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First the estate of the deceased is responsible for all debts, this is usually accomplished during probate and is taken care of by the county or state. Any remaining assets eventually become the property of the spouse and/or children, as the state or county determines.

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โˆ™ 2005-09-12 20:21:37
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Q: What if card holder dies and spouse is not a signer or a co-owner of the credit card the couple live in a community property state there is no will?
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Is an authorized user on a credit card liable for the debt?

No. The only exception would be a married couple residing in a community property state.


If a credit card is solely in the name of a deceased wife is the husband responsible for the debt?

Only if the married couple resided in a community property state.


If your ex filed for bankruptcy before you divorced and you were an authorized user on his credit card are you liable for the debt?

Only if the married couple lived in a community property state.


In California if the spouse dies and have a credit card in his name and not mine am i responsible for his bills.?

It depends on if California is a community property state or non-community property state.


My husband passed away and had a credit card in his name only. Is the surviiving spouse responsible for paying off the balance?

Only if the couple resided in a community property state at the time of death.


Who is responsible if credit cards are in a wife's name only?

If you are in a "community property" state, you both are.


Is a wife's money protected from a husband's creditors?

A wife's (spouse's) money is only protected from the husband's (other spouse's) creditors if any of the following are true: * The couple lives in a non-community property state and the loan/credit account is only in the husband's name * The couple lives in a community property state, the loan/credit account is only in the husband's name, the loan existed before the marriage and has provably not been used in any way to benefit the wife


Will a spouse's bad credit affect your credit in a community property state?

Yes. If you are married and your spouse has bad credit, you inherit that bad credit and depending on the state, you can inherit half the debt if you divorce. * No, debts incurred before marriage do not affect a new spouse's credit report even in CP states. Problems could arise however, if the couple apply for a joint line of credit such as a mortgage.


Are you liable for your credit card debt if your husband filed bankruptcy or are you covered under community property debt?

If the couple resided in a community property state both spouse's would have needed to file joint bankruptcy for the debt to be totally discharged. If one spouse did not file, it is quite possible the creditor will hold that person responsible for the debt owed.


If your spouse files for Chapter 7 and you are an authorized user of her credit cards are you responsible too?

An authorized user is never responsible for credit card debt. However, if the married couple live in a community property state they are in general terms both equally responsible for all debts.


Is a spouse responsible for credit card debts in the other spouse's name?

Only if the married couple reside in a community property state or the spouse is a joint account holder. An "authorized user" is not considered an account holder and is not legally responsible for debt incurred on a credit card account.


When you are legally married are you responsible for paying your spouse's credit card debt?

If the account is joint then both spouses are responsible for repayment. If the account was incurred during the marriage and is held by one spouse and the couple live in a community property state both spouse's are responsible for repayment. If the account was incurred during the marriage by only one spouse and the couple does not live in a community property state, only the spouse who is the account holder is responsible for repayment.


If your wife gets a credit card and you am not a guarantor or signator for that card are you liable for the debt after her death in the state of Florida?

The actual account holder is the person who is responsible for the debt. If a married couple reside in a community property state, they are usually equally responsible for debts, including credit card accounts.


If you and your spouse have separate credit card accounts are you liable for your spouse's balance if he defaults?

The extent of liability depends on whether the married couple reside in a community property state and if so, if the accounts were established during the marriage. Married couples residing in community property states, other than Wisconsin and Texas are usually equally responsible for debts regardless of which spouse is the account holder.


Who is responsible for a spouse's credit card debt after death if they owned a home?

One contributing factor is whether the married couple resided in a community property state. If that is the case, the surviving spouse is usually responsible for all spousal debts regardless of how the account was held. If not a community property state, the debts belong to the deceased only, and should be handled according to state probate laws.


If you die in Tennessee with credit card debt in your name will your spouse be obligated to repay the debt?

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.


Is the suriving spouse responsible for her husband's credit card debt?

If the couple resided in a community property state at the time of the account holder's death the surviving spouse is responsible for repayment of the debt owed. If the couple did not reside in a CP state the debt will be included in probate procedure and handled according to the state's laws of distribution of an estate.


Is an authorized user on a credit card liable?

Not to the credit card issuer. The account holder is totally responsible for debt incurred on a credit card. The exception is married couples residing in community property states, where both spouses are considered have the same rights to property and assets and the same responsiblity for debts.


What ways can you keep a spouse from incurring debt in your name?

Don't have any joint accounts. Marriage does not give the legal right to a spouse to use the other spouse's name or information to obtain credit. Credit even for married couples is reported separately on credit reports unless it is jointly incurred. The exception is if the married couple reside in community property state. In a community property state all assets and all debts incurred during the marriage by either spouse is considered equally owned and equally owed regardless of which one entered into the financial transaction.


In Rhode Island is the wife responsible for her husband's credit card if she is an authorized user of the credit card?

No, Rhode Island is not a community property state and an authorized user is not responsible for the debt incurred.


Who is responsible for credit card debt of your deceased spouse if there isn't an estate or assets because everything was switched out of their name before they passed?

I would say it depends on if you live in a community property state or a non community property state and if your name is on the bill or contract.


If one spouse has credit cards in her name only and can't pay them off is the other spouse responsible?

If a married couple reside in a community property state both persons are generally held equally responsible for all debts incurred during the marriage regardless of which spouse incurred the debt. Married couples living in states that are not designated as community property are not responsible for each other's debts, although jointly owned marital property (bank accounts, real property) can sometimes be attached by creditors when only one spouse is the debtor.


If a wife has charged off credit card debt and is on a quit claim deed only on a house owned by the husband before marriage can a creditor put a lien on it?

It depends upon the laws of the state governing the titling of real marital property. In states that do not allow a couple to hold real property as TBE or community property states her share of the home would be subject to a lien by a judgment creditor.


Can I put a lien on someone's credit?

No. There is no such thing as a lien on credit because credit is not tangible property. A lien can be applied to property only.


Can you pay property taxes with a credit card?

Yes, you can pay your property taxes with a credit card.

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