Unfortunately, I did sign for it. I didn't know, at the time I was signing up for a credit card with him. He's been very irresponsible with money for at least the last decade. We've had separate checking accounts for longer than that because of his inability to control his spending.
He got a new job and we transfered my IRA over to a CU with his new employer and opened banking accounts (separately) for each of us there too. We had to sign lots of paperwork. I didn't even know I was signing up for it. When the cards came in the mail, I never knew. It was at least 6 years before I even know "we" got a card together. I only discovered it when I applied for a credit report because he filed for divorce on me in the fall. I moved out of the house and had my mail forwarded, so now the bill comes to me. He stopped making payments on it, and it is in default. I never even knew I had this card for 6 years. I realize that's irresponsible of me, but I never made a purchase on this card, I never activitated this card, and now he wants me to split the bill with him. If I would have known that I had a credit card with him, I would have called and cancelled it immediately upon receiving the card 6 years. But again, I didn't know we had a card together. This is the only card we're joint on for virtually this very reason.
We're in a equitable distribution state, not community property.
I wasn't sure if it would be worth the effort to write a letter to dispute the card to the credit reporting agencies. It would be cheaper than getting the lawyers involved, but if it has no chance of working, it's not worth the time.
Thanks for the information and for trying to help. I'll pop over to the rebuilding section later today.
