I have $25,000.00 business credit card debt in my name that was incurred by a business that I own.

Asked almost 2 years ago - Ardmore, PA

My husband managed the internet side of the business ( advertising, web site maintenance, etc ) is he responsible for 1/2 of this debt even though the credit cards are in my name only.

Attorney answers (3)

  1. Daniel Edward Mueller


    Contributor Level 13


    Lawyers agree

    Answered . Generally, the spouse that entered into the contract is responsible for 100% of the debt as far as the credit card company is concerned. There is an argument that debts incurred by one spouse for a marital purpose are joint debts, making both spouses responsible for the debt. However, this debt appears to be yours alone from the information you provided.

    Note that if you separate or divorce, the court may divide the debts. However, it does not bind the credit card provider, which will still seek compensation from the cardholder.

    To reach me call 215-248-0989. Harborstone Law Group serves Philadelphia, Montgomery, Delaware, and Bucks Counties... more
  2. Charles Laputka


    Contributor Level 13


    Lawyers agree

    Answered . As far as the credit card companies are concerned, you are 100% liable for the debt and he is 0% liable. The doctrine of necessity, as my colleague outlined in his response, is not applicable to this situation in Pennsylvania. Further, as also discussed in another answer, while a court may decry your husband be liable to you for some amount in a divorce or other situation that is NEVER binding on the third party lender......so in summation, you owe 100% of the money....what, if anything, you can get back from him has no bearing on you owing the credit card debts. It may be a good idea for you to file a bankruptcy, you should set up a free consultation with an attorney near you to discuss bankruptcy as well as other ways to deal with this debt.

  3. Mark Markus

    Contributor Level 16


    Lawyers agree

    Answered . I don't see how this is a bankruptcy question. Your question depends on the property laws of your state.

    Mark Markus has been practicing exclusively bankruptcy law in California since 1991. He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization, AV-Rated by martindale.com, and A+ rated by the Better Business Bureau. His webpage is www.bklaw.com

    Legal disclaimer: Mark J. Markus practices law in California only. The information is not, nor is it intended to... more

Related Topics


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.


There are different types of debt, but all involve one person (the debtor) owing money to another (the creditor). Terms of repayment are governed by a contract.

Can't find what you're looking for? Ask a Lawyer

Get free answers from experienced attorneys.


Ask now

19,961 answers this week

2,578 attorneys answering

Ask a Lawyer

Get answers from top-rated lawyers.

  • It's FREE
  • It's easy
  • It's anonymous

19,961 answers this week

2,578 attorneys answering