Submit a question to our community and get an answer from real people.
Submit

Can a collection agency come after a husband for his wife's credit card bill that she didn't pay in New Jersey?

Report as

When I was dating a girl once we were sharing a bank acct. she owed tons to credit cards and loans etc and one of them put a freeze on our bank acct even though I wasn't on any of her loans or credit cards. Bank told me if we had been married then the creditors couldn't touch any joint accts. So I don't think they can really some after you for her accts.

Helpful Fun Thanks for voting Comments (0)
Report as
Add a comment...

If they're married ... yep ... assets AND liabilities (such as credit card debt) are viewed as "shared property".

Helpful Fun Thanks for voting Comments (2)
Report as
Not in Pa. Marital property is treated differently in different states.
Report as
Which is why credit card "contracts" state that you are bound by the laws of the state they are headquartered in ... which usually is a state that views marital property as jointly held.
Report as
Add a comment...

Yes, you both can get in trouble if your married. However, if you are not, AND your name isn't on the card, no. If your name is, you have to pay it even if you didn't buy the stuff.

Helpful Fun Thanks for voting Comments (0)
Report as
Add a comment...
rshackleford

If you are not on the card at all, they will try to tell you that you need to pay but it might not be true. In my state (Midwest) they tried it with me during my divorce and failed. My divorce lawyer did have to write them a letter before they stopped calling though.

Helpful Fun Thanks for voting Comments (0)
Report as
Add a comment...

I don't know if its true in NJ, but in many states each spouse's debt is his or her own. Unless both your names are on the account, they probably cannot hold you responsible. That doesn't mean they won't lie to you about it, though.

Helpful Fun Thanks for voting Comments (0)
Report as
Add a comment...
Do you have an answer?
Answer this question...
Did you mean?
Login or Join the Community to answer
Popular Searches