The court is not bound by any agreements regarding marital property, though they tend to rubberstamp agreements made by the party, particularly if one person assumes responsibility for the loan for the secured property.
The best way to ensure the court will adopt the agreement is to submit a stipulation to the court, and have the court sign it, thereby making it a court order. Otherwise one takes the risk, albeit small, that the judge will not be in agreement with the property division agreement. But typically, the judge will rubberstamp any agreements that are in writing. If the parties are in agreement on all issues, they can submit a marital settlement agreement and request that the judge incorporate that into the final decree so it has the full effect of the law.
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Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.