Friend's ex-husband refused to pay Visa bill he charged on so she is getting calls. Her bills in her name are all paid in advance and over minimum, except for his bill, which has her name on it. Will Visa bring her to court and garnish wages ?
2006-09-20 07:41:07 · 15 answers · asked by Kate 1 in Business & Finance ➔ Personal Finance
Not in Florida, Texas or Louisiana. Your debts are yours, his are his. Friend, huh?
2006-09-20 07:43:03 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Many attorney's will offer you a free consultation. I would suggest you make an appointment and see how to remove yourself from this credit problem he's caused. If it's not possible and what he's done will always be a blot on your credit record, pay it off but don't do it by minimum payment because the interest will be ridiculous. Better to pay large amounts and pay less interest and be done with it. First, ask the attorney if there is another way around it. Just look in the yellow pages for an attorney who offers the free consultation.
2016-03-26 23:13:57 · answer #2 · answered by Anonymous · 0⤊ 0⤋
If your friend lives in a state where the laws are community property (such as California) it is just as much her bill as it is his. I learned this the hard way through my situation. My ex- got the house in exchange for paying the credit card bills (of which most were in my name). Over the years he kept the house and chose not to pay the bills. Even with a court order, such as I had, it wasn't good enough. He ended up filing bankruptcy so I never got anywhere.
2006-09-20 07:44:54 · answer #3 · answered by Anonymous · 0⤊ 0⤋
My finance got taken to court for his ex-wife's cards because both of their names were on it. The judge ordered him to pay. She might want to explain to the credit companies and try to work something out with them. Once it gets to court the amount owed goes up dramatically because of court costs. She may want to check with a lawyer to determine if there is any way to make her ex totally liable or to get him to pay at all. But if she doesn't communicate with Visa they will take her to court. It may not be for years later, depending on the amount, but they will go after who they can find.
2006-09-20 07:55:08 · answer #4 · answered by ang 1 · 0⤊ 0⤋
if her name is on the card account, or if he made the charge on HIS card before the divorce, then yes. they CAN and WILL take her to court for the bill. She really should have cancelled the card if it had her name on it as soon as the marriage became rocky. She is responsable for any debt he incured while they were married, and any debt incured on a card that she is listed on.
2006-09-20 07:52:17 · answer #5 · answered by susan w 3 · 0⤊ 0⤋
I believe that if your friend's name is on the account details, she will be taken to court. After all, how would a company, even one the size of one of the big banks, know who was charging to an account. They want repaying, that's all they see.
If I were you, I'd certainly call my friend and get her to phone the bank and ask for the card to be suspended.
2006-09-20 07:50:22 · answer #6 · answered by micksmixxx 7 · 0⤊ 0⤋
If the Visa or MC is in her name & the ex-husband was joint or authorized user, then yes they can. But first check with your state laws to be on the safe side.
2006-09-20 07:44:28 · answer #7 · answered by Anonymous · 0⤊ 0⤋
if it has her name on it, she is responsible for it.
she can call visa and have the card suspended/acct closed where they will allow no more charges on it, but she will still have to pay it, or take the black mark on her credit.
it'll go away in about 7 years. but yes they will harass her on the phone, no they will not garnish her wages. but she needs to get in touch with visa ASAP!!!!
get the acct blocked from further spending. my ex did that to me, took me YEARS to dig out from under it, only i was really dumb, he had a pick up truck with my name on it, never made a pymt on it, when they called me for $$$ i told them, "i'll pay for it, you find it, and get it to me, i'll make the payments. not paying for something i don't have" they left me alone.......but it was on my credit as a charge off.
2006-09-20 07:50:22 · answer #8 · answered by NeverReady 3 · 0⤊ 0⤋
Small claims court can prove who made the charges and make that person accountable.
2006-09-20 07:48:55 · answer #9 · answered by Anonymous · 0⤊ 0⤋
if the credit cards are in her name, then the bills are her responsibility regardless of who made the charges. it's up to her to hit him up for the cash.
2006-09-20 07:50:17 · answer #10 · answered by mnm34 2 · 0⤊ 0⤋
if the card is truly in her name, she would have had to sign to it when she first opened up the account. that person would then be responsible for any costs incurred on subject card. big problem would be that she would also be responsible for her lawyer fees plus VISA's legal costs also.
2006-09-20 07:44:31 · answer #11 · answered by edna_romano_1943 4 · 0⤊ 0⤋