I need some legal help with a credit card?

Question

Ok last friday I got a call from financial office letting me know that My husband had one week to pay 8000.00 dollars for a out standing credit card. He was not home at the time and would not be home till the next day I told them that and they told me that if they did not hear from him that day that they would have to send it to the cort and Levy our home and garnish his rages. I told them that there was know why he would talk to them that day he was a work so they told me because I was his wife I could make the decision for him. I said no way did we have 8000.00 to give to them. So they told me that they could give me what is called a hardship and pay 1000.00 by the 1st of september. So I took the deal. Now is where is gets crazy come to find out that the credit card was not his at all it was is ex wife's. So she opened it in october of 2003 did not tell him about it she said she did not put his name on it at all. They where still married but she was sleeping with her new husband. In December of 2003 she moved out of his house. She did not start using the card till december of 2004. There divorce was final on December 14th 2004. Now the financial office is telling me that my husband still has to pay for this. They say it was a joint account and that my husband was on it. Now his ex has called the bank and they told her that he was not on it that her new husband was on it. So my question is what can we do to get out of this? Because now they have his bank acount and will be taking this money out that we do not have. I tryed talking to her and told her if she would just give us the money we will call it good why should we have to pay for her dabt? She told me that she dose not know what we are goingto do she dose not have the money to give us. We are just starting out we dont have that kind of money we just got married on 8-16 of this year. It would be great if someone could help me. Thank you!

Answer 1

I would cancel that checking account asap.

If he didn't sign for the card he doesn't owe a dime.

Answer 2

If your husband's name is not on it, then he is not liable. I would send a registered letter with a return receipt to the CC company, telling them that he was not on the account, and he wants to see proof where he signed the paperwork. Close that bank account IMMEDIATELY. They will take everything at once. Open a new account. How did you find out the card is his ex-wife's? Don't panic. These so called financial offices are nothing more than glorified call centers. This company has no legal right to take this money, but they will if you let them. Go to the link below. This guy will be able to help you. Send him an email and he will advise you. These people are scum, nothing more nothing less.

Answer 3

I Have a book Called Debt Cures by Kevin  Trydeau  "they don't want you to know about"  I have not read the book yet, but there is a web site you can go to and ask questions.                    ww.debtcures.com

Answer 4

If your husband never authorized the account nor received benefit from it, he is not liable for the amount.  You should never have authroized the transaction electronically, but fax them a letter that prohibits them from taking the money.  Moreover it sounds like you have many violations of the FDCPA on this account.  If all else fails, sue his wife for it.  

Answer 5

You could take her to court and try to get the court to rule that she must pay you guys the money since the financial office is going to take your money.