I’m Buried in Debt From Getting Divorced. – Brad

“Dear Steve,

Recently divorced; incurred 30k in debt through the break up with misc. items.

Income 6500 month
4200 after tax
35000 in credit card debt
My mortgage 1200
Old mortgage, which I do not pay and states in my divorce decree is 2100 but this is killing my credit.

What is the best way to get out from under this? Should I try consolidating it? If yes, any company recommendations?



Dear Brad,

Let’s look at the facts.

  1. You got divorced to make a clean break from the marriage.
  2. You most likely previously had a dual income single household.
  3. You now most likely have two single income households.
  4. If the mortgage was a joint debt, it is still a joint debt and you are responsible for the mortgage.
  5. The divorce agreement is an understanding between you and your ex, not you and your creditors.

Would you say that sums up the situation?

I think you should download my book, “Eliminate Your Debt Like a Pro” (it’s free) and follow the instructions for developing a spending plan. That will tell us how positive or negative your spending plan is.

Knowing that then you have some data from which to make some more informed decisions.

I’d suggest you then read How to Get Out of Debt. The Honest and Unvarnished Truth, How Do I Get Out of Debt Quickly? Change Your Mindset, and The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. They will give you a great overview of what we need to deal with to get you moving in the right direction.

Then use the free How to Get Out of Debt Calculator to review your options.

Once you’ve identified a company you want to work with, then follow my step-by-step guide on what you should look for and expect from a good debt relief company.

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


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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