An unexpected separation and divorce caused serious financial issues when my spouse refused to assist with the marital debt. These debts were all situated on credit cards that were unfortunately only under my name (I managed our budget and had the better credit history and score).
His departure was abrupt and unexpected while I was still searching for employment following graduation from law school. When the credit card accounts fell into delinquency, the financial hardship was extremely overwhelming. I was determined to find employment with a moderate to high-paying salary in order to address the debt and pursue any divorce proceeding. I did not file for bankruptcy; I wanted to pay off the debt. A couple of years later, struggling to land a good-paying job, and still dealing with the divorce/marital debt court proceeding, I am in the position of nearing a determination regarding his obligations with his share of the marital debt.
Simultaneously, I’m nearing the beginning of a security clearance investigation, and I’m trying to remedy the situation as best as I can. In retrospect, bankruptcy might have been a better option, but I am determined to make the payments and see this through at this point. However, my plan has been to await the court determination before tampering with the debt in order to avoid confusion on what total is owed and use any funds that my spouse is ordered to pay to address the debt. If the proceedings do not work out in my favor, which is unlikely, I am prepared to then address the debt through negotiated payment arrangements.
Will this effort/plan be sufficient to demonstrate my ability to handle this financial problem that arose due to a situation out of my control (my credit history prior to his departure was flawless)?