Thanks, unclewulf. I think I have a pretty good case to prove SOL since I have copies of my old credit reports. There are still some questions though. I just noticed that on my older CR the account is listed as 'individual' with my ex as an Authorized user, but the current CA is reporting that this is a joint account with her. How does that play out in court? I was such a fool when we were still married. She would apply for credit card accounts left and right...get one to pay off another...and like an idiot I would sign the apps and she would list herself as an authorized user. I never had a card to this account or made any payments on it which is why it ended up being her responsiblity in our divorce agreement. Would it be an advantage or disadvantage in court for this account to be my sole responsibilty, with her as an authorized user, especially since I don't know if they've gotten ahold of her in California? I guess what I'm afraid of is that she'll succumb to any harassment and make a payment and screw up my SOL defense. I've emailed her and told her not to pay them anything but I haven't heard back from her. That's what I'm still wondering too...am I entitled to my own legal rights in Michigan, independent of what may happen in California. Even if we are both responsible for the debt, doesn't the CA have to obtain a judgment from each of us, in our own states? I mean c'mon...we've been divorced for 8 years. Told ya it was complicated.....to me, at least.