PLEASE help us! In the last two months my husband has received two letters from two different collection agencies in reference to his ex-wife's accounts. They have been divorced since 1995, so, whatever you suggest will be appreciated. #1) CA showed up on credit report, we called. Husband said he authorized her to get the card (1993), but she was supposed to be responsible for it. Long story short, we worked out a plan to pay it off. No problem until husband says he never signed the application. She signed his name. We have already made 3 payments, is it too late? Do we just eat the cost? I know, first rule of thumb: VERIFICATION. I guess we were both not thinking, too busy being upset. #2) Letter shows up at our address from a different CA. Husband called, another ex-wife account. Husband was listed as authorized user, but never used and didn't sign the original application. The kicker is they sent the letter on 4/30/03, the account was charged off 3/10/96, I don't have to tell you this is 7+ years. What to do? What to do? Again, all suggestions are greatly appreciated!!
Its never too late. Make them validate, including a copy of the application for evidence of FORGERY. Validate this as well. It is probably past your state's SOL. Gotta love the bottom feeders.
Allgon, #2. As an authorized user your husband is not responsible for any amounts owed on that account. If the CA knows that he is an AU, they are just harassing you for payment. Inform them that it is not his account nor is it his responsibility to pay for the primary account holder's actions. KK
I say Validate. Let them screw up Sue for violations. These dirt bags need to be taught a lesson. People we're letting them off too easy!
