协商离婚最常见的失败**不是分得不公，是清单本身不全**——签完协议才发现漏了住房公积金、企业年金、保险的现金价值、未到期理财，或者对方在外面的担保。 把已经想到的列进来，代码按**十二类**比对，把你没碰过的类别直接列出来，每一类附上**要调取哪些凭证**。这份清单真正的价值在于那几项**不在任何一张银行卡上、对方不说你就不会知道**的东西。 关于取证，有几句必须先说：**你能自己查的现在就查**（本人名下的银行流水、公积金、社保与年金、保单现金价值、征信报告、证券账户），因为账户余额每天都在变，**现在查比几个月后补容易得多**。查不到对方名下的，正规途径是在诉讼中申请法院调查取证或调查令——**这也是很多情况下必须走诉讼而不是协议的原因之一**。 **请勿擅自登录对方账号、安装监控软件或私自获取通信记录**：这样取得的材料通常不被采信，而且可能让你自己承担法律责任，反而削弱你的位置。 还有一条特别容易被忽略的：**夫妻之间关于债务的约定，通常不能对抗债权人**——协议里写了「由对方偿还」，债权人仍可能找你。这一条必须让律师看。 **怎么分这里不给意见。** 那取决于财产性质、出资来源、取得时间与法律适用，只有律师能判——**而签字前找律师审一遍协议文本，是整件事里性价比最高的一笔支出**。 $3 解锁十二类逐项的凭证获取路径与话术、协议条款的自查清单、以及财产转移迹象的排查方向。Divorce settlements more often fail because **the list was incomplete than because the split was unfair** — the housing fund, the corporate annuity, a policy's cash value, an unmatured product, or a guarantee given to a third party surfaces after signing. List what you've thought of and the code checks it against **twelve categories**, naming the ones you haven't touched and what documents each requires. The value is in the items that **sit on no bank card and that you won't learn about unless the other person mentions them**. On evidence, several things first: **gather what you can access now** — your own bank statements, housing fund, social insurance and annuity, policy cash values, credit report, securities accounts — because balances move daily and **retrieving today is far easier than reconstructing months later**. What you cannot access about the other party is properly obtained through court-ordered discovery in proceedings — **which is itself one reason some cases must be litigated rather than agreed**. **Do not log into their accounts, install monitoring software, or obtain their communications privately**: such material is typically inadmissible and can create liability for you, weakening your position. One routinely missed point: **an agreement between spouses about debts generally cannot bind a creditor** — writing that the other party will repay does not stop a creditor coming to you. Have a lawyer review that clause. **No opinion is given here on how to divide anything.** That depends on characterisation, source of funds, timing and applicable law — only a lawyer can assess it, and **having one review the agreement before signing is the highest-value expenditure in this entire process**. $3 unlocks retrieval routes and scripts for all twelve categories, a clause-by-clause review checklist, and where to look for signs of asset movement.
十二类逐项的凭证获取路径（哪些能自己查、去哪查、怎么问）、协议条款的逐条自查清单（房产过户、债务、履行期限、兜底条款）、财产转移迹象的排查方向，以及一份可打印的清单表。Retrieval routes for all twelve categories, a clause-by-clause checklist for the agreement (transfer of property, debts, deadlines, catch-all provisions), where to look for signs of asset movement, and a printable worksheet.
**本工具不提供法律意见，不判断任何财产的性质或归属，也不给出任何分割比例的建议。** 财产是否属于共同财产、如何分割、债务是否为共同债务，取决于取得时间、出资来源、书面约定与法律适用，**必须由律师结合具体事实判断**。本工具仅按关键词对你填写的内容做分类与缺口提示，会归错也会漏。**请勿以非法方式获取对方的账户、通信或其他信息**——这类材料通常不被采信，且可能使你承担法律责任。涉及未成年子女的安排以子女利益为准，部分内容即使约定也可能被调整。**签署任何协议前请由律师审阅文本。** 若存在人身安全风险，请优先联系当地公安机关或反家暴求助渠道。你填写的内容不入库。**This is not legal advice, characterises no asset, and recommends no division.** Whether property is marital, how it should be divided, and whether a debt is joint depend on timing, source of funds, written agreements and applicable law, and **must be assessed by a lawyer on the specific facts**. This tool only classifies what you type and flags gaps; it mis-sorts and misses. **Do not obtain the other party's accounts, communications or other information unlawfully** — such material is typically inadmissible and can create liability for you. Arrangements concerning minor children are governed by the children's interests and may be revisited regardless of agreement. **Have a lawyer review any agreement before signing.** If there is any risk to personal safety, contact the police or domestic violence support services first. Nothing you enter is stored.