I divorced in August of 2007. I was ordered to pay off a credit card that was joint in writing. The judge ordered me verbally to close all joint accounts. I complied. I closed the account and it was paid to zero. I was secondary on this account. My ex-wife reopened it the next day. I reclosed it the next week after finding out it was reopened. My ex-wife sent me a form to sign to remove me from the account. I complied and sent it back. She never sent that in to the credit card company. I made a copy of the form with my signature prior to sending it and sent that enclosure with a letter. 2 weeks later, my ex-wife again reopened the account and took a balance transfer on it for 22000 dollars. I found out about that from a credit report a month later and complained to the credit card company that I closed the account and the second closer was through fraud/security division and they froze the account until my name was taken off. Through numerous interactions, the credit card company says I'm liable for the amount, I can't get my name off the account without the primary's permission, and I can't permanantly close the account. Is this legal with a California resident and the credit card company out of Delaware?

I'm confident that if you can prove that she reopened the account, after the divorce and it being paid down to a zero balance, and that you have not signed for the account to be re-opened, nor, have you used the card for any purchase, they will not come after you for this.

The other issue though, is this showing up on your credit bureau? If it is, that would be the biggest mess to try to straighten out.

Good Luck!

I have not had a card on this account for many years. It had 347 dollars on it at the time of divorce which I paid down. Yes, I have a full compliment of the credit card company's confessions on their webpage email to/from that support all of this in writing from them. It is on my credit report and they said I am responsible for the full amount.