Proud Mommy
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If the card was in both your names you are both responsible for the debt regardless of who made the purchases. The credit card company will take any measures necessary to collect the debt.
If you are divorced or in the process, contact your attorney right away for advice. Depending on the divorce laws of the state you live and/or the terms of your divorce you may be responsible for part of the debt . |
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TallPaul
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Give them his new address. Get them to prove you co-signed credit agreements etc... |
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The Best
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If the card is in both your names both of you are liable.
If the card is only in your husbands name it is not your debt.
If it is a joint card suggest you stop spending, cut it in half and tell the creditors you will pay them £5 a month ask them to freeze the balance and interest payments so that the debt can be reduced.
If the card is in your name it is your debt.
Hope that helps. |
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Stevie
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Marie - go to your lawyer - make sure your ex husband gets whats coming to him. He is a true ******* loser if he did that to you - i think youll find most of us are with you here - go to your lawyer NOW |
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Princess
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Unfortunately, if you're married, his debts are yours. Are you planning to divorce him? If so, do it now to get all the financial stuff wrapped up. They might allocate a portion of the debts to you, but then you know where you stand at least. (they did this to my mother when she divorced my dad, who had lots of debts- she spent years paying them off- but this was 20 years ago in America so it may not be the same now, or in the UK) |
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~Kim~
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Give them his address and phone number so they can start harrassing his sorry ***... One good thing about this is..... you've lost his crazy behind!! |
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Helen
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citizens advice can take over the debts and pay each creditors £1 per week .
Alternatively it is law that creditors cannot refuse payment , so write to each stating that you cannot afford to pay them more than so much a month and would like to know how it should be paid .
Ironically a CCJ is better than a default because a CCJ will be removed from record as soon as the debts paid whereas a default stays put for 6 years . |
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Davy B
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In UK you are not usually liable at all for your husband's debts although if you jointly own assets you may have to sell them.
As others say get legal advice quickly. Either a solicitor - they usually give a free half hour - or Citizens Advice |
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Whipass Chick
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contact a soliciter/lawyer and ask them for advice. There's no way you should be getting treated like this. |
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Barbarian
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If you are sure you have to link to the debt, contact the police and advise that you are being harassed, write down name and address and any other details of anyone who contacts you. Ensure you get full identity of anyone who contacts you. |
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Ellie
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Debt collectors are not allowed to hound you at work or at home for that matter. Never answer the door to them and seek legal advice immediately- do you have your husbands address- send them to him. Divorce him as soon as possible to try to untie this debt from yourself. When you are married you are responsible for half each of the debt- sorry- its unfair when you have already been through so much. Please see the C.A.B. or a solicitor. |
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Expert Realtor
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If you had these as a joint account holder, then you are just as responsible for the debts as he is. |
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SPIFIMAN1
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The only way you are liable for this debt is if it is either a joint account or a co-signed account.
If you are only a authorized user, they can not come after you for this debt.
I suggest you get a copy of your credit report and look under the creditors name on the left side of the bureau. If there is a "J" it's a joint account. If there is a "C" it's a co-signed account. If there is a "A" you are a authorized user.
Do not believe people that say a divorce decree protects you. If these accounts are joint or co-signed the creditors are not bound by any such decree. You would have to take your ex to court to force him to pay. |
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pollywallydoodle
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Just about everything has been said if joint debt you are liable . If you are liable go bankrupt it will cost you 485 but worth it to get rid of them and no more worry. If they are not joint, tell them to prove it is your debt .Give them his address and tell them to speak to him or you will contact a solicitor and will be seeking compensation for the distress they have caused you. |
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Neka
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If your name is on the credit agreeent (whether you signed it or he did) you are responsible and bill collectors don't give a rat's @$$ what a divorce decree says about who is responsible for what. Share the misery and let all of your soon to be ex-husband's debtors know where he works and lives and how to contact him by phone. |
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john m
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Are the debt's in joint names, if they are then I'm afraid they can pursue you for the debt. If the debt's were in husbands name only then if in UK report them to Trading Standards as they will advise on getting the credit companies to stop hassling you. |
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FRANK W
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The first thing is was the debt in both names if not tell them to take you to court the judge will dismiss them as idiots ! if it is joint debt make yourself bankrupt and blow them away for ever. no shame! |
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lea n jase
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i would go and see your local Citizens Advice Bureau. I have had the same problem as you and I even had the bailiffs round for my husband when the debt wasn't even at my address.
Sometimes they will come after you because they do not know where your husband is living. Try informing them of the situation and leaving them his forwarding address.
Good luck with everything and if I learn of anything else which can be of interest to you I will let you know.
I don't want you to have to go through the same things that I went through.
Good luck and don't let them get to you. |
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Steve
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Make an appointment with the Citizens Advice Bureau in you're area take all the paraphernalia with you show it to them and they normally can contact all the creditors that (a) your no longer with your husband (b) making a note none of the bills are in your name & (c) Th e same said creditors are victimizing and discriminating against you for someone elses debt.
If on the other hand your ex has managed to take out loans or credit cards in your name then you have to prove somehow you was not aware, in any case the CAB money adviser will draft up a income and expenditure financial plan and if at worst you are liable for the debt they will suggest you make a financial offer of a £1 pound for good will, once paying that no one can touch you as the courts will see you are making a voluntary contribution.
Admittedly most creditors want blood, or in real terms will only accept 10% of the outstanding amount, so if by chance you are unfortunately liableto repay a said amount make the offer of a pound.
In any case the financial adviser will tell you all this, best of luck. |
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SCH
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If your name was on the debts (even as just an authorized user) they can come after you for the debts...You should have a clause in your divoce decree that protects you from your husbands debts (a hold harmless clause). This does not mean the creditors will not come after you (they have all rights to) but what you can do is go before a judge and have them issue a judgment for your ex to pay you each month. If he doesn't pay you get a court order to have him arrested. I have a friend who did this after her ex filed bankruptcy, sticking her with all of the debts he had when they were married (ie car, house, credit cards, tax liens). She last Friday he was arrested on a bench warrent for failure to pay her for the debts. |
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jeff k
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Debt collector's do not give a flying f*ck who they persecute for money as long as they get it from someone, most of them are wannabe gangster's who go home from a days "work" happy in the knowledge that they have bullied money out people who will have to starve their kids to line these cowardly bast@rds pockets with the ridiculous wages they earn, god bless them, I have never had to deal with this kind of scum luckily, but I do feel for you poor sod's who have, try and have a nice weekend, hard though I am sure that will be. |
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moses
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Sorry indeed!, Your husband got so much credit because of the following facts:-
1. Because he was married to you, he was considered responsible
2. He got those credits while you were there which you both enjoyed together and you can never deny this.
3. It is true that he is now violent because psychologically he is troubled in your absence
4. There are two ways to solve the problem.
a. Be in talking terms with him and encourage him to pay up or sign a payment agreement with the creditors
b. Pay the debts and close the relationship finally
5. Creditors deserve their money, that's what keep them going.
Goodluck |
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P.K.
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I have seen too much of this sort of thing from the other point of view to be sympathetic.
usually it's the ex-wife who gets all the benefits out of a failed marriage, and the ex-husband is expected to pay out again and again and again....... |
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