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170652636-couple-meeting-with-financial-advisor-gettyimagesI’m not always a very wise shopper.  I tend to fall into the trap of thinking something is a good deal if I save money.  And at least in the short term, my cheaper purchase may do just fine. But inevitably, cheap purchases lack staying power and don’t hold up well.  I was reminded of this recently when looking in dismay at the boots I bought on sale at a discount shoe store.  After one season of wear, the leather has frayed on the toes of both boots, and they won’t be wearable next season. In contrast, the Frye boots I splurged on when I was accepted into graduate school decades ago still look great.  I knew at the time that these boots were an investment meant to last. When some potential clients hear about Collaborative Team Practice, their first response is,  “That sounds too expensive.  I don’t want to spend much money on a divorce.”   Because most people have to budget money with some care, it can easily feel like professional fees are not where limited resources should go.   But be aware of the trap of thinking something is a good deal if it saves money. A quality divorce process is an investment in the future, especially when children are involved.  Collaborative professionals are experts in conflict resolution and creative problem solving, and can respectfully support families through the crisis of divorce to sustainable resolutions.  Collaborative professionals are deeply knowledgeable in their areas of expertise—family law, financial resolutions, children’s needs in divorce, parenting plans and co-parenting skills.  Simply put, the right Collaborative professional will help you understand what you may well not know about how to make the best possible decisions on behalf of yourself and your family. The least expensive divorce options may seem adequate at the time, but the results are often not sustainable.  This may mean heading back into a post-decree legal process that  is guaranteed to be costly.  Collaborative Team Practice is not the best fit for all divorces, but when it is, it is clearly an investment in quality outcomes with staying power for the future.  For more information, check out the Collaborative Law Institute website.
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164848735-judges-gavel-and-legal-files-gettyimagesOur last blog post from Daisy Camp discussed ways you can avoid going to trial in a divorce. The last thing anyone wants is to go to trial, but sometimes going to trial is simply unavoidable. The good thing is, less than 5 percent of divorce cases go to trial, but what if you find yourself amongst that 5 percent? What can you expect in a divorce trial? Judges generally try to help you resolve your case before the trial date, but sometimes that is simply impossible. If, after months, and sometimes even years of negotiations, you and your soon-to-be-ex-spouse still have not reached an agreement, your last recourse is to have a trial. Divorce trials typically do not involve juries, but are held by a judge in the judge’s chamber. The judge reviews volumes of documents, hears evidence from each spouse, your respective divorce attorneys, possibly witnesses, and then come to a decision based on evidence. Trials can be as short as half a day or as long as several months (although that would probably be unusual for a divorce trial). The length of a trial depends on the number of witnesses, how long each examination takes, and what motions are made during the course of the trial. The emotional and financial costs rapidly add up. Divorces can be very expensive, but divorces that go to trial are even more costly, both financially as well as emotionally. According to the book “The Collaborative Way to Divorce” by Collaborative Attorneys, Stuart Wells & Ron Ousky, “When divorcing the “traditional way” settlement may only happen only after you or your spouse have been to court on one or more occasion, for temporary hearings, settlement conferences,  and so on. Sometimes these cases settle within days or hours before the trial is scheduled to begin – after you and your spouse have already incurred most of the financial and emotional cost of preparing for trial.” In these cases although the trial was avoided, the damage is already done.
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185123062-stone-heart-gettyimagesAs a collaborative law professional, I work with divorcing couples on out-of-court resolutions that meet big picture goals and interests. It is challenging work that I have dedicated my career to and I strive daily to provide the highest level of service. As a general practice, I check in with my clients a year or so after the divorce to see how things are going. I genuinely care about my clients and enjoy learning where they are at after a divorce and what accomplishments and challenges they have faced after the transition. While many traditional, court-based divorce attorneys hear from their clients often with post-decree disputes or modifications, I believe if I have done my job most effectively, clients will be prepared to handle most everything that comes up after a divorce on their own. More often than not, the only way I know how my clients are navigating a post-divorce world, is to reach out and ask them. I recently heard from two former clients. First, I heard from a spouse who had one of the more challenging financial situations I have dealt with. There was significant debt and substantial expenses (as there often are) and they had shared some unique financial goals regarding their investments and retirements moving forward. They also agreed to share future income in a manner that was unique in the eyes of the law, yet suited their big picture goals. The parents agreed on many parenting issues, but both had personal experiences with bad divorces in their own childhoods, so they were apprehensive and untrusting of the other. They also intended to move out-of-state for the main wage-earner’s work once the children finished the school-year, although there was concern on follow through with this agreement. I heard from this client that the move happened without a hitch and they have peacefully transitioned into two homes in a new community. The children are thriving with the help of good communication and some family counseling. I heard from my client that “things are better than I expected” and that my client truly believes they are both doing really well. Most importantly, my client was excited to share the accomplishments of the children, yet sharing truthfully some of the difficulties they have had with the transition. This client expressed gratitude for a collaborative divorce process that allowed them to acknowledge the positives in their relationship and preserve what works, while restructuring things for a better future. My other client had recently navigated his Wife getting remarried. He provided spousal maintenance to his ex-Wife and the decree had contemplated the financial circumstances changing upon remarriage if either spouse requested such a review. My client informed me that despite the decree allowing for a review, he had decided not to do so because he wanted to continue to support his ex-Wife in a financially stable situation for the benefit of his children. Even though he could have likely lessened his obligation, he felt most comfortable with maintaining the status quo and continuing support. Like my other client, he thanked me for providing a process that allowed him the flexibility to decide what feels right but also preserved the respect and caring he shares for his ex-Wife. Indeed, that respect has benefited her greatly as well through the support. In my years of experience and check-ins with clients, I am continuously impressed by the level of gratitude clients express for the collaborative process. It is a process that creates unique outcomes tailored to each family’s needs and, I believe, results in longer lasting agreements and stronger post-divorce relationships.
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513648211-sadness-today-gettyimagesIn divorce many people hire attorneys with the hope of receiving what the law entitles them to receive.  They focus on their rights and ask their lawyer to help them get what “the law” provides, perhaps believe that this is the best way to protect their interests.  Most people don’t realize how focusing on the law and “rights”  is setting the bar very low and on occasion, guarantees them that they will need to settle for the very minimum  rather than trying to achieve their most important goals. Divorce laws are created to establish minimum standards for the government to apply if the family cannot come up with a solution on its own. For example, the child support guidelines give you an idea about the minimum amount that would be required for the support of your children if a judge is required to intervene.  The property division that your lawyer tells you will be ordered under “the law” merely describes the minimum that the law will compel.  The parenting schedule normally describes the minimum times that you must be allowed to see your children. Nevertheless, it is a curious  aspect of divorce law that people often start out focusing on those minimums and do not stop to reflect on what might be possible. Striving for minimums is an unusual way to begin down any path, particularly with something as important as family relationships. Outside of divorce, few of us would ever think that we should provide only the minimum to our family members. We would rarely respond to needs of our children, or our spouse, or a parent or even an aunt or uncle for that matter, and say “what is the very minimum that the law would compel me to do?”  To the contrary, faced with these situations outside of divorce, we would be drawn to think in terms of doing the right thing; doing the best we can do under the circumstances. Yet, as soon as we enter the divorce world, we automatically assume this “minimum only” mentality and we hire lawyers to fight over those minimums. No doubt some you are thinking that divorce is different because you are dealing with an ex spouse and that the rules of conscience and decency should not have the same sway as with a real family member. But is that really how it is? First of all, if there are children involved, it is difficult to enforce minimums without catching them in the crossfire. Because your children will live in the same house as your former spouse for a significant portion of their lives, there is no way to force your spouse to accept minimums without impacting your children, at least to a degree. In addition, is your spouse, the mother or father of your children, someone who can be immediately relegated to the role of non-relative and allow you to feel a complete indifference to their well-being, (or worse)? No doubt, many divorcing people have found ways to view of their ex spouse in this way. However,  most people,  once they get past the anger, fear or sadness, admit that they do not hold this complete indifference and, in fact, express real caring, and concern for their ex spouse. So, how do we shed the “minimums” mentality and approach divorce by setting the bar much higher? It will take more than one blog to cover the many different ways to create better settlements by appealing to higher standards. But here is a start. Go to www.collaborativelaw.org or to www.divorcechoice.com and find a divorce professional who speaks this language. You may be surprised by what is possible.
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466121615-male-lawyer-with-documents-in-meeting-gettyimagesWhile it is possible to file for divorce in Minnesota on your own, without legal representation, it can be difficult to manage, not only legally but also emotionally. Here are some reasons to have an attorney and NOT try and represent yourself:
  • When you represent yourself, you are unable to be objective. It is hard to weigh the options and make decisions in your own best interest if you are alone.
  • While you may save in attorney’s fees, as a novice in the legal arena, you do not know what it means to file a pleading or handle a case. You may also not know that you have other options on process – a collaborative divorce or mediation may provide better outcomes.
  • When you represent yourself, there are held to the same standard as all other clients. This means that the court will have the same expectations of you as it would of a licensed attorney representing a client.
  • If there are any contentious issues, such as parenting differences, safety concerns, or financial matters, it may be important that you have the best knowledge and skills available to make sure that your needs are addressed.
Most lawsuits never go to trial; however, this does not mean that the resulting settlements are easily reached. In divorce proceedings, an experienced attorney can help you understand your process options. Collaboration may mean there is less times spent in court and more agreeable final terms.
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167810616-mature-couple-relationship-difficulty-gettyimagesThe most significant increase in divorces nationwide has been among baby boomers, essentially those people born between 1945 and 1965. That is not terribly surprising given the high number of people in this age range. However, it does present new dynamics to divorce to the point where the notion of “boomer divorce” has started to reshape the way divorce happens. Baby boomers who face divorce tend to have different issues, and different priorities, than other generations. For the most part their children are grown, or nearly grown. As a result, they do not need significant help with issues of custody or parenting. However, they tend to be very concerned about the well-being of their grown children; whether it comes to making sure that college is financed or addressing their children’s desire to have their parents behave amicably. Children in their late teens or early twenty’s often care deeply about their parent’s divorce and the way that their parents face divorce can have an impact on their lives. If they are in college, they want to be able to visit each parent during school breaks and acrimony between parents can make that awkward or difficult. When they look ahead toward important life events like weddings, graduations, births and baptism, they want both parents to be able to participate without bringing unwanted tension to these life events. I have heard many stories about parents who attend their child’s wedding and cannot be in the same room together. It is very sad to imagine a young bride or groom, on the most important day of their lives, having to focus on have to protect or care for one or both of their parents rather than focus on this important occasion. Many of have witnessed these sad occasions. At the same time, we have witnessed divorcing parents who are amicable with each other and can share the experience of their child’s wedding in a way that truly honors the event. Baby boomers also care a great deal about planning for their financial future and in creating a divorce agreement that allows them to eventually enjoy their retirement years.   With people living longer and remaining healthy will into their later years, there is generally a great deal of fear about the divorce altering their retirement plans. While divorce does take a financial toll on all of the family resources, including a division of retirement assets, boomers who use creative planning, including working with an interdisciplinary team that includes financial professionals, can find acceptable creative solutions. The unique problems faced by most boomers are increasingly causing them to look for more amicable and creative options to help them divorce in a way that preserves their sanity, their co-parenting and their financial nest egg as much as possible. For information about those options go to www.collaborativelaw.org or www.divorcechoice.com.
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136006968-writing-letters-gettyimagesIn the past few months, I have seen a number of people in my social network share this letter. It is a wonderfully written letter from an ex-Wife to her husband’s new girlfriend. Instead of the expected angry, hurtful, stay-away-from-my-children many people would have expected, the letter is filled with caring love for another human being and a potential influencer in her children’s lives. It is welcoming and tries to explain many of the nuances of the new family structures that arise out of divorce. Indeed, they take all shapes and sizes. This letter has been shared tens of thousands of times, because to the general public, it is unique. It is not what they expect to emerge out of divorce – it is not what society seems to expect of couples deciding to end a marriage. Truthfully, however, I see this kind of result all the time. As a collaborative divorce specialist, I loved this letter. It brought tears to my eyes as a real example of kindness and compassion in action. It is what I strive for every day when I work with families transitioning through divorce. We ground the collaborative process in mutual shared goals. If there are kids involved, both parents always want outcomes that protect the children. Regardless of what behavior, emotions or acts have led parents to a divorce, I know parents want to maintain strong relationships with their children and want their children to thrive in a post-divorce world. Many parents would even acknowledge the important role the other parent plays in raising the children. These goals are not unique – I see them all the time. And, when parents commit to an out of court, non-adversarial process, like collaborative law, the professionals in the process are as committed to these goals as the clients. I believe this letter demonstrates how important a positive co-parenting relationship is for children of divorce. That relationship lasts the rest of your life – figure out how to make it work. You do not need to be friends or call each other to talk about your day at work, but a respectful communication style to discuss your children will hugely benefit everyone. Having a strategy to embrace and face the changes that come after divorce is important as well. Statistically, both parents are likely to start new relationships – address these changes with healthy communication or seek outside support to learn how. Collaborative law is a divorce option that addresses many of the long-lasting implications of divorce and attempts to prepare families to move into a post-divorce life that allows everyone to thrive.
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77006495-model-house-next-to-paperwork-and-keys-gettyimagesA large component of a divorce is dividing the assets that you and your spouse accumulated during your marriage. Now that the divorce decree is completed, it is essential to start retitling assets as soon as possible. Retitling of assets confers control by defining ownership and restricting access. A good way to begin this process is to create a personal net worth statement that lists all of your assets and liabilities, per the divorce decree. This statement will serve as the master checklist in your retitling process. Every asset has its own retitling requirements, but essential to the process are the following documents:
  • Current Identification, reflecting any name change if applicable
  • Certified Divorce Decree (see our blog on changing your name)
  • Account information for bank accounts, investments, loans and credit cards
  • Social Security numbers for both you and your ex-spouse
For instance, let’s say you have a joint account with your ex-spouse. The typical steps you would need to take are as follows:
  1. Each of you open individual accounts in your own name
  2. Complete a letter (called a “letter of instruction”) explaining that due to divorce, you would like to divide your joint account per the divorce decree, and clarify how the joint account should be divided.
  3. Both of you sign the letter
  4. Have the letter notarized (banks accounts, etc.) or, Signature or Medallion guaranteed (for investment accounts; it will depend upon the specific investment company as to which guarantee is required). A notary is quite common and can be found at many institutions. Both as signature and medallion guarantee can be obtained at a bank, credit union or investment company (note that this is different than being notarized).
  5. Mail the letter along with a certified divorce decree to the company.
You will receive a letter of confirmation when your individual accounts have been opened and the assets transferred into them, from your joint account.  The joint account will be closed once the transfer has been completed. Remember that with any new accounts, you will need to reestablish things such as bank account links for automatic deposits or withdrawals, as well as updating beneficiaries on retirement accounts. Retitling real estate typically requires a Summary Real Estate Disposition Judgment (SREDJ) or a quit claim deed. A SREDJ is written by your attorney and signed by a judge, authorizing the transfer of the property, and is completed once it is filed with the County Recorder. A quit claim deed is also written by an attorney, but is signed by your ex-spouse before being filed with the County Recorder. Certain properties may require a quit claim deed as well as a SREDJ or a certified divorce decree to be filed with the County Recorder to complete the title transfer. Be sure to follow up with your family law attorney for assistance with this. Don’t forget to retitle assets such as vehicles and insurance policies.  You will also want to make sure your name is removed from the assets transferred to your ex-spouse, in order to limit your liability if something goes awry with their property. Retitling is a lot of work but it is essential to start as soon as the divorce is final, and to see the process through until you have checked off every item on your personal net worth statement. Once completed you can be assured that what is yours is officially yours.
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72918896-two-figures-held-together-by-hearts-around-gettyimagesCollaborative Divorce was started in Minnesota 25 years ago and has spread to more than 20 countries because it meets two basic needs felt by divorcing couples around the world. What does it mean to say that a divorce is Collaborative? First, it is important to understand that difference between the formal Collaborative divorce process (with a capital C) and the use of the word collaborative. To be collaborative simply means to work together and, in that sense, any divorce in which people work together could be described as collaborative, (small c). However, the Collaborative divorce process is something distinctly different. Most people want to keep their divorce amicable, and Collaborative Divorce gives them the tools to work out of court to make that happen. At the same, people facing divorce want to know that they are protected; that they have someone looking out for their interests. Collaborative Divorce provides each party with an attorney who will work with them to help them achieve their most meaningful goals. In a Collaborative Divorce, the attorneys must withdraw if the matter goes to court in an adversarial proceedings. That is the one rule. A rule that is simple and yet, changes the entire tenor of the divorce negotiation.   It is a great example of addition by subtracting. By subtracting one element, (the ability of the lawyers to fight), a door is opened to add many more valuable tools (true interest based-bargaining, teaming with financial experts and mental health professionals, deeper solutions, etc.). That one change redefines the negotiation and creates a ripple effect that, if handled in a skillful manner, creates many more options. People sometimes hire aggressive lawyers, reluctantly; believing that their spouse will be aggressive and that they, therefore, need to “fight fire with fire”. The problem, of course, is that fighting fire with fire means there is a great risk that someone (maybe everyone) will get burned. Collaborative Divorce, with the agreement not to fight, is intended to put out the fire, so that you, and your spouse, can build their future on solid ground.   That is not easy to achieve. It requires skill and commitment. An attorney who cannot use argument and fighting must have other skills. Equally important, clients who intend to achieve their highest goals without fighting must be prepared to work on developing other skills as well. To learn more about the Collaborative Process and to find experts with skill and experience in this area, go to www.collaborativelaw.org or www.divorcechoice.com.
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533297511-stock-market-chart-gettyimagesThere was an interesting article in the New York Times regarding divorce statistics. It theorized many different reasons the divorce rate seems to be decreasing in the United States. Perhaps, the economic downturn has caused couples to stay married longer rather than incur divorce costs? People may be getting married less. The author suggested that perhaps certain states or counties skewed the national data, however, state-by-state and county-by-county analysis seems to imply that the divorce rate is dropping nation-wide. In reality, it does seem like the divorce rate is dropping Another divorce statistic that is often discussed is the rate of divorce in second and third marriages being significantly greater than first marriages. Like the drop in divorce rate overall, there is not necessarily an explanation for the statistics but rather a reporting of them. One potential reason for the increased divorce rate in subsequent marriages is that the later marriages are entered into without as much due diligence. People rush into later marriages for the companionship. Another theory suggests that subsequent divorces are “easier” and less daunting because the individual has already survived a divorce. Regardless the reason behind divorce statistics, the facts remain. If you are going through divorce, however, the statistics don’t mean much. Your personal experience is all that matters and knowing your options – collaborative divorce and other alternative dispute resolution processes – can help you survive and thrive through a divorce.