Jump to content

Recommended Posts

I’m newly separated and I’m trying to re-establish my credit and financial independence.  There are 4 collections on my credit report that my husband was responsible for when we were together in 2020.  We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. 
 

I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted?  My score is in the 500 range right now. I don’t have much credit but want to repair and build.

Link to post
Share on other sites

Are you working from paper copies of your reports that were mailed to you from each bureau directly?

 

You may get lucky and get one or more deletions, but it sounds like you may be trying to dispute legitimate debts.  Does your state make you jointly responsible for debts that are incurred while you are married?

 

Have you tried working out a settlement with the lab?  Sounds like you willingly accepted their services; perhaps they'll offer a discount and a deletion for settling the matter.

Link to post
Share on other sites
13 hours ago, NewlySeperate said:

I’m newly separated and I’m trying to re-establish my credit and financial independence.  There are 4 collections on my credit report that my husband was responsible for when we were together in 2020.  We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. 
 

I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted?  My score is in the 500 range right now. I don’t have much credit but want to repair and build.

 When it comes to medical debt the bill is in the name of the patient except when the patient is a minor.  Health care would be a marital responsibility legally meaning both spouses are responsible for the debt.  The difficult part is regardless of what HE agreed to the lab or medical provider is not a party to that agreement even if the court ordered him to pay as part of the divorce decree.  This is why couples who are divorcing need to make every move to protect their credit as best they can on the chance the spouse does not do as they are supposed to.

 

Did he sign the financial guarantee at the lab?  That might give you some leverage?  Was he ordered to pay in the divorce?  Your only route to getting this deleted vs sued since it is care received last year may be to settle with the lab and go after your ex-husband to get it reimbursed.

Link to post
Share on other sites

Even when there is a divorce decree, debts are not contractually shifted.  The entity owed money is not a party, in most cases, to the divorce proceeding.  The court order has no bearing on the bureaus because the bureaus are simply reporting defaults on contractual obligations.  Where a divorce has occurred and a judge tells one spouse to make payments and they don't, there is, however, an enforcement proceeding through a contempt hearing and sanctions. 

Link to post
Share on other sites

You say your husband was "paying"?? Did he have insurance that you were covered under?? Are you still on his insurance plan?? If so, get the EOMB ( explanation of medical benefits) from the insurance Co. and see what may or may not have been paid and how much was left as "patient responsibility". Please direct the moderators to transfer this post to the medical debt forum.

Link to post
Share on other sites

No insurance out of pocket.

We are not filing for divorce just yet. I am making sure I stay financially independent no matter what happens. He is struggling financially so he stopped paying.  I did the disputes online.  I don’t remember if we both or he signed solely.  If the only solution is to settle with the lab what is the maximum that they will do/report with a settlement?

Link to post
Share on other sites

No insurance out of pocket.

We are not filing for divorce just yet. I am making sure I stay financially independent no matter what happens. He is struggling financially so he stopped paying.  I did the disputes online.  I don’t remember if we both or he signed solely.  If the only solution is to settle with the lab what is the maximum that they will do/report with a settlement?

Link to post
Share on other sites

No insurance out of pocket.

We are not filing for divorce just yet. I am making sure I stay financially independent no matter what happens. He is struggling financially so he stopped paying.  I did the disputes online.  I don’t remember if we both or he signed solely.  If the only solution is to settle with the lab what is the maximum that they will do/report with a settlement?

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Similar Content

    • By Missash43
      I missed a payment for a federal student loan and about a week and a half ago, it hit 7 years. Isn't it supposed to just fall off? When will that actually happen? Do I have to do something to make it fall off?
       
      Thanks for your help!
       
    • By CandiedCredit
      Hi everyone, I am a bit confused about a letter I have received from Wells Fargo. It is an old auto loan that was charged off in 2018 (repo).  I have only removed addresses and frozen lexisnexis,innovis, etc at this point. I received a letter from WF stating that due to the age of my account they are cancelling the balance, and will no longer attempt to collect. This seems strange to me that they would voluntarily cancel a debt before I've disputed anything. What should I do if anything regarding this letter. I'm hoping the credit Gods are just dropping a blessing down on me  
    • By silentjc
      Finally posting on this forum after gawking for a while. 🙂
       
      I've been working on my credit repair the last couple of years and am kind of at that point where I'm not sure if there is anything else I can do but wait it out.
       
      Had a medical issue back in 2016 / 17 which contributed to somewhere around 12 account charge-offs and a car repossession. Over the past year and a half, I've been aggressively paying the accounts off (all are at zero balance, settled), disputed as many as I could (several fell off, am doing another round this month), opened five rebuilder / secured / sub prime cards starting two years ago (Citi Secured, Self Secured, Cap 1 Secured, Cap 1 Unsecured, Credit One Unsecured), did the Self Lending self loan (like 6 months left on that one), Experian Boost, have had a high interest car loan the last two years, am about to replace it with a newer car loan at a lower rate, and obviously keep cards paid off every month and paid on time (*accidentally had a 30 day late when I was changing banks and forgot to update the account that was on autopay). 
       
      Looks like stuff starts aging off in 2023 and 2025. Scores went from the low 500s to 696 Trans, 712 Equifax, 625 Experian.
       
      The problem I'm having is that even with everything settled, zero balances, and "good" scores," I'm still in purgatory when it comes to getting an actual decent points card. Capital One gave me an unsecured one a few months ago, but it's a $300 limit on a non rewards card. And since I already have two cards with them (one which is my oldest card now), even though their my "best bet" in the nearterm for a better card, i'm at their card limit. 
       
      Goal Cards in the future are Chase Sapphire, AMEX Blue, AMEX Gold, and Citi Premier. 
       
      Current plan is to just keep sending dispute rounds every few months, keep balances at zero, not apply for anything new at least until early 2022. 
       
      Is there anything I'm missing? Anything I can do sooner to help compensate for the scars from the past on my credit report?
    • By Abaliyah1
      Hello ,
      I am in debt about 80k i was offered a debt relief program but iam skepitcal...
      Can i call and negotiate myself the small debt then the big ones ??
      Please help 
    • By BigSpenderBigSaver
      Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones?
       
      I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not be subject to an F/R.
       
      FICO scores as follows:
      EX 713
      TU 717
      EQ 701
       
      I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I not looking to apply for the AMEX Gold for a few months (depending on your feedback).
       
      Thanks!
       
       
      Sent from my iPhone using Tapatalk



  • Member Statistics

    • Total Members
      182,456
    • Most Online
      2,046

    Newest Member
    KhalidBurton10
    Joined
×
×
  • Create New...

Important Information

Guidelines