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who is liable

  • wardlester
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14 Jan 08 #10635 by wardlester
Topic started by wardlester
i am getting divorced and my wife says i am liable for half of her £22,000 credit card and loan debts. all credit cards and loans are in solely her name and i knew nothing of until we decided to seperate. Is she correct when she says i am lible for half these debts?:huh:

  • doodles
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15 Jan 08 #10715 by doodles
Reply from doodles
im getting divorced and my ex had 65k of credit card debt soley in his own name, however has sold 50k worth of shares that where in his own name to pay them off and taken 40k of my shares which were soley in my name too. can i get it back????

  • Josh2008
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19 Jan 08 #11135 by Josh2008
Reply from Josh2008
It is possible that you can be liable for your wife's credit card debts

You say that you knew nothing of them until you decided to separate, but you must have seen a spending pattern that was beyond her means, how did she manage to clock up £22k and in how long a time...

If the debts incurred spending on joint holidays, items for the home, meals out etc...if so then her sol could use the debt as joint

The credit card company can only chase the cardholder, but the law in divorce settlement is somewhat different, if you an prove she was reckless with the money then that's a plus for you, but by no means clear cut.

  • LittleMrMike
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19 Jan 08 #11148 by LittleMrMike
Reply from LittleMrMike
I think Josh is right - a spouse is not normally liable for the credit card debts of the other. But a Court has power to re-allocate those debts ; so that if, for example, the couple had a car loan and the wife got the car, she might
well be expected to take over the loan. If the couple benefited jointly then each might have to pay part ; but if a spouse took out a loan for some item , say jewellery, which only benefited the wife, I think a Court would be likely to say that she retains responsibility.


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