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Are you going through a divorce and have credit card debt?

There is never a good time to find yourself buried in credit card debt and searching for a way out. This is definitely the case during divorce, as you'll need to deal with this debt just the same as you do your assets.

While there is more than one way to deal with credit card debt in divorce, some people continue to overlook just how important it is to tackle this challenge at the appropriate time. Here are a handful of tips to keep in mind:

  • See if there is a way to pay off any joint credit card debt before leaving your marriage
  • Consider transferring the debt to separate cards in each individual's name
  • Cancel all joint credit cards to ensure that they aren't used by either party moving forward
  • Make it clear as to who is to pay off which debt
  • Keep records of all your charges, such as receipts showing what you purchased
  • Consider all options for paying off credit card debt, such as a home equity line of credit or money from a joint bank account
  • Learn more about bankruptcy as to better understand if this is an option

Just because you are going through divorce doesn't mean your credit card debt will be wiped clean by the court. You are still responsible for paying this, so you need to implement a plan of action from the start.

As you learn more about the divorce process, including how to deal with both assets and debts, you'll gain a clear understanding as to what will happen to your credit card debt.

Source:, "Dividing credit card debt in divorce," Amy E. Buttell, accessed Feb. 23, 2018

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