Larry has an interesting answer, but let me clarify that closed accounts that appear on your credit report are a bad thing. If they're closed by the creditor, that's worse than closed by you, but the point is, the temptation will be to go to all cash -- and that is wrong.

Old trade lines with good on-time payments for the last 24 months are the best way to keep your score high. If you drop all your credit lines after you pay them off and use only cash, then the only thing that will show on your report is old bad debt. Your score will be below 500 if you do that.

Yes, pay down the debts as required (at a minimum) but more importantly pay them on time. Lates will plague you later. Do not close a credit card you have paid off. Keep it minimally active in order to keep its length helping your score when you get a string of on-time payments and reduce the balance to below 30% of the credit line.

Yes, you need a budget to help you see where you're spending and cash makes it easy to spot when you're overdoing it. Using cash does not mean abandoning credit cards. You need to demonstrate that you know how to use them responsibly.

Another mortgage loan will require a minimum of 3 years to accomplish and the last 12 months of that must be absolutely clean.

Understand what is going on with your credit. And stay safe.
Here is an article I wrote and a book I put together about credit.

http://texashomeloanblog.com/post/718867/d-i-v-o-r-c-e-divor…

http://dallasloanguy.com/docs/about_credit.pdf

Bottom line: You will be a renter for 3yrs.
There may be exceptions if you can document your situation.
But the credit is likely wrecked anyhow.
Put yourself on a 3yr plan with the info I posted and feel free to contact me with specific questions.

Stay safe first. Financially, be conservative with your money. Pay cash when possible. Don't buy anything you don't need. Pay all bills/debt on time. Work as many jobs as you can to pay off debt. Most of all stay in touch with lenders, the courts, and your attorney.

Larry