I have several bills/uncollected debt affecting my credit report. I have a decree that states he is responsible for half but I know a decree has no affect with creditors (or does it?). I do not want to pay it and let him get away with no responsibility. How do I hold him accountable?
2007-01-17 08:58:49 · 8 answers · asked by Anonymous in Business & Finance ➔ Credit
A judge has decided what debts you are to be responsible for. They should be outlined in your divorce decree. This divorce decree now supersedes any and all agreements you previously had with any of the companies you owe.
Make several copies of the divorce decree and send the decree to the bills your husband was to pay based on the divorce decree telling them that you are no long responsible for them, therefore they should stop reporting erroneous information to the credit bureaus. Make sure that you include the account numbers.
You should also do the same to the three major credit bureaus indicating and outlining the debts you are liable for as well as those that your husband are liable for, and that you now want them to remove erroneous information from your credit report.
Again make sure that you include the account numbers.
These people are not the brightest in the world, so you might have to do this several times. It is worth it and will save you many many problems down the road if you start protesting now.
This is something you should take very serious, because the credit bureaus and people you owe have no knowledge of your divorce nor the division of your debts as determined by a judge. Don't sit there and think these people are gonna take any action on your behalf.
Your decree has a lot to do and will affect your creditors. Do you think the judge just sat there and made a judgment that has no effect? Think again!! They just haven't been told and never will unless some decide to tell them about the divorce decree. Don't allow the creditors to tell you it doesn't matter because it does. Tell them they should take this matter to their legal deparment for clarification, if they have a problem with it.
I hope this has been of some use to you, good luck.
'FIGHT ON"
2007-01-17 09:20:16 · answer #1 · answered by Skip 6 · 0⤊ 0⤋
Send a copy of the decree to your creditors and tell them that your only going to be responsible for paying half and your x is responsible for the other half. Make sure you send it registered mail so they can't say they never received it. I would think as long as your creditors are aware of the situation that they won't have a claim to come after you legally for her share even if she decides not to pay.
2007-01-17 09:06:44 · answer #2 · answered by Bruce 4 · 0⤊ 0⤋
Child support is also a court decree and how effective is it?
When sending in your payment(s) include a note that states that you will only pay half, the rest is the responsibility of your ex. Don't forget to include his name, address, and SSN (if you know it).
Include a similar note at the time of your last payment, something to the effect of : "This is the last payment I will be making, the remainder of the obligation rests with my ex-husband (name, address, phone number [if known], and SSN) in accordance with Court Degree issued xx/xx/xx (Date) as a result of divorce proceedings. Any attempt to collect the balance from me will be considered harassment and I will take all available legal steps to insure that such actions cease." Keep a copy for yourself.
Send a copy to your ex, Certified Mail, Return Receipt Requested. Keep the receipt, with the copy of the letter, in a safe place for future reference.
2007-01-17 09:12:58 · answer #3 · answered by PALADIN 4 · 0⤊ 0⤋
The only way to protect your credit is to pay them. Otherwise you will constantly have to explain things and show the divorce decree every time you want credit and hope they recognize it.
2007-01-17 09:02:04 · answer #4 · answered by lubosfan 2 · 0⤊ 0⤋
Here is a link to a site that has a debt management software program, free. You input your income debts and living expenses and it returns to you an depth strategies plan of repayments. This is a start to sound debt management.
2007-01-17 13:57:42 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Small claims court, or see your lawyer if you can afford it. Do not enter into any verbal agreement with your ex!
2007-01-17 09:06:10 · answer #6 · answered by Bryan 2 · 0⤊ 0⤋
im sorry to tell you but your screwed, your ex is an a$$hole!
2007-01-17 09:06:10 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Small claims court ?????????
2007-01-17 09:01:49 · answer #8 · answered by buzzwaltz 4 · 0⤊ 0⤋