Posted on Feb 17, 2015
Bankruptcy and Credit Repair in the Post Divorce World.
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Sometimes, getting lawyers involved in some of your financial problems (trying to save you money) it could have been better to just pay the piper up front. Does anyone have any survival and success stories of post-divorce credit repair?
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Bankruptcy
Bankruptcy
Posted 10 y ago
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When I got divorced (prior to the military), I lost EVERYTHING...house, child, job, credit score and money. I am still paying my ex off to this day. I wish I had an easy fix for you, but it really just takes a lot of time. I declared bankruptcy as well, and that haunts you for many years. I haven't been able to save for my retirement, as my family and I have been living paycheck to paycheck until recently. Anyway, if I were to offer any advice, it would be to stay positive and don't spend your years angry. I stewed about being broke and all that my ex did to me for years. It didn't change anything except me. Just stay positive and keep going, things WILL get better.
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PV2 (Join to see)
@SPC (P) Jay Heenan I love this image. I've seen it before and always remember this mantra! lol
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The best advice I have to offer is don't be reasonable. Protect your own interests and let the other party protect theirs. If you try to be reasonable you find yourself outnumbered: You and your soon to be "X" versus you.
Document everything. My "X" wanted to keep the Mastercard so I went to the bank paid it off and had the bank manager write a letter certifying that the account was paid in full and that I was no longer liable for it. Later when the bank contacted me to pay off the debts my "X" incurred subsequent to our split, but prior to our formal divorce, I armored myself with their own letter. It worked like a charm.
Give yourself time to mourn. A divorce is almost identical to a death. You will go through the same stages of grieving as if your spouse had died (except that they are still there to haunt you). The grieving process will last two months for each year of marriage. (I know you're doubting this, but I've experienced it and witnessed it in many deaths and divorces suffered by others.)
Good luck and remember that there are others who have survived it. So will you...
Document everything. My "X" wanted to keep the Mastercard so I went to the bank paid it off and had the bank manager write a letter certifying that the account was paid in full and that I was no longer liable for it. Later when the bank contacted me to pay off the debts my "X" incurred subsequent to our split, but prior to our formal divorce, I armored myself with their own letter. It worked like a charm.
Give yourself time to mourn. A divorce is almost identical to a death. You will go through the same stages of grieving as if your spouse had died (except that they are still there to haunt you). The grieving process will last two months for each year of marriage. (I know you're doubting this, but I've experienced it and witnessed it in many deaths and divorces suffered by others.)
Good luck and remember that there are others who have survived it. So will you...
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Honestly, with me and my EX I did not want the headache and took on all of both of our debts. It did suck paying it all off. I like to think we ended on a good note when we agreed to everything. I suggest looking into Dave Ramsey Debt Snowball.
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I use the Deb snowball approach. It is helping me. Two years ago my credit was barely in the 500s, now it's in the 600s.
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