[header] How to reach a divorce settlement outside of court [title] Schedule some time to talk. [step] One way to come to a settlement agreement is to meet with your spouse and see if you can work out an agreement on your own. This may be difficult. 
In fact, your marriage may have broken down precisely because you had difficulty communicating with each other. However, you can save considerable sums of money if you can reach a voluntary agreement on your own.