Will My Ex’s Unpaid Joint Debt Hurt My Credit?


Yes, as long as your name is on the account or loan. If possible, get the debt entirely in your ex-spouse’s name. Transfer or consolidate balances on loans and credit cards. If your divorce has already been finalized, you might be able to show the lender your divorce decree and have your name removed from the loan (if the divorce decree states that your ex is responsible for paying the debt); however, this is not likely. If the lender won’t remove your name, ask your attorney about taking your ex to court for failure to abide by the existing court order.

Written By Shelly F. Wood
Shelly is a seasoned attorney with extensive experience in family and criminal law. She began her career as a Public Defender for Norfolk in 2002 before transitioning to private practice in 2004. After successfully running her own law firm for 14 years, Shelly became the Managing Partner of Parks Zeigler’s Chesapeake office in 2020. This move allowed her to expand her legal services while staying deeply connected to the Chesapeake community.
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