Question by  nmurdock (25)

Can debt collection agencies go after me for my husband's debt?

I need to know if I am responsible for my dead beat husbands debt.


Answer by  malone (4817)

There is no "technical" about it. A spouse is responsible only for debt to which he/she signed a contract. While joint accounts and joint assets can be attached, a wife's (e.g.) checking account or wages cannot be attached because of the husband's debt. Read the FDCPA.


Answer by  malone (4817)

You are NOT responsible for your spouse's debt. Collectors will tell you that you are, but you are not. Your joint bank accounts can be attached because his name is on them. But unless you are signed on the contract, you are not involved.


Answer by  John (9008)

The rules for this vary from state to state. In general, if the debt was incurred during the marriage, you may be responsible.

Reply by malone (4817):
Debt collection is a federal matter governed by the Fair Debt Collection Practices Act. It is not a state matter. A spouse is only responsible for debt to which he/she is signed, NOT the debts incurred by a spouse.  add a comment

Answer by  tamarawilhite (17883)

If the debt was acquired during the marriage or if your name is on the loan as well as his, yes, you are also responsible for it.

Reply by malone (4817):
A spouse is only responsible for debt to which he/she contractually signed, otherwise called a "joint account."  add a comment

Answer by  Roland27 (16334)

Yes, you are technically. It would be the same if someone with debt was marrying someone with money. They are able to take the money from the other spouse.


Answer by  Jewelianne (0)

If the card was solely in your spouse's name, you are not personally responsible for the payment. Assets and debts accrued during marriage are considered joint property in community-property states. The states, AK,AZ,CA,ID,LA,NV,NM,TX,WA,&WI you could end up being responsible for the credit card debt. Check your state laws for details.

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