I had 4 credit card debts, each approx 5000.00.
I went through a divorce and the debt was awarded to my ex-husband.
However my name was on 3 of them. They tell me I’m still liable. The late charges and interest rates soared. I tried working with them but only Discover lowered their interest and agreed to accept small payments. The other 3 have been turned over to collection agencies, my credit has been damaged, and they hound me constantly. My income is very part-time and unreliable. Can you help me and advise what steps to take to remedy this situation?
Yes, you are liable. The agreement for your husband to pay as part of the divorce was an agreement between you and your ex. It had no authority or ability to change your contractual obligation between you and your creditors. You can divorce your spouse, not your creditors.
Unfortunately your situation is not unusual. It sadly happens all the time.
If you are unable to either take your ex back to court and attempt to have the court make him pay you may want to consider bankruptcy to terminate the debts that are your responsibility but beyond your ability to handle. If you want, you can click here to find a local bankruptcy attorney.