Legal Question in Credit and Debt Law in California

help me get my name off a joint card

This Credit Card issue where i am the primary on the card. the secondary was a friend of mine. in october 95, i helped her out by opening a joint account with her so she could build up her credit. i never made charges on this card, ever. it was agreed that she would open up her own credit card after hersecured credit card went thru. i was done with college and moved to another city. 5 years later i buy a car and discover that the card is still open and there is a balance of 14 K on the card. credit card company will not allow me to remove my name from the credit card. i try to locate this person, discover she has moved to texas. i want my name off the card and i want her to take responsibilites for the charges she made. what should i do?!?


Asked on 7/08/01, 1:55 pm

1 Answer from Attorneys
Roy Hoffman Law Offices of Roy A. Hoffman

Re: help me get my name off a joint card

You should first tell the credit card company that you want the account closed immediately, and that from this time on you will not accept responsibility for any charges. This notification should be in writing, and sent to the credit card company by either regisrtered or certified mail, return receipt requested. Unfortunately, anything that has occurred previously will remain your responsibility as between you and the credit card company (i.e., you will still owe the $14,000.00 to the credit card company).

Next, you will have to sue your friend (probably in a Texas court) to recover a judgment for the money you will be responsible to pay the credit card company.

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Answered on 7/09/01, 1:53 pm


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