Going through a divorce, have a ton of debt (credit card, unfortunately) and can%26#039;t afford the monthly payments while paying for 2 residences (ex is currently not working). Which would have the least harmful effect on my credit: filing for Ch. 13 bankruptcy or contacting a Debt Relief Agency for help?
What%26#039;s worse: Ch. 13 Bankruptcy or using a Debt Relief Agency%26#039;s help?
bankruptcy!!!
What%26#039;s worse: Ch. 13 Bankruptcy or using a Debt Relief Agency%26#039;s help?
The least harmful effect on your credit? Contact the Debt Relief Agency. Filing for Chapter 13 will kill your rating.
What%26#039;s worse: Ch. 13 Bankruptcy or using a Debt Relief Agency%26#039;s help?
Is there a reason why you are paying the spouses living expenses? Are you court ordered to do so? Talk to your family law attorney AND consult with a bankruptcy attorney to see if bankruptcy will even accomplish what you need accomplished. If the debts are both in your name and the ex%26#039;s name that can make a difference.
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