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Joint Accounts       The first rule of thumb when dealing with divorce is self-protection. This means protecting your credit as well.      During divorce proceedings, close any joint accounts to avoid further charges. Do your best to pay off or reduce the balances on joint accounts, and completely close the accounts when balances are repaid. These steps can help prevent your ex-spouse from running up debt during and after the divorce.      Next, close all joint accounts and ask your lawyer to draft an agreement between you and your spouse about splitting the debt. Although this is usually part of the final divorce agreement, in some cases divorce proceedings drag on for months, even years, so try to settle credit and debt disputes as soon as possible.