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If you’re about to start, or are currently going through, divorce proceedings, you’re probably worrying about how to pay for your divorce. We understand just how stressful this can be and that is why we offer a range of innovative legal loans. These legal loans come equipped with comprehensive payment plans designed to make your divorce procedure as painless as it can be. Our firm belief is that no one should be denied access to proper legal representation just because they can’t afford legal fees. Legal Cost Finance’s legal loans give you the breathing room you need to focus on the case, and not whether you can afford a lawyer. Get started with a Legal Cost Finance legal loan today, or for more information, contact our team of experts on 020 3376 1888.

Which legal loan is right for you?

Facing or tackling a divorce procedure is a daunting experience; doubly so if you don’t think you can pay for a quality lawyer. If this sounds like you and you don’t have access to significant assets, you might want to consider our LawPlan Classic payment solution. With it, you can get an easily repayable legal loan that allows you to finance the representation you need. It also comes with a cost-neutral repayment scheme, which basically means that you can pay for your legal loan effectively interest free for the first 12 months. This is because most lawyers are willing to discount their fees to offset the interest rate on your payment plan. With a legal loan from Legal Cost Finance, you can rest assured knowing that we’ll pay your lawyer’s fees in full and on time. Choose a payment plan that suits you, choose Legal Cost Finance.

Types of divorce

Such is their complicated and sensitive nature, divorces aren’t usually quick and simple. In fact, there are all sorts of different divorces and each one requires a unique approach from a talented solicitor. It is important to be aware of the different types of divorce as knowing exactly what you’re getting into can give you a better chance of success. As well as this, it gives your solicitor a clearer picture of your personal situation. Let’s look at some of the different types of divorce:

Contested Divorce

If either you or your spouse can’t come to a definitive agreement, then your divorce is considered contested. Contested divorces are complicated processes and generally speaking, are more expensive and typically require lengthier cases. It is strongly advised that you seek advice from a dedicated divorce lawyer as soon as you can, because you need someone to represent your rights and ensure they are protected throughout the court sessions and settlement negotiations.

Uncontested Divorce

In an ideal situation involving a divorce, you and your partner should be seeking an amicable conclusion. This is known as an uncontested divorce and it is (or should be) an uncomplicated process that typically avoids going to trial. However, you should be mindful of the fact that an uncontested divorce is not a no-fault divorce; there are still various aspects to consider. In England and Wales for example, couples cannot claim ‘irreconcilable differences’ or ‘irremediable breakdown’ as legally binding grounds for divorce.

Do it yourself divorce

It is entirely possible to deal with the divorce process by yourself, although this is not advised unless you have a good knowledge of the law. Of course, you’ll still need to pay for the legal fees, including court appearances. If you need help financing your DIY divorce, we can help through our convenient payment plans. We can also provide considerate advice on the divorce proceedings, so contact us on 020 3376 1888.

Divorce Costs

If you are concerned about the legal fees involved, our consultants will suggest a sensible solution to help you get expert representation in the most convenient and affordable way. If your divorce involves division of a matrimonial asset (e.g. a home or other property), but you have no income to pay your legal fees, we may be able to cover 100% of your legal costs immediately, and you won’t need to make any repayments until your case is over. The first step in a divorce process is applying for the divorce petition. This application is sent to the court together with the petitioner’s marriage certificate.

Simple Divorce – Assets under £500k

Representive Standard Payment Plan

Total legal costs (including fees and disbursements)
£12,500.00
Upfront fees
£0.00
Monthly Payments
£238.76
Representative APR
5.5%
Total cost of payment plan*
£14,325.60

Total cost based on payments spread over 5 years. Payment plans can be repayed earlier from award of proceeds at no or little cost with interest adjusted accordingly.

Average Divorce – Assets £500k – £1.5m

Representive Standard Payment Plan

Total legal costs (including fees and disbursements)
£35,000.00
Upfront fees
£0.00
Monthly Payments
£668.54
Representative APR
5.5%
Total cost of payment plan*
£40,112.40

Total cost based on payments spread over 5 years. Payment plans can be repayed earlier from award of proceeds at no or little cost with interest adjusted accordingly.

Complex Divorce – High Value Assets

Representive Standard Payment Plan

Total legal costs (including fees and disbursements)
£150,000.00
Upfront fees
£0.00
Monthly Payments
£1627.89
Representative APR
5.5%
Total cost of payment plan*
£195,346.80

Total cost based on payments spread over 5 years. Payment plans can be repayed earlier from award of proceeds at no or little cost with interest adjusted accordingly.

Complex Divorce – High Value Assets

Representive no Monthly Repayments, Assignment on Award.

Total legal costs (including fees and disbursements)
£150,000.00
Upfront fees
£0.00
Monthly Payments
£0.00
Representative APR
12%
Total cost of payment plan*
£169,464.48

If you have a claim over a matrimonial asset (e.g. a home or other property), but have no income to pay your legal fees, we may be able to cover 100% of your legal costs immediately, and you won’t need to make any repayments until your case is over. Speak to one of our consultants now.

What happens after a divorce is decided?

First and foremost, you need to break the news to your spouse. If your marriage has regressed to a stage where a divorce is wanted, chances are your spouse will have some idea of what’s coming, but it is still important to approach the announcement with consideration. If you plan to work with a lawyer, you could get them to word a well-mannered letter informing your spouse that you have filed for a dissolution of your marriage. It could also be a good idea to express that you wish to keep the process amicable; sometimes starting off on the right foot is the best way to reach a swift and (hopefully) painless conclusion.

If you have children, then you will need to tell them too. Obviously this can be a particularly difficult thing to do, but if you remain calm and explain the divorce in a way they can understand, then they’ll forgive you. Unless it simply isn’t possible, you should try to explain the divorce to your children with your spouse. Make sure to stress that the divorce is not their fault and that neither parent is given the bulk of the blame. Also, try to avoid giving them details they don’t need, such as information about affairs.

Remember, talking to teenagers about a divorce is an entirely different experience to talking to young children. Prepare yourself for the possibility that their reaction might be upsetting, especially considering the fact that teenagers are already dealing with the difficulties of being a teenager. Give them plenty of time to process the news and let them know that you’re always available to talk, when they’re ready.

Living arrangements

Another essential aspect of the divorce process to work out is the living arrangements of both parties. One thing to consider as well is the possibility that you and your partner could end up having to remain in the same house, which might well be necessary in order to save money. Whilst potentially frustrating, it can have the benefit of smoothening the transition to divorce for your children. Rules will need to be set in place though. For example, will either party be allowed to bring a date back to the house? What about allocating time with children? Expenses have to be considered too.

A lawyer or mediator can help both parties reach an agreement if the decision to remain in the same house is made. These agreements must be drawn up in a legally-binding contract and entered before the court to ensure the rules are set in stone.

Your divorce procedure can involve negotiation, litigation or alternative dispute resolution (such as arbitration or mediation). If you need help financing your legal fees, contact a member of our team today on 020 3376 1888 and we’ll provide impartial information.

Decree Nisi

A decree nisi is a court document that states there is no reason why a couple can’t divorce. The judge can make the decision on whether to grant a decree nisi, even if the spouse has appealed to defend the divorce. The petitioner will sign a statement confirming the validity of the divorce petition. The court will then issue a certificate telling you when the decree nisi will be granted. After a six-week period the petitioner will then be able to apply for a decree absolute.

Decree Absolute

When the couple receive a decree absolute it is the final legal document in your divorce proceedings. After the court sends you this document you’re officially divorced and are free to marry again should you choose to do so.

Usually, an undefended divorce process will take between 4-6 months to reach a decision. If you are concerned about the legal fees involved, our consultants will suggest a sensible solution to help you get expert representation in the most convenient and affordable way. We may be able to cover 100% of your legal costs, without you making any repayments until your case is over. Please get in touch with one of our experts now on 020 3376 1888.

During the divorce process, you may also want to start making arrangements for child custody, property and financial assets. If you are currently finding it difficult to reach an agreement with your spouse, you should consider contacting a family lawyer or legal representative immediately to find constructive solutions on family disputes.

Get through your legal matter with the help of a payment plan – and get on with life.  

We provide payment plans to cover your legal costs, so you can get the legal support you require – without the need for large up front payments.

Your legal process can involve negotiation, litigation or alternative dispute resolution (such as arbitration or mediation).

We will connect you with a lawyer who specialises in family law matters and who is right for your individual circumstances.  If you have already appointed a lawyer, we can still offer you a payment plan solution and will make all the necessary arrangements with your lawyer on your behalf.

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Which plan is for you?

Whether you’re an individual or a business, we have a plan that’s right for your specific requirements and circumstances

CLASSIC LAWPLAN

  • If you have limited access to funds, this plan may be for you.
  • Unsecured financing, in both contentious and non-contentious cases.
  • Cost-neutral payment plans available with no interest payable for the first 12 months.

PREMIUM LAWPLAN

  • If you simply prefer to spread your costs by instalments.
  • Secured and unsecured financing options.
  • Available for individuals and businesses with contentious and non-contentious legal matters.

ADVANCED LAWPLAN

  • If you have assets, but have limited access to funds.
  • Innovative financing alternative enabling you to pay at the end of your legal matter.
  • Proceed confidently and affordably without giving up large portions of your settlement.

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