Thank you, XXXXX XXXXX what I wanted to know.
Then the answer is no - you are not liable. The only way you could be liable is if your name was on the account, or the money was spent for the benefit of you or the communal estate, which is was not because you are separated. You can tell the creditor this, and add that if they call again, you will file suit against them under FDCPA for threatening
legal action that cannot happen - 15 U.S.C. § 1692e.
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