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3 easy ways to eliminate credit card debt before your divorce

You have decided to divorce and realize that you have plenty of joint credit card debt to work through. While this can add a challenge to the process, it shouldn't stop you in your tracks.

Here are three easy ways to eliminate credit card debt before your divorce:

  • Pay it off together: If you're both on the same page in regards to eliminating your credit card debt, take money from savings to take care of it once and for all.
  • Separate it: If you don't have the money or desire to pay off the debt all at once, use balance transfer credit cards to your advantage. This allows you to move half the debt into a credit card that is in your name only. Your spouse can then do the same.
  • File for bankruptcy: It's a big decision because bankruptcy impacts more than just your credit card debt. However, if you qualify, you can eliminate your credit card debt along with many other liabilities that may be dragging you down. Just make sure you understand the overall impact on your finances.

Once you have a plan in mind, you can push forward in the manner that makes the most sense for both individuals.

If for any reason you're unable to figure this out on your own, you can wait until mediation to work through your problems.

Don't pay so much attention to your assets, such as who gets the family home, that you forget about your debts, including credit cards and personal loans among many other types. Knowing what you're up against will prepare you for a better future.

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