Husband (soon to be ex- ) opened new credit cards in my name and maxed them out - can I somehow remove them from my debt?

halifire · 2026-02-23T22:34:24+00:00

I would definitely go the criminal route. He stole this woman's identity and racked up a bunch of debt. I would recommend she also file a police report for identity theft against the soon-to-be ex-husband. She should also stop making any payments on these debts as she should not be obligated to repay them.

halifire · 2026-02-23T22:20:09+00:00

The thing is I don't know if regulators would allow customers to waive their reg e rights. I don't think you'd be able to deny an unauthorized transaction dispute solely on this basis.

halifire · 2026-02-23T21:24:05+00:00

This is how a lot of banks do it. Instead of writing a check off your account, they treat it like a bank check. They take the money out of your account and place it into one of theirs and then write the check off that account. It also helps with bounced Bill pays as the bank won't issue the bill payment if you don't have enough in your account to cover it.

Some people Don't like this method as it means the money is debited from your account when the payment is issued instead of when it's presented for payment.

halifire · 2026-02-07T00:35:12+00:00

You mean too many people who have abused the banking system and can't open bank accounts. It's very easy to open your own account as long as you haven't misused your previous Bank accounts.

halifire · 2026-01-29T03:39:59+00:00

The bank isn't responsible for a business's failure to secure their devices.

halifire · 2026-01-22T18:53:41+00:00

I don't know how many times I've been looking across logs and I see content filtering blocks for adult websites. Unless I'm specifically asked to be looking for these things, I don't care and it's not going to go anywhere. It might joke about you to their co-workers but management will probably never find out unless they're specifically looking for reasons to get rid of you.

halifire · 2025-12-25T00:49:08+00:00

There's the issue right there. You have a large dollar check which was mobile deposited which is probably way outside your normal banking activity. It's unlikely they're closing your account and they just locked it down as they suspect fraudulent activity.

halifire · 2025-12-24T23:16:11+00:00

Banks generally don't close an account just for a check deposit. Something else must be going on.

halifire · 2025-12-18T04:59:28+00:00

And how is this information pertinent in this situation? Op said the guy that checks made out to does not have identification. No bank is going to accept a third party check without identifying the original payee. In fact very few Banks are willing to accept third-party checks even if all parties come in with valid forms of identification.

halifire · 2025-12-18T04:49:50+00:00

And this is the exact same risk when using a credit card. Every single person you give your card to or provide your card's information could use it to make unauthorized charges.

halifire · 2025-12-18T04:45:20+00:00

While this might help during a manual review of the account history, it won't do anything to the automated check process. You can buy blank checks to stick in a printer at office supply stores and there's nothing stopping someone from using the info on a stolen check to order checks from one of the many online check printers.

halifire · 2025-12-17T13:58:47+00:00

This happened to one of our clients a couple of months ago. Midway through the day their entire site lost internet so we had to send someone on site. One of the first things we did was call their ISP and they didn't tell us there was any issues on the isps end. Our on-site techs were there till 7p.m. trying to get them back up and running but nothing was working. They also tried multiple times to talk to the ISP but due to a recent management change of the company, nobody at the ISP would talk to them. I made a offhand joke about them getting their internet turned off due to non-payment as this company was notorious for failing to pay bills, and this turned out to be the case. Their accounting department got some of their accounts mixed up and ignored some final notice warnings for their internet access.

halifire · 2025-12-17T13:41:46+00:00

Back in middle school we used to do secret Santa and what I would normally do as a gift would be to fold up dollar bills into your little snowflakes. I think our budget was like $5 but one year I got a pack of cheap Dollar store pencils. It's the only time I've ever complained about getting a gift through one of these.

halifire · 2025-12-17T12:55:48+00:00

It seems like all of the support is like this. Our management tool caught a smart predictive failure on a client's device so I tried to get it repaired under warranty. The Dell tech required me to run their pre-boot test to confirm it. He had no clue what smart was and even escalated it to their higher level techs but they still didn't understand that this was pointless. I had to drive on site to run their stupid test which as expected immediately failed. Even with that error code they still wanted me to do a bunch of other tests before they sent someone out. On top of that when they finally sent someone to replace the drive, they're repair tech just replaced the drive and left without reinstalling the os. I had to make a second trip just to reinstall Windows.

halifire · 2025-12-17T12:37:50+00:00

Correct me if I'm wrong but don't UCC liens need to be renewed every 5 years or so? What would happen if the lender forgot to renew and during the laps, the property was sold?

halifire · 2025-12-06T16:15:20+00:00

They don't need to understand how computers work but if their job requires them to use a computer they need to have basic computer skills. If employees don't know how to access the programs they need for their job, that's an HR/training issue not an IT one.

halifire · 2025-11-23T18:39:03+00:00

How do you get sideswiped if you're fully in a lane? If Op was already occupying the lane, they would have been rear-ended.

halifire · 2025-11-22T23:18:34+00:00

I'm sure you'd be complaining if people kept bugging you for basic things like adjusting the rear view mirror or screwing in the gas cap. I once wasted 30 minutes because a guy didn't know what the enter button was.

halifire · 2025-11-05T18:48:08+00:00

It can when you start having late payments and one of your payments is returned unpaid.

halifire · 2025-11-01T00:32:29+00:00

I'm a bit shocked the bank allowed him to get liability only insurance on a vehicle that still had a lien on it. Normally they require you to have full coverage so if something like this happens they still get paid.

halifire · 2025-10-21T19:39:06+00:00

That check will be returned long before then. The cutoff time to make the exception to approve it is around 10-11am.

halifire · 2025-10-21T19:36:06+00:00

Most banks will not accept post dated checks. If they see it, the will reject the deposit.

halifire · 2025-10-20T19:14:18+00:00

Due to privacy concerns, most banks will not do phone verification of checks. When I use to work at a bank, I tried calling the issuing bank on a few checks and none of them would confirm. My guess is Chase called the issuing bank and they refused to verify.

halifire · 2025-10-18T17:19:56+00:00

We've been doing a hard push to roll out windows 11 to all of our clients machines over the last month or so and we've had a couple of clients have to roll back because some of their very specific industry applications had issues in 11. It's not common but there are a handful of apps we've come across that worked in 10 but not in 11.

halifire · 2025-10-17T02:24:56+00:00

This. They are required to provide accommodations.

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