What to do about a closed joint account that my ex used?
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What to do about a closed joint account that my ex used?
Just prior to my divorce 5 years ago, I closed a joint account because my now ex kept writing hot checks and over drawing the account. She was notified the day of and 10 days later went on a spending spree and somehow managed to write 8 checks against that account that was closed. Now 5 years later those 8 checks, totaling $1200 and some change are now hitting my credit report. I understand all parties are liable on a joint account but due to the fact that I closed the account to protect myself from this very thing am I still financial liable for those checks? Also, I have learned through my research that the account shouldn’t have been closed without her consent in person, regardless, it was and she was aware it was.
Asked on January 19, 2013 under Bankruptcy Law, Georgia
Answers:
M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney
Answered 11 years ago | Contributor
The creditor(s) attempting to collect on the account do not care about your personal life. I do not mean to be snide or mean. Rather, they only care about collecting the funds. If you are in collection or being sued you are going to have to counter sue your ex. Also read your divorce decree. The splitting of the debt may be an issue here. You had no right to close the account although I understand why you did. Good luck.
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