reciept for credit card charges

Wisconsin. Divorced spouse 5 years ago. Spouse charged up a joint credit card account which was to be deactivated after divorce. The collection agency, thier law office, and the original creditor won't send me any list of charges with the date. This has been going on for 18 months plus they have ruined my credit report.

Is there any legal means I can force them to send me a copy of the credit card charges with the date on them?

[Ladynred]

Yes, send them a validation demand letter. Proper validation inlcudes a FULL ACCOUNTING of the debt, from day one, so you can have proof and verify the amount they are alleging you owe.

You can find great info on the validation process at [url]www.creditinfocenter.com,[/url] with sample letters to use as well.

Am I liable for charges to a joint credit card account made after our divorce?

[Ladynred]

Unfortunately, as long as your name in on that account, the cc company will come after YOU for the money. Divorce decrees mean NOTHING to creditors.

Even if the bills went to a different address. I didn't know about the charges or the fact that my name was still on the account until the collection agency came after me.

By the way thanx for all the info.

[JETX]

Ladynred is correct. Your divorce order splitting debts or assigning responsibility means nothing to the creditor.

When the application was submitted in both names, the credit was granted to both of you based on your combined information (salaries, etc.). The fact that you are no longer married does not waive your joint financial obligation to that creditor. The only way for you to be released is for the account to be paid and closed in writing.

As for any payments ('damages') you incur on the account AFTER the divorce, you can take legal action against her to recover those damages. You can either start another lawsuit, or return to the original family court to compel her compliance.