Hi - I'm new here, and I'm in a tough situation... my divorce was final in January, but we're all still living in one big happy home (not!), because I can't afford to move out until we reach settlement. The reason we HAVEN'T reached settlement is we're fighting over the credit card debt and the date of financial separation. The credit cards are all in my name, and there's a significant amount of debt. The monthly payments have gotten out of control, and I'm having trouble paying. Several people have suggested consolidating, and my lawyer gave me the go-ahead...