Can my husband, or his assets, be affected by a credit card debt that i obtained before we got married?

Answer 1

Nope. If he didn't sign on it, it doesn't affect him unless you start gathering joint credit; and even then it isn't his debit specifically

Answer 2

In a way, yes. Obviously when your husband applies for credit in his OWN name then it will not affect the approval decision. However should you ever BOTH apply for credit (mortgage, car, etc) where you want to use the income from both parties (you and your husband) then your credit history will affect the combined 'credit score'.

As for his assets, it depends upon the amount of dept you have and the tenacity of the people trying to collect it. For example if your credit debit is less than $4,000 then you'll get some nasty mail and phone calls but they probably won't take you to court because the expense to do so would be more than they could hope to recover. However the higher the debt the more like they will take you to court and if the debt is really high and you've been married a while they could easily go after 'joint assets' especially if you have not been working and relying on your husband's income for full support. Remember, once you've married in MOST states (US) everything that has been accumulated since the marriage is jointly owned and therefore they could use that to precedence to bring your husband's income and assets into the law suit.

Again, it all hinges on the amount of debt. If this debt is at $8,000 or higher I would strongly suggest you find a payment method or even consult an attorney to protect you and your husbands assets.

Good luck and I hope this helps.

Answer 3

Assuming that you did not add your husband to your account, and assuming that you do not live in a community property State, the answer would be no.

If however either of the above happen to be true? Then the answer would be yes. Obviously if you added your husband as a joint signer to your account then his assets would be at risk, and if you live in a community property State and the credit card company gets a judgment against you, then your husbands assets could be at risk.

Answer 4

His assets cannot be affected by your debts no matter when you acquired the debt.

However, if you acquire any degree of ownership over his assets, those are YOUR assets, and if it went so far as a judgement, could be used to satisfy the judgement.

However, credit card debt is "unsecured", which means that they can't touch ANY assets of either of you until they get a judgement.

Answer 5

Your question isn't sparkling. i assume which you had issued some credit enjoying cards and your boyfriend (until now marriage) had used your credit enjoying cards that have been given you into debt. then you certainly men have been given married then you certainly are in charge alongside with your debt that your husband have been given into. Marriage is to help each and each others needs, financially. that's going to impression YOUR credit historic past no longer his considering the fact that its YOUR credit enjoying cards.

Answer 6

No. with one exception and my daughter experienced it.
When she and H went to purchase a home, her credit
was also checked and in her case the loan was denied
because she had too much available credit added to there
total credit card available funds for only his income,(she
no longer held job as was with child)
She had not renewed two store cc but they kept her active on
their accounts from 10yrs prior.
{always make sure you cancel cc cards in writing not just over phone.}

Answer 7

not unless you file for something jointly

Answer 8

No it won't be affected.
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