I Am a Christian Woman and I Need to Deal With My Debt. – Bev

“Hi Steve,

Not sure if you can help but just went thru a divorce after 22 years. We had major debt and the judge gave my ex most of it since he makes more money. Even though he makes more he is less of a good money manager than I am.

I want to get us both out of debt since our credit is still tied. I have read Kevin Trudeau and also see SO many debt relief companies like the one that led me to your sight called in charge and hope financial where they help you get your mortgage down and pay back just 37% of your credit card debt.

I am a Christian woman and want to do the right thing however we owe approximately $1800 per month in credit cards right now and I don’t see a way out!

Even though my ex makes good money he is buried under 2 high mortgages, maintenance for townhome, REALLY high credit card bills and rates. I think that I could pay off my part that the judge gave me in a couple of years but what my name is on with my ex I am not sure that we can EVER pay off.

Any suggestions or can you help?


Dear Bev,

Your statement that you are a Christian women is an interesting one. Quite frankly I’m not sure of the context it is meant so I’ll assume that what you mean by that is you want to do the “right thing” and do what is moral and good. Heck, even if we just try to apply Christian beliefs to debt problems we’d have hundreds of different approaches.

The best advice I can give you is for you to do your homework with what I tell you and pray on it. You don’t have to act impulsively or without insight.

So here is the deal with the ex-debt. All the joint debt you have will still be your responsibility if your ex-husband defaults, no matter what the divorce agreement says. When you get divorced you divorce your spouse, not your creditors.

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So you got divorced to get a fresh start or second chance. Some may fault you for doing that as it being somehow anti-Christian. People have lots of views.

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

I’d like for you to consider that you are probably so financially buried at this point that the chance of you digging out without intervention is probably slim. And even if you did, there is no telling which of the joint creditors will come after you if your ex-husband defaults.

I’d like to suggest that a reasonable and Christian way for you to break the bondage of the old debt is to consider bankruptcy. The feedback i hear most often from people is they don’t want to do that because they feel a responsibility to repay their creditors. Well there is nothing that prevents you from getting the legal protections of bankruptcy to give you a fresh start and then you repaying your creditors as you can on your terms afterwards.

If we want to make this a Christian question, let me ask you what you think the Bible says about the following question. Is it better for you to continue on the path you are on for the next five or more years and try to repair the past, or is it better to learn from your past experience, utilize legal solutions to deal with your debt and be a better steward moving forward?

If bankruptcy is wrong, then why does the Bible talk about the forgiveness of debt?

I think you should use the free How to Get Out of Debt Calculator to review your options and then let me know what you think about the major options available.

Please post your responses and follow-up messages to me on this in the comments section below.

Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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