Why Do I Have To Pay My Ex's Debt?

Ms. Vicki

Dear Ms. Vicki,

While stationed in Europe, my soon-to-be ex-husband tried to kill me in front of my children. The children and I have been stateside for nearly two years.

My concern now is that during out marriage I was a stay-at-home wife/mom and didn't work. So all of our financial credit was obtained using his Social Security number. My name and Social Security information were used only as a secondary source to identify me.

Now, the Military Star Card is garnishing my tax return to recover that debt. They are not going after my husband, who has a retirement check from the military, a full-time job, and no obligation/responsibility to the kids.

I am working for the first time in 12 years. My job basically puts me and our children at poverty level. I receive child support, spouse support and STILL receive food stamps. How can they do this to me?

I am living hand to mouth, facing eviction if I can't make rent. I have medical bills he is not paying because we only having Tricare standard. The local base is no longer taking Tricare standard, so with the co-pay and the balance Tricare doesn't pay, I’m sinking.

Sincerely,
Sinking

Dear Sinking,

Oh my goodness! I am so sorry to hear about this, but I am so glad that you are still alive and that you and your children are safe. This is really heartbreaking for me to hear. After all you have been through, you must feel this further financial difficulty is a slap in the face.

It does not sound like your divorce is final yet. Other people in your situation report that it is very important to get everything arranged in a divorce decree. Many times, spouses can be in a big hurry to finalize the divorce and not give careful consideration to everything, like who will be responsible for certain debt.

I think this is why the Exchange Credit Program (STAR) can garnish your wages for two reasons: 1) This sounds like it was a joint account, and 2) because the divorce has not been finalized. Therefore, the debt still belongs to both of you.

Again, I know this doesn’t sound fair because you are making ends meet minimally and providing for you and your children too. Now your taxes have been garnished.

People use their tax money and earned income credit to help them with childcare, transportation, housing, food etc. I know this is stressful, but you have to receive legal advice too.

Please don’t walk into court and just sign papers. You could be responsible for a lot more if you do.

Sincerely,
Ms. Vicki

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Ms. Vicki is a native of Dallas, is married to an active-duty Soldier and has three sons. She has a Master's of Science in Social Work from the University of Louisville, is a Licensed Clinical Social Worker and currently works as a therapist with military servicemembers and their families. She provides services for a wide array of concerns such as combat stress, PTSD, couples and marital problems, depression, grief and loss, stress and coping.

Ms. Vicki also writes an advice column "Dear Ms. Vicki" that appears in the Washington Times, the Fort Campbell Courier and the Heidelberg Herald Post. Ms. Vicki also hosts an internet radio show and blogs on her community site with the Washington Times. If you want to ask Ms. Vicki for advice about your military life, please email her at AskMsVicki@military-inc.com.

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