In Illinois, divorce, marriage, child support, and child custody are governed by the Illinois Marriage and Dissolution of Marriage Act (750 ILCS 5/1 et seq.).
WHAT IS A "DIVORCE"?Typically in the divorce the parties and/or court resolve all issues between them, such as division of property, child custody and visitation, and spousal and child support. |
Alimony, now known as maintenance is discretionary and up to the judge. The Court will look at the following factors to determine whether to give maintenance to a party:
It depends on the circumstances. Simple divorces can take 2-6
months. Complicated and contested divorces can take much longer.
Issues of child custody can also significantly lengthen a divorce proceeding, as
can fights over the equitable distribution of marital property.
That depends on the number of kids. The amount of child support determined by statute and is based on the supporting party's net income. The current rates are: 1 child - 20%, 2 children - 28%, 3 children - 32%, 4 children- 40%, 5 children - 45%, 6 or more children - 50%.
Remember, that this amount is based on the net income of the supporting party. Federal and state income taxes, Social Security taxes, Medicare taxes, health insurance, union dues, and other mandatory expenses are subtracted from that party's gross income.
Illinois employs what
it calls "equitable distribution" in dividing marital property as a
result of the dissolution of marriage (divorce). Instead of a strict fifty-fifty
split (in which each spouse receives exactly one-half of the marital or separate
property), equitable distribution looks at the financial situation that each
spouse will be in after the termination of the marriage. While equitable
distribution is more flexible, it is harder to predict the actual outcome, since
the various factors are subjectively weighed. Factors considered in equitable
distribution include:
No, non-marital property is not subject to division. That is, upon divorce, non-marital property goes completely to the spouse who owns it. Non-marital property is property acquired in any of the following ways:
Remember though, that for the
property to remain separate, the spouse must keep it apart from marital or
community property; that is, s/he would keep it entirely in his/her name. Once
the separate property has been commingled (mixed) with marital or community
property, it becomes part of the marital property.
For example, consider a bank account with $10,000 in it owned by woman before
her marriage. This woman then marries and both she and her husband regularly
deposit their respective paychecks into the account and periodically withdraw
money to pay for their living expenses. At the time of separation twenty years
later, the bank account has $5,000 in it. Since marital property has gone into
it (deposits of the paychecks and marital or community debts have been paid from
it is impossible to trace the original separate property money from that of
marital or community property. The result is that this bank account has changed
from separate property to marital property.
WHAT ARE SOME COMMON ARRANGEMENTS FOR CHILD VISITATION?Child visitation, often pursuant to a parenting plan, can take a variety of forms or schedules. Some common arrangements include some of the following provisions:Alternate weekend visitation with the non-custodial parent, including "three-day holidays" Mid-week visitation with the non-custodial parent Sharing of the child during periods of school recess -winter, spring and summer New Year's Eve, Easter, Rosh Hashanah and Yom Kippur, Thanksgiving, and Christmas with one parent or the other in alternate years Mother's Day with Mother, Father's Day with Father Alternate years on the child's birthday Open telephone contact by the parent who does not have actual physical custody of the child Exchange of a few days of visitation here and there as mutually agreed without the need for a change or modification of the court order |
This is the
ideal situation. Absent extenuating circumstances (such as abuse or neglect),
the parenting plan agreed upon by both parents becomes the parenting plan. If
the issue of child custody and visitation is not raised in a court action, the
agreements worked out between the parents is left undisturbed. The agreement
does not have to be reduced to a writing signed by both parents but a written,
signed parenting plan is preferable for future reference. In addition, a
written, signed parenting plan can typically be entered as a Stipulation
between the parties and then issued as a court order for future enforcement
purposes.
CAN CHILD CUSTODY RIGHTS BE
MODIFIED?
Absolutely.
You can go back to court to change a custody order if there is a substantial
change of circumstance that has a significant, adverse effect on the child
(such as visitation problems, erratic behavior, change in employment,
residence, or marital status).
Alternatively, the ex-spouses can voluntarily modify the last order by agreeing
to changes between themselves. If there is a departure from the last custody
order, it is best to put the new current changes in writing; oral agreements
are difficult to enforce.
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WHAT IS CHILD SUPPORT?
Child
support is a payment by one parent (often the "non-custodial
parent") to the other parent for the support of their common child.
It is in the best interest of a child for
both parents to be obligated to pay for the support of their child. An
order for child support transfers the income/wealth from one parent to
the other so that the combined incomes/wealth of both parents is
available to use for the support of the child.
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The duration
of this responsibility depends upon state law. All states require both parents
to be financially responsible for their child during the child's minority,
generally through the child's high school years. A few states have extended the
time for financial responsibility beyond the minority of the child. Child
support can be terminated in the event of the death of the child, if the child
goes on active duty in the armed forces, or if the child becomes emancipated or
self-supporting.
The
following are other alternative courses of action:|
IF THE OBLIGOR PARENT DOESN'T PAY, CAN VISITATION BE STOPPED?Failure to pay child support is insufficient grounds to stop the right of the obligor parent to visit with his/her child. Visitation is ordered by a court in the best interest of the child, to promote love and affection with both parents, custodial and non-custodial. Child visitation is vital to the non-custodial parent so that a meaningful relationship between child and parent can be established. On the other hand, child support is based upon the financial needs of the child and the ability of both parents to provide for these needs; thus is treated as a separate issue, and does not have a determinative effect upon visitation. The obligee parent must continue to allow visitation with the child despite failure of the obligor parent to pay child support. Although this may be very hard for the obligee parent to understand, if the obligee parent "frustrates" the right of the obligor parent to visit with the child, the obligor parent could ask the court to change custody of the child based upon this frustration of visitation even though s/he is delinquent in payment of child support. |
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WHAT ARE THE TAX CONSEQUENCES OF CHILD SUPPORT? |
Divorce: Preplanning Strategies
Nobody marries with the expectation of failure. Married couples never contemplate that the person they once loved could later seem to be a stranger and perhaps even an enemy. Yet, statistics paint an ugly picture. Approximately four out of 10 marriages today end in divorce. In divorce proceedings, women lose financially, their standard of living may drop as much as thirty percent in the first year following a divorce. Men, may not suffer as great financially, however, they tend to lose precious time with their children.
One of the greatest contributors to divorce is the issue of "control" - either financial or personal. Who controls the bank account? Who sets the social agenda? When one partner to a marriage "controls", the other partner loses their sense of self. A divorce becomes imminent as they controlled partner tries to regain their self-esteem.
There are several simple and logical ways to protect yourself financially if you believe your marriage is in jeopardy:
ONE: Keep Non-Marital Assets Separate
Non-marital assets are not part of the assets divided in a divorce. Instead, they are considered the asset of either the husband or the wife and generally awarded to that person in a divorce proceeding. Categories of non-marital assets include:
1. property you inherit;
2. proceeds from personal injury awards (eg. Worker's compensation or accident proceeds);
3. items owned prior to marriage; and
4. gifts to one party rather than the family.
If non-marital assets are commingled with assets purchased or improved during the marriage, it may not be possible to claim the asset as yours in the event of divorce. However, some "tracing" of non-marital assets may be possible. For example, if a non-marital asset is sold during the marriage and the proceeds from the sale are used to purchase another asset, it may be possible to "trace" a non-marital interest in the new asset. For example, if a car owned before a marriage is sold during the marriage and the proceeds used to purchase a new vehicle, a party may be able to claim a non-marital interest in the new vehicle. To do so, it is very important to retain all documents demonstrating the sale of the asset and the use of the proceeds realized from the sale.
TWO: Establish Your Own Credit
Make sure your name is listed on all household accounts and investments. Establish at least one credit card in your own name. This will help to create an individual credit history. When you are on your own, you will have a better chance qualifying for loans, mortgages and credit cards. These are all important considerations after a divorce.
THREE: Review Your Financial Holdings Regularly
Maintain complete and separate records of your financial holdings such as bank accounts, IRA's, 401K, land purchases, and stocks. This includes assets in your spouse's name as well. You may wish to maintain copies of these records at your place of employment or in a safety deposit box in your name. Records have a way of disappearing after a divorce has been started.
FOUR :Time Your Divorce
The timing of your divorce may carry with it a significant financial impact. For example, in a single income family, the non-working spouse may not have earned enough money to qualify for Social Security at the age of retirement. However, if spouses are married at least 10 years and don't remarry, the non-earning spouse may qualify for Social Security benefits based on the ex-spouse's earnings when both reach the age of 62.
FIVE: Close Joint Accounts
If a divorce is imminent, you should immediately contact joint-credit-card companies in writing to freeze or cancel your joint accounts. You do not want to be responsible for your spouses' new credit card charges, particularly when those charges may include attorney's fees. This protects your credit. It is important to remember that, although a creditor may freeze a joint account, the outstanding balance must be paid off before the account can be closed. You may also wish to close your joint bank accounts. If any proceeds are removed, keep a carefully accounting where the money is placed or how the proceeds are spent. You will undoubtedly be asked for that accounting as part of the divorce process. You can save yourself time and money by keeping accurate records.
SIX: Hire an Experienced Divorce Lawyer
It may be very important to hire a good lawyer early in your divorce planning process. An experienced attorney can help you avoid mistakes that could later cost you in your divorce proceeding. There are many lawyers to choose from so it is important that you ask important questions in order to choose one that is knowlegeable and right for you. Ask about their experience in family practice and specifically divorce. Ask the attorney to explain the legal issues as well as the legal process in your particular county.
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WHAT ARE SOME OF THE COMMON LABELS AND DEFINITIONS USED?
Some
of the more common labels and definitions used to describe spousal and
family support include:Alimony - Payments made from one spouse to the other during a separation or a divorce (dissolution of marriage). Also known as spousal support. Child Support - As a general rule, both spouses have a duty to provide support for their minor children. Family Support - A combination of alimony and child support. Similar in nature to separate maintenance payments. Rehabilitative Support - Payments made from one spouse to the other over a period of time to enable the supported spouse to obtain a career and become self-supporting. Also known as alimony and spousal support. Separate Maintenance Payments - Payments made from one spouse to the other when they are no longer living together as husband and wife for the support of the spouse and the children in his/her custody. Similar in nature to family support. Spousal Support - Payments made from one spouse to the other during a separation or a divorce (dissolution of marriage). Also known as alimony. |
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WHAT DIFFERENCE DOES IT MAKE WHICH LABEL IS USED?The first difference is the purpose of the support payment. If the intention is solely to provide for the other spouse, without regard to the support of children, either alimony or spousal support is used. The other major difference is the Federal Income Tax (and where applicable, state income tax) treatment of the payment. Alimony, family support, separate maintenance payments, and spousal support may be deductible from the income of the spouse making the payment, and taxable income to the supported spouse. |
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HOW ARE SUPPORT PAYMENTS TREATED UNDER FEDERAL INCOME TAX RULES?According to the Federal Internal Revenue Code, " ... any payment which the terms of the divorce or separation instrument fix (in terms of an amount of money or a part of the payment) as a sum which is payable for the support of children of the payer spouse" is not considered alimony or a separate maintenance payment. Thus, such payments are a tax neutral event (they are non-taxable to the person receiving them and non-deductible to the person making them). Federal Income Tax Regulations state: "A payment is fixed as payable for the support of a child of the payer spouse if the divorce or separation instrument specifically designates some sum or portion (which sum or portion may fluctuate) as payable for the support of a child of the payer spouse. A payment will be treated as fixed ... if the payment is reduced (a) on the happening of a contingency relating to a child of the payer, or (b) at a time which can clearly be associated with such contingency. ... For this purpose, a contingency relates to a child of the payer if it depends on any event relating to that child, regardless of whether such event is certain or likely to occur. Events that relate to a child of the payer include the following: the child's attaining a specified age or income level, dying, marrying, leaving school, leaving the spouse's household, or gaining employment." Thus, under Federal income tax law, regardless of the label that is used, most child support payments are a tax neutral event, while most support payments provided to the other (former) spouse are deductible to the payer and included in the taxable income of the supported spouse. |
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CAN A COURT ORDER PAYMENT OF SUPPORT DURING THE MARRIAGE? |
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CAN A COURT ORDER ALIMONY PAYMENTS DURING A DIVORCE OR SEPARATION CASE? |
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CAN A COURT ORDER ALIMONY PAYMENTS AFTER DIVORCE/SEPARATION? |
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WHAT FACTORS CAN BE USED TO DETERMINE THE AMOUNT OF ALIMONY?the ability to maintain the standard of living established during the marriage, considering the respective earning capacities of the spouses the marketable skills of the supported spouse, the job market for those skills, the education or training needed to develop marketable skills, and the need for retraining or education to acquire other, more marketable skills or employment the impairment of present or future earning capacity due to periods of unemployment during the marriage devoted to domestic duties the contribution of the supported spouse to enable the other spouse to the attain education, training, a career or a professional license the ability of the payer to make support payments taking into account his/her earning capacity, earned and unearned income, assets, and standard of living the needs of each spouse based on the standard of living established during the marriage the obligations and assets of each spouse the duration of the marriage the ability of the supported spouse to be employed without unduly interfering with child care responsibilities the age and health of the respective spouses |
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HOW LONG WILL A SPOUSE HAVE TO PAY (OR BE ABLE TO RECEIVE) ALIMONY?If the supported spouse is of advanced age or suffers from a medical problem which would prevent this spouse from obtaining a career (thus preventing him/her from becoming self-supportive), alimony could be "permanent" (but subject to future modification based upon a material change in circumstances). If there was a long term marriage (in California, for example, a marriage of ten years or longer is considered a long term marriage), a court may have continuing jurisdiction over the issue of spousal support. With continuing jurisdiction, a court may change the amount or duration of alimony payments from one spouse to the other any time in the future (although a material change in circumstances is usually necessary). In addition, typically a court order for alimony terminates upon the death or remarriage of the supported spouse. |
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