Visa co-applicant and collapse? I have a visa for 10 years and a couple years ago

I have a visa for 10 years and a couple years ago I get a supplement card for my spouse. I have a business end this year that forced me into personal liquidation.
Now the visa company is demanding full symmetry of the visa from my spouse since they have a supplemental card.
The visa is not on my spouses credit report and is scheduled as an 'Individual Account' on my credit report. All our united accounts hold continued to allow my spouse to craft monthly payments as past my ruin.
But, the visa said they enjoy classed the portrayal as a 'desperate debt' and junk any payments on the justification (which have other be up to date until bankruptcy) and my spouse must money surrounded by full.
Is my spouse truly liable for this debt he be not a co-signer but a then co-applicant? If so, would they not hold to allow him to verbs making payments? We hold no money to reward the go together within full and I discern that he may not be liable for the debt. Are in that any lawful rights on our finish?
Thank you for your minister to!

Well to begin near most states are NOT community property (only 9 of 50, those 9 individual AZ, CA, ID, LA, NM, TX, WA & WI)

You voice "supplement card", do you propose authorized user? If he be only an authorized user, not a pooled rationalization holder and you aren't within one of those 9 states later he should not be liable.

HOWEVER, you may obligation some aid convincing them of that. Have you asked your collapse attorney? He/she should know in a jiffy whether he is or isn't liable and I would hope be predisposed to fire past its sell-by date a dispatch to anything guard issued that Visa card.

You may also want to explore the Credit Boards website, it can assist you answer the above put somebody through the mill AND be a remarkably big facilitate on rebuilding your credit post bankruptcy

http://www.creditboards.com/forums/...

especially read the newbie forum

Good luck!

The one and only track he would not be equally responsible for your debts is if you do not live within a community property states. Most states are community property, to prevent one spouse from finish up homeless during a divorce, but debts are property too.

I am not sure how you file bankrupsy w/o involving him. Why wasn't this card included in the bankrupsy? It should enjoy be, and his usage canceled.

I agree next to Craig and Spiff..I don't chew over your hubby have a liability. But it's best to ask that overpriced legal representative who handle your ruin to bring a look into it.

Lots of inhabitants believe that once they��ve file for ruin they will be inept to ever return with a loan again, and ultimately they are unqualified to do anything financial ever again. This isn��t other true, nearby arewill give a hand to promote your credit history within a few different ways.
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