Am I responsible for my husbands credit cards if I am an authorized user? He might file bankruptcy.

Asked over 1 year ago - London, KY

One of the cards is on my credit report . I don't want to file bankruptcy also.

Attorney answers (4)

  1. Diane L Gruber

    Pro

    Contributor Level 18

    2

    Lawyers agree

    Answered . If one of the credit cards is on your credit report you are probably a joint owner of the card and are therefore responsible. But, just being an authorized user does not make you responsible.

    Be sure to designate "best answer." If you live in Oregon, you may call me for more detailed advice, 503-650-9662.... more
  2. Dorothy G Bunce

    Pro

    Contributor Level 20

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    Lawyers agree

    Answered . If you are only an authorized user, the information about this debt shouldn't be on your credit report. However, people often make assumptions about their credit that don't match up to the facts, and I would urge you to investigate the facts first and not make assumptions like this. Since you claim the card is on your credit report, it is likely that you are a co-owner and not merely an authorized user. But anything is possible. Hope this perspective helps!

  3. Scott Russell Needleman

    Pro

    Contributor Level 12

    1

    Lawyer agrees

    Answered . In Ohio, if you did not sign the original loan application, and you are simply an authorized user, it is technically not your debt as you did not sigh a promise to pay.

    This answer is general and is not intended to create an attorney client relationhsip and is for informational... more
  4. Anthony J. Pietrafesa

    Pro

    Contributor Level 13

    Answered . If you an authorized user and not a co-owner of the card, it will show up on your credit report, but you ar not responsible. In my opinion, I would not guess, but contact the card issuer difrectly and ask for the application documents to make sure you know your status. Some peopl think they are merely "authorized" becasue their name has been added to a card only to fin out later they are a co-obligor.

    If a collection agency or Junk Debt Buyer tries to come after you for the debt, you may have relief under the FDCPA

Related Topics

Bankruptcy

Bankruptcy is a legal way for people or businesses who are no longer capable of paying back their bills to clear these debts and start over.

Credit repair

Credit repair means to take actions that improve your credit history after it is negatively affected by an event such as bankruptcy.

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