my wife did this to us

[Faust]

What do you want to happen? Figure that out and go from there.

[Widdle]

How I do I tell with this? My wife got all these credit cards in my name using my information. She changed hte billing address to a po box.


Now were bankrupting because of her and i'm the only one calling the creditors and the lawyers.

If you are filing BK - you don't need to be calling the creditors.

Just like the others posted, get a copy of the three major Credit Reports --Experian, TransUnion and Equifax.

And, in this case, it's a good thing to file BK.

My brother found out his ex opened a lot of cards in his name, including 2 lines of credit. We have no idea how she managed to get the financing.

Anyway, when they divorced, he had all cards paid in full by refinancing his house. Then 6 months after the divorce, Walmart calls. She had the card in her possession and used it. He played hell trying to get that resolved. He filed a police report, but that was pretty much a waste of time.

Between the two of us we sent 5 letters Walmart's collection and fraud department.

They never fixed it. They still sent demand letters and trashed his Experian report.

Finally, 3 years later, I used a Power of Attorney and got on the phone with the fraud department and while on the phone, faxed all copies of the letters and police report as well as his divorce decree and then they "fixed" it, by deleting the record from his credit report completely. They sent a verification to my brother without even a slim apology.

Anyway, YMMV - Your mileage may vary!!!!

[tigerm]

Cameron, bankruptcy is a business decision. You can't pay the creditors, and it's not like your creditors were doing you any favors by giving the two of you more credit than you could afford. So, shake the burden, file the chapter 7 and go through the credit counselling. Looking back and placing blame is only going to lead you down a very dark path. That said, you should look back and go through marriage counselling to figure out where the root problems are here so that you never have to experience bankruptcy again. Believe me overspending and unresolved marital problems definitely go hand in hand. But anger and resentment over these issues will get you nowhere. Attack the problems, not the mate....

[Universal]

Cameron, what an awful problem you have! Please keep us informed on what you are going to do. (some of the responses were sort of humerous......) Everyone here will help you thru BK if that is what you decide to do.

[bakergrl]

lol...i thought that myself, how do you miss all the new things she owned and not wonder where she was getting the money?

How in the world did you not know about it? Try paying attention to your wife and your credit report. It's your own fault.

[SMinGA]

For what its worth, this is an old thread. I don't think Cameron is around the forums any longer.

[bakergrl]

Wow, I did not even notice the OP date.

For what its worth, this is an old thread. I don't think Cameron is around the forums any longer.

[blockhead]

1) Kill her and bury her in the back yard
2) Talk to her and work things out - forgive.

Not too many options when you think about it. Some better than others.

Works for me!