Separation-agreement-without-lawyer

Can You Write a Separation Agreement Without a Lawyer

You can write your own separation agreement in Ontario without a lawyer, but it is important to understand the legal requirements and risks involved.

A separation agreement must be in writing, signed by both parties in the presence of a witness, and entered into voluntarily with full financial disclosure.

While it is possible to draft an agreement using templates, mistakes or omissions can make it unenforceable and may lead to costly disputes in the future. For this reason, having your agreement reviewed by a lawyer for Independent Legal Advice (ILA) is strongly recommended to ensure it is valid, comprehensive, and protects your rights.

How to Write a Separation Agreement without a Lawyer

The decision to separate as a couple is never easy. There are a whole host of things you will have to deal with, from how to take out time with children, if there are any, from the relationship, to how to unpick financial ties.

It can be difficult, and no matter how prepared you believe you are to deal with it all, it is easy to feel overwhelmed. At a time like this, you might think saving money by drafting a separation agreement without a lawyer from an online template is a good idea.

However, it could cause stress and upheaval later down the line. So here, we give you nine tips on how to write a separation agreement without a lawyer, and we also take a look at why it’s best to use a lawyer.

What is a Separation Agreement?

A separation agreement is a written contract between spouses or common-law partners that sets out how you will resolve issues such as property division, support, and parenting arrangements after separation.

For a full overview of separation agreements in Ontario, see our Separation Agreement in Ontario Guide

Legal Requirements for a Valid Separation Agreement in Ontario

Before you attempt to draft your own separation agreement, it is important to understand the minimum legal requirements under Ontario family law. If these elements are missing, your agreement may not be enforceable in court.

  • Voluntary agreement: Both parties must enter into the agreement freely, without coercion or pressure.
  • Full financial disclosure: Each spouse must honestly share all assets, debts, and income. Failure to disclose can lead to the agreement being set aside.
  • Written form: The agreement must be in writing; verbal agreements are not recognized.
  • Witness signatures: Each party must sign in the presence of a witness, who also signs the document.
  • Independent Legal Advice (recommended): While not strictly mandatory, most separation agreements are unenforceable without each party receiving independent legal advice (ILA).

Meeting these requirements is essential to protect your rights and ensure that the agreement will stand up in court if challenged.

Is a Separation Agreement Required?

No. There is no legal obligation to have a separation agreement in Ontario, and you can be legally separated simply by living “separate and apart.” You also do not need a separation agreement to obtain a divorce order.

However, a separation agreement is often essential in practice because it:

  • Records parenting arrangements and child support (which the court requires before granting a divorce where children are involved).

  • Sets out how property, debts, and spousal support will be handled.

  • Helps you avoid costly litigation by resolving issues in writing.

In short: while not mandatory, a well-drafted separation agreement is the most effective way to achieve a fair and enforceable settlement after separation.

A Separation Agreement without a Lawyer

Why Legal Advice Matters?

Even if you draft your own separation agreement, it is strongly recommended that you have it reviewed by a lawyer. Here’s why:

  • Legal expertise: A lawyer ensures your agreement meets Ontario’s legal standards and won’t be set aside in court.

  • Protection of rights: Without guidance, you may unknowingly give up entitlements related to property, support, or parenting.

  • Avoiding disputes: Clear, lawyer-reviewed agreements reduce the risk of future court battles over unclear or missing terms.

  • Independent Legal Advice (ILA): Courts often require proof that each spouse received independent advice. Without ILA, your agreement could be challenged and overturned.

Bottom line: You can draft your own agreement, but legal advice is what makes it enforceable and protects your long-term interests.

Alternatives to Doing It Entirely on Your Own

While some couples prefer to draft a separation agreement without a lawyer, there are practical alternatives that can provide guidance and reduce risk without the cost of full legal representation.

  • Mediation – A neutral professional helps both parties reach an agreement, without going to court.

  • Limited-Scope Legal Services – Hire a lawyer just to review your draft and provide advice, at lower cost.

  • Collaborative Help – Involve neutral experts (financial or parenting) before finalizing terms with legal review.

Even if you use one of these options, always have your agreement reviewed through Independent Legal Advice (ILA) before signing.

Infographic comparing alternatives to writing a separation agreement without a lawyer, including DIY agreement, mediation, limited-scope lawyer Write your own separation agreement

Checklist for Drafting a Separation Agreement

If you decide to prepare your own separation agreement, it is important to make sure you cover the basics. Missing information or improper drafting can lead to the agreement being challenged in court. Use this checklist as a starting point:

  1. Relationship details – Record the start date of your relationship and the date of separation.

  2. Financial disclosure – Provide full and honest disclosure of assets, debts, income, and liabilities.

  3. Property division – Specify how property, the family home, bank accounts, pensions, and other assets will be divided.

  4. Child custody and parenting time – Outline custody, decision-making responsibility, and parenting schedules.

  5. Child support – State the amount, frequency, and any provisions for special or extraordinary expenses.

  6. Spousal support – Address whether support will be paid, how much, and for how long.

  7. Debts and liabilities – Clarify who is responsible for existing debts or loans.

  8. Signing and witnessing – Both parties must sign the agreement in writing before a witness, who must also sign.

  9. Independent Legal Advice (ILA) – Have the agreement reviewed by a lawyer to ensure it is valid and enforceable.

This checklist provides a basic framework. Every family’s situation is different, so having your agreement reviewed by a lawyer through Independent Legal Advice is the best way to ensure it protects your rights and will stand up in court.

Risks of Doing It Alone

Drafting your own separation agreement may seem cost-effective, but it carries significant risks:

  • Unenforceable agreement – Courts can set aside agreements without proper disclosure, signatures, or legal advice.

  • Future disputes – Missing terms may lead to arguments and costly litigation later.

  • Delays – Incomplete or unclear agreements can slow down divorce or custody proceedings.

  • Unfair results – Without independent legal advice, you may unknowingly give up important rights.

Even if you draft your own agreement, always have it reviewed through Independent Legal Advice (ILA) to ensure it is valid and enforceable.
Risks of DIY Separation Agreement - Infographic showing risks of a DIY separation agreement: unenforceable, costly disputes, delays, and unfair outcomes.

Get Peace of Mind With Professional Help

While you can prepare your own separation agreement, having a lawyer review or draft it ensures it is enforceable and protects your rights. At Shaikh Law Firm, we offer clear, flat-fee packages so you know exactly what you will pay with no surprises.

Choose your package

legal fees

Independent Legal Advice (ILA Only)
$ 630 + HST
  • Flat Legal Fees
  • Review by Separation Agreement Lawyer
  • Uncontested Separation Agreement
  • Confirmation of Financial Disclosure
  • Certificate of Independant Legal Advice
  • Advice on Child Custody
  • Advice on Spousal Support
  • Advice on Division of Property
  • Review of Drafted Agreement
  • No Drafting of Financial Statements
  • NO Negotiation of Terms
  •  

legal fees

Uncontested Separation
$ 1890 + HST
  • Flat Legal Fees
  • Drafted by Separation Agreement Lawyer
  • Uncontested Separation Agreement
  • Five revisions INCLUDED
  • Certificate of Independant Legal Advice
  • Child Custody
  • Child Support
  • Spousal Support
  • Division of Property
  • Drafting of Financial Statements
  • NO Negotiation of Terms
  •  
Popular

legal fees

Negotiated Separation
$ 3000 + HST
  • Estimated Legal Fees
  • Drafted by Separation Agreement Lawyer
  • Negotiated Separation Agreement
  • Revisions as required
  • Certificate of Independant Legal Advice
  • Child Custody
  • Child Support
  • Spousal Support
  • Division of Property
  • Drafting of Financial Statements
  • Negotiation of Terms INCLUDED
  •  

FAQ

Most frequent questions and answers

A good Separation Agreement must include terms on Child Custody, Child Support, Spousal Support, Division of Property, Pension, Dispute Resolution & Divorce, if applicable.

People create a separation agreement to avoid extensive litigation costs. If you can resolve major terms of separation by way of an agreement you can save thousands of dollars in legal costs, which could be better spent on the family rather than in courtrooms.

You can be considered separated while living on the same property. For example, if you move to a separate bedroom or part of the house, such as a basement, then such a move within the home is considered a formal separation. You can record your separation within the house by exchanging an email with your spouse or partner that the date you moved to another room is to be treated as a separation date.

No, You do not need a lawyer for a Separation Agreement in Ontario. A separation agreement is valid as long as it is signed and witnessed by the parties. However, it is highly recommended to have a lawyer because your spouse or partner could trick you into signing an illegal agreement that is not in your best interest. Therefore, a separation can easily be challenged as not legally binding. 

Click Here to Learn 9 Tips on How to Write a Separation Agreement without a Lawyer.

You do not need a separation agreement before divorce in Ontario. However, if you have children, then your divorce may not proceed without an adequate arrangement for child support, which ideally should be part of a separation agreement. Therefore, if you have children, then it is beneficial to have a separation agreement before you file for divorce in Ontario.

The cost of a Separation Agreement in Ontario varies depending on whether you are using a Lawyer or you are working based on a Separation Agreement Template Online. Sometimes Separation Agreement Templates are Free. Some basic Separation Agreement Template online would cost between $30 to $50 whereas a Lawyer’s Legal Fees for a Separation Agreement would be $999.00 to $3,000.00 + Taxes depending on the complexities of the Agreement.

A husband is expected to support his wife during separation if she is entitled to spousal support in accordance with spousal support guidelines. The basic criteria are if the wife is financially dependent on marriage, then the husband has to support his wife during separation. For example, the wife was not working, but looking after the children during the course of the marriage or her income was significantly less than the husband’s income.

In the eyes of the law, both spouses or partners get to stay in the house during separation, since the house is their matrimonial home. It does not matter if the matrimonial home is rented or owned. Therefore many separating parties decide to stay in the same house until the separation agreement is finalized.

A court of law can terminate a separation agreement if the Judge is satisfied that either;

  1. The Parties to the Separation Agreement did not make a full and frank financial disclosure. One of the parties did not provide a complete list and value of all assets and liabilities, including complete details of the expenses and support received from the Government, Or
  2. The terms of the Agreement are not in the best interest of the Child, Or;
  3. The terms of the Agreement are unfair in the eyes of the law, such as a situation where one spouse gives up on her lawful right for spousal support without any compensation whatsoever, causing her to face hardship

Yes, a Separation Agreement is legally Binding in Ontario. In fact, Judges, as well as the Legislature, encourage parties to settle their disputes by way of a Separation Agreement. Since it gives the parties sufficient opportunity properly negotiate the terms of the agreement.  The Family Law Act, R.S.O. 1990 specifically states that a separation agreement would prevail over the provision so the Law was passed by the Parliament.  It is stated under 2(10)of the Family Law Act, R.S.O. 1990 “A domestic contract dealing with a matter that is also dealt with in this Act prevails unless this Act provides otherwise.  R.S.O. 1990”.

In a number of court decisions, Judges have shown their inclination to upload the terms of the Separation Agreement. It would be safe to say that as a General Rule a Separation Agreement is Legally binding in Ontario. In some situations, a Judge can set aside terms of a Legally Bind Separation Agreement if the Judge is satisfied that either;

  1. The Parties to the Separation Agreement did not make a full and frank financial disclosure. One of the parties did not provide a complete list and value of all assets and liabilities, including complete details of the expenses and support received from the Government, Or
  2. The terms of the Agreement are not in the best interest of the Child, Or;
  3. The terms of the Agreement are plainly unfair in the eyes of Law, such as a situation where one spouse gives up on her lawful right for spousal support without any compensation whatsoever causing her to face hardship.

A simple answer to this question is that No, you do not need to notarize a Separation Agreement. 

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As per the Laws in Ontario, Canada, parties are not obligated to enter into a Separation Agreement. Therefore,  if the spouse won’t sign the separation agreement in Ontario, then you would have to litigate the matter before family courts. 

 

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A Separation Agreement must be witnessed by any person above the age of 18.

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Yes, we offer Flat Fee Separation Agreement to our clients. 

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