Shall I file a lawsuit against my ex-husband?
I have separated from my husband 5 years ago. I have taken every step to pay off my debts in the last few years in the hope of obtaining a favorable mortgage deal. I checked my credit report recently and found that my credit score has dropped by 50 points. I saw that I owe around $45,000 on a credit card.
My ex-husband has accrued the debts on an old credit card. I was the joint account holder. I have even forgotten about it. My ex-husband has used the credit card without informing me. I have not used the card after my divorce. Am I accountable for the debt? What step should I take now? Shall I file a lawsuit against my ex-husband?