My ex filed for bankruptcy. She still had a bank checking account open with me as a user.Will this effect me?
474303
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.
1162754
He should file now and you two start out fresh.  Keep separate accounts for now and both try to build up credit.  My husband had debt from previous marriage and it will effect you also.  Anything that shows up on his credit will affect you when you try to buy a house or both signatures are needed to make a big purchase such as a car.  Doesn't matter when it occurred.  I had to pay off my husbands utility bill from a previous marriage before the electricity could be turned on in our new place.
796474
The state rules generally apply to what your exemptions are...or what you are allowed to protect after you file for bankruptcy.  \n\nYou still have to follow the general US bankruptcy laws.  If your income is high you won't qualify for chapter 7, and will have to repay a portion of the debts.
580779
YES.\nI owned a home with my ex and I had to refinance and he had to sign a "Quit Claim Deed" which basically allowed me to re-finance without him.  If you do not refinance, then your current lender still thinks you both owe them regardless of your marital status.
664804
They will not discharge your bankruptcy until you do so.  The judge/trustee will dismiss it and collection procedures will begin again by your creditors.
827585
Only if they've levied a tax lien.If the IRS have not reported this to your credit bureaus by way of a lien,then no.If they have issued a lien that can even effect your bank account.Unpaid tax liens stay on your reports longer than even bankruptcy.Unpaid tax liens are up to 15 years where as most debts are only 7.If you do settle the lien make sure you get copies of all three of your bureau reports and dispute them,as the creditor doesn't always remove them.\nhttp://finance.yahoo.com/creditreports
356579
Usually one bad check will not be a problem however if you get a lot of them they can close your account and you may have trouble opening another account for up to five years.
611202
From now on,for your own good,you really need to stop taking checks, nowadays, even a grocery store is equipped with a check system that will instantly check if the check is either good for the money it's written for or not.\nNowadays, paper checks are a thing of the past, You can take a paper check and convert it into an electronic check and instantly take the money if it was truely there.\nIf someone wants to write you a check, don't take it, instead, say that you only accept cash or credit card. If the person is able to write a check, wouldn't you agree that they can easily give you the money instead?\nI feel very bad for you to be honest, I know how you feel, you must feel rather helpless, but BUT-There are steps you can take to remedy this, I don't know how much effort you want to put towards this, but this is going to take a little....\nHow much info did you get out of this person, If you have her first and last name, you can always try to do a person search, you can go to the check writers bank and ask them if they can give you her new address, you can call the operator and ask for her new phone number, you can do a credit and history search, perhaps giving her about 6 months to settle down before pulling out her credit history search. That is probably your best bet. A credit search might cost $40 dollars or less, but when you have her address and a little complaint served to her, you can bet your buttered buns that you can recover that and some punitive damages and INTEREST.\nYou can also print out every Email and IM attempt you have made to contact her and you can present that to court of course it will be in your favor.\nHave you tried resubmitting the check to her bank? You should also try that.\nYou can also contact me and I can help you out a bit more.\nPlease contact me at betsaidaus@yahoo.com and I will surely tell you something else you can try!\n\nAnyway, whether or not you contact me, I hope you get your money back!
540123
Yes, but it will take a very long time before there is an effect.  You might want to look up Credit experts:\nDonna Fox and Stephen Snyder. Remember ALL of your collection accounts together must ALL Be paid off before there will ever be a change in the credit score.\nLiens must not be on the credit record as well as\nJudgments, which do the most damage as well as Chapter 7 Bankruptcy.  Bradley Ross Law in Indiana is a very good\nlaw firm that specializes in repairing credit and has been\nendorsed by Stephen Snyder in his Credit After Bankruptcy\nseminars in the past!
792019
If you are in a Chapter 7 they can take certain things but usually not all your personal belongings. \n\n\nRead this page: \nhttp://www.expert-credit-advice.com/bankruptcy_facts.htm
509464
You have to petition the bankruptcy court.  Check to see if an attorney represent customers like you that also had gift certificates.  This will be in the court documents.  This is worth your time if it was a lot of money, otherwise it is a waste and a lesson learned.
229683
You would be an idiot to be a co-borrower unless you get some benefit from the deal.  A bankruptcy will affect your credit score, and may even remove you from consideration depending on the rules of the loan.
671419
I think it may depend on what state you live in and if kids are in the picture.My ex just took a few things and she was gone,which was her choice.I had to refiance in my name only and she had to sign off.Sometimes whoever wants the house may have to buy the other halves part from them.I guess all in all.... depends on your states laws...
973285
It happened to me too.  Ask around.  Call several banks.  One of them is bound to let you open an account.  It's the branch managers' call.  Sometimes.  After some time passes you shouldn't have a problem.  Besides, lots of people go through life without a checking account.  You can open a savings account.  After you've had an account with a bank for a while they're bound to be more receptive to letting you open a checking account.  You can pay your bills in person with cash or use money orders. This isn't the end of the world.
777334
I see no reason why you should not have their contact information and be able to contact them.  A simple solution would be change your checking account and wait for them to get in contact with you, which I am sure they will do when their next attempt to debit the account fails.
200391
I'd suggest cleaning up your credit.  In loo of that you may need to open a joint checking account to get re-established.  This could be risky for the other person as you could very easily trash their credit if you make any mistakes with the account.
173795
You are actually asking two questions, one related to your credit report and it's effect on your husband, and your liability on your old debts.\n\nThey will still be able to come after you and garnish your wages (NOT your husbands).  So if you have a job you are still in hot water.\n\nIf there is any property in your name only they can go after that.  Property jointly owned or pruchased after you marry can't be touched.  So if you have a car currently in your name, or a home, it can have a lien placed on it.\n\nWhen the collectors find out your new address, they will continue to hound you.  That's easy to solve....read the links I've supplied below and send them a "Cease and Desist" order not to contact you again.\n\nNow the good news.\n\nYour new husband does not inherrit your credit "baggage" once you are married.  Each of you have your own credit history, and unless you make joint purchases it will not effect him at all.\n\nYour husband's good credit can actually help you rebuild your own credit.  He can co-sign on some credit for you, and by making prompt payments you can re-establish yourself. \n\nI'm speaking from first hand experience here.....\n\nWhen my wife got divorced, her ex was supposed to pay a portion of the debts.  He didn't, so the collectors starting calling her up.  They started threatening her, even saying they was going to jail if she didn't pay.  She was so afraid she fled from Florida and came to Michigan, where her family lived.\n\nThen we got married....and the creditors got here new address.  I came home from work and found her crying and scared to death!  She got a collection notice in the mail!\n\nThen she got mad cause I was laughing!\n\nYou see.....what these guys didn't know was....I WAS ARMED!  I knew the law!  And now I was pissed!  In a very short time I had these guys off her case, no more calls or letters. \n\nIn a couple years her credit was spotless, she purchased her own car and had 2 credit cards.  \n\nYou need to just live off your husband's credit for a while.  You are in good shape, everything will work out fine.\n\nJust get ARMED!  Read the links below.