Expert: Chris Ebert - 6/24/2010

Question
In 2008, I got a divorce in Texas and my ex-wife and myself were awarded half of the debts.  Recently I pulled up a credit report and it showed a collection agency Superior Asset Management was reporting that I owed $1143 for a T-Mobile account.  I looked at the divorce decree and found that the debt was given to her.  I decided to dispute and contacted Superior Asset Management for the account number.  They said that they did not honor divorce decrees.  I still plan to send letters to the three credit bureaus to dispute.  What do you suggest?

Answer
Arturo,

The divorce judge can not break up a contract with a creditor. All the judge did was assign who should be responsible for the debt. If she did not pay, it probably is on both of your credit reports.

It may be best to settle the debt and ask for a deletion due to the circumstances. You can see how to negotiate that here:

http://www.henleycreditlaw.com/diy-credit-repair/


Chris Ebert
http://www.henleycreditlaw.com