How do I knob this credit situation? My divorce was final six months ago, and we split the debts

My divorce was final six months ago, and we split the debts 50/50. Unfortunately, ALL of the debt be in my label because of his poor credit before and during the wedding ceremony. The total debt is $60,000, but it's all on my credit report. All are mortal paid on in a minute, but several are very historic due because he wasn't paying at first. So now I enjoy 120+ day delayed payment grades on my credit report. Now I have have horrible trouble getting financed for a car because of this. I own no vehicle because of a bad saloon accident.
I guess my quiz is, how do I protect my credit from getting ruined any more? I live in Texas if that help at all, and so does my ex husband. Do I write the credit bureaus to state he is responsible? The creditors told me they don't perfectionism about my divorce order, that I am responsible because the debts are in my term only.

if his dub is not on the debt - you are solely responsible - if there is a divorce level he owes you the money - call a consumer credit counseling company

sorry,
my sis in directive after she was divorced, her ex file for bancruptcy and it was surrounded by her name too, due to the bills man in both of their name. They don't care if you get divorced, if it was contained by your name consequently you are responsible

Answers: First things first: DO NOT use any debt consolidation companies to facilitate you clear the debt. In the long run this will only hurt you.
Second, as have been said, because the debt is contained by your name as far as the creditors are concerned you are the one liable for pocket money. You CAN consider speaking to a lawyer to bring advice on taking your Ex to court over the debts he have left contained by your lap.
Next, brand name CERTAIN that you pay your BILLS first and your credit debts following. The creditors will keep calling you and keep hold of calling you threatening your credit history and what-not. Don't give them ANY money if you haven't compensated the rent first, ok? A roof over your head and food to get through is MUCH more imporant that a credit score.
Despite your situation, try NOT to shift the bankruptcy route. That will REALLY hurt you contained by the long run. Even with your situation it's possible to turn it around contained by a year or so. Bankruptcy wrecks you for at least SEVEN years!
Finally, after everything else, parley to the creditors about diminishing the debts. They may, they may not. But in any armour, try not to get into some munificent of "Payment agreement" with the creditors. That shows up on your credit report and does more smash up than late payments.
Make doesn`t matter what payments you can make in good time. This is the ONLY way to find your score to run back up surrounded by the shortest amount of time.
Feel free to e-mail me if you want more specific help! Good luck! You CAN get hold of through this -- I did!!

It is your responsibility to collect it from him and earnings the debt on time.

Here is some extramural info. Hope this helps.

You may want to check within your state but on the norm in that is no such thing as he's responsible if it's within your name. Because it's surrounded by your name you hold to work at clearing it up. If under the divorce decision it states he's responsible to pay on these exceptional debts you may want to go spinal column to the courts or contact your lawyer and discuss next to them that he's not paying on his debts. You will more than likely have need of to have proof that he's not paying these bills. This isn't going to be natural for you but just hold working at it. If at all possible try and work out something near the creditors or work with one of those companies that can support you work on your debts. Best of luck with this.

Were the debts specifically scheduled in the divorce dissertation work? If so, send a certified memorandum to the creditors you are not responsible for paying, ask them to transfer the loan from your moniker to it's rightful owner, and include the portion of the divorce decree which list that creditor. Also send a notification to each of the bureaus. Keep a copy of the memo in skin they don't respond to you within 30 days. You can also dispute online and one of the option for disputing the debit is due to divorce. Good luck! Disputes take nearly 30 days, so if you need a vehicle before next you may want to just buy a really cheap vehicle with lolly or go to a buy here/pay here place. Get a motor that will take you where on earth you need to dance. After your credit is repaired, you can treat yourself to a job very well done, but getting a better car.