The divorce is done. The 401(k) split isn't. Finish it tonight for $299.
A QDRO is the court order that actually divides the retirement account your decree awarded. Until it's filed, nothing is divided. Upload your decree, or answer six quick questions. Your free Decree Check shows exactly where you stand. Plain English. Two minutes.
Show me where I standFree. No card. No account. Works at 11pm on a Tuesday.
- $299 once. No hourly billing.
- Approved by your plan, or we revise it free.
- Your document tonight, not in 3 business days.
What happens in the 2 minutes
Upload your decree, or answer six quick questions if it's not handy. We read what your judge actually signed. Two minutes later you get your report: what your decree awarded, what your plan requires, and your exact next step. Free, no card, no account.
- 1Upload or answer
- 2We read your decree and your plan's rules
- 3Your report, in plain English
What a QDRO is
A QDRO is a court order that tells the retirement plan to move money. Your divorce decree awarded you a share, but plans can't act on decrees. They can only act on a QDRO. Until one is filed and approved, the account stays exactly where it was, in one name. That's the whole reason this page exists.
What "unfiled" actually means
Until your QDRO is approved, three things are true.
Depending on the plan's rules, your ex may be able to borrow against the account or withdraw from it.
If your ex dies first, your share may be lost, depending on the plan.
Time itself works against you: records fade, plans merge, and cooperation gets harder.
None of this requires bad intent. It's just what unfiled means.
If this has been sitting for years, that's common. The QDRO is one of the most delayed steps in any divorce, and it's still fixable.
What this costs, compared
| Feature | Divorce attorney | Document services | QDROReady |
|---|---|---|---|
| Price | $1,200–1,800 | $399 | $299, flat |
| Speed | Weeks to months | 3 business days | Tonight |
| Hours | Their office hours | Business hours | 24/7, including 11pm |
| If the plan wants changes | More billed hours | Varies | Revised free until approved |
| Before you pay | Consultation | Payment first | Free Decree Check first |
What's the catch?
We're not a law firm, and we don't give legal advice. You file the order yourself, with step-by-step instructions we write for your situation. Some cases genuinely need a lawyer: pensions, government plans, contested terms. If yours is one of them, your free report says so, and we point you to the right kind of help instead of selling you the wrong thing. That's the catch. There isn't one hiding anywhere else.
The guarantee
Your plan reviews every QDRO and makes the final call. That's true no matter who drafts it, including a $1,800 lawyer. Our promise: if your plan asks for any change, we revise your order free until they approve it. Forward us their letter and we handle it. No hourly billing, no fight. And if your plan won't approve it even after revisions, full refund.
Questions people ask
Is this legal advice?
No. We prepare documents. We're not a law firm. We prepare your order to your plan's published rules and give you filing steps. For advice about your rights, talk to a licensed attorney in your state.
What if my plan rejects the order?
Forward us their letter and we revise it free until they approve it. That's the guarantee. Plans reject orders for fixable, technical reasons, and fixing them is our job, not yours.
My decree is scanned, or I can't find it.
Scanned copies work fine. We read the actual pages, even photographed ones. No decree at all? Answer six quick questions instead and upload it later if it turns up. We'll update your report free.
How is this $299 when lawyers charge $1,200 or more?
Lawyers bill hours, and most treat QDROs as side work. We do one thing, with software that reads your decree and your plan's published rules. One flat fee, no hours to bill. Your plan may charge its own processing fee. Nobody can waive that part, and we show it to you before you pay.
What about pensions, military, or government plans?
Those follow different rules and need a different kind of order. Honestly, they deserve a specialist. Our free check tells you which kind of plan you have. If yours needs an attorney, we say so, and we point you there instead of selling you the wrong document.
Two minutes from now you'll know exactly where you stand.
Show me where I stand