You may have heard that January is dubbed “Divorce Month.” However, while the post-holiday season may be a time when people seriously consider divorce, March, August, and September are the months when the most divorces are filed in California.

There are several reasons for this, which we discuss below. We’ll also dig into some of the most common reasons why people divorce and what marital years tend to be the most stressful, which can also lead to filing a divorce.

Spring & Fall Are California’s Divorce Seasons

While January may be a popular month for couples to seek divorce mediation or counseling, they don’t usually file until around March. This is when we see record highs for divorce filings, which also seem to surge around August and September.

Top Reasons People Get Divorced In March & August/September

Concentrated time together is a trigger, as evidenced by the pandemic years, which spanned 2020 – 2022. Divorce proceedings took place at record numbers during those years for the same reasons couples are more likely to file for a divorce during spring and late summer to early fall.

Concentrated time together brings issues to a head

People are busy, and children have never participated in so many extracurricular activities as they do now. With most households containing two working parents and busy kids, there isn’t a whole lot of concentrated family time and even less concentrated “couple time.” As a result, it’s easier for couples to shove their issues under the rug or to just feel too busy to do anything about their problems.

The holidays bring about more time off, and this downtime allows couples to experience just how strained their marriage really is. Other factors also come to a head around the holiday season, forcing the hand. 

Some of these include differences around:

• How to manage finances.
• Alcohol or recreational drug consumption (which could lead to changes in custody arrangements or supervised visitation).
• Parenting strategies.

By the time couples determine they want to proceed with the divorce, it’s March—and family law professionals refer to this as “The January Effect.”

Summertime has the same effect. As couples take time off for both vacations and staycations, the fact they feel tense, irritated, or angry with one another becomes impossible to hide. One or the other is bound to announce they want a divorce. Thus, we see the same type of January Effect, but it takes place in August and September.

It’s the start of a brand-new year

January brings the start of a new year, and many people take this opportunity to clear out the old and make new resolutions for a better life. If they’ve been struggling to make their marriage work, moving forward with a divorce may become one or the other’s New Year’s resolution. 

The Institute of Family Studies reports that before about 15 to 20 years of marriage, 25% of all married people think about getting a divorce at one time or another. Of these, about half have thought about getting a divorce for about a year, and roughly 5% say they consider their marriage 100% over – with no chance of being saved.

It’s these chronic divorce thinkers who are most likely to use a new year to catalyze moving into a legitimate separation or divorce.

A change in schools may be part of the divorce

We mentioned that all that summer break together can catalyze the August and September divorcees. But, there may be another reason that’s more linked to the kids. 

If the summertime stretch was too much for a fragile marriage to hangle, upcoming changes might mean a change in schools or districts for the kids. While this can be tricky, parents who are planning a move that would affect school zones or transportation. Filing in August or September, just at the start of a new school year, can legitimize the need for the transfer or new enrollment.

Biggest Factors That Lead To Divorce

Couples may decide to get divorced at any point in their marriage. However, certain periods of a marriage are considered “higher risk” when it comes to divorce. These include:

• The first two years of marriage.
• Years five through eight (often described as “the seven-year itch.”
• After the children grow up and move out of the house.

While there are exceptions, most divorces are caused by tensions or irreconcilable differences around:

Lack of connection or intimacy

Most couples can work through “the doldrums,” or a period of time when there’s no breeze in the relationship. One or both partners may feel neglected emotionally or physically. While this is very common during the childbearing years, it can happen at any point in a marriage. 

We highly recommend all couples considering a divorce pursue individual and couples therapy with a therapist you both like and trust. Divorce is often avoided when both people are willing to put down their armor and openly communicate. 

Fidelity (or monogamy)

This is a very challenging thing for a monogamous person to get over. Again, marriage therapy can be invaluable here. Regardless of what you decide to do, remember that adult business should always be kept separate from co-parenting business. Children fare best emotionally and mentally when parents can rise above and use healthy co-parenting practices.

Financial beliefs or practices

Money is a major subject of marital arguments. If someone is out of work or the household has financial struggles, arguments are more common. The same is true if one person spends more money than the other. 

For a marriage to survive, both partners must have shared goals for their future together. By default, this means they must be united in their financial goals/management strategies. 

Plans for the future

While this may crop up in the first ten years or so, especially if one person wants children and the other decides they don’t, differences around future plans are a common root of “gray divorces.”

Gray divorces describe a divorce in couples 50+ who have been married for decades. Typically, the above three causes are factors. However, differences in how to spend their retirement can cause significant rifts in what was formerly a seemingly solid partnership. One or the other partner may also desire to get divorced after raising the family because they never really wanted to be married – or married to their spouse – in the first place.

The reason(s) you got married

Sometimes divorces happen because one or the other partner finally acknowledges they never wanted to get married in the first place. This happens for a number of reasons. In some cases, a pregnancy is involved. For others, marriage may happen to please parents or to conform to societal norms. 

Regardless, saving a marriage founded on a false or misaligned foundation can be very challenging or impossible.

Schedule Divorce Mediation At The Law Offices of Gerard A. Falzone

As we head into the fall, we’re noticing an increase in requests for divorce mediation, which is a more neutral, less stressful, and more affordable way to pursue a divorce in California. Couples who use mediation not only save thousands (or tens of thousands) of dollars in legal fees, but they also get through the process with far less overall emotionally damaging fallout for themselves and their children.

Contact The Law Offices of Gerard A. Falzone to start learning more about divorce mediation. I’ve helped individuals and couples move smoothly and efficiently through the challenges of divorcing for more than 40 years. Let’s have a conversation and see whether I’m a good fit for your situation.

Divorce is never an easy path, but working with an experienced therapist can certainly ease the way forward into a healthy and more sustainable relational life. 

The combination of family therapy before and during a divorce, along with the skilled facilitation of a divorce mediator, can truly transform the way both parties move through the divorce proceedings.

5 Reasons To Seek Therapy Before A Divorce

People often assume that seeing a therapist before a divorce is about saving the marriage. While this may—and can—be true from time to time, most individuals or couples are sure about their decision by the time they file for divorce.

Even so, I always recommend that they visit a therapist of some kind before, during, and immediately after the proceedings. Here’s why:

Facilitate the smoothest way forward

Nobody benefits from a contentious divorce. In addition to being incredibly expensive, drawn-out divorces, which are often more about ego than they are about finding the fairest way to separate and begin a new life, are hard on everyone.

Your therapist can help you both process individual emotions – including anger, stress, betrayal, stress, etc. – while also helping you both learn to communicate respectfully and decide the best way forward with the least amount of time, energy, and money wasted.

Ensure your children have the support they need

Children are innocent bystanders in a divorce. The statistics are very clear that children whose parents are divorced are at higher risk for depression, anxiety, lack of self-esteem, and trouble in the classroom. 

Most therapists will tell you that it takes at least four sessions for most clients (of any age) to be comfortable sharing the good, the bad, and the embarrassing with them. One or two sessions are not enough to determine how your child is faring, especially if your child is more introverted by nature or is in the tween/teen phase. By continuing to see a therapist week after week, you allow your child to slowly build trust and rapport with the therapist. Over time, children will feel more comfortable sharing how they are genuinely doing, which can provide invaluable insight into how to continue moving forward as a co-parenting family (more on that next).

The ramifications of divorce last for years. While this doesn’t mean your child needs to be in therapy for years, longer is better than shorter when it comes to children feeling comfortable expressing their feelings and finding the personalized tools that help them process intense emotions as they come up.

Parents benefit from therapy too

I recommend seeing the same therapist individually and with your child (from time to time). The better the therapist gets a feel for each family member and hears their story, the better they can help your family in the long run when it comes to problem-solving and co-parenting agreements – as well as how to handle big family issues when they come up.

Establish healthy co-parenting from the start with therapy before a divorce

Even if you live in the same house during the divorce, co-parenting begins as soon as the divorce is officially in motion. Cooperative co-parenting and communication are essential to your children’s resilience and well-being. 

The research is clear that children thrive faster and with greater confidence when their divorced parents:

• Never badmouth one another to the children.
• Resist the urge to be “the better parent” and encourage their child’s relationship with the other parent.
• Adhere to the co-parenting and family agreements.
• Accept that parenting styles may be different and focus on the shared agreements instead.
• Be flexible within reason; your child custody/visitation agreement is a guide, but important and unexpected events are part of life. 
• Do your best to support your ex’s future partners so your children can feel more at home in their presence. This is not a competition.

I could go on and on, but these, as well as other tenets of good parenting and co-parenting, are all part of what your family therapist will help you iron out and uphold.

Remember, co-parenting agreements are living documents that evolve and change with the situation. Your therapist will be there for you as needed through the coming years of raising children and young adults together.

Your personal well-being 

You know the adage about “putting your oxygen mask on first” before helping someone else. The more depleted, drained, stressed, or angry you are, the harder it will be for you to take the high road during the divorce and afterward. 

Keep in mind that although “your divorce may be over,” there is far more to it than that. There is plenty to do after a divorce is finalized in terms of separating the accounts, rebuilding a home and routine, and honoring all of the things stated in the divorce agreement. In the meantime, you’ll be working through the grief associated with the end of the marriage and the family unit you’ve built together. 

By taking care of yourself and working with a trusted therapist, you’ll learn how to work through the powerful emotions that are guaranteed to arise from time to time in a functional way that doesn’t harm your children. 

The Law Offices of Gerard A. Falzone Support Mediated & Collaborative Divorce

Divorces don’t have to be the dark, contentious, and dramatic horror shows modeled for us by television and the modern media. Using divorce mediation and collaborative divorce models, the Law Offices of Gerard A. Falzone have provided safe and comfortable spaces for both parties to review the facts and where legal disputes can be discussed – and hopefully resolved – to both parties’ satisfaction. 

I can also provide referrals to some of the area’s most admired family therapists, who can partner with you further to keep everyone as emotionally whole as possible through this challenging time. Contact my office to schedule a consultation and learn more about how I can help with therapy before a divorce.

A marriage begins with the filing of a marriage license. In the sad event that you or your spouse choose to end the marriage, the legal union is dissolved via a divorce decree.

There are typically four significant stages in a couple’s divorce process. The first begins when one or both parties decide to proceed with a divorce. This usually leads to conversations ranging from very heated and tense to business-like and sad. The second and third stages include mediation with a family law facilitator or official court proceedings and filing the finalized divorce papers. 

After six months, if neither party contests the initial filing, the courts stamp the documents filed, and the divorce is finalized. Your receipt of the official divorce decree finalizes the third stage and launches you into the fourth – when you, your former spouse, and any children you have adjusted to the new life ahead

Included In The Divorce Decree

The papers you or your lawyer file to begin the court’s review of the divorce are the same ones you’ll get back with the official court stamp. Every divorce decree is different in some ways because no two couples or families are alike. 

However, the typical divorce decree includes the finalized agreements on how everything should proceed – from the closing of joint bank accounts and paying off certain debts to child visitation and support payments. Here are some of the most typical forms included in the final divorce decree packet.

Summary of dissolution & judgment of dissolution and notice of entry of judgment

The first form is the one you or your spouse fill out to file the request for a divorce. Because California is a no-fault divorce state, you’re guaranteed the divorce will be finalized six months after you file as long as all of the paperwork is 100% correct. 

This is why we always recommend working with a family law mediator – even in a no-conflict divorce. It’s the only way to know everything will be completed and filed without the risk of anything being kicked back by the court for a small error. When that happens, you have to complete and submit the forms all over again, which re-starts the clock.

NOTE: Do not panic if your spouse refuses to sign the paperwork in the 30-day time frame specified by the court. If this happens, you show up for your court date as stated by the court and the divorce, and the court will accept all agreements stated in the paperwork you completed. Your spouse cannot contest anything in the divorce agreement after waiving their right to respond in 30 days.

Spousal support (FL-167) 

Depending on your marriage’s employment history, income, and other factors, one of you may have to pay spousal support (formerly known as alimony). This is a temporary situation in most cases, barring any prenuptial agreements that state otherwise.

The courts no longer expect one spouse to support the other for any longer than necessary. So, while alimony of the past was often for a lifetime, until remarrying, or for ten years, the courts now expect the person receiving spousal support to do whatever is necessary to obtain gainful employment, at which point those payments stop.

If you have to pay alimony, you can petition the court to change or cease payments at any time if you feel your ex-spouse’s financial situation is healthy enough for them to live without your assistance.

Child custody (visitation and support)

If you have children together, you’ll file forms pertaining to child custody (visitation and relevant support). We highly recommend couples with children use divorce mediation rather than finalizing a DIY or lawyer-facilitated divorce. There are multiple benefits of using divorce and child custody mediation – the largest of which is the reduced tension and drama. 

Children suffer greatly during and after a divorce so the more you can do to make this part as smooth, fair, and amicable as possible, the better it is for your children’s mental and emotional wellbeing.

Name change

For many, a divorce may be a time they wish to change their name back to whatever it was before the marriage. This can be done as part of the divorce proceedings – finalized in the divorce decree – as long as you fill out the legal name change portion of the forms.

Final decisions and instructions regarding property and asset division

Finally, a divorce technically means some type of distribution of properties and assets. This part is fairly straightforward because California is a community property state. Things to think about when discussing “who gets what” include considerations around:

• Existing prenuptial agreements.
• Do you own your own business?
• Properties, assets, or other items of value acquired during the divorce as inheritances (which are separate from community property).
• Is one person buying out the other’s share of the house to keep it, or is the house being sold to pay off joint debts, splitting the remaining equity?
• Is it worth it to forgo a portion or all of a spouse’s retirement fund to gain a different asset or account?
• Other financial considerations that should be addressed now to simplify post-divorce life.

Finally, are there any debts or assets your spouse doesn’t know about? If so, it’s time to come clean, as the court does not favor those who hide assets during legal proceedings. You can wind up facing serious penalties. 

Make Copies Of The Divorce Decree To Finalize Post-Judgment Transactions

Once the divorce is finalized, you and your ex-spouse must complete all of the necessary transactions outlined in the divorce decree within a set amount of time. In many cases, like name changes, property/title transfers, closing/accessing accounts, etc., you must provide a certified copy of the divorce decree. You can request certified copies of a divorce decree from the county clerk’s office in the county where the divorce was finalized.

Make a checklist of the items you’re responsible for and then tick through them as soon as possible to facilitate a clean break and a fresh new start.

Gerard A. Falzone Prioritizes Divorce Mediation To Facilitate Drama-Free Divorces

There is no need for drama, chaos, or unnecessarily long (and expensive) divorce proceedings. Connect with the Law Offices of Gerard A. Falzone to learn more about how you can get your official divorce decree finalized with a minimum investment and optimum integrity.

People don’t always realize that military divorces are somewhat different than their civilian counterparts. For example, one of the most significant differences is that divorce proceedings, including the final divorce and child custody agreements, are governed by the Uniformed Services Former Spouses’ Protection Act (USFSPA), which alters where an individual may (or may not) want to file for divorce.

We always recommend seeking pre-divorce legal counseling before officially filing for divorce. Working with a family law specialist beforehand ensures you know all of your options and professional advice on what to do – or what not to do – throughout the process.

5 Ways Military Divorce Is Different

Here are five ways military divorce proceedings are different.

Finalizing child custody and visitation proceedings may be more challenging

We’re putting this difference first because we believe the children’s best interest should ALWAYS be a top priority in any divorce – regardless of what water flows beneath the parents’ bridges. The states’ family law courts decide child support, and most states (including California) determine a service member’s portion using their total entitlement (base pay, housing allowance, subsistence allowance, and any other special pay). 

However, all military branches (excluding the Air Force) have their own rules on how much parents should pay. If you’re in the military, start there, and it may simplify things for you during the settlement process. Also, remember that once child support is set, only the family law court can change the amount. If anything about the military member’s pay will change in the near future due to deployments, base transfers, upcoming discharge, etc., speak to a lawyer about customizing the terms of the child support order ahead of time to prevent having to go back to court.

When it comes to child custody, the courts now tend to do what’s best for the child. However, unless there is something compromising or dangerous with remaining with the non-active duty spouse, it’s rare for active duty military personnel to get full child custody due to the upheaval and disruption in a child’s life if/when a parent is deployed. 

You have a choice about where to file your divorce

Typically, couples living in California for six months or more must file their divorce in California. This is not the case for couples where one or both people are in the military. Adults in many military couples have residency in two different states, which means you can choose which state you want to file your divorce. 

However, you’ll want to choose carefully. The USFSPA dictates that the state of legal residence of the military member always has the power to divide the military pension in a divorce. So, let’s say your spouse is in the military, and you are not. You live in California, and she lives in Tennessee. Usually, California is a community property state, which means all of your assets – including any retirement savings or pension funds accrued during your marriage – are split evenly. 

However, Tennessee is not a community property. It adopts something called equitable distribution, which means the state divides things equitably – but only sometimes equally. You want to file your divorce in the state that is most likely to distribute assets in your favor if there is a difference.

Active military personnel can file for a “Stay” through the SCRA

In California, the person filing for a divorce is called the “Petitioner,” and the person being served the divorce papers is the “Respondent.” Once served, the Respondent has 30 days to respond. If they don’t respond or sign the papers in 30 days, the Petitioner can continue moving forward by taking some extra steps. If you or your spouse is on active duty, you can request this time be extended.

The Servicemembers Civil Relief Act (SCRA) was designed to prevent active military members. This gives them up to 90 days to respond, and they can request more time on top of that. The “stay” is intended to keep active military members focused on their jobs so they aren’t consumed by the stress and steps required to move forward with a divorce. The military court will not continually grant extensions without good reason, but it’s worth being prepared. 

A non-military may be able to keep their healthcare plan

If you’ve been married for 20 years or more to an active duty member of the military, you may be able to keep your spouse’s TRICARE coverage at no cost. The military calls this the 20/20/20 rule (20 years of marriage, including 20 years of active duty and 20 years of overlap. If you have medical coverage available through your employer, TRICARE becomes the secondary form of insurance.

If you don’t meet the 20/20/20 rule, you may be able to pay for something called “conversion coverage” through the military’s Continued Health Care Benefit Program (CHCBP). There are several qualifying stipulations, but qualifying ex-spouses can have this coverage for at least 36 months, eventually allowing you to migrate onto your non-military insurance plan.

Dividing retirement plans can be tricky

Military pension and retirement plans can be tricky to divide in a divorce. In some cases, it makes more sense to trade retirement benefits for current assets to keep things streamlined. However, that isn’t always possible. If and how a military pension can or will be divided in a divorce varies according to multiple factors. 

Also, know that If a portion of your pension will be paid to your ex-spouse after retirement, you’ll probably be mandated to pay for something called the Survival Benefit Plan. This means that if you die before your ex-spouse, they’ll continue receiving their portion of your pension for the rest of their life. 

Gerard A. Falzone Provides Mediation & Collaboration For Military Divorces

Mediated or collaborative divorce are both smart options for navigating a military divorce efficiently and with the least amount of stress or contention possible. In addition to keeping you out of the courtroom, these variations in divorce proceedings can save you thousands of dollars.

Working with a family law specialist with experience handling military divorces is always best to ensure everyone’s best interests are honored during the proceedings. Contact Gerard A Falzone to schedule your military divorce consultation.

Adults should always be careful about what they post on social media because the record is there for all to see, including prospective employers. Now, family law judges pay closer attention to social media posts when making decisions about pending divorce, child custody, visitation, and child support/spousal support hearings.

As people become more impulsive and less thoughtful about posts – or don’t think to check peers’, family, or friends’ posts – social posts admitted as evidence in court are increasingly used as evidence against petitioners/responders in your divorce or child custody hearings.

Do NOT Do This On Social Media During Divorce Proceedings

Everyone should be mindful of their public image and how it can affect them, but this is especially true before, during, and after divorce proceedings. Depending on the evidence copied and pasted to be used against you, you may find yourself:

• In contempt of court or facing perjury charges.
• Losing child custody or visitation rights.
• Paying more in child or spousal support.
• Owing backpay for child/spousal support (paid with 10% interest to the recipient).
• Facing criminal charges.

Here are five things you should never do when using social media.

Disparage your spouse/child’s parent or post info about proceedings

Judges frown on immature, disparaging, or slanderous behavior from petitioners or respondents. No matter how mad or hurt you are by your spouse, never disparage them on social media. It automatically casts you in a poor light, which can continue to haunt you throughout the divorce proceedings. If your children have social media access, disparaging their other parent(s) may come back around to them, and that can be disastrous. 

Secondly, keep the details of the case private. While much of the information about the court proceedings becomes part of the public record, posting things publicly is considered uncivil and also casts a shadow on your integrity. If you’re dating someone new, and there are inappropriate posts about the two of you (partying, drinking, using drugs, etc.) this can also get you into trouble – including restrictions around your new partner being around when you have the kids.

Post or be part of a post that depicts you drunk, partying, participating in illicit activities, etc.

Yes, everyone deserves a night out; there is nothing illegal about going out and having a good time (unless you’re caught on film/post doing something illegal). However, these images and posts can be detrimental in a battle around child custody or visitation rights. 

While the court does its best to support 50/50 custody – or close to it – whenever it can, first and foremost, family law courts support children’s best interests. If your ex’s lawyer supports evidence from your own social media posts or those from your network, they could cost you time with your children, which also adds up to more child support you’ll have to pay.

Lie about the reason you’re postponing/canceling a visit with your child

If you tell your child’s other parent you can’t honor the visitation agreement due to a work event or family emergency, make sure it’s the truth. Because if they see a post anywhere online that you were actually doing something else, that can be used against you. Remember that while you can control what you post, you have no control over what your friends and outer-layer acquaintances post.

Things come up, life happens, and the ideal is that parents can work together on (in writing) trades/makeups, etc. However, honesty is always the best policy, or you could find yourself with less time available with your children. And, as we mentioned in #1, children with access to social media also find out you’re lying, which sets a horrible precedent and can destroy their trust in you.

Post pictures of work or side jobs if you’ve claimed unemployment

It’s not uncommon for people who work under the table or pick up side jobs to be dishonest about their income to avoid maximum child support payments. This is a huge mistake. First, it’s dishonest and illegal. Always be honest about your employment situation and income, as digital records can come back to haunt you, and penalty payments are staggering.

Second, anyone can hire a private investigator to follow you and find out otherwise. But these days, P.I.s are needed less and less due to irresponsible social media posting. A single post that shows/mentions you at work, boasting about things you’ve bought for yourself or your new partner (when you claim to have no money), or otherwise indicates you have an income you didn’t report (or lied about) is evidence and can be used to collect back-owed support with hefty interest. 

Post anything with your children that makes you look irresponsible

Were you and your kids swimming in a river clearly stating “no swimming due to strong current?” Did you take your child on vacation out of the state – or country – without prior written permission from their other parent? Is there a post showing you and your children at a celebration with people who are clearly drunk, high, or with paraphernalia in the background?

Anything that remotely hints that your children are not safe or are at all at risk while in your custody is solid grounds for stripping you from custody or visitation without supervision.

Tips For Social Media Posts During & After Divorce

If you’re in the process of getting divorced or fighting for child custody, there are things you can do to keep social media from working against you:

Clean up the account

Delete any posts that could be remotely incriminating, or that cast you in a negative light. Ask friends and family to do the same. 

Take a break or keep things very professional

If you wouldn’t want prospective employers, your grandmother, or a police officer to see the post, don’t post it.

Google yourself with parentheses, using any potential names, nicknames, or initials, and see what shows up. You may be surprised to see photos you never knew were public. If anything could count against you, try to get it removed.

Keep all digital communication in line

We’re discussing social media in this post, but all digital communication can be used against you. That includes texts, emails, voicemails, websites, internet history, etc. 

The Law Offices of Gerard A. Falzone Keeps Social Media Out Of It

Pursuing mediation, rather than litigation, is the best way to avoid social media being used against you during divorce or child custody proceedings. Mediation can save you thousands of dollars, months of wasted time, and unnecessary negative energy, and keep things on the higher road.

Contact The Law Offices of Gerard A. Falzone to learn more about moving through your divorce or child custody proceedings with as little tension, angst, or negativity as possible.

In a community property state like California, divorce law handles assets and debts acquired during the marriage as a 50/50 responsibility. In some marriages, the allocation of who is paying what is more complicated than any other part of the divorce agreement, especially if there isn’t any property or significant assets to speak of.

Splitting Debt In A Divorce: Who Pays What?

Assuming there was no prenuptial agreement, any and all debt incurred prior to the marriage belongs to the individual who incurred the debt. Any debts acquired during the marriage are shared by both parties. This includes credit cards that are only in one or the other spouse’s name, debt one of the spouses may not have known about, and so on.

If determining who pays what is causing more tension or escalating emotions as you plan to divorce, I recommend scheduling a divorce mediation session ASAP. Working with a neutral third party who can review all of the debts and hear both sides can go a long way toward de-escalating the situation. Together, we can work on agreed payment plans that make sense based on your stories.

Are Any Debts Considered “Separate?”

Some debts are considered “separate:” 

Debts brought into the marriage

If you had credit debt, an active car loan, a mortgage, etc., that was in your name before the marriage, they are held separately from the community property debt. Now, with something like a mortgage, there may be some gray area – especially if your spouse moved into the home and you made payments together. In that case, the courts may use a mathematical algorithm to determine how that property is divided.

In almost all cases, any debt brought into the marriage is considered separate, and the remaining payments are the responsibility of the original debt holder.

Debts in a divorce incurred after you legally separate

If your spouse is not good with money or has more debt than you do, we recommend pursuing a legal separation before you get divorced. This protects you from any spendthrifty ways that continue throughout the divorce proceedings. From the date of your legal separation, the court views any future debts or property acquisition as an individual and not part of the community property state. 

So, for example, let’s say that your spouse moves out of the master bedroom and into a spare room or couch because you can’t afford separate places yet. In the meantime, s/he takes out a new credit card or purchases a new car in their name. You will be responsible for 50% of that debt, even though, as a couple, you’d agreed to be “separated.” 

If you get legally separated, even if you have to live in the same house, their debt remains their debt, just as your new debt remains yours. There are some gray areas if that debt was used to pay share expenses or to purchase necessities for the children. However, common sense prevails when the court reviews expenditures either party balks at having to pay.

Am I Responsible For My Spouse’s Student Loan Debt In A Divorce?

Any student loans taken out before you were married remain separate from the community property pot. However, any new student loans taken out by either of you after marriage are considered shared debt. So, if you took out a loan to complete your undergraduate degree prior to getting married, you are 100% responsible for the remaining portion.

If you decide to pursue a higher education level and take out more student loans during the marriage, that portion of the debt is split 50/50 between both of you. 

What If My Spouse Had Credit Cards I Didn’t Know About?

This happens all the time and can be earth-shattering for the spouse who was kept in the dark. Unfortunately, even hidden debts are your responsibility if they were taken on during the marriage and before legally separating. In some cases, judges may rule that traditionally shared debt will be handled as separate debt. 

It could happen if there was a different p.o. Box or mailing address used or if the debt was used to pay for elicit content or illegal or nefarious services. Again, judges review this on a case-by-case basis. Remember that the same type of people who hide spending from their spouse often try to hide assets in the divorce. This is a big no-no. Hiding assets is illegal, and judges do not take it lightly.

If you suspect something like this has happened in your marriage, you may want to consider hiring a private investigator to run a complete asset search. If you find hidden assets and bring that evidence to light through your attorney, the judge is more likely to also rule in your favor on the hidden debts.

Work With A Divorce Attorney In Contentious Debt Situations

If there is a dispute about who should pay what when it comes to community debts, it’s best to work with a divorce attorney. Together, we’ll work to minimize the tension and come to a joint agreement that is in the best interest of both parties. Contact The Law Offices of Gerard A Falzone to learn more about divorce mediation services or to schedule a consultation.