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Top Orange County divorce lawyers; The Maggio Law Firm

Handling Personal Debt During A Divorce

orange county divorce attorneys; The Maggio Law FirmDuring a divorce, marital debts get divided just like marital assets. It is important to understand what your debts are and which ones are marital and which ones are personal. Usually, in places where your name or signature is present as the holder of that particular loan or mortgage will be your personal debt. And in places where you and your spouse are the joint owners, those loans or debts will fall under marital debts.

Work out which debts you need to clear first

To handle personal debts, the first thing that you need to know is which debts are important and need to cleared first. Make a priority list and put all your personal debts on that list. The top 2 or 3 debts should be cleared first before everything else. To prioritize the debts, realize which ones are high in amount and can cost you more financial damage than the others.

Create a plan for clearing out debts

Once you have created your list, create a plan to decide how and when you should clear the debts. Calculate how much money you own and compare it with how much money you have. You also need to keep some part of it as savings. Additionally, you can use budget planners to calculate what you can afford to repay.

Creating and following a course of action will help you reach your goals in the shortest amount of time possible. It will also help you save some amount of money every year.

Take legal action if you’re not supposed to pay the debt

Divorces can be complicated and if you’ve shared a strained relationship with your spouse during your marriage then get ready to pay more debts. But if you have even the slightest understanding of divorce proceedings, then you will know that your spouse does not have the right to make you pay for debts that you shouldn’t be paying. Hire an experienced divorce lawyer and take legal action if you must against your spouse.


Divorces can be complex if you don’t have much idea about finances and debt allocations after divorce. First understand which are your personal debts. Then prioritize them based on the amount you need to pay for each. Create a plan and start clearing it little by little. Additionally, hire a lawyer if you find yourself in legal difficulties or if your spouse puts false debt charges on you.

Getting divorced in California can be complicated.  Download our free eBook, 18 Important Things to Know About California Divorce to educate yourself on the process.  

divorce_attorneyGerald A. Maggio is an experienced Orange County divorce and family law lawyer and family law attorney located in Irvine, California, serving the Orange County and Riverside areas. Mr. Maggio assists clients with legal issues including divorce, legal separation, divorce mediation, child custody, prenuptial agreements, stepparent adoptions, and other family law issues. Mr. Maggio has practiced law in California since 1999, and founded The Maggio Law Firm in 2005, focusing exclusively on divorce and family law matters.



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