Unfortunately, many people just do not know that having the divorce decree state who is responsible for what is not worth the paper it is printed on! I thought my ex and I handled the divorce very well...until 6 months later I get a credit report and see that not only has he missed payments on our joint accounts, but he has charged up over $15,000 in addition to the $5000 we already owed. Someone REALLY needs to write a book or something addressing these things. Obviously, I am too naive on several things but my credit is ruined for the next 7 years because of missed payments! It really seems like this stuff is set up to protect the ones who break the rules (visitation as well as credit reporting)! I am just a nice lady with two kids who is doing the best I can in a situation I never anticipated and it just keeps coming!