Law Office of Joanne Kleiner

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Sep 05

Should You Try a Divorce À La Carte?

Everything You Need to Know About Unbundled Divorce Services

Did you know that the average divorce can cost many thousands of dollars or more? However, you don’t need to let concerns about this keep you from divorcing a problematic partner. A trend called divorce à la carte, or unbundled divorce services, can save you money.

What Is Divorce À La Carte?

This type of divorce gets its name from restaurants’ à la carte pricing scheme. In à la carte pricing systems, customers pay per item instead of paying a flat fee for an entire meal. When it comes to divorce, the concept is much the same. Typically, people who get a divorce agree to a flat fee or an hourly rate that covers all attorney services. They agree to pay a set sum and then the lawyer handles every part of their divorce.

In an à la carte divorce, the client pays only for specific services. This type of legal arrangement is technically referred to as unbundled legal services. Your lawyer will give you a list of different services to pick from, and you pay them only for those activities. Anything the lawyer doesn’t handle will be left up to you and your ex-partner. Depending on your needs, you might want to pay for one or more of these services:

  • Drafting legal documents
  • Reviewing legal agreements and explaining them
  • Negotiating with the other side
  • Collecting evidence on your behalf
  • Representing you in court
  • Filing documents with the court

Benefits of Using Unbundled Divorce Services

The main benefit of this divorce method is that it’s very affordable. Since you have to pay only for the things you need help with, you save a lot of money. Especially if your divorce is simple and non-contentious, you can easily handle things like asset division yourself. You just pay a relatively small amount for paperwork instead of spending thousands of dollars on services you don’t really use. If you’re looking for a less-expensive divorce, unbundled legal representation is definitely the way to go.

Many people also like that this method puts them in charge. You don’t have to sit back and wait to hear from your lawyer all the time. Instead, you set up your own timeline and decide what needs to be done. The divorce lawyer is there to provide support as needed, but you remain in control.

In some cases, a divorce à la carte is also faster. When a couple starts disagreeing and getting into lengthy legal fights, the process can drag on for months. However, if you and your estranged spouse can work together, an unbundled divorce can be quite fast. You don’t need to wait on your respective divorce lawyers to have a free schedule, and you don’t spend a lot of time in formal negotiations. In many cases, people are able to quickly sort out the details, spend an hour or two getting basic help from a lawyer, and then have things promptly filed with the court.

How Much Do You Have to Do Yourself?

Keep in mind that these cost savings do come with some extra responsibilities for you. This type of divorce is often called a DIY divorce because you and your spouse will handle a lot of the details yourself. The more you manage yourself, the less you have to pay your lawyer. Depending on your situation, you might want to handle one or more of these following tasks:

  • Discussing fair ways to divide assets
  • Submitting prepared paperwork to the court
  • Collecting documentation on all debts and assets
  • Drafting preliminary child custody agreements
  • Communicating with your ex and their lawyer
  • Filling out basic paperwork

If you’re considering this type of divorce, the Law Office of Joanne Kleiner can help. We offer a variety of flexible pricing options, so you can find the services and fees that fit your situation. To learn how much a divorce à la carte would cost at our Jenkintown law office, schedule a consultation today. Call 215-886-1266 or fill out our contact form to learn more about our pricing options.

Aug 05

How Will a Divorce Impact My Financial Future?

How Will Divorce Affect My Finances?

Money is among the top three reasons why people choose to divorce. Unfortunately, the process of divorce itself can cause significant financial difficulties for one or both parties, as net worth typically drops by at least 50%. Divorce has immediate, short-term and long-lasting impacts on your finances, but working with a divorce lawyer and using an out-of-court mediation or collaborative process may help mitigate the effects of divorce on your bottom line.

Paying for a Divorce

Using an alternative dispute resolution process helps you stay out of the courtroom during divorce proceedings. However, you’ll still have to pay for legal representation, court fees and other expenses related to the divorce, such as document preparation fees. Depending on the length of your divorce process, how long it takes you and your spouse to agree to terms and whether or not there are child custody issues, paying for a divorce may be a considerable expense. Some people need to take out personal loans in order to pay for these costs.

Increased Costs of Living on Your Own

During a marriage, the costs of housing, utilities and food are typically shared. Maintaining two separate households costs more than one larger household in most situations. After a divorce, at least one party typically moves out of the family home. If you’re the one moving into a new residence, you’ll have to come up with the funds for a security deposit, utility deposits and more.

Lower Standard of Living

After a divorce, your standard of living is likely to drop. You may have less disposable income for restaurants, clothing and other niceties. Many people have to downgrade their vehicles, move to a lower-cost neighborhood or a smaller home and forego services, such as cable, television subscriptions or gym memberships. If you were a stay-at-home parent, your lifestyle could change drastically if you have to search for a job after being out of the workforce for a while.

Decrease of Your Net Worth

Your net worth includes real estate, investments, vehicles, jewelry, cash and other items of value. In most divorces, those assets are split between the two parties. Your net worth may drop by 50% or more. If you must pay spousal or child support, or if the court awards your ex-spouse more than 50% of the marital assets, your net worth could drop even further. With a lower net worth, you might find it more difficult to borrow money for personal needs, take on a mortgage or secure a business loan.

Difficulty With Sudden, Unexpected or Large Expenses

Married couples often have two incomes, which makes a sudden or unexpected expense less of a catastrophe. For example, when a married couple needs to replace the roof on their home, securing a loan or paying for the roof with monthly payments or cash on hand is usually a doable situation. If you had to pay to replace a leaking roof on just one income, the situation could be more challenging. You’ll also need to consider how divorce will impact other large expenses, such as paying for a child’s college education, replacing a vehicle or getting a new furnace.

Depleted Savings and Investments for Retirement

Pensions, Social Security benefits, stocks, investments and retirement accounts are all counted by the court when determining assets. Your ex-spouse may claim part of your pension funds, leaving you with less money for retirement. Many people dip into their 401(k) accounts in order to pay for their legal expenses or to purchase a new residence after a divorce. Depleting your retirement account may incur penalties and fees, especially if you’re younger than age 59 1/2. Your emergency fund may be depleted, and restoring it on your income alone could be a difficult task.

If you’re considering a divorce and have concerns about the financial impacts, you may benefit from an appointment with a Pennsylvania divorce lawyer. Call the Law Office of Joanne Kleiner at (215) 886-1266, or fill out our contact form to request a confidential consultation today.

Mar 22

The Advantages of an Uncontested Divorce

The Benefits of Getting an Uncontested Divorce

About 50 percent of married Americans end up getting divorced at some point in their lives, and despite the common misconception that divorce is about conflict and winning, the truth of the matter can be very different. Through cooperation and striving for a mutually beneficial scenario, some couples can arrive at a divorce settlement that is amicable for both parties. If they can, they eliminate the necessity of going to court, and cases such as these are known as uncontested divorces.

What Does the Process Involve?

In any divorce, contentions and discussions regarding the settlement tend to fall into one of four categories:

  • Distribution of shared debt
  • Division of marital property
  • Custody and care of the children
  • Child support or spousal maintenance

When two individuals agree on most things in all four of these categories, they can avoid going to court and standing in front of a judge. Instead, they can work out the difficulties on their own and solve everything between themselves. This makes the entire process less hostile and allows it to wrap up much more quickly.

Which Couples Are Eligible?

Obviously, this type of divorce requires two mature adults who understand that their marriage is over and who both wish to move on with their lives. A big part of this scenario is learning to let the other person go. Both parties must be able to set their emotions aside in order to tackle the problems at hand in an objective fashion. Furthermore, it is important that both sides approach the negotiation as equals. In other words, there should be no imbalance in the power dynamics between the spouses. This could lead to a skewed agreement in which one party or the other might be pressured into granting concessions he or she would not have otherwise made. In cases such as these where a fundamental inequality exists in the relationship, a trial might be more appropriate. Although some attorneys will agree to act as a mediator for both sides, it is usually advisable for each one to retain separate counsel. Regardless of how civil the people involved may be, divorce is an adversarial proceeding after all, and the process can often be facilitated by each party having a lawyer present to ensure that his or her best interests are being sufficiently protected.

What Are the Benefits?

A no-fault divorce that is uncontested can be finalized in approximately 90 days. The process can be quick and quiet. It can allow a marriage to end with dignity and away from public view. A settlement that is arrived at courteously behind closed doors is less contentious and far more shielded from unwanted scrutiny. Solving things on your own will always be significantly cheaper than going through a court appearance that can drain precious resources and present unpleasant surprises. When the couple divorcing can cooperate on settling the family’s basic needs, they will not only minimize the conflict but also the costs.

How Do We Proceed?

In the event that you opt for this relatively painless method of ending your marriage, you must reach an agreement with your spouse. The two of you will have to do most of the hard work yourselves. You must first sit down together without undue recrimination and have a rational discussion. If you can reach a fair and equitable compromise on each of the major elements that have been shared and must now be distributed, there is no reason to make the separation more unpleasant than necessary. Your respective lawyers can prepare the documents and file them on your behalf. In a relatively short time, your divorce will be granted. If you’d like to deal with legal professionals who have experience handling uncontested divorces, contact the Law Office of Joanne Kleiner in Jenkintown, Pennsylvania, today at 215-886-1266. We’ll schedule a consultation.