Spouse unauthorized credit card expenses - Page 2 - Talk About Marriage
Financial Problems in Marriage When financial times are tough, it adds to the stress we deal with on a daily basis. This section is for talking about how financial problems affect our relationships and ways to cope.

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post #16 of 23 (permalink) Old 05-01-2016, 10:23 PM Thread Starter
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Re: Spouse unauthorized credit card expenses

Thanks for all replies ........ The amount of damages to me is not yet fully known but working on it presently ......... She hit me for credit cards in my name only amounting to about $40,000 ........ There are other cards that are jointly held all those cards have been put into a credit repair agency , I'm bracing for more bad news ......... We have a separation agreement in force although we are still living in same house , I have sternly warned her that I will take her to see the Judge if she messes with my finances against what is in the agreement ......... It's a living nightmare , she was diagnosed Bipolar a couple years ago , not sure if this has any bearing on what she had been up to ........

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post #17 of 23 (permalink) Old 05-02-2016, 09:04 PM
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Re: Spouse unauthorized credit card expenses

file a fraud alert and press charges for identity theft. also depending on your state you may or may not be responsible for a portion of the debt in her name only, and should not be for these fraudulent charges. but you will have to take this down the criminal route, as it is no longer a civil matter.
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post #18 of 23 (permalink) Old 05-02-2016, 09:35 PM
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Re: Spouse unauthorized credit card expenses

While it's technically illegal for a spouse to open credit cards in the name of the other spouse without their consent it's almost impossible to prove it. If she'd be willing to sign a confession or something then it might give you a bit of leverage but it probably wouldn't alleviate you of the debt to the credit card company if she doesn't pay.

Anything AFTER the legal separation could probably be contested, and the courts could hold her liable, at least for the debt if not the crime of identity theft but that's still a bit of a reach.
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post #19 of 23 (permalink) Old 05-03-2016, 07:26 AM
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What did she spend the money on? Can anything be returned?
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post #20 of 23 (permalink) Old 05-15-2016, 07:09 AM Thread Starter
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Re: Spouse unauthorized credit card expenses

Just getting back to all the posts again as all advice is greatly appreciated and taken seriously ........ Thank you all !!!
I am not convinced that she will not try to grab money from me again and although we are now legally separated but still living in the
same house , the situation for me is very scary . The credit card debt hell that she created was in excess of $100,000 but she filed a
personal bankruptcy to get rid of some of it however it looks like there is still about $40,000 of credit card debt in my name only that she created and about the same amount in joint credit card debt that she also created ....... We are on a credit repayment plan with an agency but the debt load of unsecured credit credit is killing my ability to get a loan of any kind !!!
She grabbed $$$ out of a checking account of mine a few months ago telling me the money was for an annuity ........ I don't believe it
I warned her that I would have her in front of the Judge if she did this anymore , any acts of financial impropriety with my finances .
I'm about exhausted from all of it , my relatives and a close friend are telling me to get her out of my life , I'm starting to believe this is
what I must do but I have a large home to get sold hopefully this summer and then relocate ........ I make a good living but I'm getting
near retirement age and this has been a most dreadful experience for me the past nearly three years ......... I don't have any answers from her on WHY , WHERE this money has been spent ........ Deceit and mistrust abound
Thankfully we made a non contest legal separation and she agreed not to come after my retirement but I am faced with the ugly mess
of the debt hell that she created , most of it in my name or joint accounts ........ Marietal debt should be unlawful but sadly it looks like
spouses have ZERO protection against this
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post #21 of 23 (permalink) Old 05-15-2016, 07:26 AM
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Re: Spouse unauthorized credit card expenses

First of all, I'm so sorry this is happening to you. Something like this happened to me on a much smaller scale.

1. Have you separated ALL your accounts? If she is taking money out of your checking account a few months ago, I suspect not. Believe me, i get the impulse to want to think your spouse WON'T financially devastate you. Unfortunately when it comes to divorce all bets are off. Get her taken off ALL your accounts. Change all your passwords. If you have credit or debit cards logged on any sites or in your computer (for quick online checkout for example), erase them from the system. Do it NOW. Don't put it off. Every hour she has access, she can create more hell for you to clean up later.

2. Secure any valuables you have about the house that belong to you - your personal jewelry, anything you came into the marriage with that has value. Lock it all up. Don't remove it from the property if you haven't officially divided assets yet. The next thing she'll probably go after is valuables, if she can't get money from your credit card accounts.

2. Talk to a lawyer about the credit cards taken out in your name. Yes, all debt of one spouse may be considered debt of another BUT because they aren't in her name, and were taken out without your consent or knowledge, I wonder if they might be considered fraud? If you have some evidence to that effect, say, emails you sent to your wife, saying "hey WTF is this card in my name I never knew about" then bring anything you have with you to a lawyer. It may cost you some money, probably a heck of a lot less than the debt she racked up in your name.
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post #22 of 23 (permalink) Old 05-15-2016, 07:27 AM
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Re: Spouse unauthorized credit card expenses

Forgot to ask, did you sign a prenup?
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post #23 of 23 (permalink) Old 05-15-2016, 08:19 AM
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Re: Spouse unauthorized credit card expenses

Quote:
Originally Posted by joannacroc View Post
First of all, I'm so sorry this is happening to you. Something like this happened to me on a much smaller scale.

1. Have you separated ALL your accounts? If she is taking money out of your checking account a few months ago, I suspect not. Believe me, i get the impulse to want to think your spouse WON'T financially devastate you. Unfortunately when it comes to divorce all bets are off. Get her taken off ALL your accounts. Change all your passwords. If you have credit or debit cards logged on any sites or in your computer (for quick online checkout for example), erase them from the system. Do it NOW. Don't put it off. Every hour she has access, she can create more hell for you to clean up later.

2. Secure any valuables you have about the house that belong to you - your personal jewelry, anything you came into the marriage with that has value. Lock it all up. Don't remove it from the property if you haven't officially divided assets yet. The next thing she'll probably go after is valuables, if she can't get money from your credit card accounts.

2. Talk to a lawyer about the credit cards taken out in your name. Yes, all debt of one spouse may be considered debt of another BUT because they aren't in her name, and were taken out without your consent or knowledge, I wonder if they might be considered fraud? If you have some evidence to that effect, say, emails you sent to your wife, saying "hey WTF is this card in my name I never knew about" then bring anything you have with you to a lawyer. It may cost you some money, probably a heck of a lot less than the debt she racked up in your name.


^^I agree^^

And if you have not yet contacted all three credit bureaus and filed a "fraud alert" to keep her from opening new accounts you need to do that now!
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