JL- never notified by courts

[loopy]

What is the name of your state? Ohio

I went to my bank yesterday to apply for a loan to purchase a home. I rec'd a credit report from the loan officer which contained info re: a car loan. Car loan co-signed in 1996. Filed for Divorce and finalized on 1/10/97. Ex-spouse did not show up for divorce hearing.He also maintained ownership of car. 8/99 car was repossessed. My credit report shows Civil Judgement against my ex-spouse primarily and I am listed secondary. I have never been notified and as I look on the county webiste for civil suits, ex-spouse has been notified of collection, judgements for interest, etc on the debt for several years.

Am I responsible to pay for a debt although I did not maintain ownership after the divorce?
What steps can I take to remove this debt from my name?
What else can I do in order to not be financially response?

[seniorjudge]

Originally Posted by loopy

What is the name of your state? Ohio

I went to my bank yesterday to apply for a loan to purchase a home. I rec'd a credit report from the loan officer which contained info re: a car loan. Car loan co-signed in 1996. Filed for Divorce and finalized on 1/10/97. Ex-spouse did not show up for divorce hearing.He also maintained ownership of car. 8/99 car was repossessed. My credit report shows Civil Judgement against my ex-spouse primarily and I am listed secondary. I have never been notified and as I look on the county webiste for civil suits, ex-spouse has been notified of collection, judgements for interest, etc on the debt for several years.

Am I responsible to pay for a debt although I did not maintain ownership after the divorce?
What steps can I take to remove this debt from my name?
What else can I do in order to not be financially response?

Q: Am I responsible to pay for a debt although I did not maintain ownership after the divorce?

A: Yes; the lender was not a party to your lawsuit and is thus unaffected by the judgment.


Q: What steps can I take to remove this debt from my name?

A: Pay it off.

[loopy]

thanks for the response.

[seniorjudge]

Originally Posted by loopy

thanks for the response.

One more thing: if you go look at the file at the courthouse, I will bet you that you were notified and the notification went to a prior address (probably even to your ex).

This is a common happening.

[ecmst12]

If she pays off the debt can she sue her ex for the amount? Or does the fact that she co-signed for the loan mean she is SOL?

[debtcollector`]

Originally Posted by ecmst12

If she pays off the debt can she sue her ex for the amount? Or does the fact that she co-signed for the loan mean she is SOL?

If her divorce decree assigned the debt to her ex and he didn't pay it, then yes she should talk to her divorce attorney about seeking compansation back from her ex.

But, if he can't pay the bill to the creditor, what makes you think he'll be able to pay her?

[ecmst12]

Well I was assuming the situation was more that the ex WON'T pay rather then CAN'T. And this happened in '99 so maybe he's in better financial shape now.