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I’m in the Process of a Divorce. He is Supposed to Pay My Credit Card Bill. – Becca

Becca

“Dear Steve,

My husband and I are in the process of a divorce. I have a credit card in my name only that has a a large amount of debt on it. In our divorce settlement he is accepting 80% of this debt responsibility (he knows it is his fault it is on there). What is the best way for this to get completely out of my name as I know how he is with money and I don’t want my credit ruined. Right now we both have great scores.

How do I get the debt my husband is accepting responsibility for out of my name?

Becca”

Dear Becca,

The answer is, you don’t.

When you divorce your spouse you don’t divorce your creditors. The only way for him to get his name off the account would be for him to get a new loan and pay off the old card.

A creditor is not going to let a responsible party of a bill with a balance.

Divorce situations frequently don’t turn out all that well when one spouse is supposed to pay the credit card bill of the other. The divorce agreement often creates a bitter pill to swallow for the spouse that is now supposed to pay and payments arrive late or not at all. Then what I see is the spouse that was supposed to pay it, goes bankrupt, and in your case the entire balance will land on you.

My advice is to monitor your credit card online to make sure the payment was received as expected. If you can, setup email alerts from your credit card company to notify you of a bill due so you can monitor it.

Sincerly,
Steve

You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

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.

4 Comments

  • You are going to take him back to court to enforce the agreement. Please contact your divorce attorney for assistance.

  • I have a divorce decree stating my ex is responsible for a certain % of child expenses (not monthly child support) such as medical, school, auto, etc. He has failed to pay. How do I get a garnishment?

  • I have a divorce decree stating my ex is responsible for a certain % of child expenses (not monthly child support) such as medical, school, auto, etc. He has failed to pay. How do I get a garnishment?

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