How do I handle this divorce/credit situation?

My divorce was final six months ago, and we split the debts 50/50. Unfortunately, ALL of the debt was in my name because of his poor credit before and during the marriage. The total debt is $60,000, but it’s all on my credit report. All are being paid on now, but several are very past due because he wasn’t paying at first. So now I have 120+ day late payment marks on my credit report. Now I have having horrible trouble getting financed for a car because of this. I have no vehicle because of a bad car accident.
I guess my question is, how do I protect my credit from getting ruined any more? I live in Texas if that helps at all, and so does my ex husband. Do I write the credit bureaus to state he is responsible? The creditors told me they don’t care about my divorce decree, that I am responsible because the debts are in my name only.

Elizabeth Roberts

Elizabeth Roberts

Liz Roberts and her team are continuously providing information to people who are ready to repair their credit and improve their credit score. Also NewHorizon.org team strives to empower the homebased and small business owners by bringing information that can help them to manage and grow their businesses. Let our 24+ years of business finance experience help you to get the financing you need! CONTACT US if need financing for your business.

2 Comments
  1. You may want to check within your state but on the norm there is no such thing as he’s responsible if it’s in your name. Because it’s in your name you have to work at clearing it up. If under the divorce decree it states he’s responsible to pay on these particular debts you may want to go back to the courts or contact your lawyer and discuss with them that he’s not paying on his debts. You will more than likely need to have proof that he’s not paying these bills. This isn’t going to be easy for you but just keep working at it. If at all possible try and work out something with the creditors or work with one of those companies that can help you work on your debts. Best of luck with this.

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