Crédito después del divorcio
- fredymarin
- Aug 27, 2014
- 2 min read
One of the devastating financial effects of divorce is its impact on the credit report. Many times there are joint obligations, which make it difficult to afford without financial support from the spouse. So it is no wonder that divorce is one of the main reasons why people do a bankruptcy.
It is important to remember that banks have different policies when it comes to divorced couples who have maintained joint accounts. Be sure to contact each of your creditors individually to discuss whether you or your ex-spouse will have an ongoing responsibility to those accounts.
A Once you have determined that the obligation belongs to your ex-partner and not to you, ask the creditor how to transfer their joint name of the person who will be responsible debt. Usually, this requires the signing of an agreement with the bank to release one of two responsibility.
Creditors can not agree immediately. In fact, they have every right to postpone the decision until proven he can handle the payments the person designated to be in debt. However, this is a smart step to take in order to protect the new responsibility and begin the restoration of credit as a single individual.
To avoid bad times in the future, close any credit line you shared as soon as possible. Similarly should inform all creditors in writing that you are not responsible for these debts after a certain date. Be sure to keep a copy for your records, and consider sending the original letter via certified mail. While this may not prevent creditors from trying to collect, but it shows that at least tried to act responsibly.
Similarly, you should request your credit report and make sure that the accounts contained in the report are only those that you are legally responsible. Remember, even if your name is removed from an account, and even if the account is closed to avoid future charges, you may still have a legal responsibility to pay existing balances. While this may seem unfair, since it was his ex who made the expenditure, it is perfectly legal. Therefore it is important to close joint accounts and review your credit report as soon as possible.
If you find in your report accounts that belong to your ex, you must request an amendment to the credit bureaus, noting that the information should not be on your credit report because it belongs to his former partner.
If you have any questions about this item call us at (201)345-5252 or make an appointment by clicking on the following link
note. This article is provided as a general and informative guide. Not intended to be, nor should be construed as legal, financial or other professional advice. Please consult your attorney or financial advisor to discuss legal or financial issues.
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