Divorce - Debt - Judgment - Bankruptcy
I recently had a divorce and unfortunately due to my ex closing bank accounts on me and our child (out of spite) the same week divorce was filed - I was forced to use credit cards under my name solely for living expenses, daycare, medical, etc. (Texas)
Divorce was finalized in Jan 2009 and judge ruled that 3 credit cards and signature loan was awarded to my ex. Totalling approximately 70K. Of course he hasn't paid it.
I'm about to go back to court to have a judgment filed against the ex.
My ex mentioned angrily about how he's going to have to file bankruptcy - which I find funny because he doesn't have any debt on his 'books' so to speak - except what he owes me. So not sure how he can file without actually claiming the debt he owes me.
And I'm curious if he files bankruptcy after I get the judgment. Will he get it discharged fully and really not owe me a cent? He is self employed and garnishment is not going to work either as it's his own responsibility to decide whether to make any payments if he is required to even make payments towards the debt.
Another thing -- the credit cards and the loan are still accruing interest and was wondering if the credit card companies would accept a letter and a copy of my decree in order to stop finance charges or accept some sort of settlement without me having to go delinquent on the payments and mess up my credit?
Does anyone have experience with any of this?