[header] How to write a property settlement agreement [title] Decide what you want. [step] Before talking with your spouse, you need to be clear in your own mind about what property you want and what debts you are willing to take on alone. [substeps] You might want to meet with a lawyer for a consultation. 
In the absence of an agreement, your state law will determine who gets what. Accordingly, you should understand the " default " rules before going into negotiations.