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DIY Divorce Checklist for California Couples

Dina Haddad

Founder & Attorney Mediator

I’m Dina Haddad, a family law attorney-mediator in California. I’m so tired of couples not having a process that’s easy to complete their divorce. They are getting lost, wasting time and money, and beyond frustrated with their results.That’s why I created The Complete Divorce. I took my successful mediation practice and condensed it into an affordable and winning program.

What is a DIY Divorce? And Is it Right for My Case?

DIY divorce is when you do all or most of the work in getting a California divorce by yourself without an attorney. This allows many people to save money and have some say in how things go.

The answer to whether you should use DIY will depend on the specifics of your situation, how much you agree with your spouse on the issues, and how complex your case is.

 

Divorce Expert, Dina’s Note: In 2006, I saw the need for affordable legal services before the AI-boom. The Complete Divorce was crafted with care so that you can easily divorce from the comfort of your home. 

 

We are constantly improving the program and keeping it up to date with California’s changes, including the new joint petition, FL-700. Subscribe and join at the next live webinar. 

When DIY Works Well

01.
Both spouses agree on major issues (property, support, custody)

A DIY divorce is often possible if the couple has already agreed on how they will divide their marital property, who will pay support to whom, and all other terms related to the children, including custody and visitation rights.

Since there are few disputes, there will be fewer procedural problems that could increase costs or delays.

02.
No complex business assets, pensions, or stock options

Neither spouse owns business interests, such as stocks or real estate holdings, nor does either party have an interest in any pension plans.

When couples have uncomplicated financial situations, they typically face fewer financial and legal issues. Therefore, it would likely be easier to settle your marital assets through a self-represented action.

03.
You're willing to be organized and detail-oriented

The California court system has very specific rules regarding paperwork requirements, filing timelines, and disclosure statements for divorcing parties.

Organizing documents prior to submission to the court will help avoid re-filing due to errors or omissions.

04.
Your case is uncontested (you don't need a trial)

If spouses can reach an agreement and execute a full and complete settlement agreement, the divorce will generally take less time.

It will also be more predictable, and cost significantly less than if the couple were litigating issues before a judge.

When You Should Get Professional Support

01.
Domestic violence or safety concerns

When you have experienced domestic violence, harassment, intimidation, or other safety concerns, it is advisable to seek the services of a professional.

There may be times when you will need to obtain protective orders, deal with child custody issues, or find ways to safely communicate.

02.
Highly contested divorce

When divorcing spouses cannot agree on issues such as child custody, support, property division, or financial responsibilities, a DIY divorce can quickly become lengthy and stressful.

If negotiations repeatedly fail, professional guidance can help protect your legal rights and reduce the risk of costly mistakes.

03.
You or your spouse owns a business

Business ownership often requires valuation, income analysis, tax planning, and determining whether the business is separate or community property.

These issues are significantly more complex than dividing ordinary assets and usually require professional assistance.

04.
Your spouse is unresponsive

An unresponsive spouse can create service, filing deadlines, and default judgment issues that may delay your divorce process.

Professional assistance helps ensure every required step is completed accurately and on time.

The Complete Divorce Fully Assisted DIY Divorce Program

If you want help with your divorce without hiring a lawyer, The Complete Divorce can guide you from start to finish. We review your paperwork and provide you with access to educational materials regarding the divorce process. 

 

Additionally, we assist you in preparing accurate divorce papers at a cost that is much less expensive than what you would pay if represented by a lawyer. Learn more about our pricing here. The program offers the following benefits to self-representation couples: 

California DIY Divorce Checklist — The Divorce Initials Yet Essentials

Make certain that you meet California’s residency requirements prior to filing for a divorce. This checklist is specifically designed for non-military spouses. Filing too early could cause a delay in your divorce or force you to file for Legal Separation first. Learn more about legal separation vs divorce.

 

  • Live in California for at least 6 continuous months:
    A minimum of one spouse must have resided in California for at least six (6) continuous months preceding the filing date. Temporary absences from California are usually acceptable; however, the primary residence must remain in California.


  • Live in the filing county for at least 3 months:
    The same spouse must have lived in the county where the divorce action will be filed for at least three (3) months preceding the submission of the petition.

    If you fail to properly identify the correct county of jurisdiction, this could lead to unnecessary delay.

Before filling out any divorce forms, decide which of California’s divorce processes is best suited to your case. 

Some couples may qualify for a short-cut Summary Dissolution , but many will need to file a regular dissolution. To choose, you first need to understand the requirement for both types:

Requirements for Summary Dissolution

  • Short marriage and no children:
    Generally, couples must have been married for fewer than 5 (five) years, must have no minor children at the time of filing, and either spouse may not be pregnant.


  • Limited assets and debts:
    Both parties’ Community Property and Separate Property must fall within California’s asset/property value thresholds, as well as the maximum allowable amount of Community Debts allowed by statute. Additionally, retirement accounts will need to be considered in valuing your community property.


  • Agreement on every issue:
    Both spouses must sign an agreement to divorce, waive rights to spousal support, and reach a full and final agreement regarding the division of all property. Any disagreement or change of heart by either party after signing this agreement will terminate the simplified dissolution process.

Requirements for Standard Dissolution

  • You don’t qualify for Summary Dissolution:
    If you do not meet the conditions for a Summary Dissolution, you will need to go with the normal (standard) method of dissolving your marriage in California.

    While choosing the “normal” method may be used in your case, it is possible to get an uncontested divorce.


  • Children, property, or support issues:
    Standard Dissolution is used when you have minor children, title to real estate, need Spousal Support, or the financials of your situation will exceed the summary dissolution limits. 

  • Contested or uncontested cases: You can complete a normal divorce without going to trial through an uncontested divorce. This is when both parties settle all core disputes, requiring no court involvement beyond the final judgment.

Having all your identification documents in front of you when filling out legal documents will help keep the process moving and make it a lot simpler to fill out legal documents.


  • Certified marriage certificate:
    You can obtain a certified copy of your marriage certificate. The information on this document is used to accurately enter your marriage into the divorce papers as well as verify that you were married.


  • Government-issued photo identification:
    Keep an active driver’s license, passport, etc., for both spouses if possible. Valid identification will help eliminate inconsistencies when filing paperwork. 


  • Social Security cards:
    Depending on which court forms are being filled out, you may need your ss card info for financial disclosures and/or support calculations. Please store this information so that it is accessible during your case. 


  • Birth certificates of minor children:
    If you have children under the age of 18, obtain copies of their birth certificates prior to preparing the custody and child support papers.


  • Prenuptial or postnuptial agreements:
    Locate any prenuptial or postnuptial agreements that were executed by you and your spouse prior to filing. This type of agreement(s) may determine how property is divided, debt is allocated, and spousal support is determined, and should be reviewed.

In California, both parties are legally required to disclose their finances accurately, signed under penalty of perjury, within 60 days of filing. 

Failing to do this can delay your divorce, attract court fines, or affect the validity of your divorce judgment in the future.

  • Income records: Get copies of your last three (3) months’ worth of pay stubs as well as documentation of bonuses, commissions, income from self-employment, and any other sources of income. A full listing of income will help in accurate support calculations.


  • Banking, property, and debt records: Get recent bank/investment statements, mortgage statements, property tax bills, titles to vehicles, total amounts owed on all loans, and lists of all credit cards/loans and medical debts. This document helps determine all community (marital) obligations of each spouse.


  • Retirement, business, and separate property documents: Add the retirement account statements, pension, business owner information, etc., for any documents that prove inheritance/gifted property claims. This is to separate your personal property from community property.


  • Identify everything that must be divided: Prepare a detailed listing of vehicles, retirement accounts, bank accounts established during the marriage, businesses, stock holdings, Restricted Stock Units (RSUs), cryptocurrencies, etc., before you fill out your financial information.

California DIY Divorce Checklist: The Petition Filing

Once you file your petition for dissolution, your California divorce will begin. Everything in your filing form lays the foundation for your case, from serving your spouse to obtaining the final judgment. 

Therefore, it is extremely important that you complete your documents accurately and in full. Incomplete or inaccurate paperwork may cause delays in your case. 

The FL-100 Petition for Divorce informs the court as to what you would like to see happen in your case. 

This includes providing the court with details pertaining to your marriage, any minor children you have, and any type of relief you feel is necessary. 

Fill out each portion of the form as carefully as possible. Mistakes made during the initial filling out of the form may require changes later.

You must notify your spouse that a divorce case has been filed against them and explain the limitations that exist as long as your case remains open.
 

Both the FL-110 Summons and the FL-100 Petition must be submitted with the filing of your petition. Once you receive your Case Number, you must personally serve your spouse with both of these documents.

If you and your spouse have children who are less than 18 years old at the time of filing, you must complete the FL-105 so that the court knows where each child has lived since birth. 

 

Additionally, you need to indicate whether there are any custody actions currently pending. This document will assist the court in determining jurisdiction over all aspects of child custody.

Once you have completed and signed all of the documents listed above, you must submit them to the Superior Court within the proper county, along with payment of a filing fee or obtain a fee waiver if eligible.

As part of TCD’s Fully Assisted Divorce Service, we will prepare and submit your entire petition package, minimizing the potential for errors when filing the documents with the court.

California DIY Divorce Checklist — Serving The Spouse

Serving your spouse is a major step in your California DIY divorce. The court will not proceed with your case until it receives evidence that service was properly completed and proof of service has been filed. 

Omitting a required document or employing the wrong person to deliver the documents could slow down your divorce, and you would likely need to do the process again.

  • You cannot serve the papers yourself: California state law mandates that an individual serving the divorce documents be at least 18 years old and not a party to the divorce.

    This law guarantees that the service process is fair and legal. Therefore, if you physically give the divorce paperwork to your spouse, then the service is voided.


  • Choose an eligible server: A professional process server, a relative or friend who is at least 18 years old, or the local sheriff’s department (which offers this type of service) are options for serving the divorce documents.

    Choose someone who can successfully complete the service and record when and how the divorce documents were served.


  • Serve the required documents: Typically, a service packet consists of a copy of your FL-100 Petition; a copy of your FL-110 Summons; a completed FL-105 UCCJEA Declaration (if there are minor children); and a blank FL-120 Response.
    Ensure all forms necessary for service are included in the service packet before completing service.


  • Keep accurate service records: Complete a record documenting the date, time, location, and manner by which the divorce documents were served.

    These details will be used to accurately complete the FL-115 Proof of Service of Summons and will help prevent errors during filing.
  • Complete and file FL-115: The person who completed the service on your spouse must complete the FL-115 and sign it. After completion, the signed document should be filed with the court so the court knows when service was properly effected for the purpose of proceeding with the divorce.


  • Know the response deadline: Once the service documents have been filed, your spouse will typically have 30 days from the filing date (or 35 days if mailed) to file an answer.
    Therefore, you need to keep track of both of those time frames until they pass.


  • What if your spouse doesn’t respond?: If there is no response after the time frame has expired, you may be able to ask for a “default” divorce.

    The court can enter a default final judgment if you comply with all of the legal requirements for doing so. Even though your spouse did not participate in the process, your case can proceed through to its conclusion.

Checklist: Completing The Financial Disclosures

Financial disclosures are mandatory for all divorces in California, except when an applicable legal exemption applies. Under penalty of perjury, each spouse must provide full disclosure regarding his/her income, assets, liabilities (debts), and expenses. 

Failure to do so completely and accurately may delay proceedings, result in court sanctions, or even have a subsequent court judgment entered against you if it is determined at some future time that assets were concealed or omitted. 

This will protect both parties from any claims of fraud and allow the court to verify that any agreement reached was made with a clear understanding by each party of the other’s true financial situation.

  • Each spouse must complete and exchange disclosures: Each spouse will have to create their own Preliminary Declaration of Disclosure and exchange it with the other spouse.

    The documents are traded between the parties, but no copies are ever filed with the Court unless used as evidence of a successful exchange.


  • Complete FL-140 (Declaration of Disclosure): Your FL-140 will be the “cover” document for your package of disclosure information. The FL-140 will list which disclosure documents you’re exchanging, along with listing what additional supporting documentation was included with your disclosure.


  • Complete FL-142 or FL-160: You’ll need to attach either FL-142 (the Schedule of Assets and Debts) or FL-160 (the Property Declaration).
    Regardless of whether you choose to file separately, include all of your assets and debts fully listed.


  • Meet the disclosure deadline: Generally, the Petitioner must serve preliminary disclosures within sixty (60) days from when they served the petition, while the Respondent has sixty (60) days from when they served the Response.
  • File FL-141 after exchanging disclosures: After exchanging disclosures, file document FL-141 with the court. The purpose of this document will be to confirm that you exchanged the necessary disclosures without disclosing your confidential financial information.


  • Your case cannot move forward without it: Generally, the court cannot enter a judgment of dissolution unless the disclosure procedures as set forth by law have been complied with.

    By filing document FL-141, you demonstrate compliance and assist in preventing delays which are unnecessary.


  • Keep proof of the exchange: Ensure to retain copies of all disclosure documents and other documentation related to service and/or receipt of such documents.

    In addition to providing a means to prove compliance upon challenge, good record-keeping can also serve as a basis for responding to questions about your compliance.


  • Can final disclosures be waived?: Yes, spouses who are divorcing without controversy (uncontested) may choose to waive mutual final declarations of disclosure, provided both spouses meet the applicable legal requirements. However, preliminary declarations of disclosure cannot be waived. 

California DIY Divorce Checklist: Completing the MSA

Your marital settlement agreement (MSA) will outline how you have resolved all of the issues to which both you and your spouse agree as part of your divorce. 

 

The courts may reject an MSA if it lacks clarity or detail, contains conflicting information, or otherwise fails to meet the required standards. 

 

An MSA outlines the terms of your legal rights and responsibilities, so it is considered a key document for a DIY divorce. This importance is why The Complete Divorce offers full support to spouses to draft a legally enforceable MSA.

Draft Your Marital Settlement Agreement

Drafting a good MSA is a matter of clarity. The best way to draft an MSA is to use specific language. 

This will help ensure that you avoid vagueness and cover all marital assets and obligations. Both parties sign and have their signatures witnessed by a notary public once they agree on the final terms. 

The Complete Divorce can assist in reviewing an MSA for completeness and checking for common drafting errors prior to submission.

  • Division of personal property and household goods
  • Division of real estate (home, etc.)
  • Division of retirement funds (pensions, 401k, etc.)
  • Amounts of spousal support; whether spousal support shall continue indefinitely or how long spousal support shall last
  • Child Custody Arrangements, including child visitation rights if there are children from this marriage
  • Amounts of Child Support payments and duration per California law
  • Who is responsible for debt obligations, i.e., credit cards, bank loans, mortgages, car loans, etc.

Does Your MSA Require a QDRO?

No Qualified Domestic Relations Order (QDRO) is needed to transfer money from either spouse’s retirement account(s) unless a QDRO is required to divide many types of employer-sponsored retirement accounts (such as 401(k)s and/or pensions). 

However, you would require a QDRO if your retirement benefit(s) were being transferred from a retirement plan that does not allow transfers without a QDRO.

California DIY Divorce Checklist — Putting the Last Brick

You are very close to finishing the divorce process; however, it will not be finalized until all required steps are completed. 

Before submitting your final paperwork, you should verify that your MSA has been signed, your financial disclosures have been exchanged appropriately, and that you have completed your parenting plan if you have minor children. 

 

California requires an additional 6-month waiting period from the time the respondent is served or appears in the case before a divorce becomes final. 

 

The waiting period cannot be shortened or waived regardless of whether both parties agree or if all documents have been reviewed/approved by the court.

Complete all necessary paperwork needed to get your divorce finalized by the court. This can generally be found in the “Final Papers” section of your case file (Judgment Packet), with typical items being the FL-180 (Judgment), the FL-190 (Notice of Entry of Judgment), any other relevant property declaration forms, and the FL-335 (Proof of Service by Mail), to confirm that your spouse has received the Final Judgment Package. If applicable, include the Child Support Orders and/or your Parenting Plan/Custody Order.

Generally No. Because Dina Haddad reviews all paperwork submitted through our service for accuracy, most divorces completed through The Complete Divorce do not require an appearance in court. 

An exception would be if you elected to complete this process independently via our DIY program ($49.99), or if the court requests further clarification, additional documentation, or other information to enter judgment.

Once you have approval from the judge that your case is approved, both parties will get a copy of FL-180 and FL-190 (which are signed) via U.S. Mail. 

 

Once the waiting time for a minimum of six months has passed and if there is no longer a mandatory waiting time as per your situation, your divorce can be filed as “officially” finalized on the date stated in the judgment.

FAQ — DIY Divorce Checklist

The cost of a DIY divorce will depend on your eligibility for a fee waiver by the court, and choose to use the document preparation services offered through online resources or elect to hire an attorney to assist you with document preparation and/or review.

In California, a minimum of six months must pass before a divorce becomes effective. This six-month waiting period commences upon either the Respondent being personally served with the Petition or the Respondent filing their response. 

As long as both parties work cooperatively and submit all necessary documentation accurately and promptly, the DIY divorce can be finalized shortly after the six-month waiting period.

Yes, having children does not exclude you from completing a DIY divorce. There are, however, additional forms that you will need to fill out concerning child custody, visitation rights, child support, and parental responsibilities/parenting arrangements.

 If you and your former spouse can reach an agreement regarding these matters, it is likely that you will still be able to complete a DIY divorce.

In most cases, if your spouse does not respond by the due date, you will be eligible for a Default Divorce. 

You will have to submit all the necessary paperwork and meet all California Disclosure and Service Requirements prior to the Court being able to enter a Judgment on this matter.

Usually, no. The majority of Uncontested California DIY Divorces are finalized by completing all necessary paperwork without both spouses ever having to stand before a Judge. 

A Hearing may be scheduled by the Court however when documents submitted are deemed incomplete or insufficient, or there are additional questions or disputes remaining that cannot be resolved through the submitted documentation.