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john ulzheimer is known as one of our nations most recognized credit experts having worked for 28 years in the credit industry john has become one of the most prolific speakers about credit and the go-to authority on answers to credit-related questions credit countdown with john alzheimer hey there this is john alzheimer and today were going to talk about something thats either really pleasant for you or really unpleasant for you divorce uh not necessarily the whole process of divorce and why youre getting divorced and whether divorcing your spouse was a good good idea or a bad idea um or if youre bummed that youre devout your spouse served you with divorce papers uh its really about what is the effect of a divorce settlement or a divorce decree on joint liabilities so liabilities or debts or accounts where both you and your ex-spouse are listed as a obligor or a co-obligor and thats not uncommon its less common these days for things like credit cards but its certainly not u