What immediate documents should I collect after a household split?

Collect the certified divorce decree and settlement, titles and deeds for real property, vehicle titles and lender payoff statements, account statements for bank and investment accounts, recent tax returns, insurance ID cards, and any court orders or lien documents.

How long do I have to elect COBRA and how long does coverage last?

You have a limited election window to choose COBRA (check HealthCare.gov for exact timing, commonly about 60 days from notice or loss of coverage). COBRA continuation typically lasts up to 18 to 36 months depending on circumstances.

Do I need to change property titles and how is that done?

If the settlement requires transfer, record a deed change with the county recorder. Removing a name may require a deed amendment, quitclaim, or court order depending on the title type and settlement language. Consult counsel and provide certified decree language when recording.

How can I remove my name from a mortgage or property loan?

Most lenders require refinancing to remove a name; that involves a credit and income review. If refinancing is not possible, consider a formal buyout, selling the property, or other settlement terms documented in the decree and coordinated with the lender.

What steps should I take to separate joint bank and investment accounts?

Open individual bank and investment accounts, transfer funds per the settlement, then close or freeze joint accounts. Update beneficiary designations and power of attorney forms as advised by counsel and keep records of transfers and communications.

How do I maintain health coverage continuity during the transition?

Gather proof of the event (decree, income, recent tax return), check special enrollment and COBRA windows, compare COBRA, new employer plans, and Marketplace options, and apply within the allowed period to avoid coverage gaps. Notify clinicians to ensure medication and care continuity.

What should be on my 30 day ownership checklist?

Create a written inventory of all titles and accounts, obtain certified copies of the decree and settlement language, start title change requests where required, and keep all documents in one folder for counsel and lenders.

Where can I find trusted resources and legal help?

Use HealthCare.gov, the IRS, SSA, AARP, state bar referral services, and local legal aid or nonprofit job training. For state-specific family law (for example Florida), consult the state bar and court portals and search Florida Statutes Chapter 61.

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