How to Erase Credit Card Debt legally After a Divorce

June 7, 2010 - PRLog -- f you have just survived a divorce, you know that the emotional and financial stress can be crippling. From legal fees to moving expenses, 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  to erase credit card debt legally.

Debt Consolidation and  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 to erase credit card debt legally.

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 legally with out impacting your credit score.

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.

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  legally after a divorce, a poorly written letter can make your troubles worse.

If you want to get out of debt after a divorce and legally erase your credit card debt visit: http://www.eliminatecreditcarddebthq.com