New beginning after divorce and separation

New beginning after divorce and separation

New beginning after separation and Sche >How can I complete the divorce??

After a separation and divorce, there are many questions. How can I manage alone? What’s next with the kids? How will friends and family react? What financial freedom do I have? How do I find my inner balance again? How and where to find a partner that suits me?

For women and men, breaking a partnership often means great uncertainty and a difficult reorientation. The familiar role as a spouse and parent suddenly ends or changes greatly. Separation pain, attacked self-esteem, injuries and insults can block the new beginning.

We give you assistance in divorce management. Who understands what happens, can also deal with the emotional reactions. In the New Startup topic, you will find many articles, services, products, and tips to help you successfully master your reboot.

The most important

  • It’s easy to say that despite all odds, you should accept divorce as such and see the potential new beginning in your life as an opportunity. Be open to the opportunities that arise and redesign your life.
  • Every new beginning requires activity. With our checklist, we provide you with a number of approaches that are especially important at the new beginning after the divorce.

Table of Contents

Recognizing a new beginning as an opportunity

If you are divorced, there were reasons for that. Not for nothing it is said, “rather an end with terror than a terror without end”. You should acknowledge that your marriage has failed and you must now stand on your own two feet. It is in the nature of things that you may understand the failure of your marriage as defeat. Nevertheless, you have to start a new life and rearrange your life. But if you see the necessary new beginning as an opportunity at the same time, you have a good starting position on which you can shape your new life.

You no longer need to take care of your ex-spouse and do in the future what you think is right. You can buy a new hairstyle, wallpaper the walls in your favorite color or even make new friends. You can now do whatever you have always wanted to do, but never dared to do it, provided your financial and career opportunities allow for that freedom. Have you ever spent your holidays by the sea, because the partner was afraid of the mountains, now greets Tyrol. Or, if you prefer city tours by bus, you may now also be able to take advantage of the often associated opportunity of finding new friends or even a new partner as a single bus traveler. You can redesign your entire social life, join a club, invite or invite uninvited friends, or engage in a sport that you have been neglecting to date for the sake of your partner.

However, it is important first of all that you initiate everything at the new beginning in order to justify or expand your existence independently. With the checklist below we give you a number of hints.

What should I do about my apartment??

After the divorce, you must finally decide where you live. If you move into a new apartment, you must sign the lease on your own responsibility or finance the apartment independently. If you remain in the previous rental apartment, you should clarify with the landlord that the lease is changed to your name and your ex-partner is released from the tenancy. Remain in the common house, clarify who takes over the house and who pays in the future capital service and maintenance. You can also sell the property and use any excess sales proceeds for your new business startup. Avoid necessarily necessarily in the case of dispute inevitable divisional auction, in which real estate is always auctioned off significantly below their actual market value.

When do I have to apply for a residence permit??

If you are unable to finance the rent for a new apartment, you can apply for a residence permit with your community. With the Residential Permit, you can move into an apartment, which is subsidized by public funds. Inquire about the conditions you need to meet and what documents are required.

In which case can I apply for housing allowance?

If you have low income, you can apply for housing allowance from the community. Housing benefit is granted as a rent subsidy. Whether or not you are eligible for housing depends on the number of family members in your household and the amount of your income. Orient yourself with the housing money calculator of the Federal Ministry for the Environment.

Do I have to contact the registration office??

If you move, you must enter your new address with the registration office. If you see yourself threatened by your ex-partner, you can arrange a block of information there, so that your new address remains secret.

Is a forwarding application to the Post useful?

Move around, you should make sure that your personal mail reaches you. Ask Post to redirect the mail sent to your old address to your new address. Inform all persons and institutions about your new address.

How can I regulate the distribution of household effects??

The household belong to you usually together. Ideally, divide the household items together by mutual agreement. When it comes to the expensive fitted kitchen, you have to agree somehow. If you stay in the apartment, your ex-partner will insist on a settlement.

What about common pets?

If you have a jointly procured animal, you must clarify who will take care of the dog or cat in the future. As with children, care should be taken to ensure that the animal stays in its usual environment and is cared for by the person with whom it has the best relationship.

Do I need a new health insurance?

If you were previously covered by a family insurance policy in the statutory health insurance of your spouse, the family insurance ends with the divorce decree. You have to insure yourself independently. Your children can stay in the partner’s family insurance, but they can also just change into their insurance. Since the health insurance is a statutory compulsory insurance, every health insurance must take you. Were you privately insured, nothing changes with the divorce.

What about the liability insurance?

If you were insured up to now in the family tariff of your spouse, you have to look for a personal liability insurance with the divorce decree. The children only enjoy the insurance cover if they have their point of life with their ex-partner.

How can I make arrangements for life insurance?

With life insurance, the partner who is the policyholder can freely dispose of the insurance policy. In particular, he may change the beneficiary. If, therefore, you have designated your spouse as a beneficiary in the event of your death, you can appoint any other person as a beneficiary at any time.

What should I clarify regarding the shared bank account??

If you have a joint bank account with your spouse, you should terminate this bank account at an early age, ideally at the moment of separation, and create your own account. If your Schufa has negative characteristics, you are legally entitled to the establishment of a basic account at each German bank. You can only enter the basic account in the credit area. If you have granted your spouse a power of attorney on your own account, you must terminate this power of attorney with the bank. If you have placed direct debit orders in favor of your partner, you should revoke them with the creditor.

What should be considered when saving passbook?

The bank does not check who owns a savings account. She pays out any money that the savings account presents. If the passbook is in your name, you should not give it away.

How can I clarify common liabilities?

If you have established joint liabilities with your spouse (for example, you have signed the credit agreement for your house or a car together), divorce alone will not change your responsibility. If the house is sold, the loan is repaid from the purchase price. If a residual claim remains, you remain responsible. At most, you could clarify with your ex-partner that he / she will completely assume the remaining liabilities.

What about Schufa entries??

If you are divorced and apply for a loan or register with an energy supplier, your credit rating will be checked. Any negative features that may be registered in the Schufa may lead to your being rejected, without you knowing why. The entry may be outdated or unfounded, or it may be removed. So obtain a self-assessment, which the Schufa must grant each year free of charge.

How does the tax code change after the Sche >

Already with the separation you are classified a new tax code. If you have no children, both partners will receive the tax code I. If there are children, the one with whom the children live can receive tax class II. You can also continue to take advantage of the tax benefits of the splitting plan if you arrange for a joint initiative, at least in the year of separation.

What should I do in the case of personal bankruptcy??

The divorce can well be the situation that you are overindebted. Ask a lawyer or a debt counseling service to find out whether you can use the consumer insolvency proceedings (private bankruptcy) and the associated residual debt discharge to discharge your liabilities.

What is to be considered regarding a will??

Spouses are only entitled to inherit as long as the marriage exists. With the divorce the legal right of inheritance does not apply. If there is a will, it depends on when the will was written down. If it was written during the marriage, usually with the divorce also the right to inheritance is dropped. If it was written before marriage, it usually persists. In any case, with the divorce, the spouse who wrote the will should consider whether the will should remain as it was written. If this is not the case, a new will should be written that replaces the old one.

Can I go to the she >

Their married name will be continued after the divorce. If you have given up your original name, you may accept it again. You can return to your birth name or choose a double name and prefix or append to your birth name. The law allows a whole range of options. Your child, however, retains the name you chose or became the common marital name. If you marry again, you can also customize the name of the child.

I have a claim to spousal maintenance?

With the divorce, you are entitled to spousal maintenance, as long as you are in need and fulfill one of the maintenance obligations mentioned in the law. The typical case is that you look after your child together. They then do not have to start their own gainful employment until the child’s third birthday and can only devote themselves to the child. A maintenance claim exists even if you can no longer work because of age or infirmity or illness.

In which case do I have to pay child support?

If you look after the common child in your household, the non-caring parent must pay child support. Orientation offers the Düsseldorfer table. If this parent can not or does not want to pay, you can apply for a child support advance. The advance on maintenance is paid indefinitely regardless of the age of your minor child.

How can I get any Sche >

If you were ideally divorced by mutual consent, it may be that one or the other of the divorces requires regulation. They then still have the option of applying to the family court even after the divorce decree that, for example, the gain or the right of access to the common child is regulated independently. Insofar as you are afraid of judicial disputes regarding your low income in terms of cost, you can apply for state legal aid, so that the state takes over the procedural costs, or at least for you.

What do I have to consider when looking for a job??

Re-employment may be more or less difficult depending on the duration of the interruption. If you are on parental leave, you should maintain contact with your job and your employer. Your employer may, in certain circumstances, apply for an integration allowance for your training period at the Employment Agency. If necessary, you should contact the unemployed jobseeker as soon as possible. Appreciate your ideas about your future activity. Consider whether it is enough to refresh the knowledge in your learned profession or whether it is better to start a retraining. Even if you need help setting up a business, a consultation with the Employment Agency can help. The employment agencies have specialized counseling services for professional returnees.

Conclusion

Divorce changes your life. They have to shape the new beginning. You can not do everything at once. Practice patience. Much is self-evident. It is important that you know the most important approaches that require action. Avoid any pessimism and be open that you have to go new ways for the new beginning, but also have the opportunity to break new ground. Only if you are optimistic and open will you recognize the beginnings of the new beginning. Believe that life always holds surprises and reveals ways that you have not dreamed of before.

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