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The ABCs of Divorce, Separation, & Uncoupling – Part 2

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This week on the TruNorth Divorce Solutions “Divorce is NOT for Sissies” blog series we’re following up on The ABCs of Divorce, Separation, & Uncoupling with part two as we continue through the divorce alphabet.

I is for Information

Do your research; gathering information from reputable sources you can count on is your best defense. We offer monthly seminars on a variety of divorce topics to help you prepare.

J is for Just Breathe

This will be your mantra for the next year or so. Every time you feel your shoulders creep toward your ears, every time you tense your chest, or your throat feels tight, exhale. Take a deep breath. Repeat 3-4 times or until your jaw unclenches and you can take full breaths again.

K is for Kids

When separating with children, there are a lot more variables to juggle. Will you need to hire a family lawyer due to custody disagreements? Will you be working with a court liaison or court-appointed child psychologist who advocates on their behalf?

I also recommend a lot of research in this category, as there are a ton of self-help books, free apps, and podcasts dedicated to this tough subject and its brevity. Contact us if you want specific direction.

L is for Litigation

Litigation is a type of divorce dispute resolution and is often turned to when disagreements cannot be solved with mediation. The process involves filing with family court and having a judge or a commissioner determine who gets what, including custody of your children. Litigation should be a last resort.

M is for Mediation

Among divorce processes, mediation is typically the fastest, least stressful and least expensive option, while keeping you and your spouse in control of outcomes. Note: DIY divorce is under almost all circumstances an unwise choice if you have children or marital assets. You only get one chance to get it right, so don’t risk finding out that you could have saved thousands if you’d gotten the right assistance to begin with.

A mediator is a trained, neutral third party who assists both spouses in solving common divorce-related issues. The process is often used by couples who want to stay out of court and decide upon their custody agreement themselves.

N is for Negotiating

The first step to effectively negotiating with your spouse is to check your emotions and execute from a stable perspective. It also entails the ability to see and understand your spouse’s side, emotions, and needs.

The key is to focus on your interests and goals, rather than creating a victim/villain dynamic. Before you start negotiating, however, it’s important to have knowledge of the laws in your state surrounding divorce, especially if you share a child.

O is for Only the Facts

Your lawyer can only help you if you disclose all the facts, especially the ones you’re nervous about. It makes better legal sense to build a defense beforehand than to spring a surprise on your attorney later down the road.

P is for Price

Do you have an adequate picture of the cost of the divorce? The whole thing.The nitty-gritty details like babysitter fees and storage rentals and the sheer amount you’ll end up spending changing your hair after this? Consider your time and energy in addition to out-of-pocket fees and court costs.

TruNorth Divorce is Here for You

Can you say your divorce ABCs? If you need a more thorough guide to starting your divorce journey, send me a message on Facebook. In the meantime, you can flip through my free ebook, 7 Things to Do Before You Divorce. Above all, take care of yourself!

Should I Choose a Family Lawyer for My Divorce?

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family lawyer

When you make the decision to get divorced, you might find yourself wondering how to even begin the process. Do you need to hire a family lawyer? Most of us have seen divorce portrayed in movie scenes with cutthroat attorneys arguing back and forth over the family home and possessions. Affairs are uncovered, crimes are plotted, and things always seem to be very complicated.

But what most folks don’t realize is that this isn’t an accurate representation, it’s Hollywood drama. The divorces of the real world rarely play out like that and would make for terrible entertainment. The truth is, that unless you have personal experience, you probably don’t realize that for amicably parting couples, divorce is largely a financial transaction. Most divorces never make it to the courtroom.

Many divorcing couples choose to work with family divorce mediators over hiring a family lawyer. One of the reasons for this is that it’s often the least cumbersome and most cost-efficient path to an uncontested divorce. Litigation is usually the last choice, but whether you end up in court really depends on how willing both spouses are to negotiate and compromise on sometimes complicated financial and parenting issues.

So, how do you determine whether choosing to hire a family lawyer or hiring a mediator is appropriate for you?

 

♦ Things are Messy and the Divorce Settlement Process is Involved

If you are involved in a contested divorce filled with pain points and emotional turmoil, hiring a family law lawyer is probably a smart move. Divorce mediation requires collaboration. If you can’t see eye-to-eye and every open dialogue during the negotiation process somehow reaches an impasse, mediation may not be right for your divorce.

♦ There is a Serious Threat of Violence Involved in Your Relationship

Mediation is not recommended if you are exiting an abusive marriage. Breaking away from an abusive relationship presents its own set of challenges. Your soon-to-be-ex-spouse has already demonstrated that they are not concerned about your well-being. The state of Maryland provides some dedicated resources for victims of domestic violence. You can also call 1-800-MD-HELPS for support.

 

Family Divorce Mediation as an Alternate to Attorney Services

If your divorce is uncontested, mediation may be the right choice for you. Mediators who specialize in divorce should be knowledgeable about state laws and legal procedures and skilled in divorce settlement negotiation. When you separate the emotional aspect from the act of divorce, finances and the division of shared marital assets becomes the focus of negotiation. That’s why some mediators become Certified Divorce Financial Analysts® (CDFA®), refining their skillset to help clients expertly navigate any financial pitfalls when it comes to dividing marital assets. CDFAs® specialize in identifying financially sound and creative divorce settlements that take the interests of both parties involved into account. With a CDFA® you get an optimal settlement that is based on accurate valuations, taxes, and both the short and long term impact on your financial health.

Filing Legal Documents and Retaining a Lawyer

Some divorcing couples work with mediators but also decide to retain a family law attorney to review the final documents and paperwork before officially filing. While this isn’t necessary and many divorcing couples choose to circumvent the process to save money on attorney fees, TruNorth Divorce doesn’t discourage clients from working with a family lawyer as a consultant. 

Processing your divorce does not require that you work with an attorney. At TruNorth Divorce we offer assisted and full-service divorce processing–you will never have to speak with an attorne or step foot in a courthouse!

Additional Support

Going through a divorce can be difficult. But remember, you aren’t alone. As with any stressful life event, it’s good to reach out to your support network. While friends and family offer one such avenue of support, talking to a counsellor or mental health professional and seeking out divorce support groups are healthy paths that can help you through this big life transition. Visit our website to learn more about divorce mediation, explore our resources, or schedule a free consultation.

The ABCs of Divorce, Separation, & Uncoupling – Part 1

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A is for Always Explore All Your Options

There is more than one way to get a divorce and you shouldn’t just pick up the phone to call a lawyer. You may find yourself two years later and tens of thousands of dollars poorer with still much unresolved. Frankly, DIY is rarely a sound option if you have assets or children. Mediation is a good first stop and only hire a lawyer if there are reasons mediating just won’t work. If you do hire a lawyer, ask him or her how they approach their cases–negotiation with the other party and their attorney is always preferable to involving the courts and litigating. 

B is for Begin Gathering Requested Information As Soon as Possible

There will be a lot of financial information needed for financial analysis for asset division and support and this can be a bit overwhelming at first glance. It takes time to gather and organize all of this, so begin as soon as possible.

You will need a copy of any prenup or postnup agreement, tax returns, W2 forms,pay stubs, mortgages, life insurance policy statements, credit card statements, checking, savings, and retirement account statements. 

C is for CDFA

A CDFA® is a certified divorce financial analyst® who can help you form a clear picture of your finances before, during, and after divorce. Having a CDFA® on your team provides valuable knowledge and guidance through tax consequences, optimal asset distribution, and short/long-term financial planning. Consider adding a CDFA® to your team for your best financial outcome.

D is for Don’t Seek Revenge

While it may feel good for a few hours to aggressively garner some retail therapy, overspending during and after the divorce is a common pitfall for couples.

In fact, when children are involved, one parent can use spending money or buying “treats” as a way to outplay the other parent and manipulate the child into choosing sides. This revenge tactic only hurts your family…and your bank account in the long run. 

E is for Envisioning Your Future

The more brain power you can spend on imagining your awesome new future, the less you’ll be ensnared by negative thoughts. Intentionally cultivate these images of what your new life will resemble, and it will be much easier to achieve. Just sit back and imagine yourself already in that new life; what does it look like, who is there, how do you feel? Paint that picture as many times a day as necessary. 

F is for Final

Marital asset distribution and most alimony awards are not modifiable after the divorce unless you can prove fraud. You only get one chance to get it righ!

G is for Go Get Your Own Banking Account

After a divorce, your credit score and finances can take a hit. It’s feasibly better to open up your own bank accounts and credit cards before you file, and start building your own financial identity,

H is for Hire Your Divorce Team

Divorce cuts across all aspects of our life and you need support to address not only the legal and procedural, but also emotional, financial, and parenting. 

TruNorth Divorce is Here for You

Can you say your divorce ABCs? If you need a more thorough guide to starting your divorce journey, send me a message on Facebook. In the meantime, you can flip through my free ebook, 7 Things to Do Before You Divorce. Above all, take care of yourself!

Building Your Divorce Team: Role of the Therapist

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In the inaugural piece that launched the Divorce is Not for Sissies series of blogs, I shared with you that divorce is going to be a difficult and potentially traumatic event in your life, affecting every element of your being. So, how can you champion the divorce process to minimize its adverse consequences? 

The first step is to build your divorce team.

You may think the most important professional for your divorce is your lawyer. WRONG. Your attorney is not going to provide emotional support, help you figure out how you got here, give you guidance on your financial future or help you determine the optimal settlement, provide information and assistance on being an effective parent to your children, help you sell your home or refinance your mortgage so you can keep your home. Your lawyer, should you choose to work with one, will charge you over $300 per hour and that will quickly add up to tens of thousands of dollars. Lawyers are trained in the law, period and most only focus on “winning” cases in court. Seeking an attorney’s guidance for anything other than filing paperwork through the court system or preparing for hearings or trial is just throwing money away needlessly. Even if your divorce isn’t ultimately resolved in the courts by a judge (or equivalent), represented negotiation involves your attorney talking to you, your spouse’s attorney talking to him or her and then for them to talk to each other to then come back to talk to you about what they talked about. No joke. And then you spent $50,000 or more so you could get to a settlement that could have been competently worked through for much, much less, resulting in an outcome that would have left you better off both financially and emotionally?

As you prepare for or respond to a request for divorce, think about the myriad of ways your life is going to be impacted.

Let’s start with emotionally and psychologically. If you can’t deal with your thoughts, feelings and emotions, how well do you think you’re going to do managing every other aspect of your divorce—legal, financial, social, parenting, and more? You may be anxious, confused, depressed, feel guilt and remorse, be conflicted, confused, overwhelmed, may question everything, including your own sanity and ability to function. You may be thinking—isn’t that what family and friends are for? They are, of course, a key component to getting you through all of this, but they will not be able to provide you with the objective and expert assistance that a trained therapist can provide. Also, your friends and family are going to get sick of your story and woes. Yes, they are concerned and want to support you, but If you want to maintain these relationships, don’t overly burden them with your misery.

A trained therapist who focuses on separation and divorce is your best resource for dealing with the pain of divorce.

She will understand what kind of support is needed during separation and divorce and bring to the surface the underlying fears and worries that are holding you back so you can effectively address them. A good therapist can help you process your grief, create strategies for maintaining your emotional heath, examine what led to the end of your marriage, and give you the confidence you need to find a new, healthier relationship. Part of the healing process is to create a new vision for your future and a therapist can help you explore the possibilities and create a plan to realize your goals.

How do you find a good a good therapist?

You can search the Psychology Today Directory, ask friends and family, your marriage counselor, or your primary care physician for recommendations, and attend divorce support groups and educational events. MeetUp and Eventbrite are great sources for these kinds of groups and events. Vesta Divorce can also be a great resource and their divorce concierge may have recommendations for you.  Once you’ve identified a few potential therapists, meet with several before selecting the one you want to work with. Many will do a complimentary phone or Zoom consultation.

You won’t regret having sought the support of a trained therapist who specializes in separation and divorce but you may very well regret the pain and struggle that you endured without one.

6 Reasons Why You Need a Divorce Support Team

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When going through a divorce, it’s essential to have a divorce support team to help you through what can ultimately be an exhausting process. Since getting a divorce affects multiple aspects of your life, it makes sense to have a variety of team members who can collaborate to help you create the most beneficial outcome for your divorce.

By compartmentalizing the divorce process into different roles, you can build a reliable network of people who will help you meet the obstacles you encounter when separating from your spouse. A divorce team includes your friends and family who can offer emotional support. It can also be constructive to receive psychological support from a professional therapist or counselor, so you don’t feel alone on your journey. Additionally, you will need the guidance of a mediator or an attorney-litigator for the legal side of things, a divorce financial advisor for financial support, and maybe a mortgage broker and real estate agent who specializes in divorce.

Family & Friends

Divorce is a roller coaster of emotions and the sense of being newly single can make you feel isolated; reaching out to friends and family members you can trust helps you feel like people are on your side.

It’s important to be discerning with whom you confide in for advice, though. Friends or relatives who encourage you to “take him for all he’s got” aren’t the ones you want to be listening to right now. The most beneficial approach is to find guidance from people who can help you think through everyday decisions, as well as to clarify what is most important to you in co-parenting. Be careful, however, not to overly rely on your family and friends, they’ve only got so much room for your woes.

Divorce Mediator or Attorney

For almost everyone, divorce is a complex and time-consuming process. Generally speaking, you should start by considering a mediator to help you reach a financial settlement and develop a parenting plan with your spouse. If that’s not possible, a divorce attorney may be necessary to help you navigate complicated paperwork, set terms for child support, negotiate your divorce settlement, and represent you in court. 


Especially if you are dealing with an abusive situation, having legal aid also makes it easier to obtain a restraining order. All in all, having a divorce attorney on your support team will make it easier to resolve disputes and ensure y

Divorce Coaches

A divorce coach will assist you with the inevitable transitions divorce comes within a goal-oriented process that is intended to give structural and emotional support to you and your family.

Separating requires disentangling complex social, financial, and emotional aspects from you and your spouse’s life. A divorce coach can motivate you to envision the life you want to eventually lead and layout pragmatic steps to guide you there. Coaches provide a more holistic service and encompasses helping you process the divorce on a full scale.

Financial Advisors

A financial advisor on your divorce support team will help provide a better understanding of your expenses before and after the divorce. It can obviously be difficult to make sound financial decisions when engulfed in emotional turmoil.

By consulting a CDFAⓒ (Certified Divorce Financial Advisor) to understand all of your financial assets, you can ensure you receive your fair share in the divorce and have a clear picture of your financial future. They also help you plan your long-term financial goals, like getting out of debt or preparing for your retirement. 

Mental Health Professionals

In some cases, even having all four of these members on your divorce support team will not be enough. It’s important to have multiple tools and practices in your wheelhouse that enable you psychologically cope with the divorce, and the most qualified person to help impart these strategies is a mental health professional.

There are various methods of therapy for how to cope with uncoupling, including individual therapy like CBT (cognitive behavioral therapy) or family therapy where a third party guides sessions that collaborate with your spouse and/or your children.

Divorce can be traumatic, and if unmitigated, can affect your life for years to come. By designing a treatment plan that benefits you, a therapist formulates a mental health roadmap that will take you from feeling overwhelmed and erratic to calm and capable of handling the obstacles of your divorce. 

Divorce Support Groups & Meetups

It’s essential to make time for socializing during a divorce and connect with others who are going through the same thing. Meetups have become a popular option for divorce support groups online and provide an easily accessible platform for a wide range of support groups, free of charge.

If you belong to a church organization, you can find community-based groups that meet to work through divorce together. If going to your local church is not a safe option for you, your community library or coffee shop may offer monthly meetings where you can listen to others and share your experience in a judgment-free setting. 

Divorce Websites and Apps

When divorcing with children, some courts may order the use of an app for efficient co-parenting or support payment management. If you intend on raising your kids separately, OurFamilyWizard is an app designed by a divorced couple to make this a smoother journey. An interactive calendar allows you to plan schedules and also includes an expense log for tracking shared costs. 

The SupportPay app allows you to manage, track, and pay for child support or alimony, and doesn’t necessarily require both parents to use it. You can upload receipts and invoices, and see exactly what is being spent, presumably on your child. 

Vesta Divorce can help If you’re at the beginning of your divorce and aren’t sure where to begin building your divorce support team. They provide a tremendous resource for information and professionals.

TruNorth Divorce is on Your Team

Hopefully, this guide will assist you as you build your own divorce support team. As you go forward, it’s best to remember this isn’t all on you; you have people in your corner that you can turn to for practical, legal, or financial advice…or maybe when you just need a hug.  


In the meantime, you can find out more about the divorce process through my free downloadable ebook, or reach out to me on Facebook with your questions. TruNorth Divorce is here for your support.