A divorce client walked into my Nashville this week asking me to help them address paying off their debt. This is a common problem that unfortunately too many of us face. Credit card debt is by far the biggest problem. For example, if you have $5,000 in debt on a credit card, your interest rate is 15% and your minimum payment is $100, it will take you 23 years and 9 months to pay off the debt. You will pay $6,869 in interest. During divorce, money is often tight and it makes sense to use a credit card to get by until the settlement is final. However, if the debt is not paid off at the time of settlement, your post-divorce financial situation could become dire very quickly. Research shows us the leading cause for bankruptcy in this country are becoming unemployed, medical expenses and divorce.