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No, Tennessee is not a community property state. Married couples living in non community property states are not responsible for debts incurred solely by either spouse.

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โˆ™ 2015-07-16 18:15:21
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Q: If you die in Tennessee with credit card debt in your name will your spouse be obligated to repay the debt?
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Related questions

If spouse dies is the surviving spouse obligated to pay the loan?

The estate must repay the loan before assets are inherited. Otherwise, only if they cosigned.

Can a credit card company charge monthly finance charges after the death of the card holder if someone is trying to pay the debt off?

Yes. The question might possible be is anyone obligated to pay the debt at all? If the the deceased person was the only account holder, no one else is responsible for the debt; except posssibly the deceased's estate (if there is one). If there is a surviving spouse and the couple lived in a community property state, the spouse might be obligated to repay the debt(s)... Macky(

In Florida what should the surviving spouse do about the credit card debt of a deceased spouse that was sent to collections if there was no estate?

If the account was joint then the surviving spouse is responsible for the debt. If the account was held solely by the deceased spouse the surviving spouse is NOT responsible for the debt and is not legally obligated to repay such nor to correspond with the creditor or collector. If the surviving spouse so chooses he or she may inform the collector that the account holder is deceased and also inform the collector that they should "cease and desist" all contact with the family. Florida is not a community property state. Marital property is generally treated as Tenancy By The Entirety, which makes it immune to creditor action if only one spouse is the debtor.

What is installment buying and credit?

You can repay back loans in "X" amount of days. You don't have to repay the loan right away. This is the same with credit.

Can student credit cards be used to repay loans?

Whether or not a you can repay loans with a credit card depnds on the policies of you debtors. You can pay some student loans with a credit card, if you are in default. However private lenders are under no obligation to accept credit card payments.

If you cosign for a home loan and the borrowers don't pay and get repossess how can you remove that from your credit report?

As a co-signer, you are a borrower and obligated to repay...(thats why your signing). If you didn't do so, (or worse yet, you don't understand what it is you were signing and obligating yourself to), what possible reason would you have to think that should be something removed from your credit report?

When does your bad credit go away if you are not able to repay it?

7 years

I purchased a treadmill from the store in full a month ago. They called me and said they accidentally refunded me my purchase. Am I obligated to repay them again or is it their problem?

An honest person would repay the debt. You have the item, they are entitled to payment.

Why do you need a cosigner if you dont have credit?

If you have a bad credit record, that indicates to a lender that you are likely not to repay your loan. If you have no credit record, a lender cannot determine whether you are likely to repay your loan.In either of the above cases, the lender may want you to find someone who has a good credit record that indicates he or she is likely to repay the loan to act as your co-signer. A co-signer becomes equally responsible for repaying the loan with you. If you fail to repay some or all of the loan, the lender can require the co-signer to repay it as if the co-signer had taken out the loan him or herself. (The co-signer can then take action to try to recover the payments from you, but that does not concern the lender.)The co-signer is a person with good credit (or at least better credit than you) to whom the lender can turn for repayment if you fail to repay. Having a co-signer makes the lender more confident that they can get repaid.

What is the best way to repay a home equity line of credit?

As fast as you possibly can.

When you purchase items using credit you?

obligate your future earnings to repay a loan

Receiving money to buy goods and services with the promise to repay in the future?


How does a lender use a credit report?

A lender will request a credit report from one of three credit reporting bureaus. This report will give the lender an idea about how likely you are to repay a loan on time and in full. The better your credit report, the more likely you are to repay the loan in full on time and (in general) the lower an interest rate you will be offered.

Does it affect your credit score if you repay your credit card dues much before your monthly statement is generated?

no, but your finance charge will be lower

What should you use your credit card for?

Any thing you know you can repay at the end of the month.

Why are credit investigations criticized?

appraisal of aprospective barrower ability and willingness to a repay a loan

Which credit card companies give credit cards with no income?

No credit card company will give you a credit card without a regular income, as they need to know that you have the means to repay whatever you borrow

History of credit in the Philippines?

History of credit in the Philippines is common when one is borrowing money. The lender will look at your credit history so as to determine the ability to repay money borrowed.

What is credit risk?

Credit Risk refers to the risk that a lender takes when he lends money to a borrower. The credit facility is taken by the borrower and if he fails to repay the money, the lender stands to lose money. This is credit risk.

What does the granting of credit depend on?

Granting credit typically depends upon three factors: character of the borrower, capacity to repay, and capital used as collateral

How does the GE Creditline compare to other credit cards?

GE Creditline is just like most other credit cards. The interest can be 29% depending on your credit history. There are several fees if you do not repay the line of credit on time.

What information does not goes into your credit score?

Your credit score reflects how well you repay debt. So all accounts which are not extensions of credit are not reported to your credit report. Also, personal information such as: - Race - Gender - Income - Address

Should I Repay College Debt?

Many students accumulate a large amount of debt while they are in college. Unfortunately, students do not always have the financial means to repay their debt. However, whether you have unpaid loans, credit cards, medical bills, or other types of debt, you are still responsible for that debt. Read on to learn the consequences of not repaying your college debt in a timely manner.Do I really need to pay off my college debt?Yes, you should definitely try to repay any debt you accumulated while you were in college. Even if you graduated from college two or three years ago, the unpaid debt will continue to appear on your credit file until the credit bureaus are obligated to remove the negative information. Keep in mind when you accumulate debt, it is your debt and you are obligated to repay that debt according to the terms and conditions outlined in the contract you signed.What happens if I am unable to repay my debt?If you do not repay your debt, the creditor can report your past due account to the major credit bureaus, and the information will appear on your credit file. And as a result, you may have problems obtaining credit in the future from other companies. In addition, if you fail to repay your debt, the creditor may sue you for the unpaid balance, or send your account to a collection agency. Therefore, it is extremely important to repay your debt in a timely manner.Will employers review my credit file when I apply for jobs?When you apply for a job, the employer may or may not review your credit report. For instance, if you apply for a position in the credit or banking industry, it is very possible the employer will review your credit report. So, if you have past due accounts (or collection accounts) listed on your credit file, that particular employer may not hire you.How do I actually pay off my debt?First of all, you need to make a list of all of your unpaid debt. Your list should include the name of each creditor along with their contact details, the amount of the outstanding debt, and the amount of payments (if any) that you made on your account. You should also try to locate a copy of the contract that you signed for each debt. If you are unable to recall all of your debt, you can review your credit report to help you with that task. You can obtain a free copy of your credit report by contacting Be sure to request a copy of your credit report from all three major credit bureaus: TransUnion, Equifax, and Experian.Next, you should contact each creditor or collection agency to discuss your payment options. The creditor or agency may allow you to set-up a reasonable payment arrangement on your account. Likewise, they may also make you a settlement offer for a lot less than what you actually owe.Lastly, request a confirmation letter from the creditor or collection agency before you submit any payments to them. Keep the letter in a safe place, just in case you need to refer to it in the future.As you can see, it is definitely important to repay your college debt. If you are unable to repay your debt in a timely manner, contact the creditor as soon as possible to make a payment arrangement. You should make every effort to maintain a positive credit history. If you borrow money or acquire credit, then it is up to you to repay that debt.

How did the US credit crisis start?

"US credit crisis starts because too many people are in debt, including the US itself. Credit is sometimes easly obtained but hard to repay."

What if a Mortgage holder never files a lien against your house?

If the mortgagee neglects to record the mortgage then it will not become a lien on the real estate. However, you are still obligated to repay the loan.