Financial Recovery Services, Inc they are attempting to collect on a account that was a charge by original creaditer becouse of court orders to not persue Five yers ago. minneapolis, Minnesota

The previous rebuttal is exactly correct. Your divorce decree and property settlement agreement do not cancel or wipe out any finance agreements you signed previously.

When your ex-wife failed to pay you were still on the hook to pay off the vehicle because both of you signed the finance contract originally. Your finance company is NOT part of your divorce. It is a contract that is not affected by your divorce. Your divorce did not change your obligation to repay the loan. Most importantly, your divorce does not wipe out previous contracts or previous accounts.

The judge did not say that the collector didn't have a right to collect from you - read your property settlement agreement again. Your recourse is against your ex wife in the event you had to pay due to her failure to pay it off.

In a divorce the best way to protect yourself from these kinds of surprises is to pay off all joint debt or refinance the collateral into the individual name of the party responsible for payment.

You also state that you gave her the house in the settlement. If you had a joint mortgage on the house, the same thing applies to the mortgage. You are responsible even if she was given the house unless she has refi'ed it into her name alone.

 I am assuming since the finance company that financed the Truck was in both your name, AND your wife's name. At the time of the divorce, your wife was given the truck in the settlement, and she was ordered by the court to make the payments.

It is clear to see that she did not pay for the truck, and the finance company could not find the truck,so they came to you for payment, and you told them about the court order that says your wife is to pay for the truck. They did not care, and continued to try to make you pay, and you held your ground, and said NO!!!!.

After a while they charged off the debt as uncollectable because you wont pay, and they cannot find your wife.

Facts:

Even through the Judge ORDERED your wife to pay for the truck, he cannot ORDER the finance company to drop you from the contract.  The only way that this would happen is that your wife would have to refnance the truck, and signed the new car finance contract on her own.

I dont believe , as you are making it seem, that a Judge issued a ruling to the Finance Company not to attempt to collect from you. 

If you went back to court to tell the judge that your ex wife ran off with the truck, and the finance company is attempting to make you pay.  The Judge would have told you to pay off the truck, and then sue your wife in court to collect the money.

Sorry, your wife screwed you one last time,and now this collection agency  is trying to collect the money due, as the finance company sold them the debt.  Just because the debt was charged off, doesnt mean it doesnt exist.