How Can I Finance My Illinois Divorce as a Stay-at-Home Parent?

 Posted on March 31, 2025 in Divorce

Divorce can be financially challenging, especially for people who have dedicated themselves to caring for their household and children rather than earning an income. If you are a stay-at-home parent facing divorce, it is important to understand what the legal costs might be and how to manage them. A knowledgeable Illinois family law attorney with experience working with clients in similar situations can answer your questions and help you set realistic expectations.

How Much Does Divorce Cost in Illinois?

The cost of a divorce can vary widely depending on several factors such as the complexity of the case, whether it is contested, and the level of conflict involved. Typical expenses include attorney fees, court filing fees, mediation costs, and fees for financial or child custody experts. Attorney fees are often the most significant expense, with hourly rates varying significantly by region and the complexity of the case.

If your divorce involves disputes over child custody, property division, or spousal support, these costs might increase. A simple, uncontested divorce could cost a few thousand dollars; a high-conflict contested divorce can cost much more. A divorce lawyer can review the details of your situation and help you understand the potential expenses so you can prepare and explore options for funding your divorce.

How Am I Supposed to Pay for My Divorce?

For a stay-at-home parent without independent income, financing a divorce can seem daunting. However, several options for managing the costs might appeal to you:

Requesting Temporary Support

Illinois courts can order temporary spousal support or require your spouse to contribute to your legal fees during the divorce process if he earns more than you. This form of financial assistance can help ensure you have adequate representation while the divorce is ongoing.

Utilizing Marital Funds

Funds from joint bank accounts or other marital assets can often be used to cover divorce-related expenses. You might need court approval to access these resources, to ensure fairness during property division.

Legal Fee Petitions

Illinois courts can require the higher-earning spouse to contribute to the other spouse’s attorney fees if there is a significant financial imbalance between them. This is particularly relevant for stay-at-home parents who lack independent income.

Credit and Personal Loans

Some people choose to finance their divorce through personal loans or credit cards. This method can provide immediate access to funds, but it is important to consider the long-term financial implications before taking on debt.

Contact a Lombard, IL Family Law Attorney for Guidance

If you are a stay-at-home parent facing divorce, speak with an experienced DuPage County, IL divorce lawyer who can help you understand your options for financing your case and protecting your financial interests. At A. Traub & Associates, we are committed to helping clients get their best outcome regardless of their income level. Call us at 630-426-0196 to learn more about how we can assist you throughout the divorce process.