The account was in her name. I never filed for bankruptcy. This is 4 years after the divorce. She had added me as a user. There is 280.00 owed to the overdraft protection. The bank sent me a letter stating the account was closed due to the bancruptcy filed by her. Will this show on my credit?
215243
There is so much more to this story. But if you are divorced she has no legal right to add you to the account and you are not responsible. In fact if you had nothing to do with it, it is a felony. Talk to her bank and ask them how you were added without your signature. Get anything you can in writing such as what was spent on the account and write down who you talked to and when. Sounds harsh but you don't really want to have this effect your credit do you? It will and be a huge hassle later if you are not proactive.
287482
If it's a joint account, she has just as much right to the money in there as you do.  Sorry, but you're stuck.  She doesn't need your authorization.\n\nFirst thing to do:  close the joint account, and open an individual one -- if you're divorced, there's no reason (and as you've found out, lots of downsides) to have a joint account.  Get any other assets that are in both of your names settled and put in either your name or hers (don't violate your divorce agreement in so doing!).  Once you've taken the steps to eliminate any joint assets, only then can you go after her if she uses some of your assets without your permission (but she shouldn't be able to do so anymore...).  Good luck.
453812
Actual a debit card is linked to a checking account.  If the checking account has overdraft protection.  It will use this.  \n\nNow if the checking account has no overdraft protection. They should of denied all of your transaction after the 1st time you account went into the negative.  \n\nHowever,  I would go into the bank an explain what happen.  They might be able to help you get back and remove it from the collection agency.   They should not charge you 600 in overdrafts and fees.   \n\nI would dispute the fees owed.  The bank sent it directly to a collection agency without contacting you first.   Most banks will contact your first and give you 30 days to pay it back.\n\nGas stations do put big holds on them.  \n\nBanks are supposed to wait till the transactions hard post before applying an overdraft charge.  Some don't.   This could be illegal.\n\nhuman_we_are is incorrect.   Try to discuss this with your bank before just paying the fee blindly.
497671
Yes, she is in breach of contract.  You need to speak to a lawyer about this.  You should also have her arrested for fraud.  Giving your address and phone number is illegal.  The collection companies could press charges against her.  Talk to your family attorney regarding this matter.  A judge can force her to abide by her divorce decree.
449276
You are correct, if the list of creditors included those account numbers then those debts are legally discharged.  Get a copy of her chapter 7 petition and list of creditors to verify the debts were listed.
50731
as long as you havw some kind of bank statements showing the amount in the account at the time she closed it out and you explain to the judge what happened you will be ordered 1/2 of that amount. exception unless she can show that all of the monies went to house hold expenses. hope you keep all of your reciepts   gino x-cop
119524
Would have been helpful if you would have provided the check amount.  Another way to deal with this, is to take the person to small claims court.  Along with the criminal side, you will get a judgement, which affects a bad credit rating as well. \nAgain, the amount the check was written for would be the determining factor.
413069
This is a sticky situation. First, I'm going to assume that your husband was on the original note and mortgage with his prior wife, therefore, he is obligated to make those payments when she does not, regardless of the divorce decree. It's crummy, I know. Sure, she can be held in contempt, but that really doesn't help you and your hubby out. My suggestion is this: Call the mortgage company that holds the note. Or rather, have your husband called. As he is on the note, he has a right to access any of the information. Have him explain the situation to the mortgage broker and find out what help they can offer him. Next, find an attorney that will sit down with you and find out what they suggest you do legally with the ex-wife. \n\nI can relate, as my divorce attorney suggested that all I needed to do was sign a quit claim deed to "remove" myself from the property. Luckily, working in the industry, I did know better, but it really bothers me that this is so common. Please keep us posted, I'll keep you and your hubby in my thoughts in the hopes that this works out for you.
91752
You can dispute it through all three credit bureaus and also contact the bankruptcy trustee and let them know. They can help you also.
599147
File the report!  Be upfront and honest!  Why would anything come back to you.  Avoiding it will make it look like you did something wrong.  \n\nClose out your account.  Talk to the bank manager and explain what is going on. Usually they will not charge overdraft fees if any apply.  They will be able to look and see where the purchases were made and hopefully stop this lady.  Call TODAY!  and get it taken care of.
549088
I've read many of Debt Guru's answers in the past and they usually are fairly decent.  But this one I have to comment on.  It's very self-serving and borders on spam.  I don't suppose you are the owner/employee of this company, are you?\n\nTelling people not to file because it "stays on your public record the rest of your life" is the exact sort of scare tactic nonsense that collection agencies tell you.  Yes, the statement is true, but very few creditors go through the trouble of referencing bankruptcy records, and depend more on credit reports.  BK filings drop off credit reports after 10 years.  You know that!  So why are you passing on this sort of advice, other then scare people enough to do business with you?\n\nOne more reason why people need to look carefully at these "credit repair" companies.\n\nTo answer your question, it really depends on how much debt you are in.  You need to look at your individual situation and see if it's the right thing to do.  A bankruptcy attorney will give you an hour of free advice, so call around and do some research.  NEVER file a BK on your own.
43136
From what you say she wasn't in much of a friend.  I don't believe she can sue you for twice what the debt is.  Hang on to your receipt so you can prove you paid her.  The judge should dismiss this case.
379565
She can't legally hold your belongings, but it sounds like you owe her money even if nothing was in your name.  Pay up and be a grown up and then get your crap outta there.
672779
I agree with spade_2nite, something doesn't sound right if they are contacting you for payment - if they had recieved a judgment.\n\n\nContact your county court clerk and ask if there is a judgment or a suit filed in your name. (You can also go to the clerks office and request to see your file.)\n\nIf there is no judgment or pending suit filed, that company is violating your rights. If that is the case - speak with an attorney immediately!!!\n \nIf there is a judgment filed and you had been properly served, check your state statutes for the exemptions in your state.\nFor example -  exemptions "may" mean that they cannot garnish your wages, take your car, take funds from your bank account etc. It all depends on "your" states exemption laws. \n\nAfter you check with your county court clerk and find that there is or is not a judgment against you, it may be best to speak with an attorney. There are many attorneys that will give a free first consult   \n\nAlso, I would suggest purchasing a tape recorder and the next time they call, tell them that you are recording the call. Some states allow you to tape without informing the other party that you are taping, you would have to check your state laws on that. But, if you cannot find your states laws on taping, then be sure to inform them you are taping when they call.  \n\nTell them that recieving phone calls at your home and place of employment is inconvenient for you and that you are requesting they contact you by the U.S. postal service only - be sure to have that on tape. By law, if you tell them to cease calling - they are "required" to stop calling.\n\nIf there is a judgment against you, filing for bankruptcy may not be the wisest thing to do - depending on the dollar amount of the judgment and your other debts. \n\n\nI have included a link so you can check your states rules of service
235905
First of all he violated court orders. Talk to your attorney about reporting that and taking his fool butt back to court. \n\nSecond, you need to take copies of those court papers to the bank and deliver them to who ever is in charge of the debt. Since you have these, you are not liable for the debt. If they continue to bother you, you may need to get your attorney involved to shut them up. Best of luck.\n\nAdded: Be sure to add court costs to any suit you bring against your ex or the bank. That should help reduce your own costs. Heck, just sue the ex for any costs you incure due to his lack of action on those court orders. Take care.
63533
Less the laws are different there, as long as you are making the payments they will not take it.  Pretty much all they care about is getting their money.  But when a spouse or ex spouse files bankruptcy any debt will fall on the party that did not file bankruptcy.  So bascially he made it where you have no choice but to pay it or ruin your own credit even more.  Now keep in mind girly i am not a lawyer, but i have enough friends who one of them filed bankruptcy and not the other and that is how it worked. Seems the way most ex's like to get revenge is to file bankruptcy and lay all depts off on the other person.  You might want to double check, but i think most bankruptcy laws are the same across the US
609670
THIS IS SOOO IRRITATING.....I had a checking and "share" acct (with a $25 balance) at Credit Union, and ATM transaction overdrew the acct by $1.45. Silly me, had already opened up another acct at different bank so I figured I would let those accts sit a couple of weeks and close them out. WRONG, when I finally opened up a statement  I was in shock that the share acct was still there but the checking now had a balance of -$386.00! Now I thought that when you try to get more money then is available, the ATM transaction should decline, WRONG AGAIN, (oh did I mention I worked at a bank for 4 yrs :(). Got as far as you did at the branch and left more irritated then before, two days later the Sheriff shows up to serve me with Court Papers. I go to the bank because I can't afford to miss work at this point and ask the girl at the counter "after transferring the $25 from the share account, what do I need to pay?" She has me write a check for $350 + dollars, and says the accts are closed. End of story....nah...I get a call 2 days later from the branch manager saying that if I don't make the 50 mile trip by the end of business day to pay the additional $43 in fees, the teller left out, I would be in contempt of court............\n\nOpen a new account quick and hope the bank burns down. Keep your chin up :)