credit damage issues

[l_dirr]

What is the name of your state? kentucky
What is the name of your state? kentucky
My wife and I bought a car 8 months before our divorce. Both of our names were obviously on the loan. Then we got divorced. The agreed settlement was that I would take all the credit card bills, the mortgage, and obviously the house since I was paying the mortgage. She wanted the car so the only responsibility that she took with her was the car payment. It was all agreed upon nice and neat, no arguments.
Now, two and a half years later, I have hits on MY credit history because she has not made payments on the car, she has been late on payments, and I am getting calls from a collections agency, I can only assume is from the car since that is the only thing that currently may possibly link her to my phone number. Obviously, they cannot legally tell me anything, but her neglect is damaging my credit.
I have worked my entire life to maintain perfect credit and now she is wrecking it. Since the divorce settlement maintains that this is her only responsibilty, can I force her to refinance this loan, or is there some way that I can get my name off that loan or dispute the damage to my credit history?

 

[Ladynred]

The agreed settlement was that I would take all the credit card bills, the mortgage, and obviously the house since I was paying the mortgage. She wanted the car so the only responsibility that she took with her was the car payment. It was all agreed upon nice and neat, no arguments.

And NONE of that makes any difference to the creditors whatsoever. They were not included in your divorce proceedings and they are not bound by who got 'assigned' which bill. If your name is on the account, YOU will be hounded for payment and they will ding YOUR credit reports.

but her neglect is damaging my credit.

Then the divorce should have called for her to refinance the vehicle in HER name ONLY as that is the only way your name would be removed from any liability.

You have no real recourse here except to take her back to family court, but even then the judge cannot FORCE her to refi the car. She probably can't anyway as her credit is probably in the dumpster.