Is there any way that I can separate my credit from my ex-husbands?

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Is there any way that I can separate my credit from my ex-husbands?

I am recently divorced and I have a mortgage with my ex-husband on his home. He is currently living there and has been late paying the mortgage quite a bit. This of course is adversely affecting my credit. I have had 3 credit card accounts closed and 1 credit card account limit lowered (on accounts that are in good standing that are in my name only) because of his late payments. Is there any thing I can do about this?

Asked on July 19, 2010 under Bankruptcy Law, Virginia

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

I hate to answer a question with a question but what does your divorce settlement say?  You say that he is living in "his home" and your name is on the mortgage.  The ex marital home?  And he got it in the divorce?  was he supposed to refinance?  Did he?  Probably did not qualify.  Now what can you do?  Does your agreement state anything? The only way that you are going to be truly separated financially is to get your name off the mortgage and then start to rebuild our credit.  Read your papers or call your attorney and ask him or her what plan "B" is in this scenario.  Good luck.


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