I was hoping someone could help me with this issue. My wife and I were separated for a while. During this time she piled up a significant amount of credit card debt i.e. Discover, Texaco, Lowe's. She and I are back together now, and she is not working, but I am unable to pay her credit debt. Can I be forced to take care of this and if we do nothing, what would happen to her? We live in GA. Thanks for any helpful replies.
If it is "JOINT" you have to pay...if it's individual, she has to pay. If she CAN'T work...I guess you will have to get a second job to pay HER bills...YOU LOSE EITHER WAY...IF YOU PAY OR DON'T PAY...IT HURTS YOU.
Welcome to the board, chiahead! I read recently on MSN Money (someone correct me if I'm wrong) that in GA all debts belong to both spouses regardless of who incurred them. Can she get a job, if only to repay those debts?
NO, GA is not a community property state. I guess my major concern is if ignored can they do anything more than just ruin her credit?
Well, I live in Atlanta, but Georgia isn't a community property state. Not sure what that means as it relates to your case. I just know that MY wife is only responsible for the JOINT auto loan we have. That's it... until we buy a house. I'll do a little more diggin', though. Smitty There's nothing like a good opinion. However, this is nothing like a good opinion.
Thanks for the replies. She's not employed now as she is raising our kids, and I think she is judgement proof (whatever that means) as she doesn't have any assets in her name.
Correct me if I am wrong, but NOone is judgement proof. If pleaing that you have no assets makes you judgement proof then boards like this wouldn't exist. There would be a ton of people walking away for thier debts everyday. Has she tried working with her creditors, show some good faith payments? Min. payments every month is better then no payment every month. Sock Drawer her cards for a while, make as many min month payments you can, can she work part-time? Ingoring debt got a lot of us in trouble, myself included. I thought if I just don't pay it wouldn't hurt me. WRONG. Here I am now 5 1/2 years later doing everything I can do get my paid debt off my reports. I should have taking that second job, I should have called my creditors work something out. Don't be a should have, would have... the final price is too high.
At work we have MANY people who take care of the kids days and work nights...or work days and take care of the kids nights... 20 HOURS A WEEK WOULD BE BETTER THAN NOTHING...if she really CAN'T work...YOU get a second job... REMINDER, NEVER GET ANY "JOINT" ACCOUNTS.
