Communicating With Creditors During a Virginia Divorce

During and after your Virginia divorce, you may have to deal with your credit issues. While doing so might not be easy or fun, it is something that needs to happen if you want to save your credit score and make a fresh start as a single person.

Communicating with creditors can be one of the most difficult aspects of addressing credit problems. If you have had uncomfortable experiences dealing with bill collectors, you are probably reluctant to have a conversation with anyone to whom you owe money.

The following are some useful things to remember when communicating with creditors during your Virginia divorce: 

• Timing matters. The best time to speak with your creditors is as soon as you think or know you won't be able to pay your bill. Be up front and honest and let them know when and how much you will be able to pay. 
• Be prepared. Know how much you owe and how far in debt you are. It helps to have your documentation in front of you before you get started. 
• Stay calm. You're already under stress during a Virginia divorce, and communicating with creditors can make you feel even more frazzled. It's important, however, to keep a cool head, even if the agent you're speaking with isn't the most friendly. 
• Consider all your options. Despite what you might think, you can sometimes negotiate with creditors. In some cases, creditors might opt to waive late charges or accept minimum payments. When you show that you are willing to face your responsibilities, you are more likely to get treated with understanding and respect. 

To learn more about Virginia divorce and your credit score, please visit our article library. 

Contacting a Virginia Divorce Attorney

Throughout your divorce proceedings, you'll naturally have a lot of questions specific to your circumstances. Get your questions answered by requesting one of our FREE divorce guides for women, or reserving your seat at our monthly divorce seminar - 757-425-5200.

The Virginia divorce attorneys at Hofheimer/Ferrebee are committed to fighting for your rights, assisting in child custody disputes, and advocating that you receive everything you are entitled to and need in order to start your new life.