Breaking Up When You Live Together
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Breaking Up When You Live Together

Rachel Bell
 posted on 

You meet a great person. You fall deeply in love. You decide to move in together. Your parents are like, “It’s too soon.” You ignore them. What do they know? They’re old. The power of love is stronger than any other force on earth, right?

Wrong. Love is not stronger than a legally binding contract. A residential lease is a legally binding contract. If you sign a lease with a romantic partner and your love nest falls apart, you can get severely screwed over.

We don’t mean to discourage you from moving in with someone you’re dating. It’s a new age, people live together before getting married all the time! Housing costs are expensive, and you already sleep over at their place every night anyway! But we want you to be prepared for the possibility that what smells like roses may eventually turn to dog poop. I moved in with my boyfriend when I was nineteen. He cheated on me. Six years later I realized I had a utility bill in collections that he had just never paid because he knew the bill was in my name. Learn from my mistakes. Don’t let your youthful ignorance permanently alter your credit score. Also, Chris, if you’re reading this, you’re ugly.

We’ll walk you through how to protect yourself when moving in with your partner and how to handle it if you do break up. Breakups are hard enough on their own. When you add trying to move all your earthly belongings and navigate landlord-tenant law and confusing lease language, it can be overwhelming.

Before you move in

Reality check: You may not be in a relationship with this person for the rest of your life. Sorry. In case that turns out to be true, prepare yourself for it on the front end.

Understand the lease before you sign it

Make sure you are aware of everything you’re agreeing to when you sign your lease. Read up on the most common lease terms and their definitions. Never be afraid to ask questions before signing your lease. During a lease signing, you can make changes to the terms of the lease by crossing them out and initialing next to them, then having your landlord initial as well. Sometimes leases contain totally illegal clauses - look out for those, too.

It’s also a good idea to be aware of your state’s subletting law. If your state allows subletting but it depends on whether or not your lease forbids it, ask your landlord to include a clause allowing subletting before you sign the lease.

Decide who’s on the lease and who isn’t.

Keep them off the lease if possible. Here’s why:

If you’re the only one on the lease, you’ve got the most power. In most cases, you will have to meet the landlord’s income requirements on your own to make this happen. Most apartments have approval processes that require you to make a certain amount of money every month or have a certain credit score. If you meet all these requirements on your own and your partner is fine with it, you can have the lease totally in your name. It may seem sneaky or ominous to plan for the possibility of disaster when you’re happily moving in with someone you love, but if they end up being a trashcan, having the lease completely in your name will be a huge help.

On the other hand, having both your names on the lease is very risky. If your name is on the lease then you’ll end up responsible for your ex-lover’s financial situation. Here’s a term to be familiar with: joint and several liability. This means that every person on the lease is responsible for every obligation in the lease. So if you and your ex are both on the lease and you move out, you’re still bound by the lease. If you have an especially evil and vindictive ex, they can simply stop paying rent, and the action for eviction will be taken against you both in court. Also, if you move out without legally removing yourself on the lease (a process we’ll walk you through below), your ex has the right to get your portion of the security deposit when it’s returned at the end of the lease term.

When the break up happens

We asked our Instagram followers if they had ever broken up with someone they lived with, and if so, how they handled it. The most common answer was ‘Alcohol,’ which, okay, that may help you feel better in the moment, but isn’t going to fix the problem.

Decide what to do

Do you want to try and stay in the apartment? Do you want to move out? Warning: this step may require you to talk to your ex. Once you decide, you can take your next steps.

Consider a sublet

Find out what your state’s laws are in regards to subletting, all of which are available on our site in plain English, rather than confusing legal jargon. Just choose your state from the drop down menu at the top. You’re welcome.

Subletting is a super under-utilized tool that is perfectly designed to make sudden life changes (like a breakup) easier to deal with. You can both ditch the apartment. If you prefer, you can either leave and let the subletter replace you, or move them in to replace your ex.

Break your lease

One of our Instagram followers told us she had to pay two month’s rent to get out of her lease after breaking up with her partner. A lot of leases will include lease break fees. There are ways to get around those, and we’ve listed them all for you here.

The better your relationship with your landlord is, the easier this will be. That’s why you should try as hard as you can to NOT do common things that tenants do to piss off their landlords. Going out of your way to suck up to your landlord will save you if you need their cooperation down the road.

Transfer your lease to someone else

You may be able to assign the lease to someone else. This is different than a sublet, because your lease agreement with your landlord will end and the new tenant will sign a new lease with them. It requires some work, but you can still use Flip to list your room or apartment, find the replacement tenant and verify their background and qualifications.

Just run away from your apartment

Please don’t do this. We do not recommend this, for a whole list of reasons. This is legally referred to as ‘abandonment,’ and while it may be tempting when you’re drinking your sadness away post-heartbreak, it will have long term negative effects on your life. And you could end up in court.

As always, we’re here to help. Don’t slide into our DMs asking for relationship counseling, but if you need guidance with how to navigate anything apartment related, we got you.

Learn about automatic payments

Visit our Knowledge Base to learn more about how automatic payments can simplify your subletting experience and how you can set up automatic payments for your sublet.