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Credit card charged off

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Nina Guest	Posted: Mon Sep 12, 2011 10:13 pm    Post subject: Credit card charged off Like 0 Dislike 0 When I was married, I had 2 credit cards opened in my name. I was divorced around 2 years ago. The divorce decree stated that my ex will be liable for paying the credit card debts on those two accounts. However, unfortunately enough, he hadn’t made nay payments till date. My credit card company has now charged off those accounts and sent them to collections. Apart from taking my ex-spouse to court, what other options would I have for getting this off my credit report? _________________ Need help choosing the right loan? Get free consultation from community lenders/consultant
smithsussane Joined: 18 Sep 2008 Posts: 10439 Location: Alaska 985.83 Dollars($)	Posted: Tue Sep 13, 2011 12:41 am    Post subject: Like 0 Dislike 0 Hi Nina! Welcome to forums! As the court had ordered your ex to pay off the credit card debts, he is liable to do so. If he hasn't done that, then it will be considered as the violation of the court order. However, as the debts have not been paid off, it will have a negative affect on your credit report. You will have to negotiate with the collection agencies, pay off the debt and get rid of them. As far as your ex is concerned, you can take legal actions against him. You should contact an attorney and he will guide you further in this matter. Feel free to ask if you've further queries. Sussane
chrisgummerson Community Expert Joined: 29 Apr 2010 Posts: 704 Location: La Palma, CA 9.98 Dollars($)	Posted: Tue Sep 13, 2011 10:07 am    Post subject: Like 0 Dislike 0 You are kind of stuck, for lack of better word. What happens with debt is not a courts problem so to speak. The court will order a person to sell the family home, refinance it, of close credit cards, but unless you have the means to sell, refi or payoff the debts, the court order is worthless. Also, a court order will not make any lender take off one of the applicants. Like sussane said, you have the option of taking legal action against him, spend money and time and hope that he has the means and the dedication to pay them for you, if not you have to work with the creditors directly. Many times you can call and negotiate a settlement where they take X amount and settle the account as it was paid in full. When you do make a settlement and you make a check out to pay them, put in the terms of the settlement on the memo line, and state that by cashing this check, the account is settled in full...good luck _________________ Chris Gummerson Bay Valley Mortgage Group bayvalleymortgage.com 714-367-5125
joshuaheckathorn Joined: 09 Feb 2010 Posts: 106 Location: Seattle, WA 18.81 Dollars($)	Posted: Tue Sep 13, 2011 3:19 pm    Post subject: Like 0 Dislike 0 Unfortunately, the divorce decree doesn't absolve you from any credit obligations the judge decides your ex is responsible for paying. If you don't want to take your ex to court, your only other option is to try and negotiate deletions with the collection agencies in return for payment. _________________ Creditnet.com: Compare the best credit cards and apply securely online.

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