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Are You Responsible For Your Ex’s RV Loan?

So you’re getting a divorce and unsure just who will be responsible for footing the bill for the RV loan. One of the most important considerations on debt repayment after divorce concerns who signed on for personal liability to repay the debt.

Even if you have never driven the motorhome or used the travel trailer, you could surprisingly find yourself on the hook to pay for a spouse’s RV!

Shared Debt Is a Problem in Divorce

It all comes down to whose name is on the loan – not who actually retains ownership of the motorhome per the divorce settlement.

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Though the former spouse could be awarded ownership of the RV, if your name is on the loan, then you could be on the hook for loan repayments too, according to Stacey Johnson at MoneyTalksNews.

And yes, even if you signed ownership of the RV over to your former spouse, lenders could still come after you if your name is attached to the debt and you’ve agreed to be individually responsible for repayment.

One article commenter noted,

I was in that exact position over 10 years ago. I had to negotiate with the lender to get the debt reduced for something i’d never even driven. I was able to get the debt down a little and I got it in writing that there would be no negative marks on my credit. It was a good thing too. Several years later I found this debt on my credit report with a note that it was discounted due to bankruptcy. The bankrupcy wasn’t even mine. I called the bank, waved the signed agreement in the banks face and forced them to remove the negative marks. Remember, always get it in writing.

And if you live in a community property state, such as California, Arizona, or Idaho (among others), you could still be responsible for debts taken on by the other spouse – even if you weren’t aware at the time!

For more information on loan repayment for an RV after divorce, read this excellent article at MoneyTalksNews.

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