logologo

647.812.8462

  • ABOUT
  • WHAT WE DO
    • REAL ESTATE
    • WILLS & ESTATES
    • IMMIGRATION
    • FAMILY LAW
    • BUSINESS
    • NOTARY SERVICES
  • LEGAL FEES
  • BLOG
  • CONTACT
  • ABOUT
  • WHAT WE DO
    • REAL ESTATE
    • WILLS & ESTATES
    • IMMIGRATION
    • FAMILY LAW
    • BUSINESS
    • NOTARY SERVICES
  • LEGAL FEES
  • BLOG
  • CONTACT
logologo

647.812.8462

  • ABOUT
  • WHAT WE DO
    • REAL ESTATE
    • WILLS & ESTATES
    • IMMIGRATION
    • FAMILY LAW
    • BUSINESS
    • NOTARY SERVICES
  • LEGAL FEES
  • BLOG
  • CONTACT
logologo

647.812.8462

  • ABOUT
  • WHAT WE DO
    • REAL ESTATE
    • WILLS & ESTATES
    • IMMIGRATION
    • FAMILY LAW
    • BUSINESS
    • NOTARY SERVICES
  • LEGAL FEES
  • BLOG
  • CONTACT
by Monica Beffa
BLOG, FamilyNovember 16, 20210 comments

The COVID-19 Impact on Marriage and Divorce

Don’t have time to read  ? WATCH THE VIDEO!

By Alexandra Balaj & Monica Beffa

You’ve probably heard these phrases before: “many couples who went through quarantine together are now engaged”, “the pandemic has increased incidents of domestic violence”, “married couples are realizing they can’t stand being stuck at home together”, “with nothing to do during the lockdown, there’s going to be an increase in the number of pregnancies”. Despite conflicting data and reports, one thing is clear, COVID-19 impact on marriage and divorce had been significant.

If you were to ask a family lawyer, they would point to one trend that has emerged over the past year; there has been a 30-40% increase in inquiries about divorce. According to Statistics Canada, most marriages last an average of 14 years. The pandemic has accelerated that timeline. Of the number of separations or divorces since March of 2020, most of them have been shorter than the average 14 years. So not only have more marriages been falling apart since the pandemic started, but they’ve also been falling apart faster as a result.

Why Are Marriages Breaking Down During COVID?

While no two marriages are the same, several emerging factors have contributed to the rise in ruptures.

  • First, city-wide lockdowns have increased the number of families dealing with job loss or a business closure. According to the American Family Survey of July 2020, more families who faced economic hardship since COVID have reported an increased strain on their marriages than families whose economic situations have remained the same or improved. Financial stress, whether large or small, contributes to rising concerns about the near future.
  • Second, catching coronavirus or dealing with a passing of a loved one have been huge, unanticipated sources of stress this past year.
  • Third, one comparatively less serious impact of the lockdowns and quarantines on couples has been having to get used to unfamiliar daily routines. More couples have been working from home, some have invited their parents to live with them and their children have been attending school virtually. In a nutshell, spouses have been seeing more of each other than they normally would. Without the usual physical distance brought on by work and other out-of-the-house activities, couples have been confined in the same house without the usual distance or breaks from one another. One family lawyer told CBC News that couples in these situations “are seeing a different side of their spouse that they didn’t know existed” which is causing some people to “decide their partner is not right for them”.

These are just some of the new sources of stress brought on by the pandemic. If there were any pre-existing strains on the relationships, these three COVID byproducts would have served to amplify them.

Is COVID Entirely To Blame?

No. There are often spikes in divorces during economic downturns, even before COVID. In fact, any change in a couple’s economic situation, whether that be for better or for worse can cause trouble with the marriage. While a lack of money is an obvious source of stress, couples can also split due to a lack of agreement about how to spend money. Also, not every couple who has suffered job loss as a result of the pandemic has experienced a relationship strain. Financial experts report that such struggles have actually made some relationships stronger. Half of the American couples polled in the summer of 2020 have reported stronger feelings of commitment and appreciation for their spouse. As a family lawyer told Global News, divorces are “rarely triggered by one specific event that comes out of the blue”. Most of the recent new marriage breakdowns are the result of a culmination of “underlying issues” on top of an already “shaky foundation”. It certainly doesn’t help that access to marriage counseling or couples therapy has been reduced by the pandemic, and it certainly increases the COVID-19 impact on marriage and divorce.

While undergoing lockdown together has given some couples the time to discover that they are fundamentally incompatible, this side-effect of mutual confinement is nothing new. One interesting, pre-pandemic trend was the “grey divorce”. Retired couples with empty nests faced with the reality of spending more time than ever only in the company of their spouse has led to a lot of seniors seeking a divorce. Statistics Canada reported in 2008 that over 16% of divorces occurred with marriages longer than 25 years. Marriages that lasted over 10 years made up 42% of divorces. The pandemic seems to have forced younger couples to live through the conditions experienced by “grey” divorcees.

COVID Challenges To Divorce Procedures

To get a divorce in Canada, you must submit a divorce application to the court. Unless you can prove you were the victim of adultery or cruelty, you will need to be separated from your spouse for at least 1 year before the courts can grant the divorce. Even before the pandemic, court proceedings were slow. Simple divorces where the court doesn’t have to make orders for child and spousal support, custody or property division used to take between 4 to 6 months.

However, in response to the pandemic, civil courts closed their doors and announced they would handle urgent matters only. Many court procedures that took place in person before pandemic, e.g. testimonies, moved online now. The delay in obtaining a court decision was extended. It is estimated that the average case processing time may double or triple as the courts work through the excessive backlog and the rush of new divorce applications since the onset of the pandemic.

How To Settle Cheaper And Faster?

One of the easiest and fastest ways to obtain separation and eventual divorce is to work out a separation agreement between spouses prior to filing for divorce. It is important to settle everything from parenting arrangements, asset, and property division, and child and spousal support beforehand so the application to court will only be for an uncontested divorce. If spouses cannot agree on these matters and they choose to rely on the court to settle things for them, their divorce process will take much longer and will be more costly and stressful.

However, if peaceful discussions don’t work, alternatives family dispute resolution options may be used. These include negotiation, mediation, and arbitration. In negotiation and mediation, spouses can work with family lawyers, financial advisors, health professionals, and other specialized third parties to reach a compromise. Arbitration, which involves hiring a neutral arbitrator to decide the family dispute, is somewhat closer to the court process than the other options, yet less formal.

Family Dispute Resolution options are less expensive, less stressful, and less formal than relying on a judge’s decision. This is because negotiation or mediation is part of the resolution process, whereas when using the court, parties must obey all court orders and follow exactly judge’s instructions.

 

In our  family law practice at BeffaLaw we help our clients negotiate and finalize a separation agreement. We believe that in most cases it is in the interest of all parties to save time, money and get a faster  start of a new chapter in their life.

Get in touch! Beffa Law would be pleased to help. Please contact us at 647-812-8462 or email us at info@beffalaw.ca.

Tags:
COVID-19 divorce separation agreement
Home Inspection - do I need it?Prev
Why do you need an estate plan?Next

Services


Real Estate Wills & Estate Immigration Family Law Business & Corporate Notary Services

Contact Us:


Phone: 647.812.8462 Fax: 647.697.2424 Email: info@beffalaw.ca

Visit Us:


231 Oak Park Blvd Suite 301, 3rd Floor Oakville, ON L6H 7S8
Copyright © 2021 - BEFFA LAW
All the information presented on this site must be regarded as general information and  not legal advice. Every case is different, so please contact us to assess your particular situation. A solicitor-client relationship will be established only after we’ve determined that there is no conflict of interest.
12 Days of Christmas - Official Rules

Beffa Law’s 12 Days of Christmas Giveaway – Official Rules

NO PURCHASE NECESSARY TO ENTER OR WIN

Participation constitutes the entrant’s full and unconditional agreement to and acceptance of these Official Rules. Beffa Law’s 12 Days of Christmas giveaway submission period commences at 7:00 a.m. EST on December 12, 2022, and ends at 11:59 p.m. EST on December 22, 2022, with the final winner announced on December 24, 2022. The contest is sponsored by Beffa Law.

  1. Eligibility: Beffa Law’s 12 Days of Christmas giveaway is open only to legal residents of Ontario who are 18 years of age or older. Entrants must also be Canadian citizens or Permanent Residents who reside in Ontario at the time of entry. Employees, contractors, directors, and officers of Beffa Law and its respective affiliated companies, distributors, licensees, and the advertising, fulfillment, judging, and promotion agencies involved in the development and administration of this promotion and their immediate family members and those living in the same households of each are not eligible to enter the contest.
  2. Promotion Period: The promotion begins at 7:00 a.m. (EST) on December 12, 2022, and ends at 11.59 p.m. EST on December 23, 2022. All submissions must be entered during the official time frame of the promotion to be eligible.
  3. How to Enter: (all entrants acknowledge their information will not be used or sold for other marketing or promotional purposes.)
    During the promotion period, go to the Beffa Law Facebook page and Beffa Law Instagram page and follow the instructions for each of the 12 days. Entrants must like the Beffa Law Facebook page and Instagram pages before December 12, 2022, to get specific daily instructions on how to enter the contest each day.
  4. Daily Entries: MUST LIMIT ONE (1) ONLINE ENTRY PER PERSON, PER DAY. For purposes of this promotion, a day is defined as a 24-hour period beginning at 12:00 a.m. EST and ending at 11:59 p.m. EST.
  5. Prize & Odds: Daily prize will not exceed $250 and will be picked up by the winner after the promotion period ends. No substitution or transfer of prize is permitted except at the Sponsor’s sole and absolute discretion. All taxes, and all other costs associated with acceptance or use of the prizes, are the sole responsibility of the winner. The odds of winning the prize depend on the total number of entries received.
  6. Claiming the Prize: IF CHOSEN AS THE WINNER, please privately message us to receive further instructions on how to claim your prize.
  7. Sponsor reserves the right to remove and invalidate from this promotion posts, comments, or statements of wishes that Sponsor determines in its sole discretion are inappropriate.

General Rules: Beffa Law 12 Days of Christmas Giveaway rules and guidelines:

  1. You must be 18 or older to participate.
  2. All submissions must be entered during the official time frame of the promotion to be eligible.
  3. Sponsor reserves the right to remove and invalidate from this promotion posts, comments, or statements of wishes that Sponsor determines in its sole discretion are inappropriate.
  4. All federal, provincial and municipal laws apply. Winners will be notified through Facebook and Instagram and have 24 hours to redeem their prize. The return of any prize/prize notification as undeliverable or failure to respond to notices or return any documents in a timely manner, as determined by the administrator, may result in disqualification and an alternate winner may be chosen. By participating, participants agree to release, discharge, and hold harmless promotion parties from and against any and all liability or damages associated with this promotion or acceptance, use, or misuse of any prize received in this promotion. Promotion parties are not responsible for any typographical or other error in the printing of the offer or administration of the promotion. Acceptance of the prize constitutes permission for the Sponsor and their agencies to use the winner’s names and likenesses for purposes of advertising and publicity without further compensation unless prohibited by law. By participating in this promotion, participants agree to be bound by the Official Rules and decisions of Beffa Law, which shall be final in all matters relating to the promotion. Promotion parties are not responsible for lost, late, misdirected, stolen, illegible, inaccurate, damaged, incomplete, non-delivered, or postage-due mail; or for printing, distribution, or production errors or technical, hardware, software, or telephone malfunctions of any kind, lost or unavailable network connections, or failed, incorrect, incomplete, inaccurate, garbled or delayed electronic communications caused by the user or by any of the equipment or programming associated with or utilized in this promotion, or by any human, or other error, which may occur in this promotion. If in the administrator’s sole opinion, there is any suspected or actual evidence of tampering with any portion of the promotion, or if technical difficulties compromise the integrity of the promotion, Beffa Law reserves the right to void suspect entries and/or modify and/or suspend and/or terminate the promotion and/or conduct a random drawing to award the prizes in a manner deemed appropriate by the administrator. In the event of a dispute regarding the identity of the person submitting an entry, entries will be declared made by the name appearing on the online entry. Sponsor reserves the right to disqualify any individual who tampers with the promotion or website or acts in a disruptive manner. This promotion is offered only in Canada and is governed by the laws of the province of Ontario, Canada. By entering, entrants irrevocably consent to the sole and exclusive jurisdiction of the courts of the Province of Ontario for any action, suit, or proceeding arising out of or relating to this promotion.
  5. Waiver: By participating in this promotion, participant waives all rights to claim punitive, incidental, and consequential damages, lawyer’s fees, or any damages other than actual out-of-pocket costs incurred to participate. The Prize winners waive all rights and indemnify the Sponsor against any loss or liability resulting from the Grand Prize.
  6. Winners’ names will be posted on Beffa Law’s Facebook and Instagram Pages.
  7. Sponsor: Beffa Law Professional Corporation, 301-231 Oak Park Blvd., Oakville, Ontario, L6H 7S8, Canada.
  8. Facebook and Instagram are not sponsors of Beffa Law 12 days of Christmas Giveaway and any entrants agree to release both Facebook and Instagram from all liability related to the contest.
  9. Beffa Law reserves the right to modify, change, or cancel this promotion at any time, without notice.
  10. Disputes: Each entrant agrees that: (i) any and all disputes, claims, and causes of action arising out of or connected with Beffa Law’s 12 Days of Christmas, or any prizes awarded shall be resolved individually, without resort to any form of class action, and exclusively by the courts of the province of Ontario; (ii) any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering the contest, or statutory damages, but in no event lawyers’ fees. All issues and questions concerning the construction, validity, interpretation, and enforceability of the Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the promotion, shall be governed by, and construed in accordance with, the laws of the province of Ontario, without giving effect to any choice of law or conflict of law rules which would cause the application of the laws of any jurisdiction other than the Province of Ontario.

 

REFINANCE
  • Review mortgage instructions for refinancing.
  • Conduct and review title searches for any defects in the title.
  • Conduct and review writ searches and execution searches.
  • Secure title insurance and all correspondence with the title insurance company.
  • Review mortgage instructions.
  • Draft all mortgage documents
  • Register mortgage documents.
  • Extensive correspondence with the lenders and banks.
  • Receive mortgage funds.
  • Review certificate of insurance.
  • Meet with client to explain and sign all legal documents
  • Close the refinance transaction and securely transfer the funds
  • Register mortgage on title
  • Open the refinance file and access to client portal
  • Report to client, lender & realtor about closing
  • One in person appointment or remote signing on zoom
  • After office hours appointment.

CLOSING COSTS &  NOT INCLUDED IN FEES;

  • Title Insurance (as per Invoice)
  • Registration Costs/ per Mortgage;
  • Software Charges;
  • Flat disbursements cost, title searches, writ searches, execution searches, bank charges, courier charges etc.

CALCULATE YOUR COSTS

OCCUPANCY
  • Acting for you in matters relating to your purchase of the property
  • Review the Agreement of Purchase and Sale
  • Conduct and review title searches for any defects in the title Submit requisitions on the title and review the responses
  • Search for arrears of taxes and obtaining a certificate
  • Confirm that utilities were in satisfactory standing and arranging for meters be read
  • Search for executions
  • Examine the draft deed
  • Review the statement of adjustments
  • Reviewing the documentation provided by the builder including warranties, declarations and vendor’s and purchaser’s undertakings, and verifying enrolment with Tarion Warranty Corporation
  • Draft documents and statements in accordance with Land Transfer Tax Act
  • Correspondence with the Condominium Corporation and obtain a Status Certificate and Certificate of Insurance and review the same
  • Meet with client to explain and sign all legal documents
  • One in person appointment or remote signing on zoom
  • Close the transaction and securely transfer funds
  • Register transfer

OTHER CLOSING COSTS

  • Software charges ;
  • Disbursements includes one title search

CALCULATE YOUR COSTS

TITLE TRANSFER
  • Complete the required documents and gather the supporting documents
  • Obtain appropriate legal advice for the tax and other implications of the title transfer
  • Review the forms for completeness and accuracy
  • Perform title searches
  • Obtain title insurance
  • Update the contents and fire insurance policy
  • Update ownership records in the utility bills
  • Advise current mortgage lender of the title changes
  • Get the title change documents registered and report them to the clients
  • Send information to the city’s tax department and condo property management of changes in ownership

CLOSING COSTS NOT INCLUDED IN FEES

  • Software charges
  • Flat disbursements cost – includes one title search
  • Registration Fee

CALCULATE YOUR COSTS

SALE
  • Review mortgage instructions for refinancing.
  • Conduct and review title searches for any defects in the title.
  • Conduct and review writ searches and execution searches.
  • Secure title insurance and all correspondence with the title insurance company.
  • Review mortgage instructions.
  • Draft all mortgage documents
  • Register mortgage documents.
  • Extensive correspondence with the lenders and banks.
  • Receive mortgage funds.
  • Review certificate of insurance.
  • Meet with client to explain and sign all legal documents
  • Close the refinance transaction and securely transfer the funds
  • Register mortgage on title
  • Open the refinance file and access to client portal
  • Report to client, lender & realtor about closing
  • One in person appointment or remote signing on zoom
  • After office hours appointment.

OTHER CLOSING COSTS 

  • Title Insurance (as per Invoice)
  • Registration Costs/ per Mortgage
  • One Mortgage payout with a Tier 1 bank
  • Software & office disbursements
  • Flat disbursements cost includes one title search

CALCULATE YOUR COSTS

PURCHASE
  • Review the Agreement of Purchase and Sale.
  • Conduct and review title searches for any defects in the title.
  • Submit requisitions on the title and review the responses.
  • Conduct and review writ and execution searches.
  • Secure title insurance and all correspondence with the title insurance company.
  • Examine draft transfer deeds and draft closing documents.
  • Review the statement of adjustments.
  • Draft documents and statements in accordance with Land Transfer Tax Act.
  • Draft documents to apply for first-time home buyer rebate for the client.
  • Correspondence with the lender and banks.
  • Review the certificate of insurance.
  • Meet with client to explain and sign all legal documents
  • Close the purchase transaction and securely transfer funds
  • Register transfer
  • Report to client, lender & realtor about closing
  • One in person appointment or remote signing on zoom
  • After office hours appointment

OTHER CLOSING COSTS

  • Land Transfer Tax
  • Title Insurance (as per invoice)
  • One Mortgage with a Canadian Tier 1 bank
  • Government Registration fees
  • Teranet and search fees;
  • Software fee and other office disbursements

CALCULATE YOUR COSTS

Contact Us
Loading
Check all that applies
Loading