Ex-Husbands neglect to pay loan

[LynnHoo4]

What is the name of your state (only U.S. law)? Ohio
My now ex-husband, took out a sizeable loan in my name about a year before we separated. At the time our bank accounts were separate and we handled our own bills. He was having financial issues and said that he might be able to get a loan to pay off several debts but also might need to get it in my name. Using his computer, his email and his bank account, proceeded to go forward with a loan in my name once he was approved. I did not get access to these funds or how to spend them and it was all online and I did not sign any documents. About 6 months prior to my leaving I start getting calls about payment. I found out that he stopped making payments and told me he couldn't afford to pay it back. In the divorce I wanted him to take responsibility for it and he said that it was in my name and he was not going to have anything to do with it. It now shows on my credit report as a charge-off bad debt. The amount is just under $19,000. Is there anything that I can do to make him legally take responsibility for this and pay it? I want it off of my credit as he has done enough damage and it is keeping me from being able to move forward.
Thank You

 

[Zigner]

What is the name of your state (only U.S. law)? Ohio
My now ex-husband, took out a sizeable loan in my name about a year before we separated. At the time our bank accounts were separate and we handled our own bills. He was having financial issues and said that he might be able to get a loan to pay off several debts but also might need to get it in my name. Using his computer, his email and his bank account, proceeded to go forward with a loan in my name once he was approved. I did not get access to these funds or how to spend them and it was all online and I did not sign any documents. About 6 months prior to my leaving I start getting calls about payment. I found out that he stopped making payments and told me he couldn't afford to pay it back. In the divorce I wanted him to take responsibility for it and he said that it was in my name and he was not going to have anything to do with it. It now shows on my credit report as a charge-off bad debt. The amount is just under $19,000. Is there anything that I can do to make him legally take responsibility for this and pay it? I want it off of my credit as he has done enough damage and it is keeping me from being able to move forward.
Thank You

Apparently, the matter was settled in the divorce. You don't get to go back and take another bite at that apple. It's your debt.

 

[PayrollHRGuy]

What is the name of your state (only U.S. law)? Ohio
In the divorce I wanted him to take responsibility for it and he said that it was in my name and he was not going to have anything to do with it.

And how did a judge respond to that?

 

[Zigner]

And how did a judge respond to that?

I'm assuming that the debt was confirmed to the OP in the divorce...otherwise, the question would be how she could force him to abide by the divorce decree.

 

[not2cleverRed]

And how did a judge respond to that?

I suspect that OP went for a quick, non-contested divorce, thinking she would cut her losses.

Of course, she could have incurred over $20K in legal fees if her husband balked at doing things her way. So maybe it's overall a wash. Oh, wait, except for, even after she realized he wasn't paying, and it was in her name, she didn't try taking over the payments herself. (Slight sarcasm intended.)

 

[LynnHoo4]

Lack of Knowledge

Unfortunately I took the advice of my divorce attorney and she said to get the divorce settled as quickly as possible so he could not continue to rack up debt in my name. She said that the most I could do in the divorce was probably to make him take half because the debt was incurred while married. I explained all of this to the attorney who did not fully communicate this to the judge. Guess I am screwed because I married a jerk and he is now all free and clear as he just filed bankruptcy last month to clear all his debts. I just wanted to make sure that there was nothing else I could do.
Thank you all, I do appreciate your help.

 

[PayrollHRGuy]

Lynn, I think you have a firm grasp of the situation.

 

[latigo]

What is the name of your state (only U.S. law)? Ohio
My now ex-husband, took out a sizeable loan in my name about a year before we separated. At the time our bank accounts were separate and we handled our own bills. He was having financial issues and said that he might be able to get a loan to pay off several debts but also might need to get it in my name. Using his computer, his email and his bank account, proceeded to go forward with a loan in my name once he was approved. I did not get access to these funds or how to spend them and it was all online and I did not sign any documents. About 6 months prior to my leaving I start getting calls about payment. I found out that he stopped making payments and told me he couldn't afford to pay it back. In the divorce I wanted him to take responsibility for it and he said that it was in my name and he was not going to have anything to do with it. It now shows on my credit report as a charge-off bad debt. The amount is just under $19,000. Is there anything that I can do to make him legally take responsibility for this and pay it? I want it off of my credit as he has done enough damage and it is keeping me from being able to move forward.
Thank You

Well, what happened to the loan in the divorce?

Sounds like all you did was kindly ask him to assume it and then drop it because he refused. But how was it treated in the decree? A marital debt unassigned? Your debt, or what? Was it even mentioned in the decree? And who is the idiot that represented you, as if it isn't obvious.

Anyway, there is something rotten in Denmark because no lending institution is going to make a loan in anyone's name as the obligor without their signature on the loan documents. No friggin' way!

And what assets did you supposedly pledge to secure the loan. Because of you are trying to sell the idea that the bank issued a signature loan for $19K to you as the spouse of a husband that was having "financial issues" nobody is going to buy it. So would you like to start over and tell has what really occurred?