The only option I believe you would have, is to sue your ex for the money you spend paying off his/her financial obligations. It would seem to me, if the person will or can't pay the creditors. It would be highly unlikely you would be able to recover your money either.
All purchases made with credit cards become credit obligations, in the sense that you are legally obligated to pay for the items you buy on credit. Most home buyers also require a loan to buy a house, and they are obligated to make payments on that loan. Student loans are also very common. People finance their higher education on credit, and they are obligated to make payments on those loans.
The only way it could possibly affect the former spouse's credit is if you are including debt in your BK that the spouse may be jointly obligated on; regardless of who was responsible for that debt in the divorce decree. It the spouse was not a co-signer on any of the debts you file BK on, then they won't be affected.
The act of divorce does not damage your credit.
The debt should have been divided appropriately in the divorce decree. If not, the fact that you are divorced and not on the card should insulate them from responsibility.
They are not obligated to give you a copy of a credit report.
credit card debt is reserved to all the names that were used when the credit card was applied for so even in divorce situations where the judge has split the debt it is not legally removed from you if your name was on the account
No. As an authorized user, you are not legally responsible for his debt. Now, credit score wise, even though you did not create the soon to be bad debt, it still shows up on your credit report.
The full faith and credit clause
All purchases made with credit cards become credit obligations, in the sense that you are legally obligated to pay for the items you buy on credit. Most home buyers also require a loan to buy a house, and they are obligated to make payments on that loan. Student loans are also very common. People finance their higher education on credit, and they are obligated to make payments on those loans.
yes if they have your name on it
Review the divorce decree. It typically specifies who is responsible for the debts of the couple. Their estate has to resolve the debt if it was assigned to them.
A child under the age of 18 is not legally obligated to pay back any credit card debt. Their parents are also not obligated to pay back the debt for them. The teen, however, can be taken to court and/ or face criminal charges for filing a false credit card application and also face charges if they used a social security number from another individual who was over the age of 18.
The only way it could possibly affect the former spouse's credit is if you are including debt in your BK that the spouse may be jointly obligated on; regardless of who was responsible for that debt in the divorce decree. It the spouse was not a co-signer on any of the debts you file BK on, then they won't be affected.
The "Full Faith and Credit Clause," located at Article IV, Section 1.
If you were unauthorized, you can be held legally -- and possibly ciminally -- responsible for any debt you incurred.
The act of divorce does not damage your credit.
The primary and co applicants both have the credit attached to their credit scores. They are also both legally responsible for the debt incurred.