Richard Alderman's archive

Q. My ex-wife and I signed a note to buy a car. Our divorce decree clearly says she keeps the car and she is obligated to pay the note. She has stopped paying and now the bank is asking me to pay because I also signed the note. What are my legal obligations?

A. Basically, a divorce decree is between the parties to the divorce. It does not affect existing creditors. In other words, you and your ex-wife have agreed that she will pay the note. As far as the bank is concerned, however, you both still owe the money.

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Q. I co-signed for my ex-boyfriend’s truck. He recently filed bankruptcy and included the truck. The lender now says I have to pay. Doesn’t bankruptcy mean you don’t have to pay?

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Once again, it is time for the “People’s Law School,” the oldest and most successful law program for the layperson in the country! This is your chance to learn more about your legal rights, and have fun at the same time. Best of all, it is absolutely free.

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Once again, it is time for the “People’s Law School,” the oldest and most successful law program for the layperson in the country! This is your chance to learn more about your legal rights, and have fun at the same time. Best of all, it is absolutely free.

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Q. I went to pay for something and the clerk said, “Cash only.” Is it legal for a store to refuse to accept a check or take a credit card? I thought a check was just like cash?

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