How to get out of this mess?

I had excellent credit which went for a toss when I was when I went through a divorce around 2 years ago. My ex opened a number of credit cards in my name. I cannot pay so many cards. Most of them are now charged off and one of the accounts has been sent to collections. My credit score is a horrible 510, and I want to try and get rid of these debts asap. If you have a good starting point for me, let me know. Is there anything I can do to improve my credit?

4 Answers

My ex did sign my name as the primary borrower. She used the cards without my knowledge. :-(


Answer the question asked by Soaplady. If you're the primary borrower of the cards, then you'll have to pay off the debts. Contact a reliable credit counselor and get his advice on how to pay off the charged-off accounts. Get a better job to increase your income. Use the money to pay off delinquent accounts.


Did your ex sign your name as the primary or where you simply added as an authorized user???  Have you used these cards or did she just use them without your knowledge?  We need more information....

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

Did your ex sign your name as the primary or where you simply added as an authorized user???  Have you used these cards or did she just use them without your knowledge?  We need more information....

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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