My ex and I had a joint credit card in which we were both liable. She racked up a huge bill and then filed for chapter 11 bankruptcy. I understand that I can still be held liable. Now here is the question:
I understand I can not sue her for the money because she already filed bankruptcy. Can I sue her for screwing up my credit or for any other reason? After talking to her, she pretty much said "screw you, you're on your own." The creditors are being as nice as possible but they still want their money.
2006-11-29 09:19:19 · 10 answers · asked by Fries 2 in Business & Finance ➔ Credit
no you cannot sue
hence why co signing ANYTHING no matter what the relationship ( parent / childs husband / wife ) assumes you fully understand the risk and that you will be FULLY liable for the debt in case of the other party not be able to repy the debt..
this is why you NEVER co sing for anything
NEVER
even Suze Orman would tell you that.
2006-11-29 12:23:15 · answer #1 · answered by Anonymous · 0⤊ 0⤋
I know this probably doesn't account for much, but Judge Judy has allowed people to sue for half of a debt if a cosigner defaulted on a joint loan then filed bankruptcy. She said that filing bankruptcy lets them off the hook with the creditor, but if you pay the whole bill, you can sue your ex for their half and it's allowed because she didn't charge off the debt she owes you in bankruptcy. I hope I explained that right. Small claims court...check there.
2006-11-29 09:28:47 · answer #2 · answered by glitterkittyy 7 · 0⤊ 0⤋
Unfortunately, you both signed for equal responsibility for the credit card when you applied and got the card. You can try to take her to court to get her to pay for half of the bill, but you cannot sue her directly. If you are legally married, she is legally responsible for her half, regardless of her bankruptcy proceedings. Good luck
2006-11-29 09:29:27 · answer #3 · answered by Mrs. Jackson 3 · 0⤊ 0⤋
Legally there is very little if anything you can do. However what you can do is find out were she lives, works and all the information you can gather. In situations such as yours more creative and cunning methods should be used. Have you tried suing for personal possessions of value. Remember that there are always holes in the system that should be exploited and that is why a free consultation with a layer could help you. Thank you for sharing your story.
2006-11-29 09:31:28 · answer #4 · answered by Roger89 3 · 0⤊ 1⤋
Gosh, that's mean! sorry to hear that! You should go down to your local small claims court. Most have a booklet that explains what you can sue for, what the limits are etc. You might be able to find a copy of the booklet online, but not sure.
2006-11-29 09:28:27 · answer #5 · answered by Mommy♥of2 3 · 0⤊ 0⤋
Assuming you don't desire to declare financial disaster and favor to carry close the thanks to address this particular debt, do not get a lawyer. you'll pay better than something you save. Your best guess is to settle. call'em up and make a freelance provide if you're able to finish that. perchance $one hundred for 5 months and then call it settled. in case you are able to attain an settlement, get it in writing earlier making funds. otherwise, i might want to respond to the criticism and cause them to deliver a lawyer to the listening to. Your answer might want to be that you well known the genuine debt, yet no longer each and every of the junk expenses they have further, and regrettably you're unable to make price now. in case you do not reply, they receives a judgment of default for each thing they ask for. purely tell the choose that you well known the debt in the quantity of although the genuine quantity is, and something else is junk expenses made up through the mastercard agency. cause them to justify the expenses to the choose. they're going to win, and get a judgment for some quantity. with somewhat of success in the direction of what you say fairly than what they say. Then in some unspecified time sooner or later in the destiny, once you're able to pay it off, accomplish that and get it resolved.
2016-10-07 23:30:38 · answer #6 · answered by unger 3 · 0⤊ 0⤋
Hope you and everyone reading this learns a lesson.
Do not let someone else on your credit report. Do not cosign. When it comes to money - under the right circumstances ANYONE will screw you over - ANYONE.
2006-11-29 13:18:51 · answer #7 · answered by tmkng2001 2 · 0⤊ 0⤋
No....the joint credit card is unfortunately the responsibility of you both, but if she doesn't hold up her end, you must. It is a rather common pitfall in a relationship.
2006-11-29 09:22:39 · answer #8 · answered by rrrevils 6 · 1⤊ 0⤋
I don't think glitterkittyy's idea will work, but it's worth investigating. Never thought of this angle.
Another idea is to attempt to contest the bankruptcy due to fraud. But you would need to figure how to prove it.
2006-11-29 10:07:57 · answer #9 · answered by Anonymous · 1⤊ 0⤋
How about taking her to small claims court?
2006-12-02 18:03:17 · answer #10 · answered by luciousgreeneyedlady 5 · 0⤊ 0⤋