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    nitto1234's Avatar
    nitto1234 Posts: 8, Reputation: 2
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    #1

    Sep 11, 2008, 03:10 PM
    Credit card by me does it effect my spouse.
    I don't work and I am being sued I have been married for a very long time longer then this debt I don't work an I live in Florida an our home an other stuff isn't in my name. The charge card is in my name with him as an authorized user. Can they garnish my spouses pay an attach anything to our home which is also in his name. Home bought after we were married and before the debt.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #2

    Sep 12, 2008, 10:53 AM
    Quote Originally Posted by nitto1234
    I dont work and I am being sued I have been married for a very long time longer then this debt I dont work an I live in florida an our home an other stuff isnt in my name. The charge card is in my name with him as an authorized user. Can they garnish my spouses pay an attach anything to our home which is also in his name. Home bought after we were married and before the debt.

    They can obtain a Judgment and collect by any legal means from YOUR assets, single or joint - such as a joint bank account.

    He is not responsible if he never signed anything. The fact that he was an authorized user does not matter. It's your debt.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #3

    Sep 12, 2008, 01:57 PM
    [QUOTE=Comments on this post
    nitto1234 agrees: ty for the info.. it does mean alot to get an honest answer this is very nerve racking an I know im responsible but can't help my situtation at this time..[/QUOTE]



    First, thank you for the kind comment. It means a lot to me.

    Second, I would take your name off any joint accounts.

    If a lien is filed against your house, nothing will happen - as I explained.

    These are terrible times for people right now. I keep thinking/hoping/wishing the economy would get better. So many people post, simply looking for a way to escape from paying their just debts, that you are refreshing. So just do the best you can right now and protect what you have - by removing your name from joint (asset) accounts. Immediately.

    Are you POSITIVE the debt is still within the Statute?
    ballengerb1's Avatar
    ballengerb1 Posts: 27,378, Reputation: 2280
    Home Repair & Remodeling Expert
    		  
    #4

    Sep 12, 2008, 02:18 PM
    How old is that debt and when did you make your last payment on it?
    nitto1234's Avatar
    nitto1234 Posts: 8, Reputation: 2
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    #5

    Sep 12, 2008, 03:26 PM
    My last payment was made feb 26 2004 they filed papers feb 06 of 2008 statue of limitations is 4yrs in Florida and the company triing to collect is a collection company not bank of america who the credit card was originally through.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #6

    Sep 12, 2008, 04:59 PM
    Quote Originally Posted by nitto1234
    My last payment was made feb 26 2004 they filed papers feb 06 of 2008 statue of limitations is 4yrs in florida and the company triing to collect is a collection company not bank of america who the credit card was originnally thru.

    Unfortunately, yes, it's within the Statute.
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