My husband and I are legally separated since 2008. Before getting separated he borrowed money on my credit card and was supposed the pay the payments even after our legal separation. He later stopped paying and eventually filed for bankruptcy. The credit card was under my name alone ,and for the past two years the credit card company has assigned my account to one collection agency, then another. In the past 3 weeks, I have been getting phone calls and letters from an attorney's office (now 3rd collection person) for collection. I almost settled with the 2nd collection agency when they told me I will receive a 1099 (income) for the balance of my debt. I told them if I had the money I would have paid the credit card company to begin with. Therefore, I didn't settle. What is my legal right in this situation, and if it were you, how would you handle this. Thank you in advance for your advice.