This is the story of the great American legal system that chewed up a man in the process of getting a divorce and drove him to seek refuge outside of the country.

Divorce Horror Story: Desperate and Driven Out of the Country - getting a divorce in ny - finances after divorce - starting over with nothing after divorce

Divorce Horror Story: Desperate and Driven Out of the Country

My name is Paul Smith,* and I am a fugitive. This is my divorce horror story.

 

I’ve worked hard, obeyed the law, and paid my taxes. I believed in the twin pillars of truth and justice. But those last two principles were shattered at the unclean hands of the great state of New York and its legal system.

 

The nightmare started with legal papers requesting a divorce.

 

In disbelief, I learned that my working ex-wife demanded 70 percent of my take-home pay in monthly alimony and child support payments.Click To Tweet

 

I’d worked hard for my degrees and my career. While I could see the reason behind paying up to 50 percent of my income, I reached a mental block at paying three-quarters of my income. I tried to negotiate, but the other side wouldn’t budge. Outraged, I believed that the divorce courts couldn’t possibly side with such a demand. This was the equivalent of a six-figure income. I was determined to fight it.

 

I was wrong, which is how it came to be that, years later and six figures in legal fees poorer, I was to sit in the courtroom and hear a judge grant my ex-wife a sum that amounted to 75 percent of my take-home pay in alimony and child support. She also received the lion’s share of assets and a large chunk of my pension, and I received all of the debts — credit card debt, IRS debt, mortgage debt. I also had all my rights as a parent systematically stripped away, but that is another story.

 

Getting a Divorce in NY

New York State had already become a “no-fault” state by the time my divorce process started. Many people incorrectly believe that in a “no-fault” state, assets and debts are simply split down the middle. That isn’t true. Assets and debts are distributed according to the rules of “equitable distribution.” This means that the court takes many factors into account, including the incomes of the parties, their perceived needs, and “any other factor the court deems relevant.”

 

If there’s a big discrepancy between the parties’ incomes, the higher earner will usually receive more of the debt and the lower earner will receive more of the assets. The rationale is that it’s easier for the high earner to get back on his or her feet again. Likewise, if the lower earner has a child to support, the court will again assume that it takes more money to support both an adult and a child than an adult alone. Therefore, more of the money will be allocated to the parent with the child.

 

Until you’ve experienced the divorce process, you simply won’t believe how expensive, biased, and corrupt family court is; the willful blindness of the system; or the depths that your ex-partner can plumb. The process is akin to stepping into the second circle of hell. Exposed to the worst side of human nature, the experience will forever change you.

 

What Happened to My Finances After Divorce

After the divorce court judgment, I struggled on hopelessly for a while. My employer deducted my payments, and what remained of my salary wasn’t enough. After paying my bills, I had $50 for food and $50 for public transport to work.

 

On Sunday, I would cook a pot of vegetable stew and eat that with bread every night for the week. I had no other meals. My apartment was unheated. I stopped buying clothes, skipped dentist visits, and cut unnecessary expenses. I sold my one remaining asset, my car. Yet I still had to borrow money from my brother or from a friend, as I was drowning in debt.

 

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I often had nightmares, and I woke up with a feeling of dread every morning. I wanted to appeal the judgment, but my attorney turned his back because I owed him a hefty sum. Both my parents had already died, and with my wife and child gone, I felt utterly alone.

 

A month late with rent and threatened with eviction, I fell to my lowest weight in 20 years. I still had insomnia and nightmares and was taking tranquilizers. I often went hungry. Kind friends would sometimes buy me lunch. I felt wretched. I couldn’t believe that I could be an educated professional, working long hours in a well-paid and demanding job, and yet be reduced to wearing socks with holes and eating vegetable stew in an unheated apartment. Meanwhile, my ex-wife bought new cars and a wardrobe of designer gear to wear on vacations with her live-in boyfriend.

 

Further Financial Hardship

Then I lost my job. The job market was stagnant, and the salary at a new job on offer was lower. I was told that it was unlikely that the court would agree to adjust my payments downward. An attorney told me that the IRS would assume that I was “intentionally underemployed” and so would “impute income” to me.

 

I realized that I no longer had the right to choose my own employment. I calculated that the best scenario meant that I would be working for the next 15 years just to straighten out my finances after divorce; that I could never again own a home; and that because my ex-wife had been granted a large chunk of my pension, I would never be able to afford to retire. I felt that I had effectively received a life sentence. It was hopeless. I felt like I was starting over with nothing after the divorce.

 

The IRS demanded a vast sum of money in joint back taxes from the marriage. It threatened to deduct even more of my income, since the IRS can legally deduct almost all of your income, leaving you with just a few hundred dollars a month. That doesn’t go far in New York City, and I was refused food stamps and welfare. To avoid ending up on the street, I made an arrangement with the IRS to make regular payments, which I still couldn’t afford. I paid the first installment using my food money. But time was clearly running out for me.

 

TAKE ACTION

While you hope that something like this will never happen, it’s important to set aside money in an emergency fund for just this reason. Use companies like Personal Capital and Stash Invest to help you save and grow that fund.

 

Starting Over With Nothing After Divorce

I was in despair that the divorce courts had treated me so badly. But I refused to be a burden to my family or friends. I began to view the homeless on the streets in a new light and wondered how it would feel to join their ranks.

 

The only viable option apart from suicide was to leave the country. It became a logical matter of survival and of preserving my right to be free and not a slave. I determined that I would vanish. That I would stick it to the man and the corrupt legal system and rebuild my life.

 

I secretly planned suicide several times and made concrete plans as to how I would do it, but I never actually set the date to kill myself. Now I’m incredibly relieved that I didn’t go through with it. Instead, I try to forget and view every sunset on this distant shore as a blessing.

 

A Final Thought

Sometimes the invisible waves of recollection flow outward from my old life. The shout of color in the fall and the caressing warmth of kitchens. The leaf-dappled sunshine on the brownstones. The face of my child.

 

The Big Apple tries to pull me back — to pull back one member of its shadowy army of dispossessed and persecuted ex-spouses. It always has, and it always will, until maybe even the last of us comes home.

 

In my next article, I’ll cover financial tips for surviving the divorce process that your attorney may not tell you.

 

*Name has been changed to protect privacy.

 

For more from Author Paul Smith*, click here

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