Well we had a joint bank account for the mortgage/house expenses, etc. I have not used the account since we split in 2003. He continued living in the house until last year when it was sold and we split the profits.... I assumed that closed all accounts. Apparently he continued using the account and it's now overdrawn. Am I liable? I've never been contacted about this before. I was informed that the account has been closed. I have no idea where the 'x' is now.