What is the name of your state (only U.S. law)?
When my ex and I divorced we had a line of credit in both our names. When going through a divorce we explained we wanted new accounts, and that I (the ex wife) would take the balance of our joint line of credit to my new account which also was a line of credit. We thought this happened correctly for years. 6 years later I ran into financial hardship and used a debt settlement program. After a missed payment on my line of credit, it showed up on my ex husbands credit report. All these years, he was not on my statements, not shown as a cosigner on my credit report nor his. This does not seem legal. And now this has caused a hardship for my ex and bad blood between us. The bank told us that they transferred the balance to my account but kept him on as a cosigner. When I asked for a copy of the promissory note, it has our joint account number, not my account number. This seems very shady to me and illegal. Any advice would be appreciated. Thanks.