If you have just survived a divorce, you know that the emotional and financial stress can be crippling.
From legal fees to moving expenses, the credit card debt after a divorce can pile up quickly.
Once the whirlwind of emotions passes, many people find themselves staring at their credit card statements wondering how to get out of debt and how to get on with their life.
There are countless systems available online that promise to help you erase credit card debt after a divorce.
I've seen them all, and I've reviewed the good and the bad (see the link to my review site in the about me / resource box).
In this article, I'd like to go over some of the best advice these systems have given.
While I recommend investing the money in the quality systems, the advice below should get you on your way to erasing your credit card debt after a divorce.
Debt Consolidation vs.
Debt Elimination As you start reviewing your options, it is critical that you understand the difference between these two terms.
Many companies offer systems to "get you out of debt" but fail to mention that their program simply gives you one big loan to pay off all of your current debts.
While this may be a good option for some people, this "Debt Consolidation" does little more than regroup your debt and may only slightly reduce your interest fees.
I highly recommend that you look for "Debt Elimination" services.
These companies and systems work with you to explain many of the insider tricks attorneys use to completely erase your credit card debt after divorce.
All of these systems I recommend utilize some type of debt elimination system.
What About My Credit Score? Many people are concerned with how erasing their credit card debt after a divorce will impact their credit score.
While many programs advise you to just stop paying your debts and issue cease and desist letters to your creditors, the programs I recommend give you step by step advise on making sure that your credit card debt is erased cleanly with out impacting your credit score.
Be very wary of any system that tells you to just stop paying your debts.
Delinquencies, judgments and other credit issues can stay on your credit report for up to seven years.
There are numerous ways to erase your credit card debt that allow you to both elminate the debt and do little to no harm to your credit score.
Do I need To Pay an Attorney to Write Letters to My Creditors? No!!! If any system tells you that you have to pay them attorneys fees for writing letters, look elsewhere.
Most of the letters you will need can be found in the top systems prewritten by attorneys and ready to send to your creditors.
Simply fill in the blanks and send them off.
Keep in mind that while you don't need an attorney to write a letter for you, it is vital that you don't write the letter your self and try to "wing it.
" The credit laws are very specific, and while a properly written letter can help you erase your credit card debt after a divorce, a poorly written letter can make your troubles worse.
If you're serious about erasing your credit card debt after a divorce, check out our review page.
The best systems we've found cost less than $50 and can eliminate tens of thousands of dollars.
Good Luck!