Where from here?

i now have a "charged off" listing on my credit report as a result of an ex-husband declaring bankruptcy, affecting this joint account. i had no idea of the situation until recently. the account has been sold to First Select. when i contacted First Select to find out more about the situation, they advised they could not discuss the account because of the bankruptcy. i want to clear this up. what do i need to do to now to rectify the situation? and who do i work with, First Select, or the original creditor? i live in Texas.

[JETX]

Was this debt included in the family court order?? Which party was made responsible for it?? It really doesn't matter at this point (for collection), but does matter if it was ordered his debt and you have to pay it. If that is the case, then you can go back to the court for a judgment against him for your paying it, or for a contempt of court order to force him to repay you.

But, back to your issue...
You should contact the original creditor. Give them the details (just to explain the circumstances), then try to negotiate a settlement. Include in your negotiations, that they will give you a a rating of R1 on YOUR history file (who cares what he gets!). Then, after you have made your 'best deal', get it in writing and pay it (or make the payments). Then, after you have paid your "ex's" debt, go after him in court (if appropriate).