I'd recommend cancelling the joint bank account (My ex and I wanted to keep it (either for him or me...) and just change the 'joint' to 'individual' but the bank said we had to cancel it in its entirety, and then open separate ones) and opening up your own. Deposit to your own, and pay the bills from your own that you are responsible for. (What if your ex starts writing cheques that bounce, takes out the max for overdraft etc...Your credit rating is in jeopardy if you leave this joint).
The LOC my ex and I have still joint, but we immediately froze it so no more debits could be made against it, and only payments/credits. We both match each other every month which is lucky...but realistically if he doesn't pay it's my credit rating, or vice versa.
I'm don't have any answers for your other questions...will have to wait for someone else with experience in those areas, or suggestions to comment...Might be worthwhile starting a new post. Also do a search through past threads/posts for some keywords to see if you can find any past information on these topics.
The LOC my ex and I have still joint, but we immediately froze it so no more debits could be made against it, and only payments/credits. We both match each other every month which is lucky...but realistically if he doesn't pay it's my credit rating, or vice versa.
I'm don't have any answers for your other questions...will have to wait for someone else with experience in those areas, or suggestions to comment...Might be worthwhile starting a new post. Also do a search through past threads/posts for some keywords to see if you can find any past information on these topics.
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