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Is an additional credit card holder liable for the whole debt on the credit card account?
Wiki User
∙ 14y ago
ia an additional credit card holder liable for the whole debt of the credit card account
Wiki User
∙ 14y ago
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Can you be liable for someone else's credit card debt if you made their minimum payment every month out of your checking and you weren't a joint card holder?
No. Someone who pays the debt or an authorized user are not liable for the debt. Only someone named as a joint account holder can be held liable.
How do you find out if you are liable for a credit card that does not appear on your credit report?
The best option would be to contact the issuer of the card and ask if you are a joint account holder. If you are not on the account, they will not give you any information. If you are an authorized user/second card holder you are not responsible for the repayment of the account. The exception might be pertainint to laws that governing marital accounts in community property states.
Can a spouse have her name placed on your credit cards as a second card holder with out your authorization Can you be held financially liable for her debts in Florida these were not joint accounts?
Under Florida law a spouse cannot be held liable for debt repayment if the debt was not jointly incurred. The issue concerning the second card holder will need to be taken up with the creditor. If the couple were still legally married at the time, the creditor will probably accept the spouse's right to use the account. In which case the account holder will be held liable for all charges pertaining to the account in question.
If you are a authorized user on a credit card and the primary holder is not paying the bill can the authorized user be held responsible?
No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.
Am I responsible for my spouse's credit card debt if I am not an authorized user?
Absolutely not ! If the card is not i your name - you have no legal responsibility for any outstanding balance. HOWEVER - IF you are named on the account as a joint card-holder - you're legally responsible for fifty percent of the balance, regardless of who ran up the debt. Additionally, if you have a second card on the same account - YOU are liable for the expenses occurred on your and the account-holder is also liable for fifty percent of the balance.
Can you be liable for someone else's credit card debt if you made their minimum payment every month out of your checking and you weren't a joint card holder?
No. Someone who pays the debt or an authorized user are not liable for the debt. Only someone named as a joint account holder can be held liable.
If you are an authorized user on a credit card and the primary holder dies are you resonsible for the debt?
An authorized user on a credit card can be responsible on an account in which the primary card holder passes. The creditor looks at the situation as the authorized card holder was able to make purchases with the account, and should be held liable, even in the event of the primary's death.
Are you only liable for the dollar amount that you signed for or are you liable for the full balance on the card?
If you are the account or joint account holder, you are responsible for the entire balance regardless of who incurred the debt. If you are an authorized user you are not responsible for repayment except to the account holder.
How do you find out if you are liable for a credit card that does not appear on your credit report?
The best option would be to contact the issuer of the card and ask if you are a joint account holder. If you are not on the account, they will not give you any information. If you are an authorized user/second card holder you are not responsible for the repayment of the account. The exception might be pertainint to laws that governing marital accounts in community property states.
Can a spouse have her name placed on your credit cards as a second card holder with out your authorization Can you be held financially liable for her debts in Florida these were not joint accounts?
Under Florida law a spouse cannot be held liable for debt repayment if the debt was not jointly incurred. The issue concerning the second card holder will need to be taken up with the creditor. If the couple were still legally married at the time, the creditor will probably accept the spouse's right to use the account. In which case the account holder will be held liable for all charges pertaining to the account in question.
When filing Ch 7 what do you do about a credit card a family member got you on her account?
Nothing, other than your obligation to repay the person. Credit card debt belongs to the person who has the account. Authorized users and second card holders are not liable for the debt other than to the account holder.
Is the second person on a credit card legally responsible to pay the debt?
Yes, the second person on a credit card is usually equally responsible for the debt incurred on the account. Both primary and secondary cardholders are legally obligated to repay any charges made on the card, regardless of who made the purchases.
If you are a authorized user on a credit card and the primary holder is not paying the bill can the authorized user be held responsible?
No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.
Am I responsible for my spouse's credit card debt if I am not an authorized user?
Absolutely not ! If the card is not i your name - you have no legal responsibility for any outstanding balance. HOWEVER - IF you are named on the account as a joint card-holder - you're legally responsible for fifty percent of the balance, regardless of who ran up the debt. Additionally, if you have a second card on the same account - YOU are liable for the expenses occurred on your and the account-holder is also liable for fifty percent of the balance.
Can credit report information be changed if someone else admits by affidavit that they are 100 percent at fault for the late payments?
There is a big difference between being responsible for something and being legally liable for it. As far as the credit bureaus are concerned, if the ACCOUNT is yours, it doesn't matter who made the late payments. You, as the account holder, are liable. The information is correctly reported against you.
Who is responsible and liable for paying your individually billed account (IBA) travel account bill?
You, the travel charge card holder
In Ohio can you be liable for someone else's credit card debt if you made their minimum payment every month out of your checking and you weren't a joint card holder?
No, it does not make the non account holder legally obligated to continue payment nor assume the debt.
