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X-Wife destroying my credit


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Posted by Brad Smith (12.238.244.103) on July 03, 2002 at 17:52:16:

I just found this page and have been reading through some of this. I have been divorced for just over 3 years now. In the divorce papers, it shows the car we bought together was hers .. tax,title,and loan. Now my credit report shows it as a 15k+ charge off. I have not been contacted regarding this loan EVER. Any suggestions ?

Also, I have 2 of the 3 credit reporting agencies showing another joint loan as Chapter 13. My question is, can 1 person of a join loan file chapter 13 without the other consent? And how do I go about getting this off my credit?

I sent letters to the 3 credit agencies, and got one back today saying,

" A divorce decree may not affect your contracts with creditors. You will need to negotiate repayment with each one."

Help ...

Brad Smith


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