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This is all happening between three and 12 months after you stopped paying on your debt. One card, with First Premier Bank, even had interest rates go as high as 80%. The question was this (verbatim): "Hi James, Please please help me. Answer: DON'T PAY YOUR CREDIT CARD DEBT if it is hurting the rest of your life. Then the courts just give the credit card companies your money. North Carolina and West Virginia, for whatever reason, are the worst states if you are a buyer of batches of bad credit card debt. But they might only pay 2 cents on the dollar for those.
"Cancel all the cards you're aware of and put them in your own name," she says.You can include provisions in the divorce agreement to force your ex to pay up, but going back to court is expensive and time-consuming."For many couples, it becomes an emotional game of, 'If he -- or she -- can spend money, I can, too,' and each of them runs up the credit cards," says Tina Tessina, author of "Money, Sex And Kids: Stop Fighting About The Three Things That Can Ruin Your Marriage"Ultimately, you can save yourself a huge amount of money if you can work out an agreement about who pays off the cards together.In some states there is no legal separation; you are separated the day you begin living apart. Your options There are several options for handling joint credit card debt.Which one you employ depends on the state of your relationship with your spouse.If not, get help from a mediator or a financial planner, which is cheaper than an attorney." The basics Debt incurred during a marriage is generally the joint responsibility of both parties, as long as both are co-signers on the credit cards, says Bill Glassner, a financial planner with Glassner Carlton Financial Planning in Cedar Knolls, N. "However, if the credit card is in one spouse's name but the other is just an additional cardholder, that spouse isn't responsible.
" One exception is community property states, where both are responsible, even for debt incurred by one partner.
) but he was convicted of bribing a company that made him millions of dollars.
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States with community laws are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin.
Alaska is an "opt-in" community property state, in which spouses may agree to be jointly responsible for all debts.
This is why divorce attorneys, financial planners and credit counselors recommend that you leave your marriage with no joint debt.