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-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I can't -- better than I deserve what's up.
I can't I am calling and calling -- years is being divorce now after getting married for almost eleven years.
And in the envoy for.
-- split up pick that play any deployed and I just found out now that my ex husband -- -- -- -- and it.
Two of the credit card that he claimed thinker he and that he McCain it is linked to my name -- and I'm wondering.
And they coming after me you hate these kind of heard how my -- that had a thing.
You are you completely reliable.
-- they will come after you how much do you go on them.
That one is a little over 4001.
Is a little over 2000.
Content and he has not paid on them and sometimes.
You know it I.
I'm I pulled my credit report and -- they're both -- ninety days past.
Scale and it's damaged her credit yeah.
You have any money.
I'm well I just paid off all of my dad so I was thinking I was that -- -- And you know I mean I I have my emergency fund and the -- -- -- thousand dollars.
And am working this time in building up -- three to six -- I'm actually in your at this rate now ten.
-- -- -- -- Well I would counties is -- and I would try to settle on them for you or pork portion.
And you know here's what I would -- number one let's understand the reality reality is is that your divorce decree.
Does not have the power to remove your liability on a contract a debt.
And you're on a contract with the credit card company when you take -- credit card that has your name on it that you put your name on -- you signed that contract.
And so the divorce decree does not have the power supersede that contract.
The -- you are still liable now that's the technical side.
The practical side is that your husband's already filed my ex husbands are -- file bankruptcy.
They've not gotten money in ninety days so the credit card company over there is looking at the probability of actually collecting from you is starting to look pretty slim.
So there are so to speak kinda worried.
Statistically speaking they don't get money in these situations very often so I would use that to my advantage.
And then what I would do honestly -- play a little bit dumb even though I just told you -- -- And I would take your divorce decree.
And send it to them inside but the judge.
Said I don't know the Miami Heat.
And let -- sell what you do all the money I don't know but I had no idea I mean I don't understand how.
How continue you know -- just why and and moan.
And cry and carry on a kind.
And you know 'cause I never saw this coming -- mean I -- I didn't know it and here comes out of left field and I think files bankruptcy -- jerked him.
And while a lot of people on the other hand even a credit card collector you might get somewhere with them and I would off from about a quarter on the dollar.
Okay if if it's a 2000 dollar bet on -- from about 5600 bucks for your portion of the debt like it always go after him for his portion however he's gonna file bankruptcy.
But get your name on you don't say -- and get it in writing you know from Marc Klaas.
Always settle a debt in -- riding in never give them electronic access your checking account.
So try to -- -- about a quarter on the dollar if you can do that then we can settle 6000 dollars for about 15100 bucks.
And I can see you working through that pretty quick.
-- -- -- is twice that much you can probably settle it for fifty cents on the dollar I'm almost sure.
Somewhere -- there and if they don't settle right now let -- sit awhile.
Okay don't start paying a minimum and you luck with them.
-- -- Noonan Noonan Noonan who don't pick them up and run with a now -- understand every month it goes delinquent in danger credit though.
-- -- -- -- -- Point is not gonna.
More no big deal -- great Andre that's that's exactly the way I would do it them absolutely the way I would do it just let him run.
And try to negotiate with them if they don't -- a good -- so month -- -- -- -- negotiate with a man.
Again and you know every time someone new copy the divorce decree says he's supposed to be liable -- Cash outside that I got out of this and that's going back in just whining carry out you know we've had some success with that give it a shot.
And you are technically liable they can technically drive this thing all the way home.
But hunt anytime you're going -- credit card they'll settle with you but in this case I got a lot of other reasons to settle what you do.
Because statistically when the X-Files BK the father of the spouse isn't is liable but -- didn't think they were on the on the divorce -- them --
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