I think everyone is getting messed up here.Creditors do not give a rats as$ about a divorce decree for the judge.This is one of the most common credit problems I would run into working with buyers on the residential side.The buying party would claim their former spouse was ordered by the court and did not.Therefore the credit companies came after them for payment and they either didn't have the money or wouldn't pay it.The credit companies on joint accounts that were formed before the dissolution of marriage do not recognize divorce decrees.The credit company sees it as you BOTH owe the debt.This is why I keep separate accounts on everything.I love my wife dearly but I was divorced once before and having everything separate made it so much easier later on.So unless you get a release from the company the legal standing is you signed an agreement to be legally responsible for that debt.Even with a court order she can say she doesn't have the money to pay.If that's the case you will have to pay them off or ask for a reduction in the interest rate on the credit card.Are these cards frozen now meaning you are just paying off the balance??

There was quite a few problems due to being frozen.

Hello everyone.

My name is Brad Bartram and I hail from Western New York (just southeast of Buffalo).

Aside from the home I currently own, I have no real estate buying experience. Ironically enough, I did extensive...

Welcome to the frozen tundra known as DFW area.

I hope the pipes have not frozen up while it has been sitting vacant.

Mortgage debt is looked at more favorably by fico.We got caught up a little when heloc's go cancelled/frozen in early '09.

I called Citi and told them I was interested in a loan, the loan officer talked with me for about 15 minutes, then he checked my wife's credit report, but was unable to check mine because my credit is frozen.

Bulk foods: some at Costco, mostly cheese, frozen foods, nuts, tea, plastic bags, coffee when they have a coupon.I buy from the bulk bins, but the store I like is 120 miles away.

Would love some feedback from experienced investors regarding this REO.Property had some localized flooding due to burst (frozen) pipes on the 2nd floor.

Put a lock box on the thermostat and they'll put frozen ice packs on the box.Just say no to paying the heat!!!