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Bankruptcy and Divorce Lawyers in Burlington County

The Link Between Divorce and Bankruptcy

Approximately half of all marriages in the U.S. end in divorce, and divorce often times goes hand-in-hand with bankruptcy. The reason is twofold: Financial problems can cause tension in a marriage, prompting a divorce. Conversely, divorce results in new expenses like lawyer costs, child support, and spousal maintenance. Many people are not prepared for these expenses and end up filing for bankruptcy less than a year after getting divorced.

If you are in either of these situations and are overwhelmed by your finances, either a Chapter 7 or Chapter 13 bankruptcy may be your most viable solution. Filing for bankruptcy may sound intimidating but can actually prevent potential financial issues that are far worse such as losing your home or vehicle. If you are ready to consider bankruptcy, the experienced South Jersey bankruptcy attorneys at McDowell Posternock Apell & Detrick, PC will carefully assess your finances and be happy to advise you on the best course of action.

Filing Bankruptcy Before Divorce

Financial issues are the top reason American couples file for divorce. If you are planning on filing for both bankruptcy and divorce, it is often wise to handle your financial issues before the divorce proceedings.

There are two main reasons it is easier to handle your bankruptcy case before your divorce case:

  1. When a married couple files for divorce, only one spouse may need to file. If you wait until after you are divorced, both of you may need to file, which means you will essentially be paying twice the cost in fees.
  2. Resolving debt issues before filing for divorce will make arrangements easier in terms of dividing property and assets.

It is also possible that you and your spouse can resolve your personal issues when you are no longer under financial strain. Believe it or not, filing for bankruptcy has the potential to help improve your relationship.

Filing Bankruptcy After Divorce

According to some estimates, approximately half of all American women with children file for bankruptcy after getting divorced. Married couples typically share their income and debt, but after getting divorced, your income may be significantly reduced while your debt stays the same. Even if you didn’t have any debt, you may become legally responsible for helping pay off your ex-spouse’s debt.

Divorce may also initiate new finances you are not prepared to handle with your income, like child and spousal support. These debts cannot be discharged when you declare bankruptcy, but an experienced South Jersey bankruptcy lawyer at McDowell Posternock Apell & Detrick, PC can help you analyze your assets and finances to chart out the best course of action.

What are the benefits to consulting with a bankruptcy attorney in the wake of my divorce?

  • Learn the distinction between what divorce-related debts can be discharged and which ones cannot
  • Find out the truth about bankruptcy and how filing will impact your life
  • Prevent creditors from harassing you
  • Obtain assistance to rebuild your credit

Seek Bankruptcy Advice with a Free Consultation

Divorce can dramatically change your financial situation, putting you in debt like you have never experienced before. If you are overwhelmed by new-found debt after your divorce, getting advice from a skilled South Jersey bankruptcy attorney is the first step in the right direction. Call McDowell Posternock Apell & Detrick, PC today or fill out the contact form to schedule your free phone consultation and learn how filing for bankruptcy can help you.

i felt as if she was looking
out for us like family

We closed our house sale yesterday with Melanie Levan. She was so professional, knowledgeable and great to work with. I felt as if she was looking out for us like family. I highly recommend her.

Debbie Poley Thompson

Our Awards

McDowell Posternock Apell & Detrick attorneys have received recognition from various groups and publications. Specific awards are noted on our attorney bios. More information about each of these awards and the methodology used for selection can be found on the following links. Super Lawyers, Awesome Attorneys, South Jersey Biz Best Attorneys in Business. No aspect of these accolades has been approved by the Supreme Court of New Jersey.

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Philadelphia, PA 19102


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