2007-04-20 03:32:48 · 30 answers · asked by luvy0710 1 in Family & Relationships ➔ Marriage & Divorce
No. Your debt is separate. However, if you are both living at the same address, this may have an adverse effect on his credit rating. Only if you incur debts together are you both responsible for that debt, and then action can be taken against the two of you.
2007-04-20 03:35:45 · answer #1 · answered by Pseudonym45 4 · 2⤊ 1⤋
No, as long as you keep that debt in your own name he will not be responsible for that debt.
My daughter had terrible credit as when she was a teenager she had roommates that left her holding all the debts owed and never offered to help her out. When she married she never moved those problems over into her married name. 7 years later it was no longer an issue. They used his name only to buy their home and it went through with no problem.
2007-04-20 04:02:21 · answer #2 · answered by Tapestry6 7 · 0⤊ 0⤋
If you live in the U.S...
A company cannot pursue him for your separate debt (a debt obtained only by you prior to the marriage) and it will not affect his credit record.
However, there are ways in which it could have an effect on him. For example, if you and him purchase property together, then because your name is on the title, your creditor can place a lien on it for your bad debt (even if it wasn’t his debt). Which means when you sell your property, they’ll be paid.
So, basically, while he’s not technically, legally responsible, it can, in a round-about way, affect him.
2007-04-20 05:32:01 · answer #3 · answered by kp 7 · 0⤊ 0⤋
Nope. The way that works is; loans you have in your name only won't effect him since he's not part of that loan, so they can't come after him. If you add him on to something, which some people will do, they become "authorized users". Some creditors will add someone and not look at their credit reports and some do. NOW, if you both sign for a loan, and say you miss something, then he's still legally responsible for that. I used to work for a credit card company =)
2007-04-20 03:50:24 · answer #4 · answered by suzlaa1971 5 · 0⤊ 0⤋
Your debt belongs to you, that is until you start sharing accounts. Once that happens, if you default on your debts, the creditors will look at your credit report and see joint accounts. They may contact him, but they cannot go after his money.
They could sue you, should you default, but your husband would not be named in the suit.
2007-04-20 03:38:27 · answer #5 · answered by bux_martinfan 3 · 1⤊ 1⤋
Only if his name is on it. They can't come after him if it's your debt. Once you start sharing debt then you are both liable.
Your best bet is to get rid of the debt and stay out of debt.
2007-04-20 03:46:59 · answer #6 · answered by JB 6 · 0⤊ 0⤋
No, if the debts were made prior to you getting married, they are your sole responsibility, as told to me by an attorney. My husband had a bill collector try to intimidate me since they couldn't get him, they called on my cell phone and it is not allowed. It is not my responsibility since he made the debt prior to marrying me. You are safe.
2007-04-20 03:59:29 · answer #7 · answered by Anonymous · 1⤊ 0⤋
My husband had really bad credit when we married, but it didnt affect mine at all. It even helped his, so that now he is building credit with my name attached to his. you may not be able to apply for credit together, in some places, that require you to apply together just because you are married.
2007-04-20 03:38:02 · answer #8 · answered by cherry 2 · 1⤊ 0⤋
The people that are saying no are completely wrong. When you get married, your debt becomes his debt, and vice versa. They can and will come after him for what you owe if you get married with debt. I would suggest eliminating your debt before you get married.
2007-04-20 03:43:01 · answer #9 · answered by eviltruitt 4 · 0⤊ 2⤋
If they debt is in your name and not your husbands, they cannot touch his credit or his money.
2007-04-20 03:37:19 · answer #10 · answered by bina64davis 6 · 1⤊ 0⤋