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How To Get a Divorce With No Money: Low-Cost Divorce Solutions

By Divorce.com staff
Updated Sep 20, 2022

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Despite what you may think, it’s possible to get a divorce without much (or any) money. The cost associated with most traditional divorce proceedings is steadily increasing, and many divorcing couples are left searching for low-cost options.

Whether you wish to have legal aid and can’t afford it, or you’re just looking to save money overall, several options are available. Read on to learn how to close your divorce case faster and save money.

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Low-Cost Divorce Solutions: Overview

Here, we will discuss some of the most common low-cost divorce methods. Depending on your situation, you might not even need a divorce lawyer or attorney to guide or represent you.

  1. Uncontested divorce
  2. DIY divorce
  3. Online divorce services
  4. Mediation
  5. Be careful with attorneys
  6. Legal aid or non-profits
  7. Hiring a paralegal
  8. Fee waivers
  9. Consider Using Credit

As you can see, several divorce options are available to couples with a limited financial situation. We’ll discuss each of these methods in more detail below.

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Uncontested Divorce

Not every divorcing couple argues; some of them agree on everything. Commonly contested issues during a divorce include but are not limited to: child support, division of marital assets, and alimony payments (spousal support).

What Is Uncontested Divorce?

An uncontested divorce involves no disputes between the spouses; they are in complete agreement. When couples are aligned on how they would like to move forward, court proceedings can move much faster. Without much to discuss, the judge can issue a ruling promptly.

In contested divorce cases, where the divorcing couple doesn’t see eye-to-eye, a lengthy litigation process is involved. The more issues there are on the table, the longer it could take for the judge to make their decision and ultimately issue a ruling.

When Is Uncontested Divorce a Good Option?

An uncontested divorce is a good option when you and your spouse don’t have any disputes and are looking to have your divorce formalized quickly. It’s also a good option if you don’t have any minor children or marital assets to divide between yourselves.

It’s often much easier to agree on everything when there isn’t much on the table in the first place. You'll have a more challenging time finding common ground without discussing issues like child custody arrangements, child support, or property division.

DIY Divorce

Sometimes, couples opt to handle their divorce on their own. This could be a good option for those who don’t have enough money to hire legal help or want to save money.

How Do DIY Divorces Work?

A DIY divorce is one that you can handle 100% on your own. You don’t necessarily need legal aid, although you may choose to seek out a divorce lawyer or divorce attorney for advice and guidance. If you wish to use this divorce method, you’ll need to locate the proper paperwork on your own. Your local county clerk can help you with this step.

Divorce papers are not one-size-fits-all. If you have children, for example, the forms you fill out will be different (in many states) than the paperwork of someone who doesn’t have any children. Without any legal help, it will be up to you to make sure you have the proper paperwork.

Filling out the wrong forms or inputting incorrect information will delay your case. You’ll have to start over from the beginning, which means you’ll also have to pay double filing fees.

Pros and Cons of DIY Divorces

When it comes to the self-help method, many couples are drawn to the fact that they won’t necessarily need to hire legal aid. However, some risks come with handling something like this on your own, especially if you aren’t familiar with the complexities of family law.

Advantages:

  • DIY divorces can be faster
  • DIY divorces can save you money
  • DIY divorces don’t typically involve a lengthy litigation process

Disadvantages:

  • DIY divorce paperwork is usually only acceptable when a divorce is uncontested
  • If you make a mistake, you won’t have anyone to catch it before you file
  • If you don’t understand what you need, you might fill out the wrong paperwork

If you and your spouse have unresolved disputes, you’re not likely to find success using this option. On top of that, if you’re having difficulty, you might want to consult a lawyer or attorney or forgo this option altogether.

Online Divorce Services

You might also wonder if there is a way to start your divorce online. There are several online divorce services, but your experience will be unmatched with us. We understand how difficult it is to go through a divorce, especially when you’re not sure you have enough money to make ends meet in the meantime.

That’s why we offer our customers solutions that are not only effective but low-cost as well. Divorcing couples should be able to access the services they need to move on without being sent a bill that they’ll have trouble paying off afterward.

What Can Online Divorce Services Help With?

Online divorce services can help with many things, from custom divorce from generation to mediation. With us, you’ll never have to worry about whether or not you filled out the proper paperwork. Our skilled professionals will always handle your case with the utmost care.

Starting at the low cost of $49, we offer on-demand mediation services for spouses who need help meeting in the middle. We also provide access to a trusted network of independent attorneys if you can’t reach a divorce settlement through mediation. They’ll even set up an initial consultation at no charge to you if you’d like to begin discussing your options.

Advantages of Using Online Divorce Services

The primary advantage of online divorce services is that you don’t have to leave the comfort of your home to begin filing; all you need is your computer. You also won’t have to determine which forms you need or where to get them. This can help prevent errors in filing that will cause the processing of your forms to be delayed.

Online divorce services are also often less expensive than the traditional route, given that there are no significant disputes. This could be an excellent option for couples who are ready to file and don’t have much (or anything) trouble agreeing on.

Mediation

Sometimes, divorcing couples need help seeing eye-to-eye. Using a divorce method like mediation, they’ll be able to assess where they are misaligned and meet somewhere in the middle. Mediation aims to reach a mutually beneficial divorce settlement quicker than the traditional route.

What Is Mediation?

Mediation is a type of alternative dispute resolution where a neutral third party assists a couple in finding common ground to reach a settlement they are both satisfied with. Mediation can be handled outside of court, and divorcing couples who use this method don’t need to hire a lawyer or attorney.

What Are the Benefits of Mediation?

There are many benefits to opting for mediation during your divorce. Here are some of the main highlights.

  • Mediation is private
  • Mediation can be handled outside of court
  • Mediation is often a faster method
  • Mediation doesn’t force a settlement (no “rulings”)
  • Mediation is less stressful for the family (children)

Mediation offers couples the freedom to handle their divorce proceedings amicably and at their own pace, wherever they choose.

Be Careful With Attorneys

It’s no secret that attorney fees are high. It’s essential to ensure you fully understand what you’re paying for before signing an agreement with an attorney. If you don’t have enough money to cover your legal fees, resources are available to help.

Advantages of Attorney Help in Your Divorce

A divorce attorney can give you legal advice and guidance when going through a separation. They can also ensure the process runs as smoothly as possible; here are some perks of hiring legal aid.

  • They already know what you need for filing and court (ex: paperwork and documents)
  • If you make a mistake on your divorce papers, they’ll spot it before you file
  • An attorney can represent you in court and look out for your best interests
  • Attorneys already have an in-depth understanding of family law

Alternative Legal Options Legal Aid or Non-Profits

There are a variety of resources and options available for people who cannot afford their legal fees. Some are lucky enough to have a friend or family member act as their divorce attorney at no cost, but this isn’t always the case. If you’re worried about receiving a high bill from your attorney, consider looking into one of the services below.

Legal Aid

If you’re in a bad financial situation, a legal aid fund could provide you with relief. The legal aid society is a government-funded organization whose primary mission is to ensure people don’t go without legal help simply because they lack the funds. They have resources available to those who need them in every state.

Nonprofits

Nonprofits are another great resource to seek out. Several nonprofit organizations work with independent lawyers and attorneys to help those lacking funds get the help they’re seeking. For those members of underserved and underrepresented groups, the organization can match them with legal aid that understands their situation.

Hiring a Paralegal

You might have considered hiring a paralegal to assist with your case. You must understand what they’re able to do and what their limitations are as well.

What Is a Paralegal?

A paralegal handles various legal tasks on behalf of a lawyer or attorney and often works alongside them on cases. They can draft a legal document, perform complex legal research, and even work directly with clientele. A paralegal cannot practice in court, and they cannot offer you legal advice either.

How Do Paralegals Lower Divorce Costs?

A paralegal can help you prepare your divorce papers. This could save you a lot of time and money. They’ll be able to guide you as you fill out your forms, make sure they’re error-free to avoid delays in processing (and paying double filing fees), and even show you where you need to go to file them.

Fee Waivers

Another option when you’re low on funds is filing a fee waiver petition. Anyone can file for this assistance; however, there are some instances where you’ll be almost guaranteed approval. If you want to request a fee waiver, you’ll need to do so at filing before the court clerk processes your case.

Consider Using Credit

If you have credit cards, you can use them to cover the balance of your attorney fees. However, some drawbacks could be charging significant amounts to your credit card.

How Can Using Credit Help?

This method may help if you’ve exhausted all your other options and have the available credit to use. If you desperately need legal aid and have no other way of affording representation, you might find yourself opting for this method.

The Risks of Using Credit To Pay for Divorce

There are risks to going down this route. If you’re already in a precarious financial situation, it’s unlikely that you’ll be able to make the minimum monthly credit card payment. You’ll have to pay fees if you miss payments, putting you in a tough spot post-divorce.

What Are the Potential Problems With Low-Cost Divorce?

Potential problems with low-cost divorce include:

  • Difficulty with court procedures
  • Navigating complex circumstances
  • Negotiating on your behalf

Difficulty with Court Procedures

You might have a tough time in the court system if you don’t understand family law very well. Since low-cost divorce options typically teach you how to forgo legal help, you may have trouble getting through divorce proceedings on your own.

Navigating Complex Circumstances

Navigating issues like property division or child custody can cause stress, especially if you and your spouse don’t get along well. If they can’t agree, divorcing couples often have to pay for legal representation.

Negotiating on Your Behalf

Advocating for yourself in everyday circumstances could be considered problematic. In court, if you’re not familiar with the law, you won’t be able to look out for yourself and a divorce attorney because you likely won’t know what’s in your best interest.

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Final Thoughts

We offer several services to help you move forward with your life at an affordable rate. We can even connect you with a network of independent attorneys that provide free initial consultations. Don’t let your financial situation prevent you from seeking help. Reach out today.

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Basic Do it Yourself Divorce
The most affordable way to get it done right.
Learn more
From $299 + state filing fees
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Standard We File For You
Human processing experts to help with your state’s incredibly confusing state filing process.
Learn more
From $599 + state filing fees
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Attorney Assistance
Affordable, flat rate legal advice from an independent attorney licensed in your state, to make sure you do everything right.
Learn more
From $899 + state filing fees
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Traditional Divorce
Complete end-to-end help from an independent attorney, licensed in your state, with negotiated rates.
Learn more
From $2750 + state filing fees

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Contents:

logo
Basic Do it Yourself Divorce
The most affordable way to get it done right.
Learn more
From $299 + state filing fees
logo
Standard We File For You
Human processing experts to help with your state’s incredibly confusing state filing process.
Learn more
From $599 + state filing fees
logo
Attorney Assistance
Affordable, flat rate legal advice from an independent attorney licensed in your state, to make sure you do everything right.
Learn more
From $899 + state filing fees
logo
Traditional Divorce
Complete end-to-end help from an independent attorney, licensed in your state, with negotiated rates.
Learn more
From $2750 + state filing fees

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divorce process, divorce decree

What Is a Divorce Decree?

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divorce process, annulment

Divorce vs. Annulment: What’s the Difference?

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Getting Divorced, divorce without a lawyer

What To Do if You Can’t Afford a Divorce Lawyer

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Getting Divorced, divorce without a lawyer

Can You Get Divorced Without a Lawyer?

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divorce process, mediation

8 Things To Ask for in Divorce Mediation

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lawyer, expensive divorce

12 Things To Ask a Divorce Lawyer

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uncontested divorce

What To Expect at an Uncontested Divorce Hearing

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mediation, complicated divorce

When Is Divorce Mediation Not Recommended?

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mediation, divorce alternative

7 Things To Do To Prepare for Divorce Mediation

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online divorce

Step-by-Step Guide: How To File for Divorce Online

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divorce papers, divorce without a lawyer

How To Respond to Divorce Papers Without an Attorney

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fast divorce, uncontested divorce

How Long Does an Uncontested Divorce Take?

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divorce process, expensive divorce

How Much Does It Cost To Get a Divorce? Complete Breakdown

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divorce process

How Long Does a Divorce Take?

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divorce process, divorce papers

How To Start the Divorce Process: Step-by-Step

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mediation

What Is Mediation in Divorce and When Should I Use It?

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divorce statistics, divorce rate

48 Divorce Statistics in the U.S. Including Divorce Rate, Race, & Marriage Length

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divorce process, ted

10 TED Talks That Anyone Considering Divorce Should Watch

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Making the Decision, Infidelity

When to Walk Away After Infidelity: 7 Signs It Might Be Time To Leave

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selling property, selling before divorce

Selling Your House Before a Divorce: A Surprisingly Good Idea

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uncontested divorce

What Is an Uncontested Divorce? Everything You Need To Know

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divorce checklist

Divorce Checklist for 2023

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Dating After Divorce

10 Tips for Dating After Divorce

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divorce process, name change

A Guide to Name Change After a Divorce

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divorce process, remarry

Can I Get Married Right After Getting Divorced?

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divorce trauma

The Psychological Trauma of Divorce

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divorce litigation

When Is Divorce Litigation Necessary?

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marriage abandonment

What You Need To Know About Marital Abandonment

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miserable husband syndrome

Miserable Husband Syndrome Explained & Tips To Cope

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toxic relationship

12 Tips on Leaving a Toxic Relationship

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leave a marriage

5 Tips on How To Leave a Marriage Peacefully

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walkaway wife syndrome

5 Signs of Walkaway Wife Syndrome

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divorce process, divorce in california

6 Steps in the California Divorce Process

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divorce process, divorce in Texas

The 6 Steps of the Divorce Process in Texas

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signs od divorce

22 Experts Give Warning Signs Of Divorce You Need To Pay Attention To

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divorce costs, divorce methods

How Much Does a Divorce Cost in California?

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cheating, emotional affair

Emotional Affairs and Texting

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divorce in california, divorce terms

How Long Does it Take to Get a Divorce in California?

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Divorce Recovery, Life After Divorce

10 Tips on How to Reinvent Yourself After Divorce

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sexless marriage

When to Walk Away From a Sexless Marriage

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divorce reasons, top divorce factors

Causes Of Divorce: 13 Of The Most Common Reasons

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divorce process, divorce in california

All of the California Divorce Papers That You Need to Get a Divorce

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divorce costs, divorce in new york

How Much Does a Divorce Cost in New York?

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low-cost divorce, uncontested divorce

The Cheapest Way to Get Divorced

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collaborative divorce, uncontested divorce, types of divorce

The Different Types of Divorce

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Separation, divorce process, divorce in new york

Legal Separation vs Divorce in New York

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divorce statistics, divorce guide, social media

The Complete Guide to Divorce & Social Media

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Life After Divorce, moving out

Moving Out of State Before, During, or After Divorce

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Children and Divorce, child custody

5 Reasons a Judge Will Change Custody

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Children and Divorce, child custody

What Does Sole Custody Mean?

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Child Support, Children and Divorce, child custody

How Does Child Support Work if the Father Has No Job?

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Child Support, alimony

If the Wife Files for Divorce, Can She Get Alimony?

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child custody, parent rights

Parent Rights: Custodial Parent vs. Non-Custodial Parent

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divorce statistics, divorce rate

10 Professions With The Highest Divorce Rate

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expensive divorce, divorce cost

Why is Divorce So Expensive? 5 Reasons from Laura Wasser

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mediation, divorce budget

Divorce Mediation Cost: Budget Accordingly

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divorce process, divorce rights

My Husband Wants a Divorce, What Are My Rights?

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mediation, divorce decree

Marital Settlement Agreement vs. Divorce Decree: What is The Difference?

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Children and Divorce, divorce in Texas

The Texas Divorce Forms For Spouses Without Children

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Separation, divorce process, family pets

During a Divorce or Separation, What Happens to The Family Pet?

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divorce in Texas, divorce terms

How Long Does It Take To Get A Divorce In Texas?

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mediation, arbitration

Which Is Better? Mediation vs. Arbitration

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divorce in california, no fault divorce

California No Fault Divorce

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divorce in Texas, adultery, laws

Texas Divorce Laws About Adultery

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divorce terms, divorce in new york

How Long Does It Take to Get a Divorce in New York?

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child custody, custodial parent

Custodial Parent: Meaning and Responsibilities

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Separation, divorce process, Divorce

Separation vs Divorce: How To Understand the Process

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child custody, parental kidnapping

What To Do? Parental Kidnapping and No Custody Order