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My question -- what if I proverbially cut her loose on subsidizing her credit cards? We live in California. As they try to collect on her if she isn't willing to change , how can this affect my credit? Can she undergo consumer credit counseling on her own? By the way, these are all cards in her name alone.

Last question first..If the cards are in her name only, then there is no reason why she can't undergo credit counseling on her own. We do it all the time, we like to have both present if possible but it isn't required. If you think it would be beneficial for her to have to counsel on her own, then it is entirely up to her to do so.

Next, should you stop subsidizing her credit cards? Seems like it could have an impact that just paying and pleading won't but I don't know what the consequences would be in your state. I know that in my state the creditors can't come after you or notate on your credit report any delinquencies but a judge can in a divorce settlement. (I am teasing you now) We can't advise you on what to do there. That is at your own discretion. :-)


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