RBC Visa in Collection
I need help! My wife and I are separated since 2004. In 1994 she was issued an RBC Visa of which I was the secondary card holder. This was issued in British Columbia and when we moved back to Ontario, the account was transferred here. I dont believe I was co-applicant. In 2006 we sold the house and paid off all debts including the RBC visa. I went to the bank and tried to take my name off the card but was told the primary card holder has to do it and I cant do it myself. She didnt want to. I was stupid enough not to send a letter stating the fact. At the time I didnt think I was liable as I stopped using the card and was not a co-applicant. Since then RBC has sent other cards to my previous adrresses that were never activated and never used. Jump to 2010, the ex-wife declares bankrupcy with a $20,000 debt on the card. She is suffering from a mental illness and alcoholism. RBC collection is going after me. I have yet to response to them but told them on the phone the above circumstance, yet they still threaten legal proceedings , garnishing wages etc..Am I liable for this debt. I will request a copy of the original application from them. I havent receive any statement for years. Before the statement had two different card numbers and two different account numbers. Please help.