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Only on joint accounts are both spouses responsible for repayment of the debt. Unless, they reside in a community property state, if so, they are both responsible for debts incurred regardless of which one holds the account. Wisconsin and Texas treat some spousal debts differently when it pertains to community property laws. Some states have rather odd laws that might hold a spouse accountable if the debt is related to "living neccessities". These statutes are seldom used by creditors; if cited it is unlikely the plaintiff could provide the necessary proof.

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Q: Is one spouse financially responsible for the other spouse's credit card debt?
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