How all you Mrs. Spitzers out there can better prepare before filing for divorce

"I am deeply sorry that I did not live up to my expectations", a seemingly regretful Eliot Spitzer said as he resigned the office of Governor of New York. As with any man caught with his pants down there is always remorse, deep regret and the inevitable begging for forgiveness.

Whether your spouse spent thousands on a high-priced call-girl (or call boy), or had your simple run-of-the-mill affair, he broke his vow of marriage to you, so you'll want a divorce, now! Right?

Not so fast.

Regardless of how horrible his actions were, if you overreact, he may lash out in kind. That sad puppy can change instantly into an attack dog. He's hoping for forgiveness, so he's likely to act out if he feels he's being punished or chastised. Despite his feelings of guilt, your demanding a divorce may force him to deceive you, withhold money and important financial information, make threats or refuse to negotiate. He's desperate and will do anything to regain control.

I'm not suggesting you embrace your man with hugs and kisses. Rather, I suggest you remain aloof...appear to need time to heal. Then, once you are sure that divorce is the right path to take, remember the Girl Scout credo: "Always be prepared". In short, make a PLAN. Then keep it to yourself.

Here are 6 tips to get you started:

1. Not all illicit behavior ends up on the 10 o'clock news. It's important you document any events that will strengthen your case.

2. Gather all financial documents containing your name. Record the names of the financial institution, account numbers and contact information. Include stocks, insurance policies, pensions and retirement accounts. Be especially sure to locate life insurance policies, they may affect child support and alimony

3. Change any passwords that your husband has knowledge of or access to. Not only can this protect assets, it will prevent vindictive behavior on the part of your spouse - such as theft.

4. Hide yours and your children's passport.

5. Make a list of which items were gifts and which items were purchased with your own money before the marriage.

6. With your digital camera, create a visual catalog of all your physical possessions including furniture, furnishings, art, collectibles, rugs, electronic and computer equipment, china, cars, and so on. Itemize everything on a spread sheet as well. Organize the original receipts if you have them. Save the images on a flash drive that you can carry with you.

When you begin divorce proceedings, being organized is crucial. The more prepared you are, the more likely the process will go smoother. Your preparation will also show your spouse (and his atto
eys) that you mean business and can't be pushed around.