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If you sign a court order stating that you will give her $11,000 and then you do not, you could be held in contempt of court. Being found in contempt of court could mean that you pay a fine, or spend some time in jail. If you cannot afford to pay her $11,000 then you should not agree to do so in a legally binding document.
You could suggest that you pay it to her in installments, or if you ever sell a piece of property, etc. But if she's wanting you to pay her $11,000 in one lump sum and you know already that you cannot, then do not agree to do so, especially in something as important as a court record that can later be used against you.
If you sign a document that is an agreement between the two of you, she can take you to court to enforce the agreement and force you to pay. This means she could get a judgment against you, which could mean a lien being placed on any property you own, any income tax return you receive, or garnish your paychecks.
Bot***** *****ne: whether the document is filed in court and signed by a Judge or not, if you are signing your name to something, that gives her a legal ground to take you to court to enforce the agreement. Do not sign something you know you cannot follow through on.
Not necessarily. You may need to go before a Judge if you don't agree to everything in the separation agreement. Of if you proceed to a divorce.
Also, if the separation agreement isn't signed by a Judge, she may be able to change her mind down the road and ask for more money or property.