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mrsvsevier

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how can I ever clear my credit after a bad divorce.
my Ex-husband wouldn't pay his child-support or alimony which really put me in a bad place. I lost my job, but before that he quit paying the bills all except one credit card which his name was on it.

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First of all, you need legal aid. Non payment of child support or alimony, in most states, can prevent an individual from renewing professional licenses or even driver's licenses. But only if YOU pursue it. Legally.

Your divorce lawyer should have advised you of the legalities of having joint cards and what would happen if he did not pay them. With your name on them your credit takes the hit too. You should have had ALL the credit cards with your name on them cancelled, and agreements made with the lenders on who was responsible for payment of the debt. Most people never consider this...

Likely, your only hope is to pay as much as you can towards repayment of the debt, making deals with your creditors.

Top Contributor
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You can file with the state for back CS and alimony without an attorney. Contact the state/county where your divorce was filed and ask the clerk for the appropriate paperwork. The court will review the case, call your X (and most likely you) to appear, and will rule on the complaint. If your ex can't or wont pay the amount required plus court fees and such then the judge could place him under arrest.

You should also ASAP arrange to have your child support managed by the state CS enforcement agency. There's no fee for this and they have the ability to start collection proceedings and garnish wages as needed. It also removes the personal aspect of the money transfer thus mostly removing the emotion. For the alimony there is no enforcement agency. You'll have to sue him for contempt of your agreement.

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