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You can't be sued by the credit card company since it states in the agreement for authorized users that the person is not responsible. As for your family member, I'm not sure if they would win or be able to prove you didn't pay them back.
Yes, you can find yourself in a civil suit as an authorized user. Bank of America has had me in one for years. They attempt to file for Summary Judgment and the judge denies it each time. This is in NC, so you may have better judges in other states who will drop a frivolous suit before you waste days and days of your life. Thanks BoA and Dominion Law Associates T. Camille French. Dirty lawyers are truly what makes this world as bad as it is.
What else can I help you with?
Is an authorized credit card user responsible for his debt?
Of course, and they can be sued if they don't pay.
Are you liable for the amount you signed for or the full balance on a credit card if you are an authorized user only?
If you're only an authorized user on a credit card, you don't directly owe anything as far as the credit company is concerned. However, you can still be sued by the individual who has the card account.
Can you be sued for non payment of credit cards in Illinois?
Yes. Every time you sign for a purchase, you are agreeing to the terms and conditions of use of the credit card which includes repayment. If you don't repay the debt, you will be sued for not only the credit card charges but for interest and probably legal fees, too.
Could you get sued if you put the triforce on a credit card?
No
Can you be sued in North Carolina over credit card debt?
Yes you can.
Can a person with just lifetime rights on a deed be sued by a credit card company?
I mean is can the house have a lien put on it by the credit card co.?
Can You Be Sued for Credit Card Debts?
Absolutely yes. It happens to someone everyday.
If you are an authorized user on your husbands credit cards and you are getting a divorce can you be sued for the balance if he is incarcerated?
No. As an authorized user, you are not legally responsible for his debt. Now, credit score wise, even though you did not create the soon to be bad debt, it still shows up on your credit report.
Is there a limit in which you can be sued over credit card debt?
Your bank sets the limit. But yes.
What if someone put you on the credit card account and said you could use the credit card am i also responsilbe for paying the credit card bill?
In general, NO! If you did not sign anything to be a member then you are not bound contractually, period! However, discover has sued people who were put on as authorized uses and then you have to sue back or provide proof that you were just a non-binding card carryer. So they can hold you resposible, but not legally - you may have to fight to get off the account. BoA allows primary card members to simply enter a name, birthdate, and social security number for an authorized user and then they begin REPORTING to the credit agencies that primary person's credit card activity. So, this can be used to suddenly make it seem like you have a credit card and good credit when you really do not - this is a common technique used by gurus to instantly build credit. But, it will also show up as a defaulted account if the main card member defaults! So if this happens, you will have to all in and claim that you are not the primary card member and have them quit reporting to you (you might also deny that you ever gave permission to be an authorized user!)
Can you be sued if you don't have a job and can't pay credit card?
Yes....AND/or you would have your wages garnished.
Can you be sued as an authorized user by primary card holder after he has written off credit card charges as business expense on his tax return?
Yes. It could be written off as business expenses before the debt was collected and adjusted on tax forms afterwards. It really depends on if it was reported as a loss or an expenditure attributed to business dealings. A prudent person would probably leave it as a business expense write off, to avoid the possibility of haggling with the IRS.
