Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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.
What type of debt is this?
Old credit card debt.
Is this credit card debt incurred prior to marriage?
So, your spouse's name is XXXXX XXXXX on the applications and they never had a credit card?
yes, that is correct.
Then they will have a difficult time trying to attach your spouse to any of this debt.
Your spouse cannot be held responsible for this debt.
Your creditors have the legal right to hold you responsible, but are unable to hold your spouse responsible for any of this.
Please let me know if you require any clarification and you have any follow up inquiries.
You are offline, does that mean you are coming back shortly?
I am here.
Sorry, the chat field did not scroll down to show your response. So do I understand this that I am responsible and if I have no assets, then they still have no legal recourse to my current spouse? Also my current spouse and I have a pre-nup that keeps our liabilities and assets separate. Does this help? Thanks.
That is correct. Your pre-nup does help as long as none of the assets are in your name.