Sharonlynn
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Reged: 12/31/09
Posts: 18
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Re: wife has spending problems.BIG PROBLEMS!! HELP
01/21/10 07:11 PM
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First, it does sound like she is bi-polar. One thing that is very typical of a true bi-polar personality is excessive spending. My dear sister is bi-polar and due to her excessive spending during her "high" times, she has never had a pot to "you know what" in.
Your wife, of a short time, has not been faithful to your marriage. She has spent money irrationally, stolen from you and your child. The first thing you need to do is to protect what is left of your financial interest. Contact the credit card company and get her name off of the account. Close the account and have them transfer the balance into a new account with a new number. They will treat it as though you lost the card.
What loans do you have? Is your name on them? How was she able to run up $16K in debt. Whatever you have to do, make sure the creditor knows that the ran up the debt and ask how you may protect yourself from this point forward. I can't make suggestions about this as you were vague about the nature of this debt.
Open an account for your son with your name on it only. As a joint account owner for your son, she could take the money if she chose unless it was set up as a trust. If it was not, you have to kiss that money goodbye. My guess is that your son is young enough for you to start a new account for him.
Who knows what she is doing. Obviously she has no respect for you, your marriage, or your family's financial health. However, you will not be able to remove her from your son's future. She WILL be a part of it unless you can prove her to be unfit or that your son is unsafe in her charge. That itself is a whole other matter.
Lastly, contact all three credit bureaus - Trans Union, Experian and Equifax. Let them know the situation and have them flag your file for fraud. This means that for the next three months (they only hold the flag for three months and you can reflag the files after that expires) any activity that takes place in your files, you will receive notification. Should your wife try to open any accounts in your name, you will be notified. No credit will be extended in your name until you approve it in writing.
For now you must protect your financial interest.
Sharonlynn
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