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Is My Spouse Liable for My Credit Card Debt?

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kim09

Joined: 10 Oct 2009
kim09's page
Posts: 22

14 Magic Points

Subject: Is My Spouse Liable for My Credit Card Debt?

Mon Oct 26, 2009 3:03 pm

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debranewell2008

Joined: 10 Oct 2009
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Posts: 594

99 Magic Points

Mon Oct 26, 2009 3:56 pm

I know there's more people on here that can answer this with more knowledge than me. But I believe As long as your wife's name wasn't on the account then she shouldn't be responsible. But I may be wrong on that part because I have heard that if you are married then you are responsible for each others debts. As far as the Bankruptcy goes it all depends on which you file. If you file chapter 13 then you would include them in your list of creditors and part of your payment would go to them. If you chapter 7 it should wipe the slate clean and you would owe nothing.But I'm not sure about after the judgment served. Is there a reasoning you are waiting to file?

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1240

28942 Magic Points

Tue Oct 27, 2009 6:21 am

Hi Kim,

Generally a non signing spouse is not held liable to pay the debt. If you have signed together, then obviously your wife is also liable to pay. However, in some states like Arizona, Idaho, Nevada and some others, the non signee spouse might also be liable to pay the debt, if the credit money was used for the couple.

You can file bankruptcy, but that will not help to get rid of the debt. If you file chapter 7 bankruptcy, then you have to sell your property to repay the debt. In case, you file chapter 13 bankruptcy then you will have to settle for a repayment plan to pay it off. Hence, you will still be liable to pay it off.
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Justin

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Tue Oct 27, 2009 10:41 am

Justin, I believe you are talking about the states where the communitive property law is in effect. There are some states that do not have this law. In those states the wife would not be held liable...correct.

Dee
Guest

Subject: Debt

Tue Nov 03, 2009 9:50 pm

Is my spouse responsible for my debt. We have only been married for a few months when I got sick.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Tue Nov 03, 2009 11:48 pm

Hello Dee, Was the credit cards open before you were married/ I can not imagine that credit card debt aquired before marriage would count against the new partner. One of the more skilled here may have a different answer but I would not believe this to be true. As you see from earlier on in this post sometimes it is state depending.

jim parham
Guest

Subject: credit cards

Mon Dec 21, 2009 4:06 pm

in georgia,the law clearly states,if you are the only one on the credit card note,no cosigners,etc etc,only you are lible in unsecured credit cards, not your spouse,

Kimt
Guest

Subject: medical debt

Mon Mar 01, 2010 9:59 pm

In GA am i liable for my husbands medical debt from a preexisting condition?

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675

48566 Magic Points

Subject: medical debt

Tue Mar 02, 2010 6:43 am

Hi Kimt,

Georgia is not a community property state. Thus, you are not liable for any kind of debt incurred by your spouse, if you have not co-signed it. However, you can still check the laws of your state.

Hope this helps.

Regards,

Aaron.
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donald babson
Guest

Subject: debts

Tue Jun 01, 2010 8:43 pm

if somethings happens to me, would my wife be liable for my
debts if they were just in my name? i live in north carolina.
my credit cards and my car loan are just in my name. thanks

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675

48566 Magic Points

Subject: reply

Wed Jun 02, 2010 10:32 am

Hi,

I have answered to your query at http://www.creditmagic.org/debt/card-liability.html#47037 .

If you need to ask anything else, feel free to discuss in the forum.

Thanks,

Aaron
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bl
Guest

Subject: ga debt and marriage

Thu Oct 13, 2011 10:10 pm

if i incurred credit card debt before a marriage, will my spouse be responsible for the debt after our marriage? Can a lien be placed on a home that is signed by both of us after we are married for the same debt?
Thanks to all,
bl

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