Is my wife responsible for my credit card debt?

Q: Can a credit card company sue you after 3 years?

In Arizona, the statute of limitations for credit card debt is 6 years. This means a credit card company can sue you for unpaid debt within that time frame. If the debt is older than 6 years, they may be barred from filing a lawsuit to collect it. However, it's essential to verify the details of your specific situation.

Q: Can credit card debt be forgiven due to disability?

Credit card debt may not be automatically forgiven due to disability. However, some credit card companies offer hardship programs that can provide relief, such as reduced payments or debt settlement options. It's advisable to contact your creditor to discuss your situation and explore available options.

Q: Can a credit card company come after you if you're on disability?

Yes, a credit card company can pursue collection efforts against you even if you are on disability. Being on disability does not exempt you from repaying debts. However, if you are facing financial hardship, you may want to discuss your situation with the creditor to explore possible relief options.

Q: Can credit card bills be forgiven when you get disabled?

Credit card bills are not automatically forgiven when you become disabled. However, some creditors may offer assistance programs for those facing financial difficulties due to disability. It's important to reach out to your credit card issuer to inquire about any available options for debt relief.

Full question:

We moved here from Indiana 3 years ago. I had my own credit cards. I went own total disability. Is my wife responsible for my debt now that we live in Arizona?

Category: Debts and Credit
Subcategory: Credit Cards
Date: 04/07/2025
State: Arizona

Answer:

Generally, a spouse is not liable for the debts of the other as long as it is an individual account, the spouse running up the debt is not an authorized user, surety, guarantor, or cosignor, and the couple does not live in a community property state. However, even in a community property state the assets of the spouse not running up the debt could be at risk. For example, in cases involving, among others, bankruptcy, divorce, or other litigation, creditors may go after assets held jointly by the debtor and non-debtor spouse, such as a bank account in both their names. If your spouse agrees to pay off a joint credit card debt but does not, the bank may successfully sue you for that debt. However, state laws vary about which marriage partner is responsible for certain debts, depending upon when the debt was incurred, the identity of the debtor, or the purpose of the debt.

This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.

FAQs

Am I responsible for my spouse's debt in Arizona?

In Arizona, you are generally not responsible for your spouse's individual debts unless you are a co-signer or authorized user. Arizona is a community property state, which means that debts incurred during the marriage may be considered joint. However, if the debt was solely in your spouse's name and you did not agree to it, you typically would not be liable for it.

Can a credit card company sue you after 3 years?

Can credit card debt be forgiven due to disability?

Can a credit card company come after you if you're on disability?

Can credit card bills be forgiven when you get disabled?

Is there debt relief for people on disability?

Yes, there are options for debt relief for people on disability. These may include negotiating with creditors for reduced payments, enrolling in hardship programs, or seeking debt counseling. Additionally, filing for bankruptcy may be an option, but it’s crucial to consult with a legal professional to understand the implications.