Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
Re: Ex Did a Terrible Thing... Is My Credit Ruined?
[ Edited ]

It's possible for one spouse to file BK, no relief there.

 

These are joint accounts, if the husband files BK they don't just become chargeoffs, the creditor(s) will simply pursue the other joint debtor (the wife).  NFCU is mentioned, they are generous with credit but tenacious in collecting.

 

OP needs to get with a good divorce lawyer and a BK lawyer yesterday.  To avoid having to file BK she is going to have to be ruthless in immediately suing for divorce and seeking to be made whole regardless of where it leaves him.  This may be compliacted by the fact she has moved to PA but may have to file in VA.

 

Another question for the lawyers - if the husband agreed to pay these off and did, and later began suffering from "deficits from a brain tumor" and PTSD, was he competent to incur these debts?  That could be a defense against collection.

 

OP needs to get off all joint or AU debt right away, to the extent she can.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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