Can my husband's wages be garnished for a credit card debt acquired by me prior to us being married?

Question

I'm a stay at home mom. I got this credit card 12yrs ago when I was 18 and I was contacted recently saying that there is a judgment against me. I totally forgot about this card. :(

Answer 1

A couple responders didn't see the part where you stated there was a judgment against you. In that case, sending a cease and desist will do you no good, and the statute of limitations on judgments are quite long.

Did you check to be sure you have a judgment? Never take the word of a collection agent....call the court and find out.

To answer your question, they can not go after your husbands wages or property for debts you incurred prior to marrying him. But they can go after joint accounts and/or property, so be sure you are not on his bank accounts.

Answer 2

They shouldn't be able to, plus how long ago did you stop paying on the card? There is a statues of limitations that after 6-8 years, they can't come after for a card as long as there was nothing being paid on the card. Like everytime you make a payment, the date resets. If you want, you can email me and tell me all what they said. Most collection agencies "claim" to have lawyers on their payroll, but in most cases they can't touch you. They try to bully or scare you into getting up money to pay them off.

Answer 3

If your husband is not on the account then the company can NOT garnish his wages. Since you are a homemaker and have no wages to garnish you might want to call and try to "settle" the debt for a lesser amount. If you do this they will quit calling you and the account will not reflect as poorly on your credit report.

Answer 4

to verify that the mastercard companies to legally assemble, they first could ought to have gained a civil judgment against your husband. If the judgment is against him purely, your wages won't be in a position to be garnished. they can't garnish federal tax returns to pay off client debt. besides the undeniable fact that, state returns per danger garnished in some states in case you report at the same time. they could garnish any economic employer money owed or the different sources on condition that the two your names are on the account or sources deed. they can't garnish your husbands incapacity examine, besides the undeniable fact that they could garnish any economic employer money owed that the incapacity examine is deposited in except he takes some precautions. touch the economic employer to get advice on a thank you to steer away from lenders from taking funds from his social secure practices exams. Your earnings and sources are secure as long as you do no longer open any joint money owed or purchase any joint sources. good good fortune

Answer 5

I would not worry about it. And if you are then call them and make arrangment. But most likley this is just a scare tactick. They are pronly not going to do anything. Alot of times they sell there old accounts to new companies to try and collect from you. You can also call and ask for a settlement price. most places after this long will settle for 50% or less of the actual balance. But I would not do anything unless they start calling you.

Answer 6

if it's been 12 years, then you can file a 'cease and desist' claim against the collection company and they won't be able to use it against you or your husband anymore. my husband was just send a claim from verizon for a telephone bill from 10 years ago, and he's had phone lines through verizon since then. we just sent in a 'cease and desist' form to the collections company and received a letter in the mail about a month or two later saying that the case was dropped.

Answer 7

Most likely not if his name is not on the original account.

Answer 8

No, not assuming he wasn't a cosigner on the card.