I will be filing for divorce in the new year and use to have perfect credit but was late with 1-2 mortgage pmts and 1 car pmt last winter that are both in my name and it tanked my credit. I also have about 45K in credit card debt but never miss a pmt but can't keep up with the crazy monthly pmts. Is it better to file for credit card bankruptsy before a divorce since my credit is now bad anytways so that I can make a fresh start? I have a small child and am worried about getting approvevd for a rental apt or home but my credit is bad now so not sure if it really makes a difference to file for this now or wait? I work F and make a decent salary but the CC debt will keep me from being able to pay a monthly rent or home loan, car pmt, school for my son etc...especially after a divorce.