If the parties are still legally married and living together (especially if they reside in a community property state) there is likely no legal recourse available for such a situation. If the couple are divorced or separated there might be a civil or even a criminal remedy depending upon the circumstances under which the cards were "taken" and/or the account used.
If your name is not on the account, and the account is not considered a "joint account" by the credit card company, then you should not be held liable for any debt on your wife's credit cards.
Absolutely none! Have you watched Judge Judy?
I assume you refer to credit cards. CANCEL all credit cards immediately. Call the credit card company's number (on your monthly statement) and explain to the rep what's going on.)
If you are in a "community property" state, you both are.
In California, the responsibility to pay off the deceased husband's credit card debt typically falls on his estate. If the wife is not a joint account holder or a co-signer on the cards, she is not typically responsible for the debt. However, it's advisable to consult with a legal professional to understand the specific circumstances and obligations.
No you wont be, as the credit was in his name only, because if he dies you cannot use the credit cards as they are in his name not yours. This is how I understand the system here in australia.
Yes, if you share assets then the credit companies will consider you responsible and come after you for the unpaid debt. You may consult a credit councelor, they may have a loophole that the general public doesn't know about.
then she's a druggie
It can. My wife and I have some individual cards that show up on both reports and others that do not.
Yes, you are married. For years I didnt even work or have credit cards, but I established credit due to my husbands last name, because we are married.
A friend of mine faced this before. he closed the joint bank account and opened one in his name only. canceled the credit cards and placed an AD in the classifieds that he was responsible for his debts only.The wife can get credit on her own and if she fails to pay the bill the husband can still be held responsible for the debt. Good Luck.
No, because when the credit card company access the credit bureau, they access the name who applies for the credit card, not the spouse's name. It's the primary cardholder who is fully responsible for the debit. If the wife gives her husband an authorized user card from her credit cards and the husband doesn't pay. The wife's credit card will be destroyed if she doesn't pay the debit (even the charges he makes) So make sure you both keep your credit cards separate so that you both maintain your own good credit histories. Especially (heaven forbid) you both separate/divorce