Ex trashing My credit Monthly

[Anonymous]

Ok, I divorced my wife after she racked up $95k in consumer debt in a single year and nothing to show for it...except the bill.

She is a "regular" 30 to 60 day late payer and my name is on 2 accounts she ended up with in the divorce. One is a Mortgage loan and the other is HSBC loan, both jointly owned. My score has dived from high 700's to 625 currently.

I have contacted both creditor and asked them to "force" her to re-finance them solely in her own name...no luck yet.

Are there any legal or non-legal tactics to rid my self of this plague??

[smallfry]

---

@Anonymous wrote:

Ok, I divorced my wife after she racked up $95k in consumer debt in a single year and nothing to show for it...except the bill.

She is a "regular" 30 to 60 day late payer and my name is on 2 accounts she ended up with in the divorce. One is a Mortgage loan and the other is HSBC loan, both jointly owned. My score has dived from high 700's to 625 currently.

I have contacted both creditor and asked them to "force" her to re-finance them solely in her own name...no luck yet.

Are there any legal or non-legal tactics to rid my self of this plague??

---

This wasn't taken care of in the divorce? See a lawyer yesterday who will send the proper papers to all the creditors. Stop the bleeding now.

[Anonymous]

Did you do a Quit Claim Deed on the house?

[Anonymous]

Divorce decrees are not legal binding on creditors.

[smallfry]

---

@Anonymous wrote:

Divorce decrees are not legal binding on creditors.

---

As part of my separation agreement all joint accounts were closed immediately. This is a case of closing the barn door after the horse is gone. He's in a real pickle.

[Anonymous]

My ex husband did this to me also and I ended up paying off credit cards I didn't even know I had til they were on my credit report. And numerous other small bills that I guess I was in such a hurry to get out I forgot about til my credit was ruined. All I can say is at least you are taking care of it as early as possible I didn't realize it was going on til 2 years after the fact. Now I monitor on regular basis. I fell for you.

[Anonymous]

I'm given to understand that a Divorce Decree will allow one to sue one's ex for failing to pay the debt on time. But there is an SOL so one needs to hop on it right away.

[Anonymous]

Are you saying you have an attorney that can help me get this under control ??

[Anonymous]

Yes, but we owned 2 homes so she has one and I go the other. We both did QCD's.

Problem is my name is still on the loan on her house and she doesn't pay her bills. She doesn't have to worry about me trashing her credit because I pay my bills.

[Anonymous]

Can you offer case law information for the state of Washington on this?

I won't hesitate to sue her in court, she has an extensive track record.