Credit Card Debt
How To Outsmart Your Attorney and Save Money On Your Bill! [K] [i] [n]
Array (Kindle Edition) Jonna M. Spilbor, Esq. 2009-07-01
Release date: 2009-07-01
Price:
$29.95
Answers
Divorced 3 yrs ago, judgement was that I give him quit claim deed to house & he was to pay off debts (I only suspected amounts, we were separated for some time). After divorce,checked my credit report and saw a credit card on it, disputed it saying it was his debt and we had divorced & to correct it, and subsequently it was removed from my report & I assumed that was the end. Ex died a few months ago, now just this week I've been contacted by cc co. saying I owe $29,000! I earn low wages & no assets left. He apparently opened acct before I knew him & as far as I remember I am not a co-signer nor did I spend the money. He died broke but his mother died just days after him, and I believe his estate would have inherited substantially. The cc co is demanding immediate payment, saying they will ruin my credit which I have slowly built up to score of high 700's since the divorce. Told it is 7 months since last payment yet I've never seen a bill. Advice? Sincere thanks.
Saw a consumer law atty today who got on the phone and was given the same run around as they gave me, several different depts including "customer fullfilment". They had gone so far as to remove ex-s name from acct and show me as primary cardholder. He said he feels they are blowing smoke, not to worry. I have reported this to the FTC as this institution lied to me, tried to cheat me, and threatened me with ruin for something they knew full well that I am not responsible.
Stephen is on the right track with his answer. Also, I'm including a link for you to get a copy of his death certificate to add to the records you have.
The cc company is on a witch hunt (which person can we get to pay for this bogus claim).
You are not legally responsible for his debts and should not make any kind of 'offer' to pay them.
Check around because there are some very good attorney's in WA that will do the 'heavy lifting' (send them a cease and desist letter) for about $50 or so.
I have included the link where you can request the death certificate.
www.TheCreditCardSolution.com- Free Videos on on debt and divorce, collection laws, debt collection rights and dealing with debt collectors.
The divorce is final, and a court order was issued to the ex stating that he has to pay two of the three credit cards we used during our divorce. The two cards are in my name, not his. He paid the first payments, but he has since ceased payments. How do i make him follow the court order? Can I make him take the debts into his own name?
You are responsible for the debt and will suffer the damage to your credit score if the cards are in your name. The only thing you can do is make the payments, save copies of the payments you make, take him back to court and get a judgment against him. The excuse that the court ordered him to pay will not work with the credit card issuers and believe me, you will suffer for many years with damaged credit. Good Luck!!
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If my ex husband accepts responsiblity for our credit card debt after our divorce, then files Bankruptcy...will the credit card companies be able to come after me?
They sure will. You have to get your name off those accounts. No contract will release you from responsibility.
A woman on a "credit card relief" commercial on the radio said "I contemplated bankruptcy and divorce ..."
What does divorce have to do with credit card debt?
It depends. A wife could be responsible for her husband's debt and vice versa. In some states spouses don't have to worry about that. Their debt is their own, but in other states, the debt of one spouse is shared by both and both have to pay it back. If there is a house in the picture, then creditors will go after it. Perhaps that is why "she" mentioned divorce. Good luck and God Bless!
Mom and dad divorced 10 years ago. Mom has a house in her own name. Dad lives in her house cause she feels sorry for him. Dad recently opened many credit cards under his own name using mom's address and has been running up hugh balances. Dad is unemployed, collecting social security. Since they live together but legally divorced, can the bank go after mom for dad's debt? Thanks!
It doesn't matter where he lives, if HIS name, and SS number on the cards and as long as your mother does not cosign or put her name on the cards then He should be SOLELY liable. If they are no longer married and even if he uses her income as his own, as long as her name and ss number are not on the card apps, then it is not her responsibility. Just as he is not responsible for making the house payment since it is only hers even though he lives there. Good luck and God bless.
Florida Divorce Records Search Security Article Announcements
Florida, the Sunshine State, has its own share of downsides too. Statistics shows that this particular state has the highest divorce rate among all other states with 6 out of every 1000 people who are said to have divorce records. Checking on Florida Divorce Records at the state repository will further validate such claim to you.
These Dissolution of Marriage Records or now commonly known as Divorce Records in the state of Florida are stored at the State Office of Vital Statistics which is under the Florida Department of Health. Every divorce record there is from June 6, 1927 up to this date is available at the above mentioned state with no restrictions at all for as long as the required fee is paid and the necessary information are handy with you. However, in requesting for such information, you have to bear with that long processing time which will often take 2 to 3 weeks before the desired data will be handed to you. On the other hand, those requests for divorce records that occurred before June 1927 are entertained at the Clerk of Court in the county that granted the divorce.
...News
VOICES: Scott Martin, On Controlling the Cost of DivorceWall Street Journal (blog) - Mar 15, 2010
You've got to do everything from making sure you name is off your ex-spouse's credit card, so you are not responsible for his or her debt, to making sureBaltimore Sun - Mar 15, 2010
Retailers lose hundreds of millions of dollars each year from employee theft, and employees with heavy credit card debt might be more likely to steal, and more »
Leagle.com - Mar 15, 2010
Because he has separately classified and provided for full payment of the Credit Card Debt in his chapter 13 plan, the Debtor argues that the contingencyUSA Today - Mar 08, 2010
Financial, legal and marriage experts do agree on one front: Before getting hitched, couples should sort through issues such as credit card debt, and more »FOXBusiness - Mar 11, 2010
Repaying big credit card balances is hard enough, but remaining debt-free can be even more of a challenge. The best advice on how to stay and more »Philadelphia Inquirer - Feb 25, 2010
said those who postpone the legal process need help to manage bills, restrain credit card debt and separate their finances while under one roof. and more »Divorce Online (blog) - Mar 10, 2010
Although it won't alter your responsibility on any joint credit agreements that existed prior to the separation or divorce, it can save you a lot of trouble