Legal Question in Credit and Debt Law in Florida

Credit inquiry

I got divorced last July 2006. I took my credit card debt, and my

ex-husband took his. I was told that all the cards he took

responsibility for were only in his name. I looked at my credit score and it says that I'm a

joint on two credit cards and my name is still on a bank loan, which is only

in my name, he was to change to his. This adds up to

about $12,000. I called the credit card companies and they said that the only

way my name can come off is if the cards are paid off. I'm trying to get a loan and I

can't because they say I have too much debt. I paid off all MY

debt(car,credit cards and a bank loan) that I was supposed to for the

seperation agreement. Therefore my credit report should say that I have $0

in debt. Is there a way I can make him take my name off these

joint accounts? I didn't give him permission to put my name on anything

and I want these debts taken off of my name since they are his in the

seperation agreement. I believe that I have a right to have my name

taken off the accounts since we are no longer together and the divorce

papers say that he's the one responsible for them. Should I take this

matter to a lawyer? What kind of lawyer would I need?


Asked on 3/27/07, 7:20 pm

1 Answer from Attorneys
Barry Kaufman The Law Office of Barry W. Kaufman

Re: Credit inquiry

Your separation agreement is not binding on your creditors, because the creditors were (are) not a party to your divorce action. The creditors are under no obligation to remove your name as a joint account holder at your request, nor at your ex-H's request, unless your name was added to the accounts fraudulently. If there is fraud involved, that changes things, but it is difficult to prove fraud in marriage situations.

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Answered on 3/28/07, 8:58 am


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