My husband left NY on 7/20/07 and I have not hurd from him since 7/28/07.Last I know he was in Mobil,AL from tracking his credit card spennding on line.That was on 8/03/07.He has alredy maxed out 2 of his credit cars to be over drawn more than $800. He will not take to me or anyone bake home in NY.He has no income coming in and my name is not on his credit cards.Legale what am I responsable for?
2007-08-11 05:33:09 · 9 answers · asked by Christina M 1 in Business & Finance ➔ Credit
Is New York a community property state? If so, and the credit cards were received after you were married, you could still be responsible. I would also make sure that you are not on these cards as another card holder. Check your credit report and see what credit cards are on there and if there are any discrepancies make sure you file to have it removed or changed.
2007-08-11 05:44:26 · answer #1 · answered by Ollie's Mommy 3 · 0⤊ 0⤋
You are not responsible for anything. I would however notify the credit bureaus and have an Fraud Alert put on your files. He can always get someone else to sign your name on a credit card. You can reach Trans Union toll free @ 1 800-680-7289. Also tell them you want to be called on any new inquires. Better safe than sorry.
2007-08-11 13:38:32 · answer #2 · answered by Anonymous · 1⤊ 0⤋
Since your name is not on the accounts and New York is not a community property State, you are liable for nothing.
2007-08-11 12:40:58 · answer #3 · answered by ? 7 · 2⤊ 0⤋
You have no responsibility if it was not a joint credit card. But the credit card companies can go after monies in any joint accounts or assets that you and your husband have/had.
2007-08-11 12:39:17 · answer #4 · answered by Anonymous · 2⤊ 0⤋
If you are not the owner of the credit cards, you cannot do anything. If your husband doen't pay, the credit card company can seize the movable and immovable property in his or joint names. Seek legal opinion if possible. If there is nothing to be taken away, relax, since it is his debt and not yours.
2007-08-11 12:39:35 · answer #5 · answered by Swamy 7 · 0⤊ 3⤋
Christine, the problem is you are married to him and will share in his bad credit habits. You could be held liable even after divorcing him. You might want to consider consulting with an attorney about how to protect yourself.
2007-08-11 12:39:25 · answer #6 · answered by Alterfemego 7 · 0⤊ 3⤋
trust me if you are married you are responsible, the only way is to make some kind of report with the police, like that he left and left you with all these debth, or a lawyer, document that can prove that he left with all these things, That is going to be the only way to save your self. Otherwise, sorry you are, 50%
2007-08-11 12:41:20 · answer #7 · answered by Angel L 3 · 0⤊ 3⤋
I would get divorced asap. As long as you are tied to him as the wife, you certainly can be held responsible for the debt. It doesn't seem fair, but the creditors want their money.
2007-08-11 13:04:45 · answer #8 · answered by Simmi 7 · 0⤊ 2⤋
Nothing. If you are not a guarantor of the debt, you are not liable for that debt in any way.
2007-08-11 12:38:07 · answer #9 · answered by f1scrilla 2 · 1⤊ 1⤋