 If you found out that a credit card issuer made a huge mistake that worked to your advantage would you? |
| take the money and run or let them know? Does the company have any recourse to reclaim their money if they find the mistake? Think about how much money you're giving the card companies before ... |
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 How to Kill A CREDIT CARD? SAFELY? |
| Killing a credit card is big process because banks are there to save them. Still so many people are having problems because of credit cards & so called charges which banks will take from your ... |
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| I have been paying HFO services £5 per week for the last 2 years,if not more, for a Barclaycard debt of £420.surely its paid off by now!!!!!Do i have the right to cancel my direct debit and how do ... |
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 Why am I not approved for a credit card? |
| I am currently a 21 year old college student. I applied for a credit card twice, but got rejected. It stated I had insufficient credit history and housing. What exactly does that mean? Anyone have ... |
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 Why are credit cards bad? |
'm doing homework on Credit cards and I need help figuring out why they are bad and why people shouldn't get it.
I need only bad reasons, so no answers with why you should get one. T... |
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 Do verbal contracts stand up in court? |
| i have agreed to something over the phone which they said was recorded and i cancelled about two weeks later,they kind of tricked me saying i had spoken to them before and i got a bit flustered ... |
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 Is 500 a good credit score? |
| yes, that is my credit score.... |
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 Bought something online with debit card never got iteam.? |
| I recently bought a iteam online with a debit card, and they say they send me the iteam, but i never received it. So what should i do?... |
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| No kidding my friend works for the credit bureau and that's what she told me.... |
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 Can some one please help me with collection agencys?? |
| I have no credit,but I've got about 6 collection agencys on my credit reports for medical bills,and I'm not sure how to clear it up?The doctor's I had do not except payments,so after ... |
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 I paid off my credit card balance & closed the account - but I again have a balance? |
I paid off my $2,000+ balance on a high interest credit card recently. After a few days, I confirmed that my balance was $0, then I closed the account.
The next month, I received a ... |
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 Should I close an unused credit card account? |
| I have a credit card that I misplaced awhile ago and haven't used it since. I got another card from the same issuer with different benefits, but its something that I'm using to replace the ... |
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 What is the purpose of signing the back of the credit card? |
When you activate the card the sticker says to also sign the back of the card. I never sign my cards, and the cashier people never mind. What is the purpose of signing the back anyways?
A... |
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| MONEY ORDER- so i am a teenager and do not have credit card or check -can i still use money order -10 pointss |
| for best answer. i want to order some socks from journey's and they say u purchase it at the postal office and also do u make the order at the postal office and give them cash right there and ... |
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 I discovered a secret credit card.......? |
| I just got my credit report and noticed my spouse has a "secret Credit Card" with a balance of about 4000.00. I am annoyed and hurt that I was not made aware of this card. What do I do next?... |
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NYC | I just got married 2 months ago. Am I responsible for my spouses past debt? Need help NYC? |
I recently married and now I am being tagged for my spouses past debts. Is this legal? My name is not on any of the cards and I never signed anything. |
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scifidiva
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"In most cases when you become married, your and your spouse's credit combine. So now, both of you are responsibile for the credit."
HOGWASH !!! WRONG, NOT TRUE !!
You do NOT automatically become liable for your spouses debts when you get married, in ANY state. NY is NOT a community property state, his debts are his, yours are yours, forever and ever !! You are in NO WAY responsible for HIS debts, not even AFTER marriage.
Not even in a community property state is a spouse liable for the pre-marital debts of the other.
If a debt collector or creditor is harrassing YOU to pay HIS debts, tell them to pound sand, you are not legally liable in any way - ever. |
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Megan R
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I believe that depends on the state. Here's something that happened to me though. My husband had a credit card and we put me as an authorized signer. In some cases that doesn't affect the authorized signers credit, and in some it does. We didn't realize it, but the company had a clause in the account agreement that said they'd report to my credit. They can do this even with just your name (credit bureaus can be matched with just a name and address). |
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psw
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A friend of mine had the same thing happen 6 years ago and they stuck with the marriage. They wish they had gotten divorced or an annulment on the spot. My friend ended up struggling to pay of the old debt and the new debt. If your new spouse had that much debt before the marriage just think about all spending they will do now with your income, which is what happened to my friend right now. |
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jakob w
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not at all, only debt that you incure together or any credit that you get together ie;home loan. auto loan, or credit cards. |
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Rock_N_Roll_Chicky
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It is legal. They say before you get married find out all the dirty little secret including credit score, debt. Make a plan with your spouse to pay off the debt. If anything and you do mnot trust they they can budget correctly have your own savings witha general house fund. Split your checks in half |
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totalstressor
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Not sure. I know people who don't get married for that very reason. A girl I used to work with lived with her boyfriend for 6 years, but would not marry him b/c he owed the IRS so much money. I would cosult an attorney. Whomever is trying to collect from you I would call them and say I am not responsible for this debt and send a copy of the marriage license. Bill collectors are dirty and will do anything to collect on a debt...that's how they get paid. They try to scare you so you will pay. If they don't stop after speaking to them - tell them you are going to contact your attorney for harrassment and false information (saying that you have to pay the debt) if they ever contact you again. If they do contact an attorney and have them write a letter. Also, tell your new spouse to pay off the debt! |
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.
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legally no i dont think so..morally yes you are...hey thats life.. always remember...we cant take it with us... |
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Daniel
 |
Yep, that's part of the program. You are not legally responsible, but your names are joined and your name will pull up their records and vice versa.
You can do a lot to solve issues of past debt by disputing the contents of your three credit reports. Start here: https://www.annualcreditreport.com/cra/index?currState=FL&ion=S
Sincerely hope this helps!
Daniel
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Frank Castle
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I suggest you to file for a divorce and tell him you will marry him again after he has paid all his debts and if his credit score is above the National Average. |
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Superstar
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You made a mistake marrying a financially irresponsible woman. Legally you aren't responsible, but practically you are since if you own property together or share bank accounts creditors can go after your money. Since she is your wife, her problems are your problems. She must have many good qualities to offset her money problems. I'd help her pay off her debt rather than trigger a bitter argument with long range repercussions. She may need to file bankruptcy and certainly needs financial counseling. |
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rmaniac
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NO, it's not your problem if you did not co-sign/ guarantor.
See an attorney if collection agency is asking for money from you.
However, if you have a shared account and there is a default judgment(summons served and hearing not attended, judge may set default judgment), a bank account can be frozen to all. However this is usually after attempt to garnish wages of the person who created the debt, not you.
Again check with an attorney ASAP, because default judgment also may include interest from the original debt not balance. |
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ddevilish_txnfml
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In most cases when you become married, your and your spouse's credit combine. So now, both of you are responsibile for the credit. |
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alyssa
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then no its his debts its his problem hes got a job let him pay for it |
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BlueAngel
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Look at your divorce papers. There should be a clause stating that you are only responsible for the debts you accumulated while married. |
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Smallwood c
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you are married, that states the law right there. whats his is your, and your is his. You share banks accounts, you no longer have your own money, you have the combination of both your monies, rather it be all your deposits or his. |
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Daniel M
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legally yes, unless you get divorced. Personally, and this might sound harsh. If your spouse and you never discussed this issue and they didnt tell you prior to getting married, and there are no kids involved, get the divorce. |
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gypsygirl731
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Iam confused of who you mean current new wife then no nto obligated.. but past wife during marriage yes ,,No any past debt you can fight that.. if you were to make new debts then you are responsible for it. Some would argue you took on the package when you got married. It is legal to have them send you bills. Always check in future about your mates possible credit. This marriage is off to a bad start. You better to the accounting in it. Anything owned before marriage is legally yours too in case you do get divorced. anything made before marriage is their responsibility. Perhaps you can call a lawyer for free consultation. In NY tho i know anything before marriage is the person who made debt responsibility. Debtors are trying to get paid thast all and they can ask you but your not required by law to pay it if you fight it. |
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