His credit is horrible. I however,pay my credit cards off each month.We do not have credit cards or bank accounts together. My questions is can his bad habits effect my credit or for that matter effect me in any way. I am worried that because we are married the creditors will come after me!
2006-11-14 11:56:32 · 14 answers · asked by boxley4404 2 in Family & Relationships ➔ Marriage & Divorce
It depends a lot on what state your in but, in some states no it wont as long as your not on any of them, yet in some states it will because marital property is also debts, my best advice is call a lawyer and ask them.
2006-11-14 11:59:42 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Consult an attorney, or a CPA. If the credit card accounts were joint, I would close them. Since they're not, and I assume he's getting his own credit, you should check with the lawyer or CPA to find out how much you could be responsible for if he gets in real trouble. I'm not optimistic for you, because income in marriages is joint. I'd get on this RIGHT AWAY.
2006-11-14 12:03:46 · answer #2 · answered by Singinganddancing 6 · 0⤊ 0⤋
It will affect you. Why are you married if you don't live in the same state? Weird... but anyways, the creditors can come after you and it can affect your credit score. I don't necessarily condone divorce but if you aren't together how is this working?Obviously he's not worried about what his actions impact have on you. They will be looking for someone that will pay them back and since your the spouse you're first choice.
2006-11-14 12:06:02 · answer #3 · answered by Ray 5 · 0⤊ 1⤋
Since it's a seperate account, the creditors can't come after you, they would look for your husband for the payments.
However, it's best that you check with the law for your individual states just to make sure.
2006-11-14 11:59:50 · answer #4 · answered by iceybell 3 · 0⤊ 0⤋
We will!
I work for a credit card company, but it depends on what state he resides, some states have restrictions on collecting from spouses, but others don't. Bottom line we can't force a spouse to pay, if anyone ever contacts you, all you say to them, is "we aren't married, I don't know who you are talking about, please don't call me anymore, and stick to your story" never admit you are married to him or tell any creditor so, otherwise, all his other creditors will find out, and start harassing you with phone calls constantly!
2006-11-14 12:02:16 · answer #5 · answered by Veekeey 3 · 0⤊ 1⤋
The place where I had worked that would be a no as you are seperate but if you ever decide to buy a house together and his name is on it good luck in getting anything you will be considered high risk so make sure you buy your own things without his name on any of it
2006-11-14 18:09:35 · answer #6 · answered by Anonymous · 0⤊ 0⤋
post a credit statement to all ur creditors and in the news paper that u are not and will not be held responsible for any debt or past due accounts made by him. and u must post a date. example...as of 11-13-06 I,_____am not in any way responsible for any debt incured by _____ from this date on or any future debts incured by______. let them all know.
2006-11-14 12:00:56 · answer #7 · answered by devil_queen_biatch14 7 · 0⤊ 0⤋
they called me looking for my ex, we live in different states now, evidently he has stopped paying his credit card bills, at first they told me i might be held responsible, but i did tell them he applied for those cards without my knowledge, and my name wasn't on any of them, so they stopped calling me. if u do decide on divorce make sure in the divorce decree that u have in there that he is responsible for his own bills. i would be very worried about a spouse who runs up a bunch of bills, it can effect you. make sure your credit cards and bank accounts aren't together.
2006-11-14 15:54:53 · answer #8 · answered by jude 7 · 0⤊ 0⤋
Yes when you are married you can be held responsible for each other financially. It can hurt your credit too. Yup the creditors can come after you too. You need to reign him in or divorce him to protect yourself.
2006-11-14 12:08:41 · answer #9 · answered by Pandora 7 · 0⤊ 1⤋
Why on earth are you married to someone you don't live with? There might be a reason he is spending so much...try another woman!! Living in another city from you would sure make it easy.
2006-11-14 12:22:53 · answer #10 · answered by lebowers8099 2 · 0⤊ 0⤋