SPIFIMAN1
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What a bunch of lame answers.
If everything is as you state, unless you live in a community property State like AZ, CA, ID, LA, NV, NM, TX, WA or WI then there is nothing any creditor can do to your wife.
Only exception would be if they went to court and got a judgment, then they could take 50% of any money in joint accounts if you have any. |
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jv
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The only way your wife can be held responsible is if she is a secondary cardholder. Since her name is not on the account they cannot come after her they can advise her of the debt but cannot go after her for it because she did not sign a contract with them you did. |
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conyers
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If she is not a joint owner, no she will and cannot be held responsible. |
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dfudge50
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I worked for a bank. No they cannot go after her for payment. However, if it goes into collections and you have a joint bank account they can take 50 percent of what is in it up to what is owing on the credit cards. |
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daeve930
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Only the person who's name is on the card is responsible for the card. Even an authorized user isn't liable, just the card holder. So if your wife isn't a co-cardholder with you, no she is not responsible for your credit card debt.
PS: You mean DEBT, not DEBIT. Two different things. |
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Kourtnie D
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In the eyes of the law the person whose name and social security number that was submitted to obtain the card is responsible for the card. Doesn't matter if your married or not. Anything that has your name on it even if it is joint with hers is subject to garnishment if your state allows. so I guess separate your checking accounts.
with that being said please consider that whom ever you may be married to, related to or live next door to will have to deal with creditor harassment should the card not be paid. No matter what they can not be held accountable, as long as they stay calm seek good counsel and not buy into the creditor threats.. . .
kourtnie
www.debthardship.net |
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ithinkineedahug
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no. they are in ur name not hers. |
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R. Way
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By what I was told, the 1st name is the primary, and that is who is held responsible. So if you get a divorce, and she runs them up, guess who gets stuck with the bill. |
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cassie
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Your wife's credit will not be affected by your inability to pay back debt that is only in your name. |
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terry h
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it doesn't matter which state you live in, no one is responsible for anyone's debt but themselves!!! if they win a judgement against you, they can and will attach any assets you own singly or jointly. thats the only way your wife can be affected. go to dave ramsey.com and research this topic and how to dump all your debt and start living on a cash only basis. life is so much happier when you owe noone. |
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Lea
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spifman is correct!! community property states says it all. If you are in one then yes, if not, the answer is NO |
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askmeguru21
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Yes and no it depends on alot of things. Did you include her salary in obtaining the credit card, put her name on the application do you have any other credit cards or credit lines with her. If they can't connect you two together financially then she has nothing to worry about. This doesn't mean they won't attempt to so get ready! |
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rukidden99
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As long as you are sole owner. No. However if it escalates to a situation where they try to attach your property it isn't easy differentiating between your property and hers unless you file seperately on everything you do. |
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madaline
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No, your wife cannot be held legally for your own credit card debt 'directly'. However, your credit card debt can affect her indirectly if you two have a car or a house together because your credit score are now tied to hers on mortgage reports. So, if the debt collector cannot get money out of you, they would be able to sue for your house, which legally you own half. This will then affect your wife. It is just that your wife cannot be held responsible for your debt directly, but her financial status maybe affected by your bad credit indirectly.
Before you do anything, please talk to your wife, and see how she feels. Chances are you can apply for a low balance transfer fee for a while, and try to pay off all debt slowly. You can also worked out a consolidation package with all credit cards, but make sure you don't pay more fees to the consolidation company than you pay your credit card each month.
good luck! |
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Jennifer M
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It will depend greatly on what state you live and and how community property/liabilities are handled in that state. Florida for instance; debt acquired during the marriage is shared but prior to the marriage is not.
Maybe you can find out what agency regulates consumer debt in your state and look for answers on their site/or by calling. |
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bdancer222
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If you are in a community property state, yes. In non-community property states, no. However, if the collectors get a judgment against you, they can and will attach joint bank accounts and jointly owned property. |
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north b
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The creditors will start harrassing her right away if they find out you cannot pay. They will ask to talk to her everytime they call. Yes she would be responsible. |
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hmark
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If her credit history is linked with yours, then the answer is yes. |
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Scott M
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You are receiving a lot of answers that contradict each other on this one.
If your credit cards debt is past due, you make late payments etc. It affects only your credit score, however, when you are married, you and your wife in many ways, legally, become one. Your bills are her bills, her bills are your bills. It may not affect her credit but she is responsible for your debt as you are for hers. This is especially true with taxes. And of course if one of you pass away the other inherets all of the debt. |
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Emanon
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Yes, you are married therefore you and your debts are linked. |
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the gr8t one
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Any relative can be held responsible,and they will use phone books to harass em too. |
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Cheryl B
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If you are married, you are jointly responsible regardless of whose name is on the card.
If you deliberately get card and charge them up just so she can be responsible remember that you are also still responsible for getting them paid and it is on your record as much as hers. But if you deliberately charge just to stick her with part of the bill, I could be wrong, but I think there are some legal problems here also. |
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