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However, it can be a relatively easy process where both spouses desire an amicable parting, or it can be hell-on-earth where one or both spouses are out for blood.

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However, you can contact the institutions where you have joint accounts and inform them of the situation.

They may be able to limit access to the accounts and thereby prevent you or your spouse from depleting them.

Especially in community property states, this step is extremely helpful for protecting your income, your sanity, and preparing you to live life on your own.

Once a date of separation is established, your spouse can no longer claim half of your income as theirs, or any new assets you acquire with that income. A move to your own apartment, new home, or even back to your parents house makes it clear that you and your spouse are no longer functioning as a couple.

You might need the card for an emergency in the very near future. That being said, a good lawyer is simply not an option for many people.

Mediation and arbitration are less expensive and less time-consuming options that occur outside of a courtroom.

On the other hand, if you live in a “separate property” state, generally everything with your name on it belongs to you.

How property is treated in your state will affect how you proceed with protecting yourself.

Do not authorize your spouse as a user or joint account holder. And don’t speak poorly of or cause major issues with your spouse.

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