This book will focus on the rights each spouse has under certain laws, situations, and circumstances, and how the division of the property will be decided by the court or through negotiation.
Can anyone tell me what happens if you are unable to pay your credit cards?
Can they garnish your wages for that? Or does it just go on your credit report.
We are in the middle of a divorce - and he is not paying the credit cards that he said he would pay (in both names) and as of yet I have not recieved any child support and have been paying all the bills in regards to the house along with my car payment and it is to the point were I can no longer do this all. So to me the most important bills are the house, the car, the utilites and food. Credit card is the least important so I am wondering what will happen if I don't make these payments?
It goes on your credit. And will probably have a very negative impact for both of you (since his name is on it, too, his credit will be affected) should either of you try to refinance the house (depending on who gets what, that is).
Have you filed for child support? If so and he's not paying, go back to court and ask that it is garnished from his wages. And keep track of the marital debt that you have been paying without any contribution from him at all. You may be able to get more of the assets as a result of his not paying.
Generally, if you stop making credit card payments, the creditors send your accounts to collections and eventually they may sue you for the amount (which could lead to wage garnishment but they do have to sue you first and obtain a judgment), and/or they may charge them off which will show up on your credit report as a very negative item. If the debt is in both your names and the other party is not paying, it will affect that person's credit as well.
Until you have an order from the court stating who is to pay what debt, there is nothing you can do to make him pay, unfortunately, and even after, all you can really do is file contempt charges if he doesn't. But the creditors will still come after the both of you because they do not have to follow court orders and as long as your name is on the account, they will hold you responsible.
Many couples going through a divorce with a lot of unsecured debt file bankruptcy. You might want to look into that. It won't look good on your credit either, but rebuilding good credit after a BK is easier than trying to do so with a bunch of charge offs and collections on your credit report.
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