A divorce decree/separation agreement stating who is responsible for certain bills/debts will NOT get the company to change the name on the credit card/loan. My ex and I went through the same thing. If she fails to pay-it will reflect on you, because your name is on the credit card. Again, this is based on experience. Going against everything in our separation agreement, my ex H stopped paying EVERYTHING. He didn’t pay the cards, or even the mortgage. I sent them all copies of the divorce decree/separation agreement which stated he was responsible for those debts and got back a multitude of replies stating that the agreement was between me and him, not them and that all they cared about was the name on the card. Since he wasn’t sending the payment, they came after me. He didn’t even take all the debt, we split it down the middle and he defaulted on it. He filed bankruptcy for protection, which put 100% of the debt on me and forced me to do the same (bankruptcy) months later. Does she have a family member that would be willing to co-sign a loan for her so that all those cards could be consolidated into one loan with her name alone on it?