husband credit debt

I think you answered your own question. If your husband did not sign your name on the application and the cards are not in your name - then you are not liable. However, if they sue your husband and you own joint real estate - they could possibly put a lien against your home? How much debt are you talking about?

Also depends on what state u live in. Some states are community property states and if ur in one then u are liable for his debt. Unless of course u knew nothing of these and can get a judge to grant u relief since u knew nothing of the debts!
Good Luck,
Ang

Ty for your reply. The debt we are talking about is $39,000.00. I had no ideas that he was taking out these cards. He has a heart problem and on disability and thought that he could make things better, but only got worse. then he was forced to tell me. I made a good salary but do can not pay his bills and live.

So these cards are actually in "his" name?? Not urs right? He signed for these cards??
Also, what state are u in? Is it a community property state?
Ang

the cards are in my husband's name. He got them because he used mt salary on the application. he would have never been approved on just his SS disability. I live in NJ.

Well do u know if NJ is a community property state? I will have to look up that info... but seems to me even if it is and u never knew of these debts then u may be able to get relief from them which you would NOT be liable for them!
Ang
P.S. The only thing that concerns me here is, if he used ur salary info then he may have broken laws! I'm not sure of the consequences of this... something u may want to find out before going much further!

Thank you everyone for answering I feel so alone and confused and helpless! Any support and suggestions are welcome.

I sure hope I don't lose this site!

Pafal, bookmark it!!
Also, u may want to register with the site and have someone call u to discuss ur options!! Or have hubby do it, let him see if he can consolidate these credit cards and have one monthly payment plan!
Much luck to u,
Ang

O my God, i hope that he is not is really big trouble now for using my salary! What do I need to investigate before i take action?

I didn't mean to panic u Pafal! But before i would go in front of a judge to try and get relief from this debt i'd make sure hubby can't get into any legal trouble for falsifying information on his application!!
I think ur best plan for right now is to talk to someone about consolidating these debts and maybe let hubby know of the consequences for what he's done. (to make sure he doesn't do it agian in the future)
Let's not jump the gun here, i just wanted u to be aware of this and like i said try to register here and speak to someone about ur issues.
Much luck to ya,
Ang

Ok Pafal the more i keep thinking of this the more i'm not sure! Maybe it's ok for him to use ur income since u 2 are married!! I've asked someone who knows a lot about the law to come and see if he can help!
And i know this is easier said than done but, what is done is done, u can't change it. U can only work to clear it up. Try not to let this make u sick. Have ur hubby speak to someone about ur situation, (they are very very nice) it can't hurt and u dont' have to do anything if u choose not too!
Give it a try,
Ang

I agree with Ang. Talk to someone here & they should be able to guide you. Everyone here is really nice. I called the phone line on in a panic one night & the rep was really good at calming me down & explaining things simply to me.

I don't seem to be getting any response and can't get back to the forum to view my messages.

Maybe try exiting the site & logging out then log back in?

But ur on the forum posting this post! lol To view ur previous post pafal, log in first then click on My Threads. That will bring u to all post u have on the forum. Also for quick messages go to My Page and u will see ur replies.
Hope this helps some,
Ang

Pafal47 is really great to see you here in debt consolidation care forum.you are a member and you have your homepage either.open the home page in your name pafal47.i'm your fan already and i'm praying for you to solve your problem here, very fast.
Everybody help me here always and you have only to ask them and they always answer you and many other
People wonderful that came everyday in this forum looking for help.
You can send a message to them pm or quick message.
You can send a message to me either.
Sorry about my english.
Welcome pafal47!!!

Can he call someone today-Satueday and is there a cost related?

ty all. My husband tried to call the credit coach but non was available. I am assuming that no one is there on Saturdays. He will keep trying. How nice to have someone to talk to. I feel like such a pest but no one else to help me. TY

Call and talk to someone it will make you feel better at the 1-800-601-1579 number. First of all you need to find out if what your husband did was against the law. If so, how do you want to handle that. To me from what you have posted he didn't sign your name on the application is that correct?

ladybug

You are not a pest we are all here to help you :lol: . Please keep posting any questions you may have and knowledgable people will be along to advise you. :D

ladybug

thank you so much EVERYONE maybe I can sleep tonight!

U have found the right place to help u eat, sleep and breathe once again Pafal!
We have all been where u r at one time so we know how u feel!
Much luck to ya,
Ang
P.S. And as lady said ur not being a pest, ask as many questions as u need to! That's what we're here for.

Thank you again! I will feel better when I can find a course of action to take. Right now things seem impossible. Not enough income to pay of bills till after I am dead! Can he claim bankrupcy without affecting me?

That may be possible but first talk to someone and see if there arent' other possibilities out there for yall!
Good Luck,
Ang

My gosh! If there was a limit of how many questions you could ask...I would have been kicked out of here AGES ago! LOL!

Ask as much as you need to Paf & if you don't understand what we are saying, just ask us to explain it more!

I am still trying to figure out what to do. I am hoping that we can pay these credit cards off. They are very large! I am thinking of calling the credit card companies. We are handling the bills and are current but no savings and I worry about an emergency. It feels good to just let some of this worry out! Pafal

Call the creditors. Some are willing to work with you.

Still I would ask for a consultation-maybe that too would put your mind at ease.

Pafal
You are back in the forum. What messages to you wish to view