Latest Posts
Home > Ask The Get Out of Debt Experts > My Ex-Husband Was Supposed to Pay Some Debts But They Are Coming After Me. – Kate

My Ex-Husband Was Supposed to Pay Some Debts But They Are Coming After Me. – Kate

“Dear Steve,

I went through a divorce in which I cold not get my name off of the mortgage. My ex husband said he wanted to continue living in our house, so I moved out. Several years later, he let the house go ino foreclosure. I was so upset and disgusted over this that I stopped paying back other bills too. (most of my credit card debt was accumulated when we were married–wedding, honeymoon, furniture, etc…)

I am now being taken to court by a creditor I owe about $3,000 dollars. I have the money, but… I am so concerned that my credit score is forever doomed, so I would rather save the little bit of money I have. I know, crazy and irresponsible, but I am bitter that my ex filed for bankruptcy so he’s not paying back any of this. The house is under water big time, so I don’t want it.

What should I do? Can my wages be garnished? Can I file for bankruptcy? (I live in MD and make $65,000/yr)



Dear Kate,

So the current debt you are being sued for is not the only looming debt.

I’m going to be blunt and to the point. You most likely need to file bankruptcy to deal with the old debt that is rolling downhill towards you before it all hits you and crushes you.

It is not uncommon for a divorce to be followed with a bankruptcy. You take a two income household and divide it into two households, the math just does not work most of the time.

Your credit score is really only doomed if you don’t start accepting responsibility for the situation and taking action.

What will surprise you the most about the bankruptcy experience is how quickly it will right your sinking ship and how it does not have to destroy your credit.

Do not avoid bankruptcy over assumptions and worries. Get the facts.

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.

Bankruptcy Articles and Posts You Must Read

To get ready to read the information below with the right frame of mind, please first read How Do I Get Out of Debt Quickly? Change Your Mindset.

Bankruptcy Advice

Life After Bankruptcy

Filing Bankruptcy Yourself

Please post your responses and follow-up messages to me on this in the comments section below.

Get Out of Debt Free Hotline
debt settlement helpstudent loan help

About Steve Rhode

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.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.


I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.