When married to my ex, who was in the military, I got a Star Card, which is a credit card for the military shops. My husband at the time co-signed. When we were getting divorced, he told me he would pay it off because they wouldn't let him retire until that account had a zero balance. (Not in writing). Well, I'm re-married, and the IRS just took our tax return of $2086.00. They said it was for a past debt, and after researching, I find out it's due to the Military Star Card not being paid off. Now my new husband is mad at me and I am filing an "Injured Spouse" form for him, but he doesn't understand why they would take part of his income tax and not any part of my ex's since he was co-signer. My husband pays his ex about $2000 a month in child support and other "child essentials" and I get no child support. We are sinking into a black hole of debt fast! Any suggestions or financial words that may help? I need some great advice from people! I'm getting extemely stressed and depressed!
2007-05-01 06:36:00 · 8 answers · asked by bina64davis 6 in Business & Finance ➔ Personal Finance
Yes, I work full time. And although the parenting plan states my ex pays me child support, that was when he was in Iraq. He is home now, for good, and I agreed to shared custody, no support. However, he also had the benefits of using this card, such as a new computer, new TV, etc. It wasn't just me.
2007-05-01 07:39:26 · update #1
Hi Bina! What kind of relationship do you have with your ex? Can the two of you have a reasonable, mature conversation without it turning into a screaming match? If so, I would present him with your research and ask him to pay you the money for the debt, which he had originally agreed to pay, or at the very least, half of it, which he is also responsible for. It's definitely not fair to your current husband to be held responsible for your ex's debt, but it's not your fault that the government took your tax return. That's unfortunate. I would ask them why they haven't gone after your ex-husband. Anyway, the cheapest route would probably be to start by talking to him first. Then you might want to check with a mediator or a law clerk, who usually know the law as well as a lawyer, but just aren't licensed to practise as a lawyer and consequently are much cheaper.
2007-05-01 09:22:50 · answer #1 · answered by LindaLou 7 · 0⤊ 0⤋
Well, you didn't say how much more was owed on the card. If this tax lien takes care of the debt, I would just drop the issue. We are talking relatively small money here. If both of you are working, you should have enough cash flow to keep your head above water, if not, why ARENT both of you working? Take a part time job for a year if money is a real problem (but make sure they take out maximum taxes). Child support should have been a part of your divorce settlement so that either has already been determined or was not petitioned for so you would have to go back to the court to petition for it. It also sounds like you spent the money on this card, so it's not fair to your ex to push the problem off onto him regardless of what he might have said.
2007-05-01 07:16:19 · answer #2 · answered by The Scorpion 6 · 0⤊ 0⤋
Man, that sucks.
Talk to a financial advisor who will more than likely refer you to a good lawyer.
OR
Talk to your ex and admit to each other that you can be responsible adults and each take on payments for half of the debt. This will avoid the $2000+ you will spend on a lawyer who will end up getting that result in court.
Do you have a child with your first husband? Are you the caregiver? More than likely, he should be paying child support. Refer to a lawyer on that matter.
2007-05-01 07:01:24 · answer #3 · answered by Blicka 4 · 0⤊ 0⤋
Unless you have it in WRITING that your Ex will pay the Star Card, you are liable for it - However, he is liable for half the debt, too as he co-signed for it. (Check the actual amount on the agreement you signed.) Call the Star Card and get them to work with you on the debt.
Next, I'd get a good lawyer and get some alimony and/or child support from your deadbeat EX!
2007-05-01 06:44:37 · answer #4 · answered by Marvinator 7 · 1⤊ 0⤋
The IRS will go after anyone for payment of back taxes, but I think they can't go after taxes for debts unless there was a lien placed on your taxes for that purpose. This would have been a court order that you should have been aware of. If the debt was in your name, then I'm afraid you are stuck with the bill. You might want to talk to an attorney about it.
2007-05-01 06:46:23 · answer #5 · answered by Lola 6 · 0⤊ 0⤋
Get this book - Total Money Makover by Dave Ramsey
He also has a radio show. If you cant find it on the radio you can listen to it online for free.
after 16 months I dumed $70K of Debt in 16 months
2007-05-01 06:59:42 · answer #6 · answered by Anonymous · 1⤊ 0⤋
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2016-10-18 05:04:11 · answer #7 · answered by ? 4 · 0⤊ 0⤋
I know it's an expense, but I think you need a lawyer
2007-05-01 06:44:37 · answer #8 · answered by BobbyR 4 · 1⤊ 0⤋