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Divorce and joint credit card debt: Things to remember

If you decide to divorce, it's only natural to create a property division checklist to ensure that each and every asset is touched on during the process.

However, there's something else you need to think about during this time: debt division.

For example, joint credit card debt often comes into play during a divorce. If you share credit card debt with your soon to be ex-spouse, here are some things to remember:

  • It's best to leave your marriage with no joint credit card debt, so see if there is a way to pay it off before going through with the divorce process
  • Cancel any joint credit cards that don't have a balance
  • Keep detailed records of all the purchases you have made in the recent past
  • If you're currently married, consider the benefits of filing for bankruptcy (if it makes sense and you qualify)

In a perfect world, the only thing you would have to worry about in your divorce is property division. Unfortunately, most people find that they also have to consider their debt, which can range from credit cards to personal loans and much more.

The way you approach joint credit card debt is up to you and the other person, but you need to learn more about your many options. This is the only way to ensure that you take the right steps, all with the hope of avoiding additional stress and complications.

You have both legal and financial rights, so learn more about both as you push forward with the divorce process and begin to negotiate how to deal with credit card debt.

Source:, "Dividing credit card debt in divorce," accessed March 09, 2018

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