What is the name of your state? Kentucky
I'm not sure which of these forums is the best place to post this, but I'll try here first.
My situation is that in the separation agreement and the divorce decree, both of which were signed by the judge, various debts were distributed between my ex-wife and I. Some of the accounts assigned to me were either her accounts or joint accounts and some of the accounts assigned to her were either my accounts or joint accounts.
When I was assigned these accounts, I paid them off immediately so as not to get myself in a situation where I couldn't afford to pay them later on once my child support and maintenance kicked in. Unbeknownst to me, my wife did not do the same and, in fact, went delinquent on two of these accounts which were a mortgage and small line of credit that was closed and in repayment status. The delinquency caused my credit score to plummet and thus disqualified me to obtain a loan that I needed to replace my heat pump.
Thus, I have several questions...first off, what rights do I have to remedy the situation as far as my credit report goes? Are creditors allowed to report this information even though the official decrees claim that I am to be held harmless from such debts and that they are to be properly maintained by my ex-wife? Second, do I have any recourse to go against my ex-wife for any type of contempt of court issues as she didn't uphold her end of the decree? Third, since I don't have money for an attorney, are there any legal aid services available to assist if I do have to go back to court similar to what a custodial parent has for child support non-payment? I've tried the regular legal aid, but they say I make too much money because I make about 65K per year...even though I only take home $1,400 take home pay each month.
Thanks so much for anyone's assistance.
I'm not sure which of these forums is the best place to post this, but I'll try here first.
My situation is that in the separation agreement and the divorce decree, both of which were signed by the judge, various debts were distributed between my ex-wife and I. Some of the accounts assigned to me were either her accounts or joint accounts and some of the accounts assigned to her were either my accounts or joint accounts.
When I was assigned these accounts, I paid them off immediately so as not to get myself in a situation where I couldn't afford to pay them later on once my child support and maintenance kicked in. Unbeknownst to me, my wife did not do the same and, in fact, went delinquent on two of these accounts which were a mortgage and small line of credit that was closed and in repayment status. The delinquency caused my credit score to plummet and thus disqualified me to obtain a loan that I needed to replace my heat pump.
Thus, I have several questions...first off, what rights do I have to remedy the situation as far as my credit report goes? Are creditors allowed to report this information even though the official decrees claim that I am to be held harmless from such debts and that they are to be properly maintained by my ex-wife? Second, do I have any recourse to go against my ex-wife for any type of contempt of court issues as she didn't uphold her end of the decree? Third, since I don't have money for an attorney, are there any legal aid services available to assist if I do have to go back to court similar to what a custodial parent has for child support non-payment? I've tried the regular legal aid, but they say I make too much money because I make about 65K per year...even though I only take home $1,400 take home pay each month.
Thanks so much for anyone's assistance.
