Kimbery Credit Counselings Blog
Thursday, March 25, 2004
Freeze Your Debt
Once your debt is identified, your main goal is to keep it from getting worse and prohibit a barrage of new charges appearing on your statement. An easy and quick way to do this is the time-honored adversarial divorce technique of cutting off the credit cards. But, prior to taking that step, it is important to inform your spouse The way to do it is to call the number on the back of the card. But, keep in mind; you probably won't be able to cut off your spouse without cutting off yourself
Get our of debt with debt consolidation
If you and your are cooperating with each other (and remember, most spouses do), see if you can't agree on a card or two that will remain in effect for designated purposes subject to designated limits on spending
Next Blog...Bad Credit Warning
Wednesday, March 24, 2004
Debt and Divorce
Most divorcing couples have as much debt as they have property. Getting disentangled in divorce is as much about assigning responsibility for the payment of debts as it is dividing up property. Therefore, it is important to:
Finding out what you owe
Freeze your debt
Discuss and allocate responsibility
Living reasonably with your debt
Get our of debt with debt consolidation
You may already know what is owed since most couples do. However, if your spouse has been secretive about financial affairs, or if your spouse is unable to resist spending money and taking on additional debts, you may be in dark with the exact amount of debt involved. And, one of the easiest ways to find out about outstanding debt is to get a copy of your credit report. Who knows, you and your spouse may have a shared credit history that you are unaware of and, getting your credit report from all three agencies is probably a good idea..
Next Blog....Freeze your debt
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