No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
If you live in a community property state they can go after both of you.
Filing a suit against someone is sometimes the only way to get relief from the debt.
The date the CA reported it has nothing to do with the DoFD. Ask the OC when the DoFD was.
The DV won't tell you the DoFD. Only that this much is owed and who is collecting on it. The name of the OC and address if you ask.