So you are getting divorced, and you have both individual and joint debt you need to deal with in order to set up new individual households. Here are three practical tips with examples to help you move past this and into your new life, debt-free. Tip #1 – Deal with Joint Debt Together if You Possibly Can You deserve a fresh start, and whether you agree or not, so does your ex. If it is possible for you two to cooperate, filing a bankruptcy petition jointly will wipe out your jointly-owned unsecured debt, and will allow you to deal with…