Would it be helpful to write a letter to the credit agencies with a copy of my divorce dicree outlining all of the credit cards that my ex husband was supposed to pay? My credit is horrible because of him, and I need to fix it! Any suggestions?
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Divorce decree or not, you were BOTH responsible for your credit card debt. If he didn’t pay, you were required to. So please don’t blame your ex. You ran up the debt, you were just as responsible for paying it.
The credit card company will not accept your divorce decree as absolving your responsibility for the debt. Your lawyer should have explained this to you very carefully.
June 28th, 2009 at 5:02 pm
Yes; and you need to go back to the divorce court that ordered him to pay them and have them proceed against him. He is damaging your credit and legally responsible.
June 30th, 2009 at 10:21 am
I tried this when I got divorced, they don’t care, I sent them my divorce agreement, etc. and they just laughed it off and I got stuck paying on them anyway. File bankruptcy.
July 2nd, 2009 at 7:06 am
You can get all 3 reports for FREE, and can disput things by following the directions.
However, unless your divorce decree outlines what is his and what is yours, you may be screwed.
July 2nd, 2009 at 11:26 am
try to consolidate your debt and start paying on time.; unfortunately if you were married the debt belongs to both not only him.
Try to start building good credit by paying all bills on time and cancel as many credit cards as you can. Always pay more than the minimum.
Good luck.
July 3rd, 2009 at 5:00 am
I went through the same thing about 10 years ago. What I learned was that since they were my cards they were my responsibility despite what the courts said. The credit card companies, etc. can’t enforce your divorce decree especially if they were your cards with him as an authorized user but not an account holder. So, unfortunately, you need to close the accounts, start paying on your cards and take your ex back to court. You may want to look into Consumer Credit Counseling to setup a payment plan if things are really bad. If he was an account holder you might be able to get your name off the accounts but I’m not real sure about that.
July 5th, 2009 at 8:02 am
Look if it is OUTLINED in your Divorce Papers you need to go to the court house in your county and file Contempt papers against your Ex Husband. I did this and I had Everything SETTLED and PAID IN FULL in 60 DAYS!!
July 7th, 2009 at 9:35 am
Sorry to have to tell you this, but all lenders weather it’s a credit card company, mortgage company or auto finance company do not care about divorce decrees. And legally, they are not bound by them since they never agreed to the terms.
You signed the contracts and no matter what your decree says if your ex doe’s not pay, they are going to come after you.
You would think that divorce lawyers would know this by now and make it a condition that any debt be refinanced in the other persons name only as a condition of the divorce.
Your only recourse is to take your ex back to court and force him to pay.
July 9th, 2009 at 6:54 pm
You can give a Statement of dispute to each credit agency, which allow both consumers and creditors to report the factual history of an account. Statements of dispute are added after a consumer officially disputes the status of an account, the account has been reinvestigated, and the consumer and creditor cannot agree about the account status. Both the consumer’s and creditor’s statements of the account status will appear on the credit report.
July 12th, 2009 at 10:30 am
Yes, you should write the credit bureaus letters, but please do NOT send them the divorce dicree. That is not the right way to dispute.
For sample dispute letters:
July 12th, 2009 at 3:41 pm