Sueing Credit Card Companies

[Michigan Lady]

What is the name of your state? Mich. I am shortly going to be going through a divorce. I have been told that I can possibly be held liable in the divorce for half his credit card debt, approximently $16,000.00, which I did not sign for, or have any knowledge of until collection agencies started to call my house. My "husband" is a gambler and I can prove it. I believe he was taking cash advances out to play, and will suppeona credit card co.'s if I have to for the records. He went bankrupt in 1997, and his work history sucks, I believe credit card co.'s. sent out those "pre-approved" letters, which ask for almost no information, and he started opening up these credit cards in 2000 or 2001. He has not worked since 1999, was home to get mail before me, and I did not see statements coming in. So, in the event I get stuck with 1/2 of these debts, I would like to, inturn, sue the credit card co.'s for that amount, plus attorney fees, court costs and any other damages that I could recover, for not doing the proper research when they issued these cards to him. Obviously, they did not contact any of the 3 biggest credit reporting firms, otherwise, they would have known he was a deadbeat. Anyone ever hear of anyone doing this before????........

 

[You Are Guilty]

What is the name of your state? Mich. I am shortly going to be going through a divorce. I have been told that I can possibly be held liable in the divorce for half his credit card debt, approximently $16,000.00, which I did not sign for, or have any knowledge of until collection agencies started to call my house. My "husband" is a gambler and I can prove it. I believe he was taking cash advances out to play, and will suppeona credit card co.'s if I have to for the records. He went bankrupt in 1997, and his work history sucks, I believe credit card co.'s. sent out those "pre-approved" letters, which ask for almost no information, and he started opening up these credit cards in 2000 or 2001. He has not worked since 1999, was home to get mail before me, and I did not see statements coming in. So, in the event I get stuck with 1/2 of these debts, I would like to, inturn, sue the credit card co.'s for that amount, plus attorney fees, court costs and any other damages that I could recover, for not doing the proper research when they issued these cards to him. Obviously, they did not contact any of the 3 biggest credit reporting firms, otherwise, they would have known he was a deadbeat. Anyone ever hear of anyone doing this before????........

Sure have. The offical term for such people is "retarded".

If you were a joint account holder on any card, you are going to be held responsible for it's balance. On the other hand, of you were only an authorized user, then hubby foots the entire bill. A quick and not always accurate rule of thumb test to determine which type you are is to see whether you signed anything on the credit card application. If you didn't, there's a decent chance you're just an authorized user.

 

[Michigan Lady]

Thanks for your input, however, as previously stated, I DID NOT not sign anything, have never even had one of his credit cards issued to me with my name on it , AND AM NOT EVEN AN AUTHORIZED USER!, I will have an atty. check that out during divorce proceedings. I have my own credit cards, he's not on them, and not an authorized user. (I worked for a bank for 26 yrs., I do know the difference). I have always maintained my own finances, from day 1, I do do COMINGLE, and never have. It's his mishandling of his finances and me getting stuck with them because of divorce laws that I question.

 

[You Are Guilty]

Double check your credit reports just to ensure hubby didn't try to pull a fast one on you. But if you are as removed from his cards as you claim, you are not responsible for his debt.