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Many divorced people have more than just the end of their marriage to cope with. They might also have a lot of debt with which to deal. Getting free of that debt can feel like they are finally free of the marriage, but they might be at a loss as to how to get out from under all the bills. In some cases, bankruptcy can be the right answer. Bankruptcy after divorce is not uncommon, and it can be both upsetting and liberating.

Even if you’re considering filing for bankruptcy, you’ll want to get someone to help you and give you all the facts. It’s not good to go into a legal proceeding that affects your financial future for years without being certain of your options. Talking with a PA bankruptcy lawyer will help you focus on the laws and regulations so you know exactly what you’re getting into and how it will affect you. Not everyone stops to think about the credit score ramifications possible after filing for bankruptcy, but that’s an important issue to address.

You’ll also want to consider what kinds of debts can be discharged under your bankruptcy. If you have student loans or tax liabilities, those generally can’t be discharged no matter what circumstances you’re facing. Student loans do have some exceptions to that rule. Credit card debt and other debts like homes, cars and medical bills can all be part of a bankruptcy proceeding, so those are the types of debt you’ll want to consider when making a decision.