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I am newly separated from my husband. In our short lived year together he charged up tens of thousands of dollars on my credit cards(all of which are in my name for he had terrible credit). There is no possible way for me to live and make monthly payments on these. Can I not get the creditors to get him to pay for them? As of now I have not been late on any payments but if this doesn't get resolved I will be forced to quit making payments and ruin my credit. I desperately need advice!

Posted: Wed Apr 11, 2007 1:01 pm Subject:

I am so sorry to hear about your marriage not working. Are you legally divorced from your husband? You can ask your attorney to prepare a divorce decree and separate your share of responsibility from your ex-husband's. He should be held responsible to pay his part.

Posted: Wed Apr 11, 2007 1:06 pm Subject:

No, In this state you have to be sepatated for a year before you can file for a divorce. He is a verry moody person. One day he says he'll pay for them and the next day he'll change his mind. Its very trying waiting around to see of he will or won't pay for them. I would like to get this resolved before our year is up. I know I'm the fool...but I don't feel as if they are my burden as I didn't charge them up.

Posted: Wed Apr 11, 2007 1:13 pm Subject:

You have to talk to him and make him realize that he is responsible for the bills. Another option is you can speak with a consolidation company and get a lower repayment plan from your creditors. While you are paying, show the statements to your husband so that he pays you back.

Posted: Wed Apr 11, 2007 1:24 pm Subject:

I few weeks ago I looked into debt consolidation and was contacted by USA Debt. After researching for an hour on them I knew exactly what to ask them when they called. I didn't like what they were offering so I didn't commit. I do need to consolidate...and I want to be proactive in this instead of just letting everything go. At the same time, is he not legally responsible for these as well? even if his name was not on the accounts? (note: he is not very responsible...which is one of many reasons why we are seperated)

Posted: Wed Apr 11, 2007 1:44 pm Subject:

He is not legally responsible for the bills charged in your name but you can mutually resolve this matter with your husband through an attorney. Once his share is mentioned in the divorce decree after a year, he will be held responsible legally.

Posted: Wed Apr 11, 2007 1:56 pm Subject:

Thanks,

So as of the moment I would like to lower my monthly payments. This site has been so helpful. Is there anyone that can recommend a good credit couselor? Is the NFCC a good place to start?

Posted: Wed Apr 11, 2007 2:19 pm Subject:

What state are you in?

See the list of dmp companies in the ranking chart here. The companies are rated as per the consumer feedbacks using their services.

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