Debt Restructure
What Is Debt Restructuring in Divorce?
Divorce often brings financial complexity — joint debts, credit card balances, and uneven liabilities. Divorce Planning debt restructure offers a way to restructure debt and reduce financial pressure, using available home equity or current assets to streamline obligations into a single, manageable payment..
Our team helps divorcing individuals understand whether paying off debt will benefit you when discussing present or future goals.
Why Consider Debt Restrucuring During Divorce?
Restructering isn’t just about convenience — it can be a vital part of creating financial independence post-divorce. Done correctly, it can:
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Lower monthly payments by combining high-interest debts
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Protect credit scores during a sensitive financial transition
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Create a clean break by removing joint debt obligations
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Support mortgage qualification by improving debt-to-income ratio
We help you avoid common missteps and explore if rolling debt into your mortgage is truly in your best interest.
What We Analyze:
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Available home equity
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Your ability to qualify
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Impact on monthly payments and long-term affordability
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Risk assessment
Who It’s For:
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Individuals going through divorce with joint or high-interest debt
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Spouses planning to refinance the home and restructure liabilities
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Attorneys or financial planners seeking support for client debt relief