Best way to pay off my half of a debt I share with the ex

Hi Ally

Welcome to the forums.

It's good that you are willing to take care of your previous debt accounts and hence improve your credit ratings. Once you complete your payments, your CR will be showing these accounts as paid and you will have an improved credit scores.

While you deal with the collection agency, ensure that your debt is properly validated and the money will be sent to your debt account only. You should get monthly statements showing that your money has been sent to the account. Prefer written communication so that you have proof of all your actions taken.

You can also take a consolidation program and combine all your other unsecured debts into one monthly payment at a lower rate of interest. The counselor will negotiate with your lenders and reduce the financial charges, late fees from the total debt amount. Thus, you will be offered to pay a lower amount that will be much affordable.

A payment through money order is the best mode of sending the payments. Though you can always opt to send the money through direct debits from your bank.

Regards
Roxette