Two Roads Diverged In a Yellow Wood... Part 2

[Not Quitting]

Question, what about him putting purchases on his own personal credit card and then paying that off with our joint line of credit? How can I ensure he is not spending too much on his credit card? Our finances aren't split yet and he is using our joint money to pay off everything he puts on there. We are living paycheck to paycheck and I don't think we can afford to put anything on credit card except his orthodontic expenses!!

I'd suggest speaking to a lawyer and/or the bank. My H maxxed out his personal credit card, used the joint line of credit to make those minimum monthly payments and kept withdrawing cash from the line of credit. I was advised that if I could prove he was using money from the joint account to spend on OW I could sue them both for 50% of that money. As I couldn't prove it I let it slide. I did have the bank remove ATM access to the line of credit and add the requirement that we both had to sign at the bank for any withdrawals.

Since separation, we have closed the joint account and the line of credit and joint credit cards are both frozen due to the debt settlement plan we signed up to. In our separation agreement there is a clause stating that H will pay me 50% of that debt settlement for the duration of the payback period as the payments are coming out of my chequing account. That now provides me with legal recourse should he not pay his share. The only other joint bill we have is the cell phones but only because we are still in contract for a couple more months. As soon as we are out of contract we will be separating that as well.

I know how much worry all this can be, but try not to let it get to you. If you explain to the bank that you and your H are separating they will be more than happy to provide you with all the information you need, and if they aren't then you're with the wrong bank .

Stay strong. You can get through this and come out stronger. Always remember you're not alone .

Hope this helps.