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My Soon to Be Ex Neglected to Tell Me He Stopped Paying My Credit Cards. – Marcy

“Dear Steve,

I have 2 credit cards totaling about $13K. I have a judgement against for not paying them for a year. My husband had told me that he was paying the monthly payments as I was on unemployment. He stopped paying and forget to tell me that. I am looking to get these paid off and be rid of all credit cards!

What is the best way to approach Chase Visa and Discover to get my debt reduced as they have frozen my personal bank account for double the amount I owe? Also, how do I stop them from freezing any of my other accounts, such as joint accounts with my husband (soon to be ex)?

Marcy”

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Dear Marcy,

If you can give me a little more information I think I can get you headed in the right direction here and get this behind you. Post the answers to the following questions in the comments.

Are you still unemployed?

Tell me what kind of other debt you have in your name alone and jointly with the soon to be ex.

Once you get divorced, what are your plans for where you will live?

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Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

10 Comments

  • Okay.  I will call them and see.  What can it hurt?  I’ll let you know how it goes.  Thank you very much for your help.

  • If the facts are that your bank account has been frozen, you want to prevent your wages from being garnished, you will need to be able to survive on your income and you want a fresh start; then bankruptcy would make the most logical sense.

    Other that reaching an agreement with the creditor to take their hand out of your bank account and not to garnish upcoming wages, if they can in your state, then you should seek the legal protection of bankruptcy.

  • The cars create a problem. I was hoping you’d be able to proceed with bankruptcy to immediately end the judgment and break the bond of all those debts in order to give you the best chance of starting over. How much are those vehicles worth?

  • I work seasonally, May thru December, usually.  Last year, due to a knee replacement, I was off of work for a year and a half.  This coming December I am hoping to find a year round job that pays equivalent to what I make per hour now.  But, with the market the way it is, who knows?  

    We do have 1 other credit card, that I know of.  It is a Discover to the tune of $14K.  Otherwise, we have a mortgage together.  I am the owner of all four of our vehicles that we owe nothing on.

    I am going to rent an apartment or house for me and my 2 youngest children. 

    There’s also attorney fees to consider.  Wow, sounds like I’m really getting in over my head!

  • I work seasonally, May thru December, usually.  Last year, due to a knee replacement, I was off of work for a year and a half.  This coming December I am hoping to find a year round job that pays equivalent to what I make per hour now.  But, with the market the way it is, who knows?  

    We do have 1 other credit card, that I know of.  It is a Discover to the tune of $14K.  Otherwise, we have a mortgage together.  I am the owner of all four of our vehicles that we owe nothing on.

    I am going to rent an apartment or house for me and my 2 youngest children. 

    There’s also attorney fees to consider.  Wow, sounds like I’m really getting in over my head!  

    • The cars create a problem. I was hoping you’d be able to proceed with bankruptcy to immediately end the judgment and break the bond of all those debts in order to give you the best chance of starting over. How much are those vehicles worth?

        • If the facts are that your bank account has been frozen, you want to prevent your wages from being garnished, you will need to be able to survive on your income and you want a fresh start; then bankruptcy would make the most logical sense.

          Other that reaching an agreement with the creditor to take their hand out of your bank account and not to garnish upcoming wages, if they can in your state, then you should seek the legal protection of bankruptcy.

          • Okay.  I will call them and see.  What can it hurt?  I’ll let you know how it goes.  Thank you very much for your help.

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