Credit Card application made over the phone

Hi!
Welcome to the Forums!

First of all, you have made a great mistake by revealing all the information via phone. The Sol period in Texas is 4 years. It will start from the date of first default. Has your husband included this debt in bankruptcy? Usually, automatic stay is issued by the court after filing bankruptcy. Henceforth, the creditors can't take any action against your husband.

The issue here is not the husband...it is the wife as a guarantor. Plus applications for lines of credit with a bank like Wells Fargo who you already have a relationship with is common.

Statistics show that most husbands and wives bank at the same bank. Thus the bank would have her social security number. They may have had a joint account. However a line of credit account would be a separate account. If this was a secured line of credit based off a joint Wells Fargo Mortgage, then she automatically would have been put on the account.