We both reside in California and I’m just waiting on the Judge’s signed Final Divorce Decree to come to me in the mail.
I have been advised that if I file a Chapter 7 bankruptcy, that it would prevent creditors from collecting or harassing me for things not related to me.
But is/are there other options for me to consider or is this really the only one? I only ask because the advice I received is motivated with me paying them money to file the BK, so I question that it is my only option.
I am fully aware of what having a BK on my credit does and that is stays on there for 10 years. It’s better than contiually getting wage garnished for my ex’s crap for eternity! Right? I just want him completely out of my life.
ADDITION:
I am not talking about joint accounts. They are HIS debts, but they attached to me when we married. So now his debtors are collecting from me because he can’t hold a job. THEY don’t care who they get it from.
TO LAUREN F.:
That was helpful information and concise. I am correcting and disputing this, but in the meantime I’m literally paying his debts not happy about it as you can imagine.
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So i have heard u can add a statement to your credit report to explain situations…..here’s my situation my ex wife put some bad marks on my credit right before my divorce..i would like to just add that explanation when i get reviewed anybody know how?
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I was contacted by Bank of Omaha telling me that my credit card was overdue and 3 months late, which I do not have a card through them. I then spoke with 2 supervisors that told me to file a police report, which I have done. How long does the report usually take? The exgrilfriend in question has a very troubled life, dated her for pity, originally moved in with her to help with bills, money, etc. She apparently has a copy of my DD-214 military discharge papers, which has my social on it. She was in jail before for a Felony – Grand Larceny. Will the police report charge her with identity theft or fraud or do I have to go to court to persue that? (WV it’s a felony crime) I think that jail would be the best place for her right now. The credit card company confirmed that there was an authorized buyer listed on the account, my ex.
What steps do I need to take now to get this completely resolved? I have contacted the credit card company and the police. I have checked my credit report and nothing has shown up so far.
(thank you in advance)
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My brother was looking over a credit report and came across an entry from a bank. His wife went behind his back and co-signed on a car loan for her brother. What are his options? He wants doen not want to be on the hook for this. Also, if they got a divorce, would he be on the hook if her brother defaulted on the loan? PLEASE HELP!
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