9 Tips on How to Write a Separation Agreement without a Lawyer

The decision to separate as a couple is never an easy one to make. Whether your decision was made by both partners or just the one, 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 a difficult time 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 from an online template may be a good idea, but in actuality, it could cause you stress and upheaval later down the line. Here, we take a look at why it’s best to use a lawyer for any separation agreement in Ontario as opposed to going it alone at a time when you’re likely to need all the support you can get. We will also give you 9 Tips on how to write a Separation Agreement without a Lawyer in this Article.

What is a Separation Agreement?

A separation agreement is an agreement in writing between spouses as well as common-law partners who have either separated or are in the process of separating. In general, the agreement will look to establish the rights of each spouse/partner. These rights include, but are not limited to, which spouse will remain in the family home, how any property is to be divided, who will take on responsibility for and pay any family debts, who will be responsible for any child and spousal support payments that are required, which spouse will have custody of any children and what type of visitation rights the other parent will be given.

Is a Separation Agreement Required?

The writing of a separation agreement is entirely voluntarily and under Canadian law it is not required in order to determine a separation that is legal. Whether there is an agreement in place or not, a separation becomes legal at the point where the two spouses begin to live in separate dwellings and at least one of them does not intend to move back into the family home.

Whilst a separation agreement isn’t required, it does help to solve many of the problems that occur during a separation and helps to make a difficult time that little bit easier.

Why you need a lawyer

Whilst you may find generic templates on the internet that talk about how to write a separation agreement without a lawyer, no relationship is truly generic, and there are likely to be intricacies that won’t be covered in such an agreement. Your separation agreement is not something you should take lightly and it is important that every detail is taken care of. Without any legal experience, you’re unlikely to know of the potential stumbling blocks of such an agreement. With this in mind, we’ve listed a few of the possible reasons you would want to look for a lawyer to draft your separation agreement, rather than going it alone.

A Separation Agreement without a Lawyer

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9 Tips on How to Write a Separation Agreement without a Lawyer

Tip 1: Covering the financials

In order to write a separation agreement that is legally binding it is important for both spouses to be completely honest about their circumstances – including their financial situation. If you are not absolutely sure that your spouse is being clear on their finances with you, it can cause a lot of upset emotional as well as legal. A Separation Agreement can be set aside by Courts of Law if the Judge finds that one of the spouses/ partners was not completely honest and failed to disclose material financial assets and information. This is Misrepresentation fact and can have a Separation Agreement trashed into pieces.

Taking advice and assistance from a Separation Agreement Lawyer, in this case, is the best thing to do as if a person who is being less than honest with their former spouse about their financial position is more likely to reveal all if they know you have a backup from a legal standpoint. Your lawyer should make sure that both parties have completed a Financial Disclosure Form and have dully signed and commissioned it as per the requirements of Law. If you are doing it yourself then you would need Form 13 for mere support and 13.1 for support and property to be filled out and commissioned.

Tip 2: Start and End date of the Relationship

Make sure you have a start and end date of the Relationship. In some cases, parties may be living together before getting married. In such situations, you would enter the date when you started to live together even if you were not married. You would also need to insert a separation date because the division of property is to be calculated based on the date of separation.

Tip 3: Equal Division of Property

Under Canadian Family Laws, there is a general presumption considered that there shall be an equal division of all assets and liabilities as of the date of separation. Although it is possible to divide property unequally under Family Laws and your lawyer should be able to help you prepare a separation agreement based on an unequal division of property legally.

Tip 4: If you both want to stay in the family home

Most people assume that one or the other spouse has to leave the family home before you can be considered legally separated. In fact, this is not the case. A lawyer can explain what constitutes ‘living apart’ while being under the same roof, meaning that you can be separated in the legal sense sooner than the time it takes for you or your spouse to make other living arrangements. The details of these complexities of living in the same home but apart can be explained and settled on for the separation agreement, but it can be complex to decide on the details, and a lawyer can provide advice as to how this should work.

Tip 5: There are children involved

No parent knows how they are going to feel once they have to see their children on a part-time basis should they choose to separate. This is a common theme across separations and divorces in Ontario and all over the world. Parents agree between themselves how to make child sharing arrangements, but then one or the other parent misses having the children as much further down the line and this can lead to numerous arguments and legal wrangles over custody. Agreeing what is fair and right can be complex when it comes to children and your lawyer will be able to advise you on the best way to work it out without having to keep going back and forth over custody arrangements.

Tip 6: It can get emotional

Generic templates that you might find on the internet may well have been put together with the intention of assisting those people who are looking to separate. However, every case is different and separating can be a very emotional time. Even the most level-headed of people can lose their calm when in the process of separation, whether it is over a custody arrangement, a financial proposal or who will move out of the family home and when. This is why having a third party who does not have any emotions invested in the relationship is the best choice to help with the drawing up of an agreement. Your lawyer will be able to advise you whether you or your spouse is being fair and will be able to draw on the experience of working with other couples to advise you as to whether what you are proposing to agree is out of the ordinary and could lead to problems further down the road.

Tip 7: Certificate of Independent Legal Advice

It is crucially important that both parties to the agreement get a Certificate of Independent legal Advice and have it attached with the Agreement as part of the annexures. Many online articles suggest that it is not necessary to have a lawyer review your separation agreement but they do not know the case law on this topic. At Shaikh Law, we are an experienced lawyer who deals in the Separation Agreement and Divorce on a regular basis. If no Certificate of Independent Legal Advice is attached then one of the spouses/ partners can easily claim he/she did not understand the terms of the agreement which is sufficient ground to set aside a valid agreement.  Both parties would need to get an independent and separate lawyer to review the agreements and advise them. The Lawyer will make sure that proper financial disclosure is made and would confirm with the parties that they were not forced to enter into the agreement.

Tip 8: What topics a Separation Agreement should contain

A Separation Agreement should ideally cover the following topics and narrate what the parties have decided about the following issues.

  1. Child Custody
  2. Child Support & Spousal Support
  3. Access
  4. Family Home & Division of Property  and
  5. Pension Plans
  6. Who will file for Divorce and cost of paying for Divorce as well as co-operation for Signing Divorce Papers


Tip 9: Seek Legal Advice

If you and your spouse have recently separated or are about to separate, then it is a good idea to make an appointment to see a lawyer. Seeking legal advice will help you to get a good understanding of the legal rights in regard to your circumstances, this will allow you to make sure that your interests are properly looked after. You should always make sure that you are receiving the most appropriate legal advice for your circumstances. There is too much to lose both financially and emotionally that it is simply not worth risking completing a separation agreement on your own.

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