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Couple going through divorce and bankruptcy

When to File for Bankruptcy: Before or After Divorce?

Financial challenges often play a significant role in marital breakdowns. These difficulties tend to worsen during and after divorce. As couples move to separate households, the financial strain increases with the need to manage shared debts on a smaller income. When experiencing divorce, bankruptcy can be a practical solution in managing the marital debt.

Choosing when to file for bankruptcy, before or after divorce, is complex and varies with individual situations. Expert guidance from an experienced bankruptcy attorney like Michael Schwartz is essential for making the right decision.

At the Law Offices of Michael Schwartz, we have extensive experience in providing debt relief in Bucks County, PA. We offer a free consultation to discuss your legal options.

Considering Bankruptcy Before Divorce


Filing for bankruptcy before a divorce can often be beneficial. This is especially true for couples with considerable shared debts, such as credit card and medical bills. A joint bankruptcy filing before divorce can reduce attorney fees compared to filing separately. Chapter 7 bankruptcy can resolve many unsecured debts quickly, usually within four months.

By using bankruptcy to settle debts before divorce, both partners can begin their new lives with better financial stability. This approach can also simplify divorce proceedings and property settlements.

Attorney Michael Schwartz has extensive experience in helping individuals gain a fresh financial start in these situations. Our firm focuses on securing maximum debt relief to support a successful transition to post-divorce life.

Bankruptcy After Divorce


Bankruptcy after divorce is a viable option to address debts accumulated during the marriage. It is important to note that if debts are joint, a bankruptcy filed by one spouse only clears that person's obligation. Unless both parties file for bankruptcy, the other spouse may still hold responsibility.

Bankruptcy does not discharge certain debts like child support and alimony. However, clearing other debts through bankruptcy post-divorce can reduce overall financial burdens. This makes it easier to meet domestic support obligations.

The Law Office of Michael Schwartz commits to evaluating your situation and recommending the best course of action. We aim to achieve the greatest debt relief possible, helping you retain as many assets as we can with a fresh financial start to go along with your new life after divorce. For a free consultation and personalized legal assistance, contact Michael Schwartz at 215-396-7900 for help with your bankruptcy case.

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