Understanding Divorce Summons: A Guide for Business Owners, Long-Term Marriages, and Parents

Comprehensive guide explaining what a divorce summons is, how to respond, and special considerations for business owners, long-term marriages with significant assets, and parents with minor children.

Introduction

A divorce summons is a legal document that officially starts the divorce process. When you receive a divorce summons, it means your spouse has filed for divorce and you are being formally notified of the legal proceedings. This document is critically important as it contains deadlines for your response and may outline initial requests regarding property division, child custody, and support matters. Understanding how to properly respond to a divorce summons is essential to protecting your rights and interests, especially if you own a business, have accumulated significant assets during a long-term marriage, or have minor children. This guide will help you navigate this challenging first step in the divorce process with clarity and confidence.

Key Things to Know

  1. 1

    Time is of the essence when responding to a divorce summons—missing the deadline (typically 20-30 days) can result in a default judgment against you.

  2. 2

    The divorce summons is just the beginning of the process; gathering financial documents, business records, and evidence related to parenting should begin immediately.

  3. 3

    Business valuations can be contentious; consider getting your own independent valuation rather than relying solely on your spouse's expert.

  4. 4

    Long-term marriages often result in more equal division of assets, regardless of who earned them, based on the presumption of equal contribution to the marriage.

  5. 5

    Courts prioritize the best interests of children; focus custody arguments on stability and well-being rather than personal grievances.

  6. 6

    Temporary orders established early in the process often create precedents that influence final arrangements, so take them seriously.

  7. 7

    Consider alternative dispute resolution methods like mediation or collaborative divorce to maintain more control over outcomes and potentially reduce costs.

  8. 8

    Protect your credit during divorce proceedings by separating joint accounts and monitoring your credit report regularly.

  9. 9

    Digital privacy becomes important during divorce; change passwords, create new email accounts for divorce communications, and be cautious about social media use.

  10. 10

    Self-care is essential during this stressful time; maintain support networks and consider working with a therapist who specializes in divorce transitions.

Key Decisions

Parents with Minor Children

Long-Term Marriage Partners with Significant Assets

Business Owners

Customize your Divorce Summons Template with DocDraft

SUMMONS FOR DISSOLUTION OF MARRIAGE

IN THE [COURT NAME] COURT OF [COUNTY] COUNTY, [STATE]

Case No.: [CASE NUMBER]


IN RE THE MARRIAGE OF:

Petitioner: [PETITIONER FULL LEGAL NAME]
[PETITIONER'S ADDRESS]
[PETITIONER'S CITY, STATE, ZIP]
[PETITIONER'S PHONE NUMBER]
[PETITIONER'S EMAIL ADDRESS]

and

Respondent: [RESPONDENT FULL LEGAL NAME]
[RESPONDENT'S ADDRESS]
[RESPONDENT'S CITY, STATE, ZIP]
[RESPONDENT'S PHONE NUMBER]
[RESPONDENT'S EMAIL ADDRESS]


SUMMONS FOR DISSOLUTION OF MARRIAGE

TO THE ABOVE-NAMED RESPONDENT:

YOU ARE HEREBY SUMMONED AND REQUIRED to file with the Clerk of this Court a written Answer to the Petition for Dissolution of Marriage filed in this action, a copy of which is herewith served upon you, and to serve a copy of your Answer upon the Petitioner's attorney at the address stated below within [NUMBER OF DAYS] days after service of this Summons upon you, exclusive of the day of service.

IF YOU FAIL TO DO SO, judgment by default will be taken against you for the relief demanded in the Petition for Dissolution of Marriage. This action involves the dissolution of your marriage and may affect your rights to property, custody of children, child support, spousal maintenance, and other marital rights and obligations.

NOTICE OF TEMPORARY RESTRAINING ORDERS

EFFECTIVE IMMEDIATELY UPON SERVICE OF THIS SUMMONS AND PETITION UPON YOU:

  1. PROPERTY RESTRAINING ORDER: Both parties are restrained from transferring, encumbering, concealing, selling, or otherwise disposing of any property, real or personal, whether jointly or separately held, without the written consent of the other party or an order of the Court, except in the usual course of business or for the necessities of life. Each party shall notify the other of any proposed extraordinary expenditures at least five (5) business days before incurring these extraordinary expenditures, and shall account to the Court for all such extraordinary expenditures made after this Order is issued.

  2. INSURANCE RESTRAINING ORDER: Both parties are restrained from canceling, modifying, terminating, or allowing to lapse for nonpayment of premiums, any insurance policy, including but not limited to health, automobile, life, homeowner's, or renter's insurance, where such insurance policy provides coverage to either of the parties or the children, or which names either of the parties or the children as beneficiaries, without the written consent of the other party or an order of the Court.

  3. CHILD RELOCATION RESTRAINING ORDER: If minor children are involved, both parties are restrained from removing the minor children of the parties from the state without the written consent of the other party or an order of the Court.

NOTICE OF IMPORTANT INFORMATION AND DEADLINES

1. RESPONSE DEADLINE

You must file your written response with the Clerk of the Court and serve a copy on the Petitioner's attorney or the Petitioner (if unrepresented) within [NUMBER OF DAYS] days after the date this Summons was served upon you. If the last day for filing your response falls on a Saturday, Sunday, or legal holiday, your response may be filed on the next business day.

2. DEFAULT JUDGMENT WARNING

FAILURE TO FILE A WRITTEN RESPONSE WITHIN THE TIME ALLOWED MAY RESULT IN A DEFAULT JUDGMENT BEING ENTERED AGAINST YOU WITHOUT FURTHER NOTICE. A default judgment means the Petitioner can proceed with the divorce without your input on issues such as property division, debt allocation, child custody, child support, and spousal maintenance.

3. RIGHT TO LEGAL REPRESENTATION

You have the right to be represented by an attorney in this matter. If you cannot afford an attorney, you may qualify for free legal services. Contact your local legal aid office or bar association for assistance. You may also represent yourself without an attorney (known as appearing "pro se" or "in proper person").

4. FINANCIAL DISCLOSURE REQUIREMENTS

Within [NUMBER OF DAYS] days after service of this Summons, both parties must complete and exchange the following financial disclosure documents:

a. A complete and accurate financial affidavit or statement listing all income, expenses, assets, and liabilities; b. The most recent three (3) years of tax returns; c. The most recent three (3) months of pay stubs or other proof of income; d. Documentation regarding the value of all real estate, retirement accounts, investment accounts, and other significant assets; e. Documentation regarding all outstanding debts.

Failure to provide complete and accurate financial information may result in sanctions by the Court, including monetary penalties, dismissal of claims, or restrictions on the presentation of evidence.

CASE INFORMATION

1. JURISDICTION AND VENUE

This Court has jurisdiction over this matter pursuant to [APPLICABLE STATE STATUTE]. Venue is proper in this Court because:

  • ☐ Petitioner has been a resident of [STATE] for at least [REQUIRED TIME PERIOD] immediately preceding the filing of this action.
  • ☐ Respondent has been a resident of [STATE] for at least [REQUIRED TIME PERIOD] immediately preceding the filing of this action.
  • ☐ The parties were married in [COUNTY] County, [STATE].
  • ☐ The parties last resided together as husband and wife in [COUNTY] County, [STATE].

2. MARRIAGE INFORMATION

The parties were married on [DATE OF MARRIAGE] in [CITY, STATE/COUNTRY]. The parties have been married for approximately [LENGTH OF MARRIAGE] years. The parties separated on or about [DATE OF SEPARATION].

3. GROUNDS FOR DISSOLUTION

The Petitioner alleges that the marriage is irretrievably broken and should be dissolved on the grounds of:

  • ☐ Irreconcilable differences
  • ☐ Irretrievable breakdown of the marriage
  • ☐ [OTHER GROUNDS PERMITTED BY STATE LAW]

4. CHILDREN OF THE MARRIAGE

  • ☐ There are no minor children born of or adopted during this marriage.
  • ☐ The following minor children were born of or adopted during this marriage:
NameDate of BirthCurrent Address
[CHILD 1 NAME][DOB][ADDRESS]
[CHILD 2 NAME][DOB][ADDRESS]
[CHILD 3 NAME][DOB][ADDRESS]

PETITIONER'S INITIAL REQUESTS

The Petitioner has requested the following in the Petition for Dissolution of Marriage:

1. CHILD CUSTODY AND PARENTING TIME

  • ☐ Joint legal custody of the minor children
  • ☐ Sole legal custody to Petitioner
  • ☐ Sole legal custody to Respondent
  • ☐ Joint physical custody with the following parenting time schedule: [PROPOSED SCHEDULE]
  • ☐ Primary physical custody to Petitioner with parenting time to Respondent as follows: [PROPOSED SCHEDULE]
  • ☐ Primary physical custody to Respondent with parenting time to Petitioner as follows: [PROPOSED SCHEDULE]

2. CHILD SUPPORT

  • ☐ Child support to be paid by Respondent to Petitioner in accordance with the state child support guidelines
  • ☐ Child support to be paid by Petitioner to Respondent in accordance with the state child support guidelines
  • ☐ Deviation from child support guidelines for the following reasons: [REASONS]
  • ☐ Health insurance for the minor children to be provided by: [PARTY]
  • ☐ Uninsured medical expenses to be allocated as follows: [ALLOCATION]
  • ☐ Child care expenses to be allocated as follows: [ALLOCATION]
  • ☐ Educational expenses to be allocated as follows: [ALLOCATION]

3. SPOUSAL SUPPORT/MAINTENANCE/ALIMONY

  • ☐ No spousal support to either party
  • ☐ Temporary spousal support to Petitioner in the amount of $[AMOUNT] per month for [DURATION]
  • ☐ Temporary spousal support to Respondent in the amount of $[AMOUNT] per month for [DURATION]
  • ☐ Permanent spousal support to Petitioner in the amount of $[AMOUNT] per month
  • ☐ Permanent spousal support to Respondent in the amount of $[AMOUNT] per month
  • ☐ Rehabilitative spousal support to Petitioner in the amount of $[AMOUNT] per month for [DURATION]
  • ☐ Rehabilitative spousal support to Respondent in the amount of $[AMOUNT] per month for [DURATION]

4. PROPERTY DIVISION

  • ☐ Equitable division of all marital property and debts

  • ☐ Division of specific assets as follows:

    • Real Property: [PROPOSED DIVISION]
    • Vehicles: [PROPOSED DIVISION]
    • Bank Accounts: [PROPOSED DIVISION]
    • Retirement Accounts: [PROPOSED DIVISION]
    • Investment Accounts: [PROPOSED DIVISION]
    • Personal Property: [PROPOSED DIVISION]
    • Other Assets: [PROPOSED DIVISION]
  • ☐ Division of specific debts as follows:

    • Mortgage(s): [PROPOSED DIVISION]
    • Auto Loans: [PROPOSED DIVISION]
    • Credit Card Debt: [PROPOSED DIVISION]
    • Student Loans: [PROPOSED DIVISION]
    • Medical Debt: [PROPOSED DIVISION]
    • Other Debts: [PROPOSED DIVISION]

5. BUSINESS INTERESTS

  • ☐ The parties have no business interests subject to division
  • ☐ The following business interests are subject to division:
    • Business Name: [BUSINESS NAME]
    • Ownership Interest: [OWNERSHIP PERCENTAGE]
    • Estimated Value: $[ESTIMATED VALUE]
    • Proposed Disposition: [PROPOSED DISPOSITION]

6. RETIREMENT ACCOUNTS AND PENSIONS

  • ☐ The parties have no retirement accounts or pensions subject to division
  • ☐ The following retirement accounts and pensions are subject to division:
    • Account Type: [ACCOUNT TYPE]
    • Account Holder: [ACCOUNT HOLDER]
    • Approximate Value: $[APPROXIMATE VALUE]
    • Proposed Division: [PROPOSED DIVISION]
    • Qualified Domestic Relations Order (QDRO) Required: ☐ Yes ☐ No

REQUIRED COURT APPEARANCES

1. INITIAL CASE MANAGEMENT CONFERENCE

An Initial Case Management Conference has been scheduled for:

  • Date: [DATE]
  • Time: [TIME]
  • Location: [COURT ADDRESS, ROOM NUMBER]
  • Judge: [JUDGE'S NAME]

BOTH PARTIES MUST APPEAR AT THIS CONFERENCE. Failure to appear may result in orders being entered against the non-appearing party.

2. MANDATORY MEDIATION

In accordance with local court rules, the parties are required to participate in mediation before the final hearing in this matter. Mediation must be completed by [DEADLINE]. Information about court-approved mediators can be obtained from the Clerk of the Court.

3. PARENTING EDUCATION PROGRAM

If minor children are involved, both parties must complete a court-approved parenting education program within [NUMBER OF DAYS] days of service of this Summons. Certificates of completion must be filed with the Court. Information about approved programs can be obtained from the Clerk of the Court.

ALTERNATIVE DISPUTE RESOLUTION OPTIONS

The parties are encouraged to consider the following alternative dispute resolution options to resolve some or all issues in this case:

  1. MEDIATION: A neutral third party helps the parties reach voluntary agreements.
  2. COLLABORATIVE DIVORCE: Both parties and their attorneys agree to resolve all issues without court intervention.
  3. ARBITRATION: A neutral third party makes binding decisions on disputed issues.
  4. EARLY NEUTRAL EVALUATION: A neutral evaluator provides a non-binding assessment of the case.

Information about these options can be obtained from the Court's Alternative Dispute Resolution Coordinator at [CONTACT INFORMATION].

TEMPORARY ORDERS

Either party may request temporary orders regarding:

  • Use and possession of the marital residence
  • Custody and parenting time for minor children
  • Child support
  • Spousal support/maintenance
  • Payment of ongoing expenses and debts
  • Health insurance coverage
  • Use of personal property (including vehicles)
  • Other urgent matters

To request temporary orders, file a Motion for Temporary Orders with the Clerk of the Court and serve a copy on the other party.

SERVICE INFORMATION

This Summons and accompanying documents were served upon the Respondent as follows:

  • Date of Service: [DATE OF SERVICE]

  • Time of Service: [TIME OF SERVICE]

  • Method of Service:

    • ☐ Personal Service
    • ☐ Substitute Service
    • ☐ Service by Mail with Acknowledgment
    • ☐ Service by Publication
    • ☐ Other: [SPECIFY]
  • Person Serving Documents: [SERVER'S NAME]

  • Server's Address: [SERVER'S ADDRESS]

  • Server's Phone Number: [SERVER'S PHONE NUMBER]

COURT CLERK INFORMATION

All documents in this case must be filed with:

[COURT CLERK'S NAME]
Clerk of the [COURT NAME]
[COURT ADDRESS]
[COURT CITY, STATE, ZIP]
[COURT PHONE NUMBER]
[COURT EMAIL/WEBSITE]

Court Hours: [COURT HOURS]

DATED AND SIGNED

Dated this [DAY] day of [MONTH], [YEAR].

[COURT SEAL]


Clerk of the Court

By: ________________________ Deputy Clerk

PETITIONER'S ATTORNEY INFORMATION

[ATTORNEY NAME]
[LAW FIRM NAME]
[ATTORNEY ADDRESS]
[ATTORNEY CITY, STATE, ZIP]
[ATTORNEY PHONE NUMBER]
[ATTORNEY EMAIL ADDRESS]
[ATTORNEY BAR NUMBER]

Indiana Requirements for Divorce Summons

Service of Process Requirements (Indiana Rules of Trial Procedure, Rule 4)

The divorce summons must be properly served to the respondent according to Indiana Rules of Trial Procedure. This includes personal service, certified mail with return receipt, or other court-approved methods. Proper service is essential for the court to establish jurisdiction over both parties.

Residency Requirements (Indiana Code § 31-15-2-6)

The summons must indicate that at least one party has been a resident of Indiana for six months immediately preceding the filing of the petition, and a resident of the county where the petition is filed for at least three months.

No-Fault Divorce Provision (Indiana Code § 31-15-2-3)

The summons must acknowledge Indiana's no-fault divorce grounds, which allow dissolution based on irretrievable breakdown of the marriage without requiring proof of fault by either party.

Waiting Period Notification (Indiana Code § 31-15-2-10)

The summons must inform parties that Indiana law requires a 60-day waiting period from the date of filing before the court can issue a final dissolution decree.

Preliminary Hearing Notice (Indiana Code § 31-15-4-1)

The summons must include notice of any preliminary hearing date set by the court to address temporary matters such as child support, custody, and possession of property during the pendency of the divorce.

Automatic Temporary Restraining Orders (Indiana Code § 31-15-4-3)

The summons must include notification of automatic temporary restraining orders that prevent either party from transferring, encumbering, concealing, or disposing of property except in the usual course of business or for necessities of life.

Financial Disclosure Requirements (Indiana Rules of Trial Procedure, Rule 9(H))

The summons must inform parties of their obligation to complete and exchange financial disclosure forms detailing assets, liabilities, income, and expenses as required by local court rules.

Child Custody Jurisdiction (Indiana Code § 31-21-5-1)

For cases involving children, the summons must address jurisdictional requirements under the Uniform Child Custody Jurisdiction and Enforcement Act (UCCJEA), including information about the children's residence for the past five years.

Child Support Guidelines Notice (Indiana Code § 31-16-6-1)

The summons must inform parties that Indiana Child Support Guidelines will be used to determine child support obligations and that deviation from these guidelines requires specific justification.

Parenting Time Guidelines (Indiana Parenting Time Guidelines)

The summons must reference the Indiana Parenting Time Guidelines that provide the framework for establishing parenting time arrangements unless the court finds they would not be in the best interest of the child.

Mediation Notification (Indiana Code § 31-15-9.4-1)

The summons must inform parties that the court may order mediation to resolve disputes related to child custody, parenting time, and property division before proceeding to trial.

Response Deadline (Indiana Rules of Trial Procedure, Rule 6(C))

The summons must clearly state that the respondent has 20 days (or 23 days if served by mail) to file a written response to the petition, and explain the consequences of failing to respond.

Property Division Principles (Indiana Code § 31-15-7-5)

The summons must inform parties that Indiana follows the principle of equitable distribution of marital property, with a presumption of equal division that can be rebutted by evidence that an equal division would not be just and reasonable.

Military Service Protection (50 U.S.C. § 3901-4043)

The summons must include information about the protections afforded to active-duty military personnel under the Servicemembers Civil Relief Act, including the right to request a stay of proceedings.

Health Insurance Continuation Rights (29 U.S.C. § 1161-1169)

The summons must inform parties of their rights under COBRA to continue health insurance coverage after divorce, including notification requirements and time limits for election.

Retirement Benefits Division (26 U.S.C. § 414(p))

The summons must address the potential division of retirement benefits and the requirement for a Qualified Domestic Relations Order (QDRO) to divide certain retirement accounts without tax penalties.

Tax Filing Status Notification (26 U.S.C. § 71, 215, 1041)

The summons must inform parties about the impact of divorce on tax filing status and potential tax consequences of property transfers and support payments.

Child Abuse Reporting Requirements (Indiana Code § 31-33-5-1)

The summons must include information about mandatory reporting of suspected child abuse or neglect that may arise during divorce proceedings.

Alternative Dispute Resolution Options (Indiana Rules for Alternative Dispute Resolution)

The summons must inform parties of available alternative dispute resolution methods, including collaborative divorce and arbitration, as alternatives to traditional litigation.

Name Change Option (Indiana Code § 31-15-2-18)

The summons must inform the parties that either spouse may request restoration of a former name as part of the divorce decree without additional filing requirements.

Frequently Asked Questions

A divorce summons is a legal document that officially notifies you that your spouse has initiated divorce proceedings. The summons typically contains several key elements: 1) A statement that your spouse (the petitioner) has filed for divorce, 2) The deadline by which you must respond (usually 20-30 days, depending on your state), 3) A warning that failure to respond may result in a default judgment against you, 4) A case number assigned by the court, and 5) Information about the court where the divorce was filed. The summons is usually accompanied by a petition or complaint for divorce that outlines your spouse's requests regarding property division, spousal support, child custody, and child support.

When you receive a divorce summons, you should take these important steps: 1) Note the deadline for response—this is critical and non-negotiable in most cases, 2) Consult with a family law attorney immediately, even if you're considering representing yourself, 3) Prepare a formal written response (called an 'Answer') that addresses each claim in the petition, 4) File your Answer with the same court where the divorce petition was filed, 5) Serve a copy of your Answer to your spouse or their attorney according to your state's requirements, and 6) Keep copies of all documents and proof of filing and service. Failing to respond within the deadline could result in a default judgment, meaning the court may grant everything your spouse requested without considering your position.

Business owners face unique challenges during divorce proceedings. When you receive a divorce summons, you should immediately: 1) Gather all business financial records, including valuation documents, tax returns, and profit/loss statements, 2) Consider hiring a business valuation expert to establish a fair market value for your business, 3) Understand whether your business is separate property, marital property, or a combination based on when it was established and how it was funded, 4) Prepare for potential scenarios such as buying out your spouse's interest, selling the business, or co-ownership arrangements, 5) Protect business operations by establishing clear communication boundaries with employees and partners about the divorce, and 6) Consider cash flow implications if you need to pay a settlement. Working with both a divorce attorney who understands business issues and your business attorney is often the best approach.

For couples in long-term marriages with significant assets, a divorce summons initiates a complex process of asset division. You should: 1) Begin compiling a comprehensive inventory of all assets acquired during the marriage, including real estate, investments, retirement accounts, art, collectibles, and other valuables, 2) Gather documentation showing the origin of assets (inherited, pre-marital, or acquired during marriage), 3) Consider hiring a forensic accountant to uncover any hidden assets, 4) Understand that in long-term marriages, courts often favor more equal distribution of marital assets, regardless of who earned them, 5) Prepare for complex tax implications of dividing certain assets like retirement accounts and investment portfolios, and 6) Consider mediation or collaborative divorce approaches to preserve more of your wealth rather than depleting it through prolonged litigation.

Parents with minor children should prioritize these aspects when responding to a divorce summons: 1) Review the proposed custody and parenting time arrangements in the petition carefully, 2) Begin documenting your involvement in your children's lives and gathering evidence of your parenting capabilities, 3) Consider whether to request temporary orders regarding custody, visitation, and child support during the divorce process, 4) Prepare financial information relevant to child support calculations, including income documentation and children's expenses, 5) Avoid making any sudden changes to children's routines or speaking negatively about the other parent, as this could affect custody decisions, and 6) Consider working with a family therapist to help children process the changes and to demonstrate your commitment to their emotional wellbeing. Remember that courts prioritize the best interests of the children, so focus your response on how your proposed arrangements serve those interests.

No, ignoring or refusing to accept a divorce summons will not stop the divorce process and will likely harm your position. If you refuse to physically accept the papers, the server can often leave them at your residence or place of employment, constituting legal service in many jurisdictions. If you cannot be located, your spouse may be permitted to serve you through alternative means such as publication in a newspaper. If you ignore a properly served summons and fail to respond by the deadline, the court can issue a default judgment, potentially granting all the requests in your spouse's petition without your input. This could result in unfavorable terms regarding asset division, business interests, spousal support, child custody, and child support. The best approach is always to accept the summons and seek legal counsel immediately.

A divorce summons can impact your business operations in several ways: 1) Financial disclosure requirements may necessitate sharing sensitive business information, 2) The discovery process might require you to provide access to business records, potentially disrupting operations, 3) If your spouse claims partial ownership, you may face uncertainty about decision-making authority during proceedings, 4) Business valuation processes might require time with financial officers and accountants, taking them away from regular duties, 5) Concerns about the business's future might affect employee morale and retention, and 6) Cash flow could be affected if you need to buy out your spouse's interest or pay a settlement. To minimize disruption, consider establishing a communication plan with key employees, maintaining business as usual to preserve value, and working with your attorney to protect confidential business information through appropriate protective orders.

When responding to a divorce summons, you can request temporary orders (also called pendente lite relief) to establish arrangements during the divorce process. These may include: 1) Temporary child custody and visitation schedules, 2) Temporary child support and spousal support, 3) Temporary exclusive use of the marital home, 4) Orders preventing the sale or transfer of marital assets, 5) Temporary responsibility allocations for marital debts and household expenses, 6) Temporary restraining orders if there are safety concerns, and 7) For business owners, orders regarding business operations and access to business accounts. These temporary orders remain in effect until the final divorce decree is issued. Request these orders in your Answer to the summons or in a separate motion for temporary relief, depending on your state's procedures.

When responding to a divorce summons that may affect retirement accounts and investments, consider these steps: 1) Identify all retirement accounts and investments, including 401(k)s, IRAs, pensions, stock options, and deferred compensation, 2) Determine which portions are marital property versus separate property, 3) Gather statements showing account values at the date of marriage and current values, 4) Understand that qualified retirement accounts typically require a Qualified Domestic Relations Order (QDRO) to divide without tax penalties, 5) Consider the tax implications of liquidating investments to fund settlements, 6) Evaluate whether keeping certain accounts intact (rather than splitting them) makes financial sense, and 7) Consult with both a divorce attorney and a financial advisor who specializes in divorce. Your response to the summons should indicate your position on these assets, especially if you disagree with your spouse's proposed division.

After responding to a divorce summons, the process typically proceeds as follows: 1) The discovery phase begins, where both parties exchange detailed financial information and other relevant documents, 2) Temporary orders may be established regarding support, custody, and asset use during the proceedings, 3) Negotiations between attorneys or through mediation may commence to reach settlement on contested issues, 4) If you own a business or have complex assets, expert valuations and financial analyses will be conducted, 5) If you have children, parenting evaluations or guardian ad litem appointments might occur, 6) Court hearings may be scheduled for issues that cannot be resolved through negotiation, 7) If a full agreement is reached, a settlement agreement will be drafted and submitted to the court, and 8) If no agreement is reached, the case will proceed to trial where a judge will make final decisions. Throughout this process, continue consulting with your attorney and consider working with financial advisors and therapists as needed.