How can my husband get a credit problem fixed caused by his ex-wife?
Linda A asked:
The gal Bob was married to previously had an operation to help with an obesity problem. The health insurance did not pay so they got a loan and both signed. When they divorced, she said she would pay that bill and this is reflected in the divorce which Bob did himself. Now she has stopped paying and it’s reflecting on Bob’s credit. She has moved to California to avoid having a judgment placed on her and we’re stuck with this negative information on his credit score. All the professionals we’ve consulted tell us the only way out is to pay it ourselves but we really can’t afford to take on this financial burden. I would very much appreciate hearing from anyone who’s been through this or has successfully fought a similar problem.
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The gal Bob was married to previously had an operation to help with an obesity problem. The health insurance did not pay so they got a loan and both signed. When they divorced, she said she would pay that bill and this is reflected in the divorce which Bob did himself. Now she has stopped paying and it’s reflecting on Bob’s credit. She has moved to California to avoid having a judgment placed on her and we’re stuck with this negative information on his credit score. All the professionals we’ve consulted tell us the only way out is to pay it ourselves but we really can’t afford to take on this financial burden. I would very much appreciate hearing from anyone who’s been through this or has successfully fought a similar problem.
July 19th, 2010 at 12:15 pm
He signed the contract, he agreed to pay half at that point. Janet
July 21st, 2010 at 1:40 am
Bob is only obligated to pay his share. There is justice out there. If the amount is under $2K you can take her to small claims. Otherwise, tell the credit co. the situation and let them fight it out. Not your responsibility. Yes, I was in that sitution, I fought and won. Nightrider
July 23rd, 2010 at 12:26 pm
You will need to send a copy of the agreement they signed (where she said she would be responsible) to the company in question so they can remove it from his report. If you don’t have anything in writing I’m afraid you’re stuck. Kevin K
July 24th, 2010 at 12:38 am
Search the web or yellow pages for credit improvement companys. These type groups clean up your credit by taking off things that have been on there for years. Contact the creditors to discuss lower pay-off amts. twotwo
July 24th, 2010 at 7:41 pm
There are lots of ways to accomplish what you want but only 1 best way. If you have lots of time and persistence, you can take a stab at it yourself. I believe, however, that your credit is at least on the same level of importance as taxes (which most people have professionally completed). I know of a non-profit company that does all the leg work for you and hopes to improve your score 90 points in 90 days. Check out the credit repair link at the dream