If you have debts because of your partner’s actions, address these as soon as circumstances allow. Coming up with a plan to deal with debt will help take the pressure off your finances in the short-term, and in the longer term, protect or restore your credit rating, which is likely to be important to give you financial options in the future. Beware of companies that charge a fee to help you consolidate debts or ‘repair’ your credit. These services can be obtained for free through a financial counsellor.