How to get a divorce quickly: filing a divorce in a short time

Home / Divorces / How can you quickly divorce your husband or wife?

Decisions such as divorce are made without haste. But spouses may have many reasons for quickly ending their marriage. Perhaps you urgently need to conclude an important deal or travel abroad in the near future. And maybe even enter into a new marriage. What to do in such a situation?

In this article we will consider not only the timing of the divorce procedure, but legal ways to speed up the divorce as much as possible.

Divorce methods

Family law provides two ways to dissolve a marriage:

1. Administrative (through the registry office);
2. Judicial (through the magistrate or district/city court).

Each of these methods can be used in appropriate circumstances, subject to certain conditions.

Divorce through the registry office

Divorce through the civil registry office is the fastest process for terminating a marriage and family relationship.

The divorce period is only 30 days (according to paragraph 3 of Article 19 of the RF IC) .

But divorce through the registry office is not possible in all cases. In order for spouses to divorce through the registry office, the following conditions must be met:

• mutual consent to the divorce process.
• absence of joint adult children.
• no dispute over the division of property.

Divorce procedure through the registry office:

1. Preparation of documents (passports, marriage certificates);
2. Preparation and submission of a joint (or unilateral - in special cases provided for in clause 2 of Article 22 of the RF IC) application of the spouses for divorce to the registry office;

If spouses live in different cities, they can submit two separate applications, but the signatures on them must be notarized.

1. Payment of state duty;
2. A second visit to the civil registry office 1 month after filing the application - to participate in the divorce procedure and obtain a divorce certificate.

Divorce in court

To dissolve a marriage, you must go to court...

• if the husband or wife does not agree to divorce,
• if the family has children under eighteen years of age,
• if a property dispute arises.

Compared to an administrative divorce, the duration of the judicial procedure is much longer (according to Article 154 of the Code of Civil Procedure of the Russian Federation):

• Through the magistrate's court - 2 months (including 1 month for the court decision to enter into legal force)
• Through a district/city court - 3 months (including 1 month for the court decision to enter into legal force).

Judicial divorce procedure:

1. Preparation of a statement of claim for divorce;
2. Preparation of documents:

• passports of spouses;
• marriage certificate;
• birth certificate of children under 18 years of age;
• marriage contract (if concluded);
• marital and/or parental agreements (on consent to divorce, on the division of property, on the maintenance of children and/or a disabled spouse), certified by a notary;
• documents on joint property (inheritance certificates, gift agreements, receipts and purchase receipts), if it must be divided between spouses in divorce proceedings;
• certificates of income, certified by the seal and signature of the manager, if the claim contains demands for the collection of alimony;
• other documents depending on the circumstances

1. Payment of the state fee for filing a claim (600 rubles);
2. 1 month after filing the claim - attending the first and subsequent court hearings;
3. Obtaining a court decision on divorce;
4. Entry of the court decision into legal force (1 month after issuance);
5. Registration of divorce in the registry office and obtaining a divorce certificate.

Nuances

Often, due to various circumstances, spouses want to quickly divorce. In order to dissolve a marriage in a short time, the husband and wife need to take into account the following features of the divorce procedure:

• A husband and wife acquire the status of “former” after receiving a certificate from the registry office confirming the termination of official relations. That is, one court decision is not enough.
• A divorce from a foreigner can be carried out both on the territory of the Russian Federation and abroad. The procedure for quick divorce from a citizen of another state does not differ significantly from the standard process.
• In addition to divorce, the official relationship may be declared invalid. In this case, the spouses are released from obligations to each other. The grounds on which a marriage is declared invalid are defined in Art. 27 of the RF IC (the marriage was forced, the spouses are close relatives, the husband or wife were already in an official relationship).

IMPORTANT
Avoiding delays in the divorce procedure and getting a divorce quickly is possible only if you comply with all provisions of the law. In addition to Section 2 of the RF IC, it is necessary to take into account the positions of the Code of Civil Procedure of the Russian Federation, which define the procedural norms that must be followed when official relations are broken through the courts.

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Ways and terms to quickly divorce your husband

What needs to be done to ensure that a divorce from your husband occurs as soon as possible, and does not drag on for several long months?

By mutual agreement

The main condition for a quick divorce is mutual agreement between husband and wife. The fewer disputes and disagreements, the faster the divorce occurs.

If the husband does not object to his wife’s desire to dissolve the marriage, a divorce can be filed...

1. Through the registry office 1 month in advance.

If a married couple does not have children under 18 years of age together, they can get a divorce through the registry office.

Property disputes between spouses are not an obstacle to administrative divorce, since they can be resolved in court before or after the dissolution of the marriage.

The duration of an administrative divorce can neither be accelerated nor delayed - it is exactly 30 days from the date of filing the application until the registration procedure is carried out at the registry office, the date and place of which the spouses will be duly notified.

Expert opinion

Semyon Frolov

Lawyer. 7 years of experience. Specialization: family, inheritance, housing law.

What is needed for a quick divorce through the registry office? Firstly, prepare and submit a joint application for divorce to the registry office (or MFC), and secondly, be sure to appear at the registry office within 30 days of submitting the application to conduct the divorce procedure. If neither spouse appears at the divorce procedure, the divorce will not take place - the submitted application will be canceled and the paid state fee will not be returned. True, the spouses can submit a new application the very next day, but they will again have to wait 30 days.

1. Through the court in 2-3 months (including the period for the court decision to enter into legal force 1 month).

If a husband and wife have children, they will have to divorce in court, despite mutual agreement to dissolve the marriage.

All kinds of disputes and proceedings regarding the place of residence, maintenance, and upbringing of children are the main reason why the divorce process can drag on for several months. But if there is mutual agreement and a willingness to compromise, it is possible to shorten the divorce process as much as possible to 2 months provided by law.

Expert opinion

Semyon Frolov

Lawyer. 7 years of experience. Specialization: family, inheritance, housing law.

How to speed up a divorce from your husband through court? First of all, you need a well-drafted statement of claim, which will not have to be redone at the direction of the court, as well as a full package of documents, not out of place among which would be a parental agreement on the maintenance and place of residence of the children. And finally, regularly attend court hearings - in order to avoid postponement and delay of the proceedings.

Without husband's consent

Is it possible to get a divorce if the husband does not agree?

Yes. Contrary to popular belief, the reluctance of one of the spouses to divorce is not a reason for forced preservation of the family. The marriage will be dissolved, regardless of the husband's consent or disagreement.

But if the husband does not agree, the divorce process becomes somewhat more complicated and, unfortunately, lengthened. First of all, because it will no longer be possible to get a divorce through the registry office - you will have to go to court, preparing a competent statement of claim and collecting a package of supporting documents.

The period for divorce through court without the consent of the husband is from 2 to 3 months (according to Article 154 of the Code of Civil Procedure of the Russian Federation).

Often, a husband who does not want to get a divorce deliberately resists the divorce process and delays it.

For example, he asks the court to give him the opportunity to reconcile with his wife. As a rule, the court makes such a concession and assigns the spouses a period of 1-3 months for reconciliation. If the wife does not change her mind, after the expiration of this period the marriage will still be dissolved.

Another way to delay the divorce process is to ignore court notices and refuse to attend court hearings. But the divorce will take place even in the absence of the husband - the court will make a decision on divorce after two forced postponements of court hearings.

Thus, the husband’s disagreement can be the main reason for the delay in the divorce process.

In addition, the duration of the divorce process may be affected by...

• presence of children (the court must resolve controversial issues about place of residence, upbringing, and maintenance of children);
• existence of property disputes.

Expert opinion

Dmitry Nosikov

Lawyer. Specialization: family and housing law.

What to do to shorten the divorce if the husband disagrees? First of all, prepare your claim correctly. Indicate that reconciliation between you is impossible, attach to the claim documents and other evidence of the impossibility of saving the family (characteristics, medical certificates, witness statements). This way you can avoid the court setting a 3-month period for reconciliation.

If possible, agree in advance on all possible controversial issues (about children, about joint property).

Attend all court hearings or file motions to hear the case without the parties present to avoid delays in the divorce process due to failure to appear.

What it is

An official family union refers to the registration of a couple by the civil registry office. People connected by feelings, wanting to become one family, undergo a marriage ceremony and become husband and wife. If for some reason the couple does not see the possibility of coexistence, the union breaks up.

No one has the right to oblige citizens to maintain marital relations; therefore, even if one of the spouses no longer wants to be married, the couple will sooner or later be divorced. Consequently, divorce is a concept that is directly opposite in meaning to marriage.

Ways and terms to quickly divorce your wife

By mutual agreement

The best way to quickly divorce your wife is to reach agreement on all possible controversial issues.

Without disputes and claims, you can divorce your wife...

1. Through the registry office 1 month in advance.

If the husband and wife have not yet had time to have children or the children together are already 18 years old, you can dissolve the marriage through the registry office. To do this, the married couple must prepare and submit a joint application for divorce, attaching documents (passports, marriage certificate) and paying the state fee. After 30 days , if the spouses do not change their minds, the marriage will be dissolved.

It happens that the conditions for an administrative divorce are met, but the wife lives in another city and cannot, together with her husband, draw up and submit an application to the registry office. In such circumstances, it is permissible to file not one joint marital petition, but two separate petitions for divorce. But the signatures of the spouses must be notarized. The husband can submit applications and visit the registry office to carry out the registration procedure himself.

1. Through the court in 2-3 months (including the period for the court decision to enter into legal force 1 month)

If the spouses have minor children (and regardless of whether “children’s” issues are resolved peacefully and voluntarily - about financial support, upbringing, choice of place of residence for children), the divorce period will be approximately 2-3 months.

Expert opinion

Semyon Frolov

Lawyer. 7 years of experience. Specialization: family, inheritance, housing law.

What does it take to speed up a divorce from your wife through the court? First of all, you need to reach an agreement with your wife on all controversial issues related to children: place of residence (with mother or father), payment of maintenance, joint upbringing. Parents may enter into and submit to the court a written children's agreement that includes these and other important provisions. The court must make sure that during the divorce process the interests of the child are not violated, then the divorce will occur quickly, without lengthy proceedings.

If the wife agrees to dissolve the marriage, but lives in another city, this may somewhat complicate the judicial divorce process, but there are still ways to solve the problem.

The claim can be filed at the place of residence of the wife, that is, the defendant, unless the husband exercises the right to file a claim at his own place of residence (due to illness or cohabitation with minor children). However, a husband and wife can ask the court to consider a divorce case without their presence if there are good reasons for this. This will significantly simplify and speed up the process.

All documents (claims, petitions, attachments to the claim, receipts or checks for payment of state fees) can be sent by a valuable letter with an inventory and notification.

Without wife's consent

If the wife does not agree to dissolve the marriage, you need to prepare for legal proceedings. Divorce through the registry office is impossible.

The period for divorce through court without the wife’s consent is from 2 to 3 months (including 1 month for the court decision to enter into legal force).

However, in practice, the divorce process can drag on for 3-6 months, depending on life circumstances such as...

• the presence of children, which forces the court, simultaneously with the divorce, to consider issues of place of residence, upbringing, and maintenance of children;
• existence of property disputes;
• absences from court hearings, both for valid reasons and without valid reasons, due to which the consideration of the case is postponed;
• living in different cities (or even lack of information about the place of residence of the second spouse), which requires sending documents and notifications;
• the second spouse’s persistent desire to save the family, which is why the court may delay the consideration of the case for 1-3 months.

There is no way to get a divorce quickly if the wife is pregnant or gave birth to a child less than 1 year ago, if she is against divorce. The wife's consent to divorce in these circumstances is a mandatory condition that cannot be violated. The court will simply reject a claim filed in violation of this rule of law.

Example

Citizen Tomenko filed for divorce and division of a joint apartment, without indicating in the statement of claim that his wife was pregnant. At the court hearing, Tomenko’s wife presented a medical certificate confirming her pregnancy, declared her disagreement with the divorce, and also asked the court to dismiss her husband’s claim without satisfaction. Plaintiff Tomenko's claims were not satisfied.

Expert opinion

Dmitry Nosikov

Lawyer. Specialization: family and housing law.

What should I do to speed up my divorce from my wife? Lawyers advise resolving all controversial issues before the start of the divorce process, and if this is not possible, strive to reach a compromise during the trial. For example, enter into a written, notarized agreement about children, about the division of joint property.

In addition, the law allows spouses to enter into a settlement agreement directly in court - if it does not contradict the law and violate the rights of the wife, husband, children and other persons, the court will approve it and give legal force to the court decision (Article 153.8 of the Code of Civil Procedure of the Russian Federation).

The Disappearing Waiter

This deception works like clockwork. The first waiter brings you a menu with reasonable prices. You select several dishes and call the waiter. Another cafe employee comes up to you and takes your order; at the end of the conversation, he takes the menu. After a hearty lunch, you ask for the check and see an unpleasant picture. The cost of food has increased dramatically. You start asking for a menu and they bring it to you. But it's different. And the prices there are exactly the same as on your receipt. You try to get the truth and call the first waiter. But he is not in the room. And none of the staff admits to its existence. You lose and have to pay.

How to quickly get a divorce if you have minor children?

Can divorce be quick and painless if there is a child? Yes. It all depends on whether the spouses-parents are ready to seek a compromise in resolving issues relating to the future fate of their joint children.

If there is a minor child in the family, administrative divorce (through the registry office) is impossible. A marriage in which children were born can be dissolved only through a judicial procedure . Thus, the state, represented by the court, monitors the observance of the child’s rights to a safe and comfortable place to live, full financial support, upbringing, and full development.

To speed up the divorce process, you need to indicate in the claim that all disputes regarding children are resolved amicably. Even better, attach a parental agreement to the statement of claim, which will set out all the agreements reached by the parents. It is preferable for parents to discuss and include the following provisions in a written agreement:

• Where and with whom the child will live;
• Who will bear the costs of maintaining the child;
• Who will raise the child and how;
• What will be the regularity and order of meetings between parents and children;
• How the child will maintain relationships with relatives (grandparents, aunts and uncles) on the part of each parent;
• Other.

But even if it is not possible to reach an agreement before the start of the trial, the law allows the parent spouses to reach a truce in the trial and enter into a settlement agreement.

The court will review the submitted agreement and make sure that the rights of the child and parents are not violated. The court will also take into account that parents act in the interests of the children; their mutual desire to speed up the divorce process will also confirm that saving the family is impossible. The court will dissolve the marriage - perhaps even at the first court hearing.

If disputes about children between spouses and parents remain unresolved peacefully, the court will decide on the place of residence and maintenance of the child. All this will naturally affect the duration of the trial:

• conducting a psychological examination (to determine the child’s attachment)
• carrying out genetic testing (to confirm the relationship between parent and child),
• calling witnesses,
• requesting additional documents (for example, about expenses and income of parents),
• involvement of a guardianship and trusteeship authority,
• conducting a survey of living conditions at the place of residence of the father or mother, and other procedures.

In addition, it is possible that the court will set a period for reconciliation of 1 to 3 months - another possible reason for the delay in the divorce process.
According to judicial practice, parents are more inclined to save the marriage.

Intrusive sales of equipment

You go to an electronics store to buy a new phone. And then a street seller catches you by the hand. He asks you what exactly you want to buy. And suddenly it turns out that his shop has exactly the same phone and is even a little cheaper than the official one. You agree to buy from him. And then the following happens. You go to a street vendor's store, hand over your money, hoping to get your phone, but nothing happens. The seller slaps himself on the forehead and says that he forgot to warn. Your phone is only in stock, but here we have almost the same one in stock. Even better! You are ready to wait until they go to the warehouse and bring you the phone you so wanted. But an hour or two passes and you agree to take an analogue. Because no one is going to return your money. Moral: no advance payment at street shops. Give money only after you have received the goods and are convinced that they are in good condition.

Is it possible to get a divorce faster than a month?

An administrative divorce cannot take place earlier than 1 month after the spouses submit an application. This period is provided by law, firstly, for preparation for the divorce procedure, and secondly, for reflection and possible reconciliation between husband and wife.

In case of a judicial divorce, the same period - 1 month - passes from the filing of the statement of claim to the first court hearing. If there are no obstacles to divorce (the husband and wife are present and do not need the court to resolve various family disputes), the marriage can be dissolved at the first court hearing. Otherwise, the divorce procedure continues.

another 1 month passes , during which it is possible to file a complaint and review the case, after which the court decision comes into force.

As practice shows, spouses often reconcile and abandon their plans to divorce. Most often this happens within the first month after applying to the registry office or court, less often during the trial. That is why the law does not allow any exceptions or opportunities to speed up a divorce.

But the opportunity to refuse the submitted application and cancel the divorce is given to spouses right up to the registration procedure itself and the issuance of a divorce certificate. Spouses who change their minds about divorce will be able to reapply at any time - an unlimited number of times. The law does not provide any sanctions for such “indecisiveness” (see “Can a divorce be annulled”).

Introduction

Anyone who travels the world knows that the favorite pastime of some marginal locals is to deceive newly arrived tourists. When arriving in a foreign country, be alert and always attentive. And while preparing for your trip, study the main types of divorces in the country where you are going. Personal experience: how we got scammed in Barcelona

Now we will tell you about how travelers are deceived, and at the end of the article you can watch a video on the topic in which countries tourists get the most!

How to speed up a divorce? Legal advice

We have already mentioned: it will not be possible to get a divorce faster than in a month. The minimum period for divorce (administrative and judicial) is 1 month . In order not to delay the divorce process, spouses must act in concert and promptly comply with the requirements of the law.

To quickly get a divorce through the registry office, you need:

1. Prepare an application for divorce;
2. Collect documents;
3. Pay the state fee on the day of filing the application, having received payment details directly from the civil registry office or from the MFC department.
4. Visit the registry office in 1 month to take part in the divorce procedure.

As for possible disputes about the division of joint property, they are not an obstacle to divorce through the registry office. If a wife and husband want to divorce, they can do it administratively, and divide their property together in court (before or after the divorce).

To speed up a judicial divorce, you need...

1. Competently draw up a statement of claim, avoiding mistakes and inaccuracies that will lead to refusal or return of the claim for amendments.
2. Collect all necessary documents to avoid delaying the trial for several days or weeks due to missing evidence and certificates.
3. Obtain consent to divorce from your husband or wife. This will help avoid the common practice of postponing the trial at the request of the defendant spouse for 1-3 months - for reconciliation with the plaintiff spouse.

If the husband or wife does not agree to a divorce, it is necessary to clearly indicate in the statement of claim that further life together for the spouses and preservation of the family is impossible, and also provide evidence (witness testimony, work references, police reports, medical documents about bodily injuries). The goal is to convince the court that reconciliation is impossible, and living together is extremely undesirable, or even poses a threat to the life and health of the wife and/or children.

1. It is necessary to obtain consent to divorce from your wife if she is pregnant or gave birth to a child less than 1 year ago . Otherwise, the court will refuse to consider the claim.

A wife can divorce without her husband’s consent both during pregnancy and during the first year of the child’s life together. The wife is not subject to the restrictions provided for the husband (according to Article 17 of the RF IC).

1. Come to agreements regarding children : places of residence for children, child support payments. If possible, enter into a written and notarized agreement. This will shorten the trial time and speed up the decision.
2. Attend all court hearings.

How to quickly get a divorce if the husband or wife cannot or does not want to attend court hearings? The law allows for the possibility of divorce without the personal participation of one of the spouses. All that needs to be done is to inform the court that you have received a copy of the claim and documents, and file a petition to consider the case without participation, attaching documents confirming the impossibility of participation in court hearings. If the husband or wife decides to boycott the divorce process and begins to miss court hearings without proper warning, the court may rule on divorce in absentia, without his participation.

1. The dispute over the division of joint property will be considered in another court hearing.

Although the law does not exclude the consideration of several claims at the same time (for example, for divorce and division of property), this delays the divorce. If you can divide the property yourself (by concluding an agreement) or postpone it “for later,” the divorce will take place faster.

1. Beware of scammers and do not resort to the services of intermediaries who promise you a faster divorce: this is illegal!

Expert opinion

Semyon Frolov

Lawyer. 7 years of experience. Specialization: family, inheritance, housing law.

It is better to consult with an experienced family lawyer who will help prepare a claim and documents, and perhaps even represent your interests in court by proxy.
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Author of the article

Irina Garmash

Family law consultant.

Author's rating

Articles written

612

Variable exchange rates

Currency exchange is always a potentially dangerous procedure. All sorts of surprises may await you. Alternatively, you may be given a rate on your check that is different from the rate on the board. And ask for a signature, and then give out less money than you planned. In response to all your indignations, they will show you your signature. Like, I should have read it.

This happened too. Magnets with flags of various countries (USA, European Union, etc.) were attached to the course board. During the currency exchange process, the person was given significantly less money. All of his links to the board data did not work; it turns out that the cost of the magnets was broadcast there. And the real rate is indicated in some unremarkable folder that lies in the corner.

Stealing monkeys

Bali has a beautiful island with temples and wonderful animals. Animals are not simple, but trained. Moreover, trained in a very specific way. It happens like this: when you are visiting a sight, the monkeys will instantly steal expensive jewelry, money, etc. from you. Nobody knows how they are trained. Your items can be returned. To do this, you just need to contact local residents who are nearby and they will quickly take away your things for 5-10 dollars.

Animal food

In places where there is an opportunity to feed some kind of living creature, there are often resourceful people who offer food. So we need to clarify the cost. And do it carefully. How the scam works: you take 3-4 bags of bird food. How much does it cost, you ask? They tell you that there are 50 of something there (depending on the country). But after you use this food, the seller will come up to you and demand that you pay extra. Since only one bag of food cost 50 conventional units. If you begin to resist, his assistants and even local police may get involved.

Less change

The next type of deception is most popular in Turkey. As you know, the coins in Turkey differ little and are almost identical in appearance. Sellers skillfully take advantage of this and give much less change. And if the buyer nevertheless discovers the deception, they apologize and say that they did not see it. Yes, maybe they really didn’t see it, but in most cases, this is not the case. Therefore, my advice to you is to check your change several times.

Sports betting advertising

You can hear about sports betting on pirated sites where you watch movies and cartoons. Every now and then banners appear with offers to place a bet while watching a film. It also happens that the voice acting studio inserts this advertising itself. Everyone already knows about 1xBet, various services and bloggers are not shy about advertising this, considering it the norm.

Bookmakers have a lot of money, but they take it not on credit, but from the losers, of whom there are always a lot. There are also those who have lost a fortune. Sports betting is an old business with its own methods of deception, perfected over decades. The topic is broad and can even go as far as collusion with sports teams: who will lose today and who will win.

This is manipulation of people who place bets. There are also special “suckers” baits, a kind of multi-move game, when one team wins many times in a row so that massive bets begin on it. Then there is a loss, a complete failure and loss of money. Such manipulations are well revealed in the series Peaky Blinders.

We, as the authors of a blog about financial security on the Internet, are against betting. We categorically do not recommend betting on sports if you don’t know anything about it. To make money in this business, you need to know special, careful and careful strategies, which, moreover, are regularly updated. Outsmarting bookmakers is difficult, but not impossible. You can even learn one of these techniques.

There is an extra charge for entry or photography.

This method is often used by scammers near attractions. Let's take this situation: a tourist came to see the world heritage, but suddenly a man appears and demands money from you for a ticket. You may also be asked to pay for the photographs. Don't panic and immediately reach for your wallet. The first step is to make sure that this person is really an employee and not a fraudster. Ask him to show his ID or show him a stand with information about paid services. To protect yourself one hundred percent from such incidents, prepare before going somewhere - read reviews on the Internet and go to the site of the attraction.

Be careful when buying antiques

This is not so much a scam as it is just useful advice. When you're on a long journey, you always want to bring back some kind of curiosity. You can often find sellers in street shops selling various historical souvenirs. These could be coins, decorative elements, and so on. Before bargaining with them and purchasing such things, look on the Internet for information about local laws: will they allow you to take cultural property out of the country? It may happen that you pay a lot of money for a beautiful and old thing, but in reality it will then be taken from you at customs.

Did you steal your camera?

There is another very interesting way of fraud. Many “tourists” travel alone and have no one to photograph them near the attraction. They politely approach another tourist and ask to take their photo. As soon as the tourist begins to take photographs, a police officer with the victim approaches him and accuses him of theft. A protocol is drawn up and the tourist must pay a fine. And the “tourist” who asked to take a photo has long since fled. This method can often be found in Spain.

Telephone scammers

In 2021, a wave of calls from pseudo-bank employees overwhelmed the phones of Russians and CIS citizens. If you leave your phone number on the Internet, there is a 90% chance that it will be used by phone scammers. Numbers are collected from advertisement sites, and it also happens that databases are purchased from SIM card sellers. And the calls begin with an offer to invest your money in “nowhere”.

Fraudsters know your first name, patronymic, last name and address. Fake employees of non-existent banks are trying to extract your bank card information by performing a performance over the phone with several characters.

Divorce scheme No. 1

“Hello, are you Ivan Vasilyevich Ivanov from Saratov, living in Ivanovsky Lane? A loan has been issued for you. I will now connect you with a security officer." Then the music starts and stops, and a man with a well-produced voice asks to verify your bank card details. They ask you to dictate the card number, expiration date and code on the back.

If you are not stupid, then do not give the card details and code from the SMS to the scammer. This data cannot be communicated even to real bank employees - financial organizations inform about this in every SMS newsletter. But many report that the divorce scheme ends with further write-off of funds.

Divorce scheme No. 2

If you turn out to be a tough nut to crack and stubbornly refuse to tell the scammers your card details, threats come into play. They start saying that if you don’t provide your data, we will block your card. You can safely send a telephone scammer to three known letters, but it’s better not to start a conversation with him at all.

And he will say this: “You have a loan on your card, let me help you fix the problem. In your city, dishonest bank employees took out a loan for you. It needs to be cancelled. Go to the nearest Sberbank branch, we will help you withdraw a loan from an ATM. Just do as we tell you and everything will work out.”

A person goes and actually borrows funds through Sberbank online, and then transfers this money to scammers so that they withdraw this loan from him. Most often, this is how pensioners are scammed, who lose their savings and, in addition, end up in a debt trap.

Do not give your card details to anyone, do not apply for loans under pressure for fear of having your card blocked. Real bank employees call extremely rarely and do not ask for confidential information.