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attorney or trustee

I am in an usual predicament .I have read several interesting posts on the finacial responsibilty of a supplemental card holder. I gather that if you did not use the card or sign you are not liable. I am in a similar situation but with a twist.Two years ago I signed for a supplemental card from my girl friend.This particular company requires you sign the application agreeing to be joint and severally obligated. It was my girlfriends card and she also had to sign and send it .I was not aware that her debt was over 14,000 dollars on the card(she would never try to do anything unethical).If i had known about ,I would likely have signed anyways . My problem now is that she has defaulted on the debt and they want it from me.I did sign for a card but I never received it . Apparently the card is mailed to the primary card holder .We were having relationship problems at the time (broke up soon after) .She received the supplemental card by mail and was angry with me at the time .She had decided not to tell me about it or give it to me. Basically I forgot all about it until the collections firm contacted me . Who should I see for advice ..attorney or trustee. I refuse to pay the 14,000 dollars.I did not spend one penny on the debt. In fact to this day I have never seen it . There must be some fairness in this situation. How can one person be responsible for a debt.Every penny of the 14,000 debt is from her . Yes I agreed on the application that I would be responsible .Doesn’t the fact that I never received the card nullify the agreement. I signed for the supplementry card agreeing to be responsile because i wanted this card. If I knew I wasn’t going to get this card I would never have signed . Do you have any advice for me . Do trustees have legal knowledge in this area or should i contact an attorney.

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One Response to “attorney or trustee”

Barton Goth, GCO Inc. Bankruptcy Trustees said...

To dispute a situation like this you will need to contact a trustee, preferably one who has some experience with both insolvency law and contract law. From the information you have reviewed I expect that having signed the document, regardless of having not received the card, you will still be responsible to ensure that this debt is full. While it is always possible that in the agreement they may have had a clause that nullifies the agreement should the card never be received, but I believe this would be highly unlikely. Normally the contracts put together by the lending institution are written to protect the lenders interest not yours.