not sure whether your divorce
is uncontested, it probably isn't, at least not yet. An uncontested divorce requires the
cooperation and collaboration of each spouse. Prior to ever hiring me, you and your spouse will
have discussed your divorce and reached an agreement on the division of assets, allocation of
debt and, if children are involved, child custody & support. Each party must be ready, willing
and able to sign the paperwork that I prepare, which will reflect the agreement reached between
you and your spouse.
To recap:
If you find yourself emailing me and the email starts with, "I am interested in an
uncontested divorce. My spouse and I have an agreement on everything except . . ." then you
don't have an uncontested divorce yet;
If you want a divorce and your spouse wants a divorce, this does not necessarily mean your
divorce is uncontested. You and your spouse must both want the divorce and you must have an
agreement as to how everything will be worked out in the divorce;
You and your spouse must have an agreement as to who gets which assets;
You and your spouse must have an agreement as to who pays which debts;
You and your spouse must have an agreement as to maintenance/alimony (i.e., you must have an
agreement as to whether maintenance will be paid and, if so, how much maintenance will be
paid and for how long);
If you and your spouse have children, you must have an agreement as to who will pay child
support (if anyone), and an agreement as to how much that monthly child support will be.
Further, you and your spouse must have an agreement as to who will cover the children on
their insurance policy, how daycare expenses will be paid, how any other extraordinary
expenses (i.e., orthodontic work, educational expenses) will be divided between the parties,
and who will claim the children as dependents for tax purposes;
Again, if children are involved, you and your spouse must have an agreement as to custody -
when each party has custody of the children, when and where those visitation exchanges will
take place, and a holiday schedule.
For a more detailed explanation of what exactly is required of parties wishing to
facilitate their divorce through my flat-fee uncontested divorce service, please see the Missouri Uncontested Divorce
Checklists.
I can't bypass the mandatory waiting period nor can I control how long it takes
you and your spouse to review the documentation that must be approved prior to filing. However,
I work hard to make sure that everything you are relying on me to do is completed as quickly as
possible. This includes receiving rough drafts of your settlement documents within one week of
payment of attorney fees. I will also make sure your case is filed as quickly as possible,
usually within one or two days, if not the very same day, that I have your signed documents in
my office. Immediately upon the mandatory waiting period lapsing, your file will be presented to
the Judge for review. Once he or she signs off on everything, the divorce is final. My goal is
to get you divorced as quickly as possible and to reduce your stress.
No. I've had a few clients ask if they could pay an additional fee for a
guaranteed "final by" date. I can't do this for a couple reasons. One, it would probably be
considered some sort of contingency fee, which lawyers cannot take for family law cases. The
second reason is the more important to communicate, and that is that there are simply things in
this timeline that are beyond my control, especially when it comes to the final step - waiting
for the Judge to sign off at the conclusion of the mandatory 30-day waiting period. If the day I
pull your file and submit it to the Judge for review, the Judge takes a vacation, or is out
sick, or is in trial, or is just plain busy, your Judge may not be able to get to your file that
day (or possibly even that week). I work to get your case filed as quickly as possible and then
to submitted the case to the Judge right after the waiting period ends. Beyond that, there isn't
much I can do to ensure your case is finalized by a certain date. For the record, all three of
the clients who requested a guaranteed final-by date had their case finalized on the first
possible day anyway.
Getting your uncontested divorce started is easy. You essentially have three
choices in doing so - submit your case online, make an appointment to meet with me, or download
an intake packet. Whichever method you choose, your uncontested divorce will be handled quickly
and professionally - same quality and same speed of completion no matter how you choose to
proceed. If you've had enough question-and-answer and you're ready to get started, please head
over to the Getting Starting page for a
rundown of the process and the options available to initiate your case.
No. I have handled cases for clients that live all around Missouri. I have
completed divorces for clients in Cape Girardeau, Kansas City, Springfield, Columbia, and
Sikeston, just to name a few. In many of these cases, where my clients are located far away, we
never met face-to-face. In fact, for a good number of my uncontested divorce cases, I am able to
complete the entire process without my client ever needing to come into my office or even have a
face-to-face meeting. We have been able to complete their entire divorce through email, phone,
and mail. In almost all uncontested cases, a court appearance will not be required by you or
your spouse.
Possibly, but not necessarily. Missouri law permits a divorce to be filed in any
court in the state, provided at least one party is a resident of Missouri for the last 90-days
and neither party objects to filing in a court that is not in their county of residence. Filing
cases in a limited number of courts, regardless of where the parties live in Missouri, allows me
to move the cases quickly and keep my fees lower. If you are an out-of-area client, we will
discuss the pros and cons of filing in a court that may not be in your county prior to
representation commencing.
Besides follow the Settlement Agreement and Parenting Plan (if children
involved), nothing, really. You'll tie up the loose ends as per the settlement, including
refinancing jointly titled debts and removing the non-taking party from the assets he or she
will no longer own. Spouses that choose to restore their former or maiden name will do that with
the Social Security Office after the dissolution is final as well.
Sure, give it a shot, but know what you're getting into it. Do-it-yourself
divorces require a lot more work from the litigant, of course - you'll need to complete the
rather large Missouri Bar pro se divorce paperwork packet, attend a Pro Se Litigant Awareness
Program, and attend at least one court appearance to explain your case to the Judge and request
a Judgment be entered. This is generally not an easy process, and the complexities lead some
people to abandon the case, forfeiting their filing fee and wasting their time.
You should beware of the "$29.95 (or whatever the price, usually ending in .95 or
.99) divorce forms" you can find all over the internet. You'll download forms from some form
preparation site, maybe in Guam or Jamaica or some other location that will probably change
three months later or disappear all together. Visit a few of them and see for yourself - lots of
money back guarantee signs, lots of pictures of happy spouses working blissfully through the
paperwork, and a few testimonials, maybe real, maybe not, telling you what a great service it
is. Undoubtedly, you'll have no real person at the company (term used loosely) to contact when
things get confusing or go wrong and you certainly won't have an attorney by your side to make
sure problems are ironed out quickly (or better yet, that there are no problems in the first
place). You may find yourself spending many hours filing out these forms which, by the way, may
not even turn out to work or at least not as you expected them to (i.e., Missouri courts will
require the Missouri Bar pro se forms and will reject other forms).
The issues that should be addressed in a divorce are not always intuitive, and
working your case through the divorce courts certainly isn't. Do you know how to set a case for
an uncontested hearing? Do you know the essential elements that must be testified to under oath
in order for a Judge to grant your dissolution? Probably not, nor should you. I have no idea
what to do when my car transmission starts to slip, or when I start having chest pains after a
few weeks of working way too much. I go to mechanics and doctors. You know what you're doing at
your job, we attorneys, generally speaking, know what we're doing at our job.
Take a look at the Dare to Compare
page for a more detailed discussion on pro se divorce forms.
No, likely not. Keeping you out of court is of mutual benefit to you and me. You
don't want to take off work, travel to court, pay for parking, find your division, and then sit
through a hearing and I don't want to either. Time I spend waiting through dockets is time I can
better spend in my office, producing high quality pleadings and answering questions and concerns
from my clients. For this reason, I submit all of my uncontested divorce cases on affidavits.
These affidavits replace your in-court testimony, and can be used by the court to make the
findings necessary to enter a dissolution judgment. If, by off-chance your case requires an
in-court appearance by you and your attorney, this will likely be recognized early on, due to
some nuance or unique detail of your case, and we'll be able to fully discuss what goes into
this.
The easiest way to break this down is by dividing the pleadings into two
categories - pleadings necessary to get the case filed with the court, and the pleadings
necessary to finalize the divorce after the waiting period ends. The first set of pleadings, the
ones required to be filed in order to get the case started, include the Petition for Dissolution
(basically a document laying out certain factual requirements and also telling the court you
want a divorce), a Statement of Property and Debt, and a Statement of Income and Expense. These
are the documents that in a traditional divorce case would be served on the Respondent (your
spouse). For an uncontested case, we can avoid that hassle and forgo the expense (and
embarrassment for your spouse) of service of process. Instead, the Respondent simply files an
Entry of Appearance and Waiver of Service. This single document allows us to proceed without
your spouse being personally served by a sheriff or a process server. Once that first set of
paperwork is filed with the court, the mandatory 30-day waiting period begins. At the conclusion
of the waiting period, I appear in court, pull your file, and present it to the Judge along with
the second set of pleadings, which is made up of the Judgment of Dissolution, Affidavits for
Judgment, Marital Settlement Agreement, and, if children are involved, a Parenting Plan. The
Marital Settlement Agreement controls the distribution of property and debt and the Parenting
Plan lays out the agreed upon child custody and support obligations; the Judgment of Dissolution
incorporates those documents (which will be referenced in the Judgment as Exhibits) into the
divorce decree, making the terms and obligations of those documents enforceable in court
(assuming, of course, that the Judge found the parties' agreements and pleadings legally
sufficient and acceptable).
The main difference between a legal separation and a divorce is that at the end
of a legal separation case, you are not divorced, you are, naturally, legally separated. Parties
often opt to proceed with a legal separation due to insurance purposes or a true belief that
their marriage is not irretrievably broken and they want to give life separated from their
spouse a try. If the couple reconciles, the legal separation can be dismissed and the marriage
remains intact. Alternatively, if the parties decide to convert the legal separation to a
dissolution, that is a quick process that can be done at minimal cost. The paperwork prepared in
a legal separation case is so similar to that of a divorce case, that the fee you are quoted for
an uncontested divorce will be the same fee you are quoted for a legal separation case.
Besides the honest belief that the marriage could be preserved, there are other
reasons to pursue a legal separation over a divorce. By far, the most prevalent reasoning for
pursing a legal separation over a divorce, is the likely potential ability for a legally
separated spouse being able to stay on their spouse's insurance (whereas with a divorce, an
ex-spouse will almost certainly be removed from their ex-spouse's insurance coverage).
Let's say you and your spouse agree to the uncontested divorce. You hire me, I
draft the paperwork, we get signatures, and file the case. Now you and your spouse want to give
it another shot and you inquire about getting some of your payment back. If your case has been
filed, this represents that all of the documentation needed to start and finish your divorce has
been drafted, signed, and the case is ready to finalize upon the tolling of the mandatory
waiting period. At this point in the process, the fee previously paid has been earned by your
attorney and there is no refund to be had. If you stop the case prior to your attorney drafting
your paperwork, you may be entitled to a partial refund of your payment (if I truly have not done any work, you'll receive an in-full refund), pursuant to the
representation agreement entered into between you and your attorney. The more common refund
request is when the spouse no longer agrees to proceed with an uncontested divorce. I tell
clients straight up - if you do not know that your spouse will sign the uncontested divorce
paperwork that accurately reflects the agreement you think you have with your spouse, then do
not waste your money on me. Once the paperwork is completed, I have earned the payment you have
made. If you wish to proceed with a contested case, then it will be time to move on to another attorney. If you are in the St. Louis area, I highly recommend an attorney named Jonathan Marks.
Yes, a divorce with a missing spouse is still, in many ways, uncontested. In this
situation, it's not because both parties agree not to contest any issues, it's simply because
one spouse probably won't be involved in the case at all. When one spouse is missing, service of
process is obtained by placing an ad in the newspaper in the county the divorce is filed,
basically giving notice of the pending suit. Theoretically, the party could see the ad placed in
an obscure legal newspaper (a newspaper most have never heard of - the St. Louis Countian, for
example), but those chances are slim and, to-date, has never occurred in the many
divorce-by-publication cases I've handled.
Using publication to serve your spouse in a divorce case is not preferred. For
one, you can't get much done besides a change in status - from married to single. A divorce
using service by publication does not allow for the division of assets or waiver of maintenance
or support payments. In other words, we may be able to get you legally divorced with this method
of service, but that's all we'll be doing... in the future, if and when your spouse finds out
that you obtained a divorce by publication they will likely be angry and on their way to an
attorney to figure out how they can get their rightful share of marital assets. In this
situation, you'll find yourself in court, a single person, sure, but also an individual that is
now defending the post-dissolution division of assets that should have been addressed in the
divorce itself. If it is discovered that your use of service by publication in the original
dissolution action was done simply to avoid dealing with your spouse getting his or her rightful
share of the marital assets, the court understandably may not view you in quite as a favorable
light as it would had you proceeded with your original case in a less deceitful way.
Specifically, since you would have previously sworn under oath that your spouse could not be
located, your future testimony (in front of the same Judge you previously testified in front of)
may be considered less trustworthy. For a divorce by publication, a court appearance will be
required by the client.
Clients ask this all of the time, almost as if they suspect my request for this
information amounts to me just being nosy. It doesn't, of course. In order to file your case, I
have to fill out Income and Expense Statements and Property and Debt Statements. These statements
are required to be filed with the client's Petition for Dissolution. There is no way around this
requirement, so the information simply has to be provided.
No, sorry. I wish it could, as it would allow me to complete cases quicker, but
it can't be. I suppose it's called a mandatory waiting period for a reason.
Waiting periods are often called cooling off periods and are exactly as they
sound - they are legally mandated lapses in time designed to preserve the family. In other
words, they prevent you from getting in a fight on Tuesday night and hiring an attorney to get
you divorced on Wednesday. Occasionally you will hear about a group attempting to extend the
waiting period with the thought that it will help prevent some couples from going through with
their divorce once they've had some extra time to think it through. I'm not so sure about that,
and I hope Missouri retains its relatively short 30-day waiting period.
Call or email me. I scan in every client's final documentation and can provide a
secure link to your final paperwork a year from now, two years from now, three years from now,
whenever. Simply email me, give me your name at the time of the dissolution case, verify you
were my client by answering a question or two that relate to your case, and you'll be emailed a
secured link to your documents in no time. You will receive a PDF copy of your final paperwork
in your email inbox upon the case being finalized, as well as a hard copy in the mail. If you
need a new certified copy of your paperwork, that can be purchased at the circuit clerk's
office.
My office is in Sunset Hills, in one of those office buildings you can see from
Highway 44 right around the Lindbergh exit. If you're familiar with where the old Viking
Conference Center was at Lindbergh and Watson, my office is behind that and a
little to the west. The address is 10805 Sunset Office Drive, Sunset Hills, Missouri 63127. I'm
on the third floor, suite 300. Please note that all meetings are by appointment only and, honestly, a consultation regarding an uncontested divorce can be handled just as well over the phone or through email, since with an uncontested divorce, we would not really be discussing the facts of your case and how the law applies to those facts, we would just be discussing my service and the process in general.
I did, and I hope it helped answer your questions about uncontested
divorce.
2019 Update While I still did a majority of the coding on the
website, I now employ a talented graphic designer named Erick Flores (by way of Mexico City,
Mexico), as well as a front-end web developer named Jesus Azocar (from La Victoria,
Venezuela).
The first, first step is making sure you have an uncontested divorce. Ideally you
and your spouse have read through the Uncontested Divorce Checklists and you both agree that an
uncontested divorce with Linnenbringer Law is the way to go. You both understand the role of me,
the attorney, as well as the positives (fast, much more affordable, easier) and possible
negatives (no attorneys looking for hidden assets, advising you as to the disposition of your
property, or how much, if any, maintenance should be paid) of choosing to proceed with an
uncontested divorce.
Once you have determined that an uncontested divorce is a good way for you and
your spouse to peacefully and quickly resolve your marriage, you'll move on to the first step
that involves me. Representation on your uncontested divorce begins when I have two things,
information and payment. The information can be relayed to me in three ways, which can be
explored in detail in the Getting Starting section of the Linnenbringer Law homepage. The gist,
however, is that you'll get this information to me in either a face-to-face interview, through
an intake packet (download link) which you will need to fill out and return to me via email,
fax, mail, or hand-delivery, or through my online uncontested divorce submission. If you get
started through the online system, payment will be made at the end of the form. If submitting
your information through an intake packet, you will receive a price quote which, once accepted,
can be paid online, in-person, over the phone, or through the mail. When it comes to getting
started and making payment, the choice really comes down to whatever is most convenient for the
client.
For a more comprehensive look at starting your uncontested divorce with Linnenbringer Law,
please head over to the Getting Started
page.
Now you wait, but just for a little bit. I can get most of my uncontested divorce
paperwork out to the client (who then shares it with their spouse) for review within two to
three days. If I have a lot of court appearances in a certain week, or a number of appointments,
that can delay things a day or two, but, generally speaking, the rough draft pleadings are in
your inbox, ready for review, in just a couple of days. After you and your spouse review the
pleadings carefully, you will provide feedback as to what needs to be revised, corrected, added,
etc. I'd say for 80% of my cases, the pleadings are good to go on the first try. If not, the
requested revisions are made, always in 24 hours or less, and new drafts are sent to you for
review. Once we have mutually acceptable drafts, we can proceed to getting everything signed.
In order to file your case, we need signed originals of the pleadings I have prepared for your
case. You have three options, basically, for how this step gets completed: First, I can email
you everything to print and sign. I've come up with a nice system to make the required signings
as clear as possible. With my method and the easy-to-follow, clear and detailed instructions I
provide, it is rare that the paperwork is not returned to me perfectly signed and notarized. You
and your spouse follow the signing instructions, have signatures notarized where applicable and
instructed, and mail or hand-deliver everything back to my office. Your second option is for the
client to can come in to the office sign their portion of the paperwork, and then take the
pleadings to their spouse for signature. Much like the first option, the instructions and method
I have developed to get this done works to reduce the chance that the paperwork is signed
incorrectly. You facilitate getting your spouse's signature (again, with a notary public
witnessing those signatures where applicable), and then you bring the paperwork back to me, at
which point I take it from there. Finally, your third option is to both sign at my office (by
appointment only). Spouses can come together or separate, it does not matter to me. If both
parties sign at my office, I can provide notary services for both parties.
Once I have signed paperwork and the filing fee, your part is pretty much done
and I take it from there. I prepare the coversheets for your case, organize it for filing, and
then drive it up to the court. The day I drop it off with the filing window clerk is the date
the case is considered filed. The following day is the first day of the mandatory 30 day waiting
period. Once the 30-days is up, I appear in court, pull your file, and present it to the Judge.
I can only get your final paperwork in front of the Judge as soon as I can, the
rest is out of my control. Once your paperwork is on the Judge's desk, it's up to the Judge how
long it takes to address your file. Judges go out of town, they conduct trials, and are
generally just busy. So, please don't be surprised if you don't hear from me on day 31, 32, or
even 33. Don't get me wrong, I have had plenty of cases get finalized on the 31st day, but it's
certainly no guarantee. I'll do my job as quickly as I can, and then, just like you, I'll be
waiting for word that your file has been addressed by the Judge. It is also worth noting, that
often times I will get word of the divorce being final a few days after the Judge has signed and
the case is final.
2019 Update This should actually be a 2015 update, but, hey, having
two children since that time has slowed down the website revisions a bit. Either way, while it
remains the objective to have my client's uncontested divorce submitted to the Judge as quickly
as possible, there is no longer a desk, nor a physical file, nor much of any control as to how
quickly the Judge signs off on the now electronically submitted Judgment. The most I can do
(which I do quite often) is to keep an eye on cases that start to linger in the electronic
abyss, and then go up to court and harass the clerk about it. This does actually work, but
nothing will ever be as quick as the old days with the physical files.
For parties without children, without maintenance obligations, and without any
jointly titled assets or debts, there isn't a lot to do once the divorce is final and complete.
For parties with children, they will start following the terms of the Parenting Plan, including
the custody exchange schedule and child support obligations. Title work and refinancing will
occur post-dissolution as well, if not taken care of already, as the parties will want to have
their ex-spouse removed from any jointly titled assets or debts that they are taking
post-dissolution. For sure, it is important, and easier on everyone, if the parties can maintain
the ability to contact one another and work cordially together until all post-dissolution
matters are taken care of. Something as simple as having a quit-claim deed signed can become a
real problem if the other party disappears or all of the sudden decides they shouldn't abide by
the terms they agreed upon in the marital settlement agreement.
Marital property, in the most general terms, is property, assets, debt, etc that
you acquired since the date of the marriage. People come in to the office all of the time and
say things like, "the house is mine, I owned it prior to marriage and I'm the only one on the
title." I will follow up first and ask, "you owned it outright prior to marriage? In other
words, you had it completely paid-off prior to the day you and your spouse married?" Almost
without exception, the client's answer is, "No." "Okay then," I respond, "then every payment
you've made towards that asset and towards paying down the mortgage and creating equity, unless
paid from a non-marital account, has been a marital payment and has created marital
ownership/equity in the home. Further, how the property is titled is generally inconsequential.
You'll need to figure out the marital equity in the home and prepare to divide it in the
divorce." No one likes to hear this, of course, but it's true and can reduce the likelihood that
the client's post-dissolution expectations are unreasonable. There is certain property acquired
during the marriage that is considered non-marital, however, like property acquired by gift, or
through inheritance, for instance.
I suggest to clients that they provide as much detail as possible, as a more
detailed plan reduces ambiguities and the potential for future disputes. I am always trying to
make sure that the settlements and parenting plans that I draft are of very high quality, which
to me means that they leave no room for interpretation, questions, and/or disputes after your
case is final. I have refined my pleadings in a way to reduce, if not eliminate (to the extent
possible), the "what if this happens" post-dissolution issues.
No, Missouri courts do not require an exact 50-50 split. Missouri requires an
equitable division of marital property. Equitable does not necessarily mean equal. In fact,
there are certainly circumstances, such as situations where one party has committed marital
waste, that would possibly make an equal 50-50 split inequitable. For instance, if Husband and
Wife have $100,000 in assets to divide, and in the last year Husband blew $50,000 gambling, you
could certainly argue that Wife receiving more than half of the remaining marital assets in
order to offset Husband's marital waste would be appropriate and equitable. In uncontested
cases, the courts, in my experience, generally assume that the agreement presented is equitable,
which is why each party has signed off on it. The court is there to resolve disputes, not cause
them, and will generally prefer not to jump in and break up an agreement that has been reached
between the parties.
How your assets and debts are titled is not dispositive as to whether or not the
asset or debt is considered a marital piece of property (or debt). For instance - let's say
Soon-To-Be-Wife buys a car on December 31, 2013 - she pays $10,000 cash from money she earned
prior to the marriage and takes out a car loan for the balance of $10,000. Soon-To-Be-Wife
becomes Wife when she and Husband marry on January 1, 2014. Wife now has a car, titled in her
sole name, with $10,000 in non-marital, separate equity. After marriage, Wife's monthly car loan
payments (assuming the payments are made with marital funds) would be considered marital
contributions towards the outright ownership of the car. So, while the car may be titled in her
sole name and a portion of the car's value would likely be considered Wife's separate property
(due to the pre-marital $10,000 down payment) and not subject to division, Husband nonetheless
acquired marital rights in the equity accrued as the couple paid off the car loan during the
course of the marriage. While not controlling as to the marital vs. non-marital distinction,
assets and loans that are not jointly titled are generally easier to deal with post-dissolution,
as the parties won't need to take the steps necessary to remove the non-taking party's name off
of these titles nor refinance loans to remove a party's name from the obligation.
Kind of. A divorce will not, in and of itself, modify who is on the title of your
home or who is on the mortgage secured by the home. The divorce will, or should, if drafted by a
competent attorney, have provisions in the settlement agreement that dictate what the parties
should do post-dissolution in order to tie up these loose ends. For example, let's say you have
a jointly-titled home where both parties are on the mortgage - the most common situation for
married couples. The parties agree Wife shall take the home in the divorce. What needs to happen
then? Wife needs to refinance the mortgage in order to remove Husband's name from the note, as
Husband should not be financially on the hook for an asset he no longer owns pursuant to the
settlement agreement and post-dissolution distribution of property. Concurrently with this
refinance, Husband would execute a quit-claim deed in order to remove his name from the title of
the home. Once these two steps are completed, you can see the clean split - Wife is the only one
on the title, and she is also the only one on the mortgage that is secured by her home. Note
that when cash buyouts are to be paid (used when equity exists in the home that the parties want
to divide without selling the asset), this cash can sometimes be drawn out at the time of
refinance.
Maintenance payments are post-dissolution spousal support payments. In the past,
these spousal support payments were known as alimony. Maintenance can be modifiable or
non-modifiable. The distinction between these two types is exactly as it sounds - one can be
changed by the court at a later date, the other can't. So, for example, if Wife agrees to pay
Husband a monthly sum of $500 in non-modifiable maintenance for a period of three years, that is
exactly what Wife will/has to do, provided the maintenance obligation does not terminate by law
(i.e., the remarriage of the spouse receiving maintenance), or by some agreed-upon occurrence
(i.e., if, for example, the parties agree the maintenance obligation will terminate upon Husband
getting a job making $60,000 or more per year).
On the other hand, if the maintenance obligation is modifiable, then either party
can, with a motion to modify, change the maintenance obligation. Of course, they can't file (or
at least be successful on) a motion to modify unless they can prove that the modification is
legally warranted, given the current situation of the parties. In legal terms, the person
requesting the modification will have to show a continuing and substantial change. In other
words, the person filing the motion to modify must show that, since the date of the original
judgment, things have changed so much that the terms of the original judgment are now
unreasonable. For example, let's say Husband, an professional trumpet player, is ordered to pay
$1,500 per month in modifiable maintenance for an indefinite period of time. Five years after
that Judgment is entered, Husband loses all of his fingers in a bear trap. No longer able to
play trumpet, Husband's income plummets. Husband could then file, but probably not type up
himself, a motion to modify the maintenance obligation. His motion to modify would be based on
the continuing, substantial change that he is no longer able to practice his craft and earn the
income the original maintenance order was based off of.
How a maintenance obligation terminates can be decided by the parties. They can
agree that maintenance shall terminate on a certain date, after a duration of time, or upon a
specific event occurring in the future. Alternatively, maintenance can also be of an indefinite
duration. Maintenance that is of an indefinite duration will be modifiable, meaning that either
party can file a motion to change the obligation if circumstances dictate.
No. As you can imagine, most cases present a situation where one spouse makes
more than the other, if only by a small amount. This single fact does not mean one party has to
pay maintenance. In fact, even when a situation may generally call for maintenance, there is
nothing preventing a party from waiving maintenance anyway. In other words, even if one party
would get a maintenance award if it were the Judge deciding the post-dissolution obligations
(like after a trial), that does not mean that the party cannot waive maintenance in an
uncontested case. I see this quite often, actually. Some parties do not want to rely on their
ex-spouse for maintenance, or they simply don't agree with the concept of alimony.
In an uncontested divorce, the parties come into the representation with an
agreement on all factors of the divorce, so, technically, maintenance is calculated however the
parties chose as they came up with their final agreement. In contested cases, however, the
determination of maintenance, otherwise known as alimony or spousal support, will depend on a
number of factors. There are a number of different types of maintenance and many factors that go
into whether a maintenance order is appropriate and, if it is, how much and how long it should
be for. For example, a few common factors courts will consider, regardless of the particular
state, are the income of each party, the financial needs of each party, each party's present and
future earning capacity, the standard of living during the marriage, the duration of the
marriage, and contributions of the party requesting maintenance to the education, career, and
home of the other party, just to name a few. Contrary to what many people seem to believe, there
is no minimum length of marriage that is required before a court can order maintenance.
First, make sure your maintenance obligation is modifiable. If it is an
unmodifiable maintenance obligation, you need to figure out how to pay the court order,
regardless of your employment status. If the maintenance obligation is modifiable, then the
now-unemployed-party could file a motion to modify. As explained above, the paying spouse would
file a motion to modify the maintenance obligation based on the continuing and substantial
change that he or she is now unemployed and makes much less money. Whether that change is
considered "continuing," may depend on the spouse's employability, whether other similarly
paying jobs are available, etc.
Outdated information alert - see the 2019 update, below. Maintenance is
taxable income for the party receiving it, and a tax deduction for the party paying maintenance.
If Wife is under an order to pay Husband a sum of $1,000 per month in maintenance, at the end of
the year, Husband will have to pay taxes on the $12,000 of maintenance he received that year
(assuming the obligation spanned the entire year). Conversely, Wife will be able to write off
the maintenance payments that she paid out, which will lower her total taxable income by
$12,000. The tax consequences of a maintenance obligation should be considered when negotiating
a final disposition to cases in which maintenance is appropriate.
2019 Update For Judgments entered on or before December 31, 2018,
the above information is still applicable. Starting January 1, 2019, the classification of
maintenance for tax purposes will be subject to the reforms found in the Tax Cuts and Jobs Act.
Simply put, maintenance obligations will no longer have any effect on the taxes of either the
paying party or receiving party. Maintenance payments made will not be a tax deduction for the
paying party, and maintenance payments received will not be taxable income for the receiving
party.
No, nor can the uncontested divorce lawyer tell you whether or not maintenance
should be paid in your case. Both issues go beyond the scope of representation provided by your
attorney in an uncontested divorce.
Maintenance, to me, is the most difficult element of an uncontested divorce to provide helpful
guidance on. It's also quite rare that I'm asked to do so, as only about 5% of the uncontested
divorces I handle have a maintenance obligation. Of course, this statistic provides you, the
reader, with no indication as to whether or not your situation is one where a maintenance
obligation is appropriate.
If the spouses are able to agree that maintenance should be paid, their next step is to
determine the amount of the monthly maintenance payment and the duration of the obligation. In
other words, how much is paid and for how long is it paid. There are no charts, like you have
with child support, so this calculation has to be done by the parties.
I suggest your plan be as detailed as possible, as a more detailed plan reduces
ambiguities and potential for future disputes. I always try to make sure that the settlements
and parenting plans that I draft are of high quality, leaving no room for interpretation and
reducing the likelihood of disputes after your case is final. I have refined my pleadings in a
way to reduce and eliminate (to the extent possible), the "what if this happens" questions that
can pop up post-dissolution.
Yes, probably. I have plenty of clients who agree with their spouse that no child
support shall be paid by either party. The court will want to see some provisions to ensure that
the child's needs are accounted for, of course, as the court must always do what is in the best
interests of the children. But if the parties agree that they'll split certain expenses, and the
parties' incomes are similar, and each party has equal time with the children, you can certainly
see why child support, in a traditional sense, would not be necessary.
The court must enter orders that are found to be in the best interests of the
children. In an uncontested case, the court generally gives great deference to the arrangements
made by and agreed upon by the parties. If, however, upon review of the joint parenting plan,
the court has serious concerns or questions as to whether the plan agreed upon by the parties -
especially in cases where the visitation schedule is extremely lopsided - the Judge may require
the parties to appear in court and testify as to why the particular plan agreed upon is in the
best interest of the children. For example, if a visitation schedule gives one party extremely
limited access to the children, it will probably be necessary to include the reasons for those
limitations in the parenting plan or, alternatively, possibly even give testimony during a short
court hearing as to why the plan, while unconventional and perhaps uneven, is still in the best
interests of the children. I will give you notice if I believe that your particular visitation
schedule or parenting plan may cause issues.
In the simplest terms, legal custody has to do with decision making. If parents
share joint legal custody, they will share in the decision making surrounding the upbringing of
the child. If a parent with joint legal custody wants to change the child's religion, or where
the child goes to school, or even who they use for the child's dentist, that parent needs to
confer with the other parent when making that decision. If parents with joint legal custody
cannot agree on an issue in which they both have a say, you can guess where they end up - in
court, with each party trying to prove why their particular viewpoint is in the best interests
of the child. There is a presumption that it is in the best interest of the child that both
parents are involved in the decision making involved in the upbringing of a child. That being
the case, if you are seeking sole legal custody - even in an uncontested case where your spouse
consents to your belief that sole legal custody is best for your child - you will need to
provide a reason for sole legal custody being appropriate. Indeed, the parenting plan for St.
Louis County, for example, specifically requires that the parties complete the sentence, "Mother
and Father cannot share joint legal custody because:" in situations where the parties are
requesting sole legal custody. As you can imagine, the reasoning you would fill in there is not
generally very complimentary to the other party.
Physical custody, naturally, refers to where the child is physically present.
People often call and say they've spoken with their spouse and they agree that Mother shall be
"primary parent," or have "primary custody." This doesn't exist in Missouri. There is no
"primary" parent or main parent, or special parent, or any other terminology that puts one
parent above the other in a joint physical custody situation. There is a residential parent, but
that refers only to which parent's address will be used for school and mailing purposes. So, if
the parents have joint physical custody with Mother as residential parent, this would mean that
the parents share equal physical custodial rights, and Mom's address will be used to determine
what school district the children reside in. It should also be noted that just because parties
share joint physical custody, that does not necessarily mean they have equal custodial time with
the children. Parties can elect to have joint physical custody even where one party has more
overnights than the other.
Legal jargon aside and straight to the point, a great majority of situations that
I come across, keeping in mind that these cases are uncontested, where the parties are
communicating and cooperating with each other, call for joint physical custody and joint legal
custody. Unless there is an articulable reason that one party cannot be involved in the decision
making surrounding the child, I will generally steer clients towards joint legal custody.
Generally speaking, child support is determined by the parties in an uncontested
case. The parties can agree to a few different child support arrangements, however. Some
parties, usually due to an equal custody arrangement and/or their similar incomes, opt to not
have any child support paid by either party. In these situations, the parties may agree that no
cash payments will be made by either party to either party for the support of the children, but
will usually also agree that certain expenses - the cost of participating in sports and
extracurricular activities, school books, orthodontic work, etc. - be split equally between the
parents. Other parties may choose to follow the Missouri Form 14 state-determined child support
amount. You see, your state legislature periodically reviews and determines how much a parent's
child support obligation should be based on the income of each party and a number of other
factors, including who is covering certain expenses, like schooling, insurance coverage, or
daycare, to name a few. In contested cases, you will often find parties end up using the
State-determined child support amount. Searching for Form 14 calculator in Google will provide
numerous calculators you can use to see what your child support obligation would be, but keep in
mind some of these calculators could be out-of-date. The last option for parties determining
what the child support amount should be is to simply agree on a number. That number may seem
arbitrary to 3rd parties, but that is generally okay. So long as the figure agreed-upon by your
and your spouse is reasonable, provides for and is in the best interest of the children, it
should be no problem getting that child support agreement approved by the court.
Uncontested divorces are "easier" cases for attorneys to handle. I'm not having
to deal with opposing counsel, there are no discovery motions filed, missing spouses don't need
to be tracked down, and there are no lengthy court appearances required. I take the information
you provide me with and prepare high quality divorce pleadings. From there, I file the case and
take all the steps necessary to expediently move your divorce through the courts. That is not to
say I simply prepare paperwork and move on, as I will also evaluate the agreement in terms of
practicality and make sure everything necessary is addressed in your settlement agreement and/or
parenting plan. I will not, however, evaluate your agreement as to fairness. I am not here to
decide on the distribution of your property and debt or settle your arguments - that is your
responsibility in an uncontested divorce case. I will not advise either party as to whether
their agreed upon distribution is fair to them. This requires a legal determination, which, in
order to keep the process fair for both the represented party and the unrepresented party, I
cannot make for you.
Absolutely not. An attorney can only represent one party in a divorce.
Representing both parties presents an unavoidable and non-waivable conflict of interest. That
being said, the representation I provide to the Petitioner is of limited scope, so I am not
providing insight or advice as to how the client can "win" the divorce or pull one over on the
unrepresented party. That would be not only unethical, but unfair. It is in my best interest, in
a business sense, to be fundamentally fair and to turn down representation where I believe the
Petitioner, my client, is trying to take advantage of their spouse's trust. So, while I do
communicate primarily with my client, and I do file the case on the Petitioner's behalf, my
legal representation is limited to preparing and filing the pleadings required to facilitate the
uncontested divorce, which are drafted along the lines agreed upon by the parties prior to
commencing with my service.
That's your call, of course, but I will say that I have had many, many clients
who come to me for an uncontested divorce after they and their spouse tried, and gave up,
handling the divorce themselves. Once you've completed the hundred some odd pages of pro se
paperwork required to file the divorce, you still need to navigate the case through the courts,
attend a Pro Se Litigant Awareness Program, and attend at least one court appearance to present
the case to the Judge. This is generally not an intuitive or easy process, and the complexities
lead some people to abandon the case, forfeiting their filing fee and wasting their time.
Head on over to the portion of this site dedicated to my background, education
and experience: St. Louis Uncontested Divorce Lawyer, Gerald W. Linnenbringer.
The cost of your uncontested divorce consists of attorney fees and a filing fee.
Keep in mind, this is the expense of the divorce only. There are post-dissolution expenses that
may or may not apply to your case (QDROs for the division of qualified retirement accounts, deed
work to re-title real estate, etc.). For a majority of the uncontested divorce cases that I
handle the filing fee will be $150. Your attorney fee will vary depending on whether children
are involved and/or there are large amounts of assets to divide, but generally falls in the $750
to $1,200 range. This is not a retainer and you will not pay anything more than the initial
price you are quoted, regardless of work required to make sure your pleadings meet the
specifications of both parties. You will know exactly how much your uncontested divorce will
cost, down to the dollar, prior to hiring me.
You can pay pretty much however you prefer. Cash, check, money order, cashier's
check, credit card, debit card, whatever works best for you. Payment can be made over the phone,
online, through the mail, or you're welcomed to stop by the office and make payment in person
(by appointment only).
Very little. If your uncontested case is of the traditional type - i.e., both
spouses are around, on the same page, and ready, willing, and able to sign the paperwork I
prepare to facilitate the divorce, then the filing fee/court costs will be your only other
expense. If your uncontested case is uncontested because your spouse simply cannot be located,
your case will involve publication fees (for service in the newspaper) and a default hearing fee
(required whenever a Respondent (your spouse) does not respond to the service of process).
Besides that, the only other possible expense would be the expense of drafting a Qualified
Domestic Relations Order (QDRO). A QDRO will be required in the event we are dividing a 401(k),
pension, or some other qualified investment/retirement account. These QDRO fees are quoted on a
case-to-case basis, as some QDROs require more time than others.
Keep in mind, you're
under no obligation to use me to draft your QDRO simply because I handled the uncontested
divorce. In fact, I've been hired to prepare QDROs for cases in which I did not handle the
divorce, and I've had clients who did use my services for their divorce go on to hire a
different attorney to handle their QDRO (usually at my suggestion, and generally for less
routine QDROs that require more expertise in that particular pension, policy, or plan).
Nothing, at least as far as the attorney fee is concerned, as a name restoration
is as simple as inserting one line in the Judgment for Dissolution. There may be some nominal
expenses incurred with the Social Security Office, or through the various agencies you will need
to update after the name change (Department of Revenue, for example, for your driver's license).
Keep in mind, you may only restore a former name or a maiden name in a dissolution case - no
completely new names... one would need to file a Petition for Name Change for a wholesale name
change.
The office policy here is, generally speaking, that payment of the attorney fee
is due upfront. However, in cases where a client's financial circumstances require it, I am
willing to discuss payment plans. I am easy to work with and quite understanding when it comes
to the financial difficulties that can accompany the change in life that divorce brings. I will
file your case and proceed as if you are paid-in-full, even if you're on a payment plan;
however, I will not finalize a case where the client has an outstanding balance with my office.
First, you will need to determine what the plan will be for your real estate. As for that plan, typically, the parties will do one of the following:
1. The home is sold and the net sales proceeds are divided by the parties in an agreed-upon proportion.
2. The home is sold and the net sales proceeds are used to pay off debt that is specifically enumerated in the agreement, with any remaining net sales proceeds to be divided by the parties in an agreed-upon proportion.
3. One spouse is awarded the home and, if applicable, pays the other spouse a cash buyout of his or her rights in the property. In this scenario, if the home is titled in both parties’ names, the non-taking party will execute a quitclaim deed at some point in order to remove his or her name from the title of the property.
Once you have an agreement as to the plan, you should make sure that the plan is possible. The Settlement Agreement entered into by the spouses will dictate what each spouse is required to do. So, for example, if Husband is awarded the home and he is required to refinance the mortgage and pay Wife a cash buyout, it would be wise to confirm that Husband’s credit rating, debt-to-income ratio, and other factors that influence one’s ability to borrow (such as a child support or maintenance obligation) will allow for him to obtain a loan for the projected amount. Put simply - you do not want to enter into a contract (and the Marital Settlement Agreement is essentially a contract between the parties) that will be impossible to fulfill.
At the conclusion of a divorce, uncontested or otherwise, there will often be some sort of party-to-party, post-dissolution financial obligations. Namely - child support and/or, more rarely, maintenance. In the context of obtaining a mortgage or refinancing a loan, the question then is, what constitutes income?
To help answer this question, I contacted my friend and go-to mortgage guy, Greg Iverson, over at Neighborhood Loans. Here is a completely made-up transcript of that conversion:
Gerald: Greg, thanks for taking time out to discuss what counts as income for purposes of obtaining a mortgage.
Greg: No problem Gerald. May I say, you look great today.
Gerald: Thanks Greg, but let’s get down to business. Can you tell me how a lender will treat post-dissolution incoming funds - namely, maintenance and child support - when determining whether an individual is qualified for a certain loan amount?
Greg: Great question, I’ll discuss maintenance first. Maintenance was once treated as taxable income for the party receiving the spousal support payments, and a tax write-off for the party paying maintenance. However, the Tax Cuts and Jobs Act of 2017 came along and changed all of that. As a result of the TCJA, maintenance would no longer be considered income for the receiving party or a tax write-off for the paying party.
Gerald: Don’t remind me. It isn’t very fair to the party paying maintenance and it reduces the flexibility attorneys and their clients have in figuring out post-dissolution financial arrangements that make sense for both parties.
Greg: Right, but on the mortgage side of things, hope is not lost, as we can potentially still treat that incoming maintenance as income. However, it important to make note that a history of receiving this income is required and it must be court-ordered. Fannie Mae / Freddie Mac require that this source of income is stable, actually received, and documented for a minimum of six months. The Federal Housing Administration (FHA) requires twelve months of documented payments. Furthermore, lenders will want to see that this maintenance obligation will result in incoming funds for a minimum of three years.
Gerald: Great information to know, thanks Greg. How about child support? Can that be used as income when attempting to qualify for a home loan?
Greg: Probably yes. Most lenders are able to count child support as income to qualify for a home loan. When it is non-taxable, oftentimes lenders are able to “gross up” that income to account for the fact that is not taxed (oftentimes by 25%). It is key here to evaluate when the children will emancipate, as the child support obligation will need to be projected to continue for a minimum of three years. For instance, if child support ends at 18 years old - which is not always the case, but for the sake of this example assume it to be applicable here - a lender will not typically be able to use incoming child support when the youngest child is 16 or 17 years old, as the child support cannot be projected to extend for the minimum three year period.
Gerald: Great stuff, thank you Greg. Tell the people where they can reach you if they are in the market for a home loan or need to refinance their current mortgage.
Greg: Sure - call me directly on my cell phone at 636-751-1068, or via email, here: Email Greg Iverson.
A quitclaim deed (often mistakenly referred to as a “quickclaim deed”, which, so far as I can tell, isn’t a thing) forfeits and releases whatever ownership interest a spouse / co-owner has in the real estate awarded to the other spouse, if any, to that spouse.
When the parties come into the uncontested divorce process with jointly-titled real estate, the Settlement Agreement typically sets forth a duty for the non-taking party to execute a quitclaim deed in favor of the taking party. In an uncontested divorce, the parties will need come to an agreement on when the quitclaim deed is to be signed and filed. I typically see one of the following three arrangements as to that timing (as a disclaimer, every case is different, you may not want to use any of these options, etc., etc.):
(1) Some parties will have the duty kick-in immediately upon the divorce being finalized.
Which would read something like this in your Marital Settlement Agreement: “Husband shall execute a quitclaim deed in favor of Wife with respect to the Home immediately upon entry of judgment of dissolution of marriage”). With this arrangement, the non-taking party is removed from the title of the Home, but there is no effect on the mortgage (i.e., there is no “quitclaiming” yourself off of a mortgage).
If both Husband and Wife are named borrowers on the mortgage, and the non-taking party isn’t comfortable being removed from the title of a property while remaining a borrower on the home loan secured by the property, then the next option might be for you.
(2) Some parties will require the quitclaim deed to be signed concurrently with the successful refinance of the mortgage.
Which would read something like this in your Marital Settlement Agreement: “Husband shall execute a quitclaim deed in favor of Wife with respect to the Home concurrently with Wife’s successful refinance of the Neighborhood Loans mortgage currently secured by the Home in order to remove Husband’s name from the liability.” With this arrangement, the non-taking party is removed from the title and the loan at the same time.
(3) Some parties will require the quitclaim deed to be signed concurrently with the payment of the cash buyout owed to the non-taking party, if applicable.
Which would read something like this in your Marital Settlement Agreement: “In exchange for the cash buyout set forth herein, Husband hereby quitclaims, releases, and forfeits to Wife any and all of the marital rights that he may have in and to the Home, as well as to the contents of the escrow account. Wife shall pay to Husband a one-time, lump-sum cash buyout in the amount of Twenty-Five Thousand Dollars and Zero Cents ($25,000.00) for Husband’s complete and total release and forfeiture of his marital rights in the Home to Wife.” With this arrangement, the non-taking party is removed from the title and the home concurrently with the receipt of the cash buyout.
Note however that if a cash buyout is being paid, it’s far more common for a refinance of the mortgage to be involved with that. And in fact, a majority of the cash buyouts that I see in my cases are directed to be paid through a cash-out refinance. With that, the borrower will increase the amount borrowed in the refinance by an amount equal to what the cash buyout amount is.
If you need to finance or have other questions regarding mortgages, email or call my friend Greg Iverson at 636-751-1068.
Yes, this is a very common scenario in which the spouse being awarded the home will do a cash-out refinance. Basically, the amount of the cash buyout is included in the new mortgage.
How about an example for clarity? Say Husband and Wife own a home worth $400,000, and that the home is subject to a mortgage with a balance owed of $100,000. The parties agree that Wife will be awarded the home and that she will pay a cash buyout equal to one-half of the equity held in the property to Husband. If the equity held in the property is $300,000, this means that Wife has to find a way to pay to Husband his one-half share of the equity, or $150,000.
Wife contacts her lender (or, if she asks me, I refer her to my friend Greg Iverson) to do a cash-out refinance. Wife will take out a loan large enough to pay off the existing mortgage (in our example, $100,000) plus an amount equal to the cash buyout that will paid to Husband (in our example, $150,000).
At the conclusion of the refinance, Husband has received his $150,000 cash buyout, and Wife owns a $400,000 home that is subject to a $250,000 mortgage (leaving Wife with, you guessed it, $150,000 in equity).
The same thing you can do if your spouse doesn't follow the Settlement Agreement
after a contested case - you can file an Order to Show Cause and Motion for Contempt. Your
Motion for Contempt will essentially lay out the terms of the Settlement Agreement which your
spouse has not followed. These contempt motions are often not quick fixes, unfortunately. For
example, let's say the Settlement Agreement called for Husband to refinance the home loan to
remove Wife's name within 12 months of the entry of judgment of dissolution of marriage. Husband
doesn't refinance, so Wife files a Show Cause Order and Motion for Contempt. In that Contempt
motion Wife requests, of course, that Husband do what he originally agreed to - refinance the
mortgage. Wife will probably also request attorney fees and court costs be reimbursed to her
because, after all, why should she be financially harmed due to the ex-spouse's failure to do
what he agreed and promised to do? My experience is that you'll generally be successful in
recouping these expenses, but how long it takes to actually collect is another question. If, in
this example, the ex-spouse continues to ignore the court order and does not refinance, he will
open himself up to court-ordered sanctions/fines and, in severe cases, even jail time.
About 30 days after you are divorced, a certified Judgment of Dissolution will
arrive. This Judgment will have a embroidered court seal and is court certified or, in other
words, "official." You'll bring the certified Judgment to the Social Security Office in order to
legally change your name. If you lose your certified copy, you can always purchase a new one
from the circuit clerk of the county in which the Judgment was entered.
For parties with jointly titled assets and debts, the finalizing of the divorce
often means the start of some substantial post-dissolution work. Most couples will choose to
refinance the jointly titled debts they have in order to remove the other party. Some, however,
explicitly declare that such refinance will not be required for some loans. For example, I have
had many cases where the parties had a car loan in both parties names, for example, which only
had a small balance remaining. Given the legwork and hassle involved in refinancing, the parties
simply state that refinance of that particular loan is not required and that once it is
satisfied and paid-in-full, the party who was not awarded the car in the divorce will sign over
title.
Mortgages are generally a different story, as unless the home is being sold, the
party who takes the home almost without question will be required by the settlement agreement to
refinance the mortgage. If that refinance does not occur, the party who does not take the home
will likely find their credit to be pretty jammed up in the event they attempt to finance a home
of their own. Generally, along with the refinance of the home loan, the party who has forfeited
their rights in the home in the settlement agreement will execute a quit-claim deed, releasing
his or her rights to the party remaining in the home, and removing his or her name from the
title of the home as well.
You should wait thirty days after the divorce is final to get remarried.