SCAO CC 320 Form Instructions: Michigan Divorce Financial Disclosure

The SCAO CC 320 — officially the "Verified Financial Information Form" — is Michigan's mandatory financial disclosure document in divorce cases. Under Michigan Court Rule MCR 3.206, both parties must exchange completed CC 320 forms within 28 days of the defendant filing their initial response.

This is not optional. Failure to comply can result in court-ordered sanctions, attorney fee penalties, or the court drawing adverse inferences about your finances.

What the CC 320 Requires

The form demands a comprehensive snapshot of your financial life. You must disclose:

• Income: All sources — employment, self-employment, rental income, dividends, interest, government benefits, pension payments, and any other recurring income
• Monthly expenses: Housing, utilities, food, transportation, insurance, child care, medical costs, debt payments, and discretionary spending
• Assets: Real estate, vehicles, bank accounts, investment accounts, retirement accounts, business interests, personal property of significant value
• Debts: Mortgages, car loans, credit cards, student loans, personal loans, medical bills, tax obligations
• Health insurance: Current coverage, monthly premiums, and whether coverage will continue post-divorce

Every entry must be accurate. The form is signed under oath — meaning false or incomplete information constitutes perjury.

The 28-Day Deadline

The clock starts when the defendant files their answer or responsive pleading. From that date, both parties have 28 days to exchange completed CC 320 forms. This is one of the tightest deadlines in Michigan divorce procedure.

If you are the plaintiff (the spouse who filed), start gathering documents immediately after filing — don't wait for the defendant's response.

Step-by-Step: How to Fill Out the CC 320

Step 1: Gather documentation first. Do not fill out the form from memory. You need:

• Last 3 months of pay stubs
• Most recent tax return (all schedules)
• Bank statements (all accounts, last 3 months)
• Investment and retirement account statements
• Mortgage statement showing current balance
• All credit card statements showing balances
• Car loan payoff amounts
• Insurance declarations pages
• Any business financial statements

Step 2: Report income accurately. Use your gross (before-tax) income, not net. Include overtime, bonuses, and irregular income averaged over the past 12 months. If you're self-employed, report your net business income after legitimate business expenses.

Step 3: List every asset. Don't omit assets because you believe they're "separate property" — the form requires disclosure of all assets. Classification as marital or separate is a legal argument made later, not an excuse to leave items off the disclosure form.

Step 4: Include all debts. List the creditor, total balance owed, monthly minimum payment, and whose name is on the account. Include debts you consider separate — the court needs the full picture.

Step 5: Be precise on monthly expenses. Use actual bank and credit card statements rather than estimates. Overstating expenses to reduce apparent disposable income is discoverable and damages credibility.

Common Mistakes That Cause Problems

Underreporting income: Judges and opposing counsel know how to cross-reference disclosed income with tax returns, bank deposits, and lifestyle. Discrepancies destroy your credibility on every other financial claim.

Forgetting retirement accounts: A 401(k) you haven't checked in years is still an asset. An old pension from a previous employer still has value. Disclose everything.

Omitting joint debts: If your spouse's credit card was used for household groceries, it may be marital debt you're partially responsible for. Disclose all debts you're aware of, even those solely in your spouse's name.

Using outdated values: A real estate estimate from two years ago is not current. Get updated statements for all accounts as of the filing date or within 30 days.

What Happens If You Don't Comply

Under MCR 3.206(D), the court can:

• Order you to comply within a specific timeframe
• Award the other party attorney fees incurred to compel your disclosure
• Draw adverse inferences (assume you're hiding something)
• In extreme cases, enter a default judgment on financial issues

Beyond the CC 320: Supplemental Discovery

The CC 320 is the baseline. In contested cases with complex finances, your spouse's attorney may also serve interrogatories (written questions), requests for production of documents (demanding bank records, business tax returns), and subpoenas directly to financial institutions.

Michigan Court Rule MCR 3.206 permits broad financial discovery. If you have a business interest, expect requests for profit-and-loss statements, accounts receivable, and possibly a formal business valuation.

Organizing Your Disclosure

The Michigan Divorce Financial Split Guide includes a CC 320 document checklist that maps each section of the form to the specific documents you need — so you can gather everything systematically before the 28-day clock starts rather than scrambling to reconstruct financial records under deadline pressure.

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