Parting Gifts

Posted on by stilllearning2b

My ex made sure that I didn’t leave the marriage empty-handed.

No, he gave me a parting gift.

Or actually, gifts.

And they keep on giving.

 

He left me with several unpaid (and unknown) debts in my name as well as an unpaid mortgage on the house he obtained in the divorce.

I thought I knew about all his gifts, but it turns out there was one (oh please, let it be only the one!) hidden for later discovery.

 

I finished paying off the last of the debt in my name last month after a generous gift from my father. Last night, I logged on to Credit Karma to check to see if the account had been marked as “paid.”

It had. But something else caught my eye.

It turns out my ex never made the last four payments on his car after the divorce. Yeah, the car he also obtained in the decree. Oh, and it goes without saying that my name was on that note as well.

I really hope karma was paying attention and notified the bank of his location so they could repossess the thing.

The part that makes me the angriest? My car is on its last legs and he got the “good” car and didn’t even pay for it.

Not that he’s paid for anything.

Sorry, frustrated today.

 

It’s the rare person that escapes divorce without some parting gifts.

For many of you, negotiating the custody and care of the kids is a constant source of stress.

Others are like me and face the ongoing financial burdens from divorce.

There can be ongoing health issues, employment concerns, housing difficulties.

Divorce certainly keeps on giving long after the papers are signed.

 

Amidst the frustrations of the night, I have some celebrations.

For the first time since the divorce, I was able to fully immerse myself in my credit report without any anxiety. Whereas before, I would either avoid looking or flood with anger and fear, this time I was able to be detached and unemotional. For the first time, I actually feel the hope. I’ve paid off everything I need to and, starting in 2015, the negative marks will fall off my record for the next few years. I can’t wait for the day when the only sign of him on my credit report is found in my former name.

This is also the first month in years where I do not have to make a payment on an account that paid for the honeymoon with the other wife and assorted other (and unknown) betrayals. My paycheck is mine.

I also am more aware than ever that the divorce was a gift. Even if it was wrapped in some pretty heinous packaging.

 

Cutting the Last Tie

Posted on by stilllearning2b

It’s going on two hours now and I can’t stop crying.

 

I thought I had six more months. That’s what I had paced myself for and steeled myself for.

But I don’t have six more months.

I have one.

One more month and the last tie to my past is cut clean.

 

I received a generous birthday gift today that will allow me to pay off the rest of debt from my ex. He left me with so much to pay – lawyers, doctors, court fees, insurance, utilities, car payments.

And two credit cards in my name.

One of them made me angry but didn’t make me feel violated. It was used for furniture we owned and I was told it was paid off (as per our agreement) before the end of the one year grace period on interest. I was angry that he didn’t pay and I was left holding the bill, but at least it was for a joint purpose.

As for the other?

That’s different. I never checked the account because it was only supposed to be an emergency line of credit. I guess we had different definitions of emergency. After he left and I first saw that account, I felt a weight press down on me.

Its balance was equal to my take-home pay for one year.

The activity showed expenditures on his honeymoon with the other wife as well as large transfers to a card in his name and multiple cash withdrawals.

I’ve been paying on that account for years, trying to mitigate the sick anger and disgust with every payment by including a note of gratitude in my “July disasster” file.

I’ve been carrying the weight of that account for years, cash-strapped as a significant portion of every paycheck has gone to fund whatever lies he was living.

 

This gift today is a gift of freedom.

Freedom from the emotional burden of that damned debt that’s like a monetization of his lies.

Freedom to receive my entire paycheck for the first time in five years without paying for the mistakes of the past.

Freedom to begin to save to finally replace my car.

Freedom to build without encumbrances – looking forward and paying forward.

 

I can breathe.

But I still can’t stop crying:)

 

Do As I Say

Posted on by stilllearning2b

Do as I say.

Not as I do.

I talk about how whatever we nurture, grows. I discuss starting with the end in mind yet still starting at the beginning. I believe in the power of intention to drive our attention and, ultimately, our outcomes.

I say these things.

But in one area of my life, I haven’t been doing them.

One of the more difficult aspects of the divorce was the loss of the financial security I thought I had. Not only did I experience a dramatic drop in income between changes in teaching and tutoring, I also had to foot the bill for many of his actions.

In the beginning, my main attitude towards money was anger, as I paid and paid and paid for his transgressions. My pound of flesh had already been taken and now I was just scraping bone. So I found ways to address the anger. I wrapped the debt in gratitude, initiating a habit of writing something I’m thankful for every time I make a payment. When my mind wanders back to the hemorrhage of funds during the divorce that the courts were never able to recover, I turn my thoughts 180 degrees and focus on what I love in my life now. Things that money can’t buy.

The anger was eventually replaced with fear. That may have been good for the blood pressure, but it still didn’t help me sleep at night. I was scared of not having the needed funds to live. I was afraid of further nefarious action, bleeding the money even as it trickled in. The fear is still there, yet I have tempered it with reminders of the people that have my back in an emergency or with a brainstorming session of ways that I could earn money, if needed. It helps. But it hasn’t completely silenced the fear.

But that’s not really what I talking about. It’s a part, sure, but it’s a part I’ve been aware of and intentionally corralling.

This other thing?

I’ve been feeding.

For the last five years, a common utterance from me, both to myself and others, has been, “I don’t have money.”

It has become my unintentional mantra.

A guiding intention.

Whatever we nurture, grows.

Damn.

My all-too-easily rational brain has been excusing this habit as merely a statement of fact. After all, this is an area where some realism is called for. If I walked out of the mall laden with designer-heavy shopping bags, well…let’s just say there would be consequences. Like no gas in the car.

I need to be realistic about what I have to work with.

But I don’t need to allow my current situation become my intention.

Because the truth is, I’ve been busting butt to pay down my hand-me-down debt and to generate new ways of earning income. Right now, I may not have money. But tomorrow? Maybe I will.

I need to get out of my own damned way.

And nurture what I want to grow.

I WILL have the financial freedom to live the life I want.

I WILL be debt free.

And, here’s what’s probably at the root of it all – I DO deserve to be paid. I’m worthy of it.

I’ve recorded the mantras above over the old one on my mental cassette tape. The old intention may bleed through at times, but I’m not allowing it to continue to play.

Hopefully soon, I can say,

Do as I do.

 

I Did It. I Finally Did It.

Posted on by stilllearning2b
Dumbo Elephant Mural
Dumbo Elephant Mural (Photo credit: sameffron)

It may seem as though I have slain all of the demons from my past. I can look at pictures without tears. I’m no longer fueled by anger. I have let myself find forgiveness. I have learned how to trust again and I have found love.

But there has been one huge elephant of a demon that I’ve been afraid to face. One I have been avoiding, tiptoeing around its bulk so as not to disturb it. I’ve been good about pretending it isn’t there. That it doesn’t matter. And for a time, it didn’t matter. But that time is over.

Last night, I did it. I faced that final demon head on.

And I survived.

It wasn’t as bad as I feared it may be (it never is, is it?) yet facing it didn’t bleed it of all its power. But at least I know now what I am dealing with and I can feel good about not hiding from it.

I did it. I finally did it.

I checked my credit score.

I used to have perfect credit. I was anal about making payments on time. I had large credit limits yet low levels of debt. I found security in my number. Perhaps I even looked at that number as validation. I must be a good person, I can get a good interest rate.

Apparently, that number was too much for my ex to resist. In the last couple (I think?) years of the marriage, he used my credit. He used my honesty to fund his lies.

When all of this came out within days of the text, I felt huge amounts of shame. I was embarrassed that I didn’t know he was embezzling from the marriage (I counted on fraud alert, but it doesn’t protect you from spouses). I was horrified to receive threatening letters from creditors in my name (he was no longer around to intercept the mail). I was furious with him. I felt violated and used. Dirty. I wanted to wash myself of his sins.

I couldn’t face the enormity of it. I had my dad check my credit, looking for what accounts my ex had used in my name. I didn’t want to know numbers, only names.

In the divorce, most of debt was his responsibility, although he never fulfilled his end of the bargain, thus leading to a foreclosure in my name. A parting gift, perhaps? The few accounts in my name where mine to deal with.

For the last almost four years, I have been dealing with them.

Clean Up, Aisle 5

An Open Letter to the IRS

This is a Test of the Emergency Rant System

Practicing What I Preach

I paid the IRS and then received a refund once I was granted innocent spouse relief. I paid off one credit line. And I’m working on the last (the most horrific, both in scale and in emotion, because some of it was used to fund his pre-honeymoon with his other wife).

My cautious nature with money means that bills are again being paid on time. I’ve been able to begin to reestablish myself as a credit worthy individual. But I still couldn’t look at the number.

I saw it like a scarlet mark of shame, quantifying my misplaced trust and stupidity.

It’s also the only factor from my past that doesn’t only exist in the past. It still has the capacity to cause harm, to derail my future as surely as  my marriage.

But now I’ve faced that elephantine demon, sized it up. The starvation diet has been working; I’m sure its bulk has been reduced since it appeared. I now know the demon I am working with and I can move forward with the rest of my life.

I did it. I finally did it.

It’s Not Fraud If You’re Married

Marital Fraud: Questions Answered

Marital Fraud: Questions Answered

Posted on by stilllearning2b

My recent Huffington Post piece, It’s Not Fraud If You’re Married has generated some interesting and thoughtful questions. Here are the answers to some of them. It may make you think about your own situation.

Why don’t I take him to court to make him pay?

That’s a whole essay! Read it here: Why I Choose Not to Play Criminal Pursuit

Did we communicate about money?

My ex and I had discussions about finances (both the current state and goals) all of the time. It turns out; however, that he was feeding me lies, at least in the last several years of the marriage. I never had reason to doubt him and I saw occasional documents (now I know they were manufactured…did I mention he did graphics for a living?) that supported his claims. We had an agreement that any purchase above $100 had to be discussed with the other. I upheld my end of that bargain.

Did we live above our means?

Not even close! I drive an almost fourteen year car that I bought new in 1999 for $18,000. Until I received an iPhone last spring, I had a Nokia flip phone. Our house was cheap for the area ($130,000) and we put a substantial amount down. By the time he left, our combined monthly income was almost $6,000 after taxes and we only needed about $2,500 to live. Now, all of that being said, he did start to develop more expensive tastes. He purchased a 2005 Toyota 4-Runner (not the cheapest vehicle, but still a practical one for us), Kindle, and was on his 2nd iPhone. Of course, that was the stuff I knew about…

Where did the money go?

If you find out, please let me know! I have no idea where the money went. I discovered some purchases after he left, but they were rather small ( a videogame system, an additional bike). I also learned of trips and dinners/drinks out. But still, it doesn’t account for the copious sums he managed to make disappear (he could give David Copperfield a run for his money!). I could only track the money so far because it went into accounts that I did not have access to or was withdrawn as cash. Drugs? Gambling? A third wife? With this man, who knows? Yet another thing I have had to just let go of.

Why did he get the house?

He took out a home equity line without my knowledge. That meant that, at the time of the divorce, the house was worth what was owed on it. I had moved out of the house immediately and into a friend’s spare bedroom. I could not afford the house, literally or emotionally. It sat vacant during the 8 months of the divorce proceedings. I tried – through the lawyer layers – to convince him to sell the house. He did not cooperate. Then, he shocked us in court when he requested the house. He seemed to be under the delusion that it had equity. So, he got it. I guess he changed his mind once he realized it was a cash cow that he already bled.

Would a prenup have protected me?

Not really. All it would have been is another document stating that he owed me money. Civil cases take a certain amount of cooperation, regardless of prior agreements. I don’t think it would have made a difference at all to him.

Can’t he be jailed for contempt of court for not upholding the terms of the divorce decree?

Technically, yes. However, I would have to continue to push the system. And he would have to show up in court. There is a felony warrant out for his arrest. Last I knew, the IRS was trying to track him down. Do you really think he would show up at a hearing for not meeting terms of an agreement? Yeah, exactly. Plus, just to get to that point would cost me more money and steal more of my life away. No, thanks.

I realized soon after the divorce was final that I could either spend my life trying to punish him (and thus punishing myself in the process) or I could decide to live. I chose the latter.

For more information:

Who is He?

Where is He Now?

My Motivation

Accounting of Loss

And, to read about how I learned to love and trust again, check out my book, Lessons From the End of a Marriage.