Cohabitation Do's and Don'ts
Even though a couple may not decide to get married, living together without a legal union may still have its own hardships. It's important to keep in mind the following do's and don'ts before becoming cohabitants with your significant other.
DO consider entering into a cohabitation agreement before moving in together. It can set the ground rules for the financial and other arrangements in the relationship, and may prevent a lot of headaches if the relationship doesn't last.
DO hold title to any major purchases in the name of the person or persons who is/are actually paying for it. If you buy a car with your own down payment and make all the monthly payments yourself, the car should be in your name only. Joint purchases, however, should be in the names of both parties.
DO keep finances separate if you want to avoid heated disputes in the event the relationship terminates.
DO keep accurate records of your financial contributions to any property held by your partner.
DO write "gift" or "loan" on checks written to your partner if you want to negate any possible suggestion that you have been supporting him or her, which is an issue that can arise in a post-break-up "palimony" lawsuit.
DO remember that a never-married parent has the same child support obligations as a once-married parent.
DON'T commingle your money by opening joint accounts, incurring joint debts, or making joint purchases if you want to avoid legal complications and the possibility of a "palimony" suit for support of your partner after a split.
DON'T allow your partner to hold title to major purchases in his or her name alone if you are both paying for that property, even if he or she orally agrees that the house or car belongs to both of you. The deed or title is more convincing evidence than one partner's allegation of a spoken promise.
DON'T co-sign or guarantee debts that are incurred by your partner unless you intend to be equally responsible for paying them back, even if you should split up.
DON'T become so financially dependent on your partner that you limit your ability to support yourself in the future. Whereas divorced spouses may have the legal obligation to support each other, especially if one gave up a career to take care of the home and children, the same is not true of former cohabitants. Either keep up your skills and contacts in the job market, or consider a written agreement setting forth your partner's legal obligation to help support you if the relationship ends.
DON'T hold yourselves out to the public as husband and wife, allow yourselves to be known as or referred to as "Mr. and Mrs. So-and-so," or use the same last name, even casually, if you want to avoid the legal complications of a "palimony" suit or the potential for common-law-marriage status should the relationship end.
For more information on how to protect your rights as a cohabitant, see Findlaw's Cohabitation Agreements page.