My ex girlfriend and I had a joint credit card with myself as the primary. She racked up a huge bill. She filed for chapter 11 bankruptcy last year with this credit card listed as one of the creditors. I have not heard from the collection agency since that time. It is still on my credit report. Can I dispute this even though the credit card bill was legitimate and can they still try to collect from me? I have done many searches on what my rights are but I have not heard much on this specific issue.
2006-11-22 09:54:12 · 8 answers · asked by Fries 2 in Business & Finance ➔ Credit
Thanks for the response. The card has been "deactivated" by the issuing company quite a while back so its not like anybody is using it right now. I haven't heard a word from the company or any collection agency associated with them. Even the people at the credit card company are not quite sure what is going on. The card became delinquent in May of 05 and it shows 180+ delinquent on my credit report. Does not show that it has been "charged off" or anything.
I am going to file a dispute with all of the credit reporting agencies regardless. If nothing else it will be submitted as a note to my record.
I have talked to quite a few other people and they seem to believe if the bankruptcy judgment included and this account, it should be listed as "closed" on my credit report.
2006-11-22 10:38:15 · update #1
Because of the fact you were joint card holders, and you are the primary, unfortunately you are held liable for the remaining balance, if any. My sister and I were joint account holders on my old Visa, and when she declared bankruptcy I still had to pay off the remaining balance. Your best bet would be to call all three credit bureaus to find out if it effects your score. Her declaring didn't effect mine, so it shouldn't effect yours. Call these three numbers just in case:
Equifax: 1-866-798-6598
Experian: 1-800-734-4617
TransUnion: 1-800-888-4213
Best of Luck!
2006-11-23 08:31:30 · answer #1 · answered by Renee W 2 · 0⤊ 0⤋
Yes, you will be held liable as it was a joint account. Make sure she cannot access the account anymore and have the account number changed. It will stay on your credit report for 7 years, but as time goes by, you good credit will overshadow this issue. And if you go to buy a home, they will ask for an explanation, so have you documentation ready as this will be questioned.
You could try to take her to court for the unauthorized charges, but the burden of proof is on you to prove you prevented her from using the card after the split. Check with you local court or lawyer.
2006-11-22 10:18:11 · answer #2 · answered by Joe S 6 · 1⤊ 0⤋
I am a bankruptcy attorney California. Even though you ex girlfriend might have received a bankruptcy discharge, you are still a co-borrower on the credit card. The credit card company could come after if they chose to do so.
2006-11-25 10:03:14 · answer #3 · answered by Carl 7 · 0⤊ 0⤋
no matter if it really is a joint account it really is joint debt, licensed person ehh your debt. it truly is why you've an lawyer. Very extraordinary each person would save an open account with an Ex, if in besides your debt is going to him as an ex you'd be charged with against the law and the bkk recinded.
2016-11-29 09:23:19 · answer #4 · answered by ? 4 · 0⤊ 0⤋
Yes. My ex charged up a card that I wasn't even on and I had to pay up. Sadly it costs money to love and lose. But don't let that get you down. Before too very long you'll be right back in the thick of things. But use your better judgment next time. You can choose not to pay this card but your credit score will be affected.
2006-11-22 09:56:57 · answer #5 · answered by Joe Schmo from Kokomo 6 · 2⤊ 1⤋
Speaking as a nationally known credit score and lending expert (book, radio shows, newpaper column, etc)....
If you are "jointly" responsible, then you are responsible.
If she was merely an authorized user on your card, then your card holder agreement will explain what you are liable for.
If fraud was involved, that is a matter for a lawyer and maybe the police.
2006-11-22 13:57:14 · answer #6 · answered by supercreditguru 3 · 0⤊ 1⤋
Only the person who filed for bankruptcy receives any relief from repayment in a bankruptcy filing.
It is your account and you are still on the hook for paying it.
2006-11-22 12:43:01 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Yes, unfortunately you are liable now.
She is not.
Thats Sucks a fat one!.......
Read up: http://www.expert-credit-advice.com/bankruptcy_facts.htm
2006-11-22 09:57:27 · answer #8 · answered by Anonymous · 1⤊ 1⤋