Do I Have to Pay For My Husband’s Credit Cards?

Woman checking papers

Question: We live in Johns Creek. After my husband lost his job at the car dealership he started using credit cards for everything. He bought a boat, a jet ski and a horse. Then he started buying everything on credit. He purchased cigars, scotch, tequila, football tickets, bourbon, clothes, beer, cameras, furniture, knives and guns. And there was a lot more.

Then I caught him paying for escorts and massages with his credit cards. Pretty soon I noticed he had a girlfriend and was taking her out to movies, dinners and shopping. They took trips together and he told me he was going on job interviews.

Now we're getting divorced and I'm worried that I might be responsible for some or maybe even all of the debt. When my husband got the credit cards we both signed for them at our bank.

If I signed for the cards, can they sue me for the debt even though I didn't use them? It just doesn't seem fair at all.

Answer: Since you signed at the bank and obligated yourself to pay the credit card, even though your husband is responsible for the charges, you can be sued for the debt. Your question is more common than you may realize.

It is common for a spouse, relative or friend to help someone get a credit card. And if that spouse, relative or friend signs as an obligor, if the balance is not paid, that co-signor is liable. In fact, in your case, even if your husband were to file for bankruptcy, you would then become fully liable for the debt. Although you, too, could discharge the debt through a bankruptcy filing.

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