Joint Account-19k cc debt--husband left country--is wife stuck

[debtfree]

What is the name of your state (only U.S. law)? NY
Someone I know has a joint CC account with 19k of debt. The husband left the country
3 years ago--she has to go to the husbands relative to get the statements--as this is the address used by the CC company--she pays high interest--and the card is current--although she would like to do something bvetter--but the husband is not around to sign anything---like cosign a DMP agreement.
Does she have any other options?

[seniorjudge]

Originally Posted by debtfree

What is the name of your state (only U.S. law)? NY
Someone I know has a joint CC account with 19k of debt. The husband left the country
3 years ago--she has to go to the husbands relative to get the statements--as this is the address used by the CC company--she pays high interest--and the card is current--although she would like to do something bvetter--but the husband is not around to sign anything---like cosign a DMP agreement.
Does she have any other options?

[url]http://forum.freeadvice.com/debt-collections-84/late-ask-how-debt-calculated-after-answering-complaint-434885.html[/url]

Keep all your questions in the first thread you started on this subject.

[debtfree]

So sorry--but I think this is my first post on this subject--

[seniorjudge]

Her options:

Pay the debt

or

Get a judgment against her.

[debtfree]

I do not think you understand--she has the problem---and is the one paying the debt which her husband generated through use of there joint card. He is out of the country--
She cannot enroll in a DMP because she needs his signature... So, what other options may there be--and, there are always other options.

[seniorjudge]

Originally Posted by debtfree

I do not think you understand--she has the problem---and is the one paying the debt which her husband generated through use of there joint card. He is out of the country--
She cannot enroll in a DMP because she needs his signature... So, what other options may there be--and, there are always other options.

She can fall for any kind of scam she wants to with or without her husband.

My answers were correct.

[debtfree]

Hopefully, someone who is more rational will answer this post.

[debtcollector`]

What the hell is a DMP?

Her options are simple: Pay the bill or risk a judgment.

DC

[seniorjudge]

Originally Posted by debtcollector`

What the hell is a DMP?

Her options are simple: Pay the bill or risk a judgment.

DC

Debt management program.

In other words...scam.

OP take the money you'd pay one of these hucksters and apply it to your debt.

[PhlawedPharmacy]

I'd also suggest having her change the billing address to make things more convenient for her.

[debtcollector`]

Originally Posted by seniorjudge

Debt management program.

In other words...scam.

OP take the money you'd pay one of these hucksters and apply it to your debt.

Yup. As a collector, I can tell you for a fact: The debtor loses payment options when I find out they are paying someone for a program like that.

Once you enter a debt management plan or a debt settlement program I know that bankruptcy is 12 to 18 months away. So, I want my money now. Let the other creditors get screwed. Balance in full with a max of six payments or the accounts goes to legal. No exceptions.

DC