what questions should I ask Attorney about consolidation?

[quote=jgrim001]Hi,
Looking for information... Recently divorced after a long seperation and nasty court battle. My ex- failed to pay bills while I was deployed to Iraq for a year and ruined my credit. She got the house in the divorce and I got the bills. I curently owe approx $12000 in unsecured debt. And 9200 on my vehicle. I am trying to keep up but just can't. I am planning to remarry in afew months and don't want to drag all this over to her. I am planning to see an attorney about bankruptcy/ debt consolidation. Any adive or questions I should ask them?

Thanks,
Taylor[/quote]

First off, I would suggest that you do not go with the bankruptcy. You do not want to start off your new marriage with a bankruptcy. This will create new problems for you for buying a new house and other things you may want for your new family. You will be better served by going the debt consolidation route. Debt consolidation will help you reduce your interest and your monthly payments.

So, I would suggest that you see a credit counselor before you see a bankruptcy attorney. They will help you develop a plan that could help you get a grip on your debt.

When you say your ex failed to pay the bills, what do you mean? Do you mean your ex was supposed to use your money or was she supposed to work and use her money while you were away? How did the divorce court rule on this matter. If the ruling was reasonable, you don't want to rack up more bills for yourself in the form of legal fees. Just seek the legal consultation and weigh your options from there.

You are taking the right approach in trying to get this problem under control before you remarry. You don't want problems from the past to ruin your new future.

PS-thank you for defending our country!

Taylor,
Check into debt consolidation online; there's no need to pay an attorney for that. You certainly don't need to file bankruptcy; that will have far too great an impact on your future with your new wife. For the same reason, if at all possible, I would avoid debt negotiation. You may want to buy a house within the next 3-4 years, and some lenders will not work with you with that in your immediate credit history. Also, a good debt counselor can answer any questions that you have, explain how debt consolidation works and how it can actually help you when looking for future credit. You'll probably be surprised how quickly you'll be able to get out of that debt, not to mention how much you'll save in interest.
Sandy Leon
United Christian Financial
800-537-4970 x 808