The lien does not attach to the property in Virginia as you own it tenants by the entirety. If you divorce, it will attach to his half. If he dies, you are not personally responsible for it - his estate is. You should not need to add the cc debt to the refi and you should be able to sell without it being an issue. We'll be glad to help with the refi closing. Contact our Springfield office on Wednesday as we are closed for the hurricane. (703) 451-5203 Craig Buck The Buck Law Firm and...