When it comes to protecting your credit score, you need to take the initiative. Your creditors aren't very interested in your divorce, and don't always abide by the rules set out in your final decree of divorce.
For example, if a judge finds that your ex-husband is solely responsible for paying off the debts but your ex doesn't follow through, your creditors may continue to pursue you for payments.
There are things you can do to help avoid further damage to your credit rating during and after a Virginia divorce. We've outlined a few below:
Before you and your spouse separate, close joint accounts and open separate accounts. Not only will this help you make a reasonably clean financial break after divorce; it will also help you have a credit history of your own so you won't have to start from scratch when you're on your own.
Talk with your creditors. You may be able to get your accounts settled by establishing a payment plan. Your creditors may also accept being paid a lower amount than what you owe as long as the amount is paid in a lump sum. Whatever can be worked out, be sure you get it in writing. This way, no negative information reaches the debt reporting agencies and your credit score doesn't suffer.
Consider selling your home. If there's a chance the spouse who gets the home in your Virginia divorce might default on the mortgage, it's smart to simply sell it and divide the profits instead. That way, nobody's credit score gets ruined.
When your Virginia divorce is finalized, let all your creditors know. Document the court rulings that show you are no longer responsible for your ex's post-divorce debts. While this may not get the creditors off your back as soon as you'd like, it serves to show that you have taken the steps as required by law.
Protecting or restoring your credit score takes time and is not an easy job. Having an experienced Virginia divorce attorney will allow you to focus on this task as well as all other aspects of rebuilding your life and moving on.
Contacting a Virginia Divorce Attorney
At this vulnerable time, it's critical that you have exceptional legal representation that not only understands the specifics of your case, but is dedicated to your best interests and that of your family.
The Virginia divorce attorneys at Hofheimer/Ferrebee represent Virginia women who wish to file for divorce. We 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. You can learn more by requesting one of our FREE divorce guides for women, or reserving your seat at our monthly divorce seminar - 757-425-5200.
What Every Virginia Woman Should Know About Divorceis full of thoughtful steps and practical tips that will help you during your separation, divorce, or child custody case including:
-- 20 guidelines for "separation under the same roof"
-- 13 critical factors used to determine spousal support
-- 3 types of property classification recognized by Virginia courts
-- 10 factors your judge must consider in a contested custody case
-- a formula to determine your percentage share of his retirement benefits
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What Every Virginia Woman Should Know About Divorce is full of thoughtful steps and practical tips that will help you during your separation, divorce, or child custody case including:
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