When substance abuse plays a role in a divorce, the challenges often extend far beyond parenting plans. Addiction can touch every part of life. It can drain bank accounts, damage credit, and create instability that makes it harder to rebuild after the marriage ends.
If you are navigating divorce in Colorado where substance abuse is a factor, understanding the financial risks—and how to protect yourself—can make all the difference.
The Financial Impact of Addiction in Divorce
Addiction has a direct impact on financial stability. According to the National Institute on Drug Abuse, drug and alcohol misuse costs the U.S. more than $442 billion each year in healthcare expenses, lost productivity, and crime-related costs. On a family level, this can mean:
- Job loss or reduced income.
- Hidden spending or large unexplained withdrawals.
- Medical bills related to substance use.
- Legal fees from arrests, DUIs, or other charges.
- Debt in both partners’ names
When you are still legally married, you may be held financially responsible for your spouse’s debts or damages, even if you did not agree to them.
How to Protect Your Assets and Credit
Every situation is unique, but these steps can help you safeguard your future:
- Keep accurate financial records – Track account balances, statements, and receipts.
- Separate finances where appropriate – If advised, open your own account and redirect your paycheck.
- Document unusual activity – Save proof of large withdrawals, sudden debts, or erratic spending.
- Include financial boundaries in your divorce agreements – For example, requiring joint approval for large withdrawals or setting clear terms for debt responsibility.
- Plan for temporary asset management – Decide in writing how shared property and accounts will be handled until they are divided.
These measures are not about punishment. They are safeguards that allow you to move forward without unnecessary financial setbacks.
Balancing Protection with Fairness
In Colorado divorce mediation the goal is to protect your future while keeping the process as fair and low-conflict as possible. Setting financial boundaries does not have to mean escalating disputes. With the right approach, both parties can agree on practical steps that keep the divorce moving forward without unnecessary court involvement.
If parenting is also part of the conversation, you may want to read my post on parenting plans and substance abuse for strategies that keep children safe while preserving parent-child relationships.
Getting Support
Divorce involving substance abuse is emotionally draining. Having the right resources in place can make the process smoother for everyone involved.
Helpful resources:
- SAMHSA’s National Helpline – 1-800-662-4357 (free, confidential, 24/7)
- Colorado Crisis Services – 1-844-493-8255 or text TALK to 38255
- SMART Recovery – Tools and meetings for those in recovery
- Al-Anon Family Groups – Support for family and friends of alcoholics
Ready to make a plan?
If you are ready to take steps to protect your finances, your credit, and your future while avoiding unnecessary court battles, I can help you create agreements that are both fair and protective.
Learn more about my amicable divorce process or schedule your consultation today.