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Whatever the reason, today's truth is that women, not men, take the financial hit in divorce -- and it takes years to recover. Multiple studies conducted over the last 10 years all demonstrate that a woman's income drops significantly after divorce, while a man's stays the same or increases.

Unfortunately, you cannot empty or freeze the joint account because the other spouse owns half of it. You could remove half without any concern, though. You technically could remove it all if no petition for divorce has been filed, but that will have to be accounted for and offset during the divorce.

Open Separate Accounts: If possible, establish accounts in your name only to safeguard your income and any new assets acquired after separation. Avoid Major Financial Changes: Refrain from making significant financial decisions--like selling property or transferring assets--without legal advice.

Assets that may be protected from equitable distribution during a divorce are typically belong to one of two types: premarital property that has been kept from being commingled or transitioned and gifts or inheritances.

If you serve the form by mail, it must be done prior to your placing your action on the court's calendar, because you will need to file the original form with the other required forms. Service by mail must be done by someone other than the Plaintiff who is over the age of 18 and not a party to the action.

What to File Summons with Notice or Summons and Complaint. Notice of Automatic Orders. Notice Concerning Continuation of Health Care Coverage. Settlement Agreement - if you have one. There is a $35 fee to file the agreement.

If you were served with the Summons With Notice, then you must file a "Notice of Appearance and Demand." You can download the Notice of Appearance from NYCourts website in a Word Document. Look for form GF-29 to find the Notice of Appearance form online.

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Those served papers in New York have 20 days to respond, while individuals outside of the state have 30 days to do so. The proceeding is considered an uncontested divorce if the defendant signs and returns their affidavit after being served. The defendant can also contest the divorce by filing a notice of appearance.