My husband and I recently divorced, and I was able to keep the house. While we were married, we got a joint credit card, and also shared a bank account. I was eager to build good credit since I had filed bankruptcy just a couple years before.
Unfortunately, my ex-husband had severe substance abuse problems he was able to hide from me for some time. He used our shared credit card to purchase all kinds of random things in trade to his drug dealers, and also took out loans (I don’t know how with my credit) in my name right before our divorce.
Now, he is in jail and I am left with the damage. I cannot afford to repay the debt while paying my mortgage. I also don’t think I’ll be able to file for bankruptcy because I did it so recently.
Do you think I should try and pursue a civil case against my ex-husband to try and rid myself of the debt I did not rack up?
At the very least you should report the identity theft. See Identity Theft Fraud Victims, Here’s Everything You Ever Need to Know to Fix the Mess.
If you report these fraudulent accounts ASAP you may not be responsible for them.
On the joint debt you are jointly responsible for the debt. You did not mention how much that debt was.
If you had to get legal protection from your creditors, you could file a chapter 13 bankruptcy and make payments in that plan while keeping your house.
You can click here to find a local bankruptcy attorney and talk to them for free about your specific situation. Get the facts and then you can make an informed and educated decision if bankruptcy is right for you.
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