I am in Texas
Once a debt has been handed over to a debt collector is it a criminal or civil matter?
My ex wife is a foreign national. I allowed her to be an authorized user on my amex and master card. I got her an amex and mastercard with her name on so she could use them to buy food and stuff. We got divorced and I cancelled her as a user on my credit cards. She kept using them for 4 months after the divorce was final. Can I file criminal charges against her for fraud? The day before the divorce was final she flew back to Italy and used those cards in Italy. Apparently the merchants accepted those cards, because the friggin bank didn't follow my instructions. She is saying that she didn't know the divorce came through and that I cancelled the cards because the merchants accepted them when she bought food and other stuff. Now they are saying I must pay. What can I do?? I asked on another forum and they said it is a civil matter and I am liable for the whole amount.