Uncontested Divorce and Joint Debt

If you want to get an uncontested divorce in Illinois and you have jointly titled debt and loans with your spouse, then there are a few things that you need to know. As a divorce lawyer in Illinois, I represent people in an uncontested divorce for a flat fee – that means my objective is to help you to get a divorce affordably, and quickly. Checking out this information might be the way to get started.

Handling your own divorce is ridiculous

Before we get started, I want to say a few things about people who want to represent themselves and divorce.

You probably think that I’m telling you handling your own divorces ridiculous because I want to hire me. Well, I guess I’m in business so people can hire me. But that’s not really it. There are some very good reasons why you should not do your own divorce.

  • Screwing up the terms. You are probably going to screw up the substantive terms of your divorce. If you don’t find out immediately, you might find out years down the road, and that could be even worse. See this article about dividing property for some examples.
  • Procedural frustrations. When I got out of law school, I didn’t even know how to open a case in court. So if you think the procedure is going to be easy for you, you’ve got another thing coming. It’s not like you just go to the clerk, handle your business, then appear in court to get divorced, and voila! There are certain items that must be turned in on a certain schedule, and in fact even getting a court date to finalize your case can be hassle. So if you want to screw up your life by messing around with corporate procedures, I guess handling your own divorce is something you want to do. But otherwise, it’s probably a bad idea.

You might want to check out this article about the REAL cost of uncontested divorce.

Dealing with loans and debt is a danger area

A primary area where people screw up when they are handling their own divorce is dealing with loans. Do you want to get stuck with loans that you meant to be your ex spouses responsibility? If not, then you probably don’t want to handle your own divorce.

Sometimes, dealing with loans requires detail. Many people don’t know that a judgment for dissolution (aka divorce decree), cannot regulate a third party. That means that a judgment dissolution cannot order a lender to do anything – a divorce is only between the two spouses. A lot of people don’t know that, including professional and divorce mediators who are not lawyers (see a bit more about that here).

If you and your spouse are both on a loan, meeting the loan is jointly titled, you can handle The responsibility for that loan various ways. Maybe after the divorce both of you will still be jointly responsible for it and pay equal shares. Or maybe you will handle it another way. Either way, things have to be spelled out in the proper manner with proper specificity. Otherwise, ambiguity is likely to create litigation in the future. And that could be very expensive. In fact, if you can cost much more to fight after a divorce is done then it costs to get an uncontested divorce in the first place.

Example of loans and debts in uncontested divorce in Illinois

In uncontested divorce in Illinois can involve various types of loans. An uncontested divorce lawyer will know how to properly deal with the various types of loans. Trust me, it’s not something you want to leave to Legal Zoom or some stupid online divorce website (see an article about online divorces).

Here are a couple of types of loans and death that are ofteninvolved in an uncontested divorce in Illinois:

  • Car loans
  • Mortgages on houses
  • Business loans
  • Personal loans
  • Credit cards
  • Student loans
  • Healthcare debt

How to get started with an uncontested divorce in Illinois

Well one thing you can do is contact us via text at 224-300-0529 or online. We basically have a pretty simple process where we started uncontested divorce in Illinois, and maybe one to two months later you can be divorced. Check out this article about the Illinois uncontested divorce process. Yeah, sometimes it’s quicker, and sometimes it’s longer. But I’m just trying to give you an idea of how long it takes.