My husband left me and our baby. (I have no clue where he is)
We dont have any credit accounts together but he DOES have lots of personal loans and credit card accounts. Im sure he will be put into collections.
If he doesnt pay, will they come after me ?
If he files bankruptcy will I somehow be responsible?
2007-01-10 09:20:59 · 15 answers · asked by Melissa M 1 in Business & Finance ➔ Credit
If your name was included on any of the debts and/or you were married to him at the time he incurred any of these debts you will be considered legally liable for payment of these debts and/or if he defaults on payment of any of these debts. Yes, they will attempt to collect from you if they cannot locate him. If he files for bankruptcy, that would be the best thing that would happen to you because the debts would be discharged, but, because your name was not listed as a debtor in the bankruptcy, the bankruptcy would not be on your credit history.
2007-01-10 09:30:08 · answer #1 · answered by Venice Girl 6 · 1⤊ 0⤋
I believe as long as you are still legally married, creditors can try to seek payment from you and believe me when I say that it does also effect your credit rating/score. Once they try to come after you, because they know he has a spouse, it's on you. Even if he were to file for bankruptcy it will effect you in a very negative way..for at least 10 years from the date of discharge. But he can't even do that if he has not stayed put while he's been gone. A state requires a certain length of residency..most states it's at least 6 months before you can file. I would definitely be seeking legal counsel on this one. Good luck!
2007-01-10 10:10:30 · answer #2 · answered by Calamity Jane 1 · 0⤊ 1⤋
there is a few stable suggestion and a few stupid suggestion right here. you're married and at the same time and would report MFJ or MFS. in case you report one by one you're authentic you may't get numerous credit. very nearly all(ninety%) married couples benefit taxwise from submitting at the same time. If the tax debt predates your marriage, then you definately can report as aninnocent better half (you would be injured with the aid of them taking the entire refund) and the IRS will characteristic the diverse refund to each of you. His would be grabbed and your proportion would be paid out. he's appearing responsibly and paying on it month-to-month, and could ultimately get it off his back. Why not use this possibility of commencing existence at the same time and new beginnings, with the aid of wiping out this debt? I see it as a attempt of your dedication to this marriage.
2016-10-30 13:49:19 · answer #3 · answered by bason 4 · 0⤊ 0⤋
If you are not a signee of any of the personal loans or credit card accounts, you cannot be touched. But that doesn't mean they won't pester you to death and try to con you into paying the debts off.
Clark Howard is a consumer guru who runs a consumer rights radio show syndicated from WSB in Atlanta. His website has the following "drop dead" letter that you can send to creditors who pester you:
(Date)
To Whom It May Concern:
I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.
Sincerely,
(Name)
(Account No.)
2007-01-10 09:34:25 · answer #4 · answered by Anonymous · 1⤊ 1⤋
The only way you would be responsible for anything is if your husband had an HP agreement and you signed to say you would pay if he couldn't couldn't keep up the payments. You may get debtors knocking on the door but fear nothing just tell them what you have told us
2007-01-10 09:33:07 · answer #5 · answered by laughinggiraffe2003 3 · 1⤊ 1⤋
As long as your name was not on any of his accounts you should be fine. Hopefully you have some paperwork to prove that he is the sole owner of any credit cards, loans, etc.
2007-01-10 09:28:55 · answer #6 · answered by eilishaa 6 · 1⤊ 1⤋
If the debt was accrued after the two of you got married, you can be held responsible. I would find a lawyer, now.
2007-01-10 09:48:34 · answer #7 · answered by colbykaplan 2 · 0⤊ 1⤋
unfortunately yes, you are responsible. get a divorce as soon as you can, because anything that's he charging up right now, they are coming after you for. just pray he files bankruptcy.
2007-01-10 09:41:18 · answer #8 · answered by Jen 5 · 0⤊ 1⤋
No you don't owe on his debts, but be careful because shameless collectors will start calling you telling you that YOU have to pay...or else! If your name is not on the loans, you do not owe the money...period.
2007-01-10 09:47:13 · answer #9 · answered by KC 4 · 0⤊ 1⤋
It depends on variables. Did you file a joint tax return? You should consult an attorney. If you can't afford one, try going to Legal Aid.
2007-01-10 09:41:29 · answer #10 · answered by madisonian51 4 · 0⤊ 1⤋