Tackling Credit Card Issues
While separating, it's difficult enough to have to worry about paying for the credit cards, let alone wondering what to do if you are on the card with your spouse as a co-contributor. I don't know if this is something that all states do or just Texas, but if you are an authorized user on your partner's card, then that means that you are able to charge on it, but not responsible for the payments. If you are a co-owner of the credit card, then you are liable for the payments on it as well. After a divorce, I found that even if my ex was responsible for a payment on a credit card and the divorce said he had to pay it and he didn't, the credit card company would not allow what the divorce said and made me pay it because I was a co-owner as well. When my ex and I split up, I had to go to all of my own credit cards and take his name off of them and put a password on my account to make positively sure that no-one else could get my information. I also had to get a free credit report to find out which cards were reporting his credit information on mine as well so I could get all of his credit cards that I was only authorized to use was taken off. Credit cards can be a pain following a divorce, but it can be taken care of.