How do I find out all of my debt, in collections and past due?

I'm going thru a divorce & learning of thousands of dollars in collection & more that are delinquent & on there way to a collection. Yesterday I learned of a credit card company that will settle for a % of the debt. I contacted this company & informed them that I have never applied for a credit card in my life. They had all of the personal info on me needed to apply for a credit card. I have a feeling that my soon to be ex applied for & received a card in my name. They informed me to go to the police dept. & fill out a fraud/identity theft form. Is this the correct action to take? I had trusted that my ex was taking care of our finances but apparently she wasn't. I will probably have to file bankruptcy. Should I do this after our divorce is final and the debts are divided or file together with my ex, before the divorce is final? I obviously want to know ALL of my debt that is out there. How do I go about finding this out? SOMEONE PLEASE HELP ME!!!!!!!!!!!!!!!!!!

For starters, I think that you are wasting your time with the police and the fraud/identity theft complaint. Since you are married they may have considered you a user on the card. I'm not sure if you are liable, you would need to check your local state laws, or better yet ask your attorney. (sorry, everyone tells you that but in this case you need to).

I'm going to bet he will recommend that you file for bankruptcy. I would certainly do it before you are divorced, but don't do it joint. Once you file, she will be responsible for all the debts herself, unless she decides to also file bankruptcy.

Include it in the divorce that she is responsible for those debts...