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Joint Accounts During Divorce Process

Joint Accounts During Divorce ProcessFinancial talks during a divorce are inevitable and handling joint accounts during the divorce process is one of the most important topics that you and your ex-partner should talk about. Once the divorce process starts, you and your ex-partner will have to settle how to distribute any of your joint financial accounts, savings accounts, investments, and properties.

Financial arguments are one of the leading causes of divorce in America. If you and your partner were always arguing about money during your marriage, preparing your finances prior to divorce may be a major concern. Don’t let your divorce be a cause for more disagreements with your partner. Settle your joint accounts and learn to seek financial independence for yourself. This article gives helpful tips on how to prep finances for a divorce and seek financial independence.

Before filing for a divorce, assess both the financial accounts of you and your partner. Consult with a financial advisor to find out what benefits and assets you’re entitled to.

Important Things to Consider and Prioritize When Handling Joint Accounts and Other Finances

Divorce can be expensive and the smart thing to do is to secure your half of the money from your joint accounts to cover the divorce process expenses prior to divorce taking place. Take note that these withdrawals can only be done prior to filing of divorce. This is all just about financial planning.

Once you file for a divorce, you will no longer have access to your joint accounts through an Automatic Temporary Restraining Order (ATRO). This Forbes article gives helpful tips on when you can withdraw funds and how much you can withdraw from joint accounts.

Once the divorce process starts, you will have to deal with other issues concerning joint accounts such as bank account separation, joint investments and other accounts such as utility and phone accounts.

  1. Bank Account Separation

Whether it is a bank account or a joint credit card account, it is always advisable that you make sure the bank freezes your account to ensure that no transaction can take place. During this process, you should also be able to open up a new checking and savings account in order to have a place to put your own money.

  1. Joint Investments

You should have a complete record of all your assets. Inform your broker or financial officer of the divorce process that you are currently in. For joint investments, it is best that you ensure that no stocks or holdings get transferred with the written and formal consent of both parties.

  1. Mortgage and Rent Payments

When it comes to paying your mortgage, it is best to work out an arrangement with your ex-partner about who gets to keep the house. If you’re not on peaceful terms with him or her, you can request a judge to mandate that your property goes on sale in order to expedite the settlement process.

  1. Joint Phone Accounts and Utility Accounts

Upon filing of divorce, do not forget to call your cellphone line providers and to remove your name on joint accounts or ultimately close the joint accounts. This also applies to home utility accounts in order to not be held liable for cost of utilities that you will not be using.

The last thing you would want from a divorce is to end up with nothing. It is best to work with your ex-partner and resolve financial concerns. It will be unhealthy for both of you and your kids, if you have kids, if you do not settle this early in the divorce process. Divorce isn’t easy and settling your accounts is a lot of work. But in the end, these are just measures to protect yourself and regain your financial independence.


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