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Law Girl
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Category: Consumer Protection Law
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Experience:  I am an attorney versed in laws that protect consumers.
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If my wife has a Credit Card debt that the creditor earns a

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If my wife has a Credit Card debt that the creditor earns a judgement on, can they attach a joint bank account? Or garnish my wages? We reside in VA, and she does not work.
Submitted: 5 years ago.
Category: Consumer Protection Law
Expert:  Law Girl replied 5 years ago.

Law Girl :

Thank you for your question. Although I am an attorney, I cannot represent you. However, I will give you the most thorough information I am able. Was she working at the time she applied for the credit card?

Law Girl :

Did she list your income on the application?

Customer: replied 5 years ago.

I am unsure, but I belive no

Customer: replied 5 years ago.

I believe we listed my income...I am not listed as an applicant though, the loan is solely in her name

Expert:  Law Girl replied 5 years ago.

Thank you for that clarification.

The fact that your name is XXXXX XXXXX the application may be a semantic issue. If your income is listed, even if the card is in her name, the credit card company may be able to rely on joint assets or household assets to repay the debt.

It may be in your best interests to see if a copy of the credit card application can be obtained and sit down with a local Consumer Law Attorney to look at the remedies afforded to the credit card company.

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