If I have a debt can a collection agency harm my wife’s credit report and obtain her personal information?
by admin ~ April 25th, 2006 . Filed under: Credit .
william n asked:
I thought I had paid a bill that was in my name but come to find out I didn’t and now a collection agency is handling it. The bill was under my name only but now they are treating it as if it was her bill too.
Clay Vaneffen
I thought I had paid a bill that was in my name but come to find out I didn’t and now a collection agency is handling it. The bill was under my name only but now they are treating it as if it was her bill too.
Clay Vaneffen
April 27th, 2006 at 8:35 am
No. While they can and obviously will use your married status to try and get payment; they cannot pull her credit or use her personal information.
April 29th, 2006 at 11:16 am
Depends.
If you live in a community property State and acquired this debt after you were married then yes they can come after her, if not then no they can’t.
Community property States; AZ, CA, ID, LA, NV, NM, TX, WA & WI. Unless you live in one of those States just being married doe’s not make the debt your Wife’s.
May 2nd, 2006 at 8:29 am
Yes. Marriage is a legally binding contract that states that you and your wife are partners so anything illegal you do affects her and she can be charged for it. And what you do to your credit also affects her unless you are legally separated and she can prove you did not live together at the time.
Just watch the news. You’ll see wives being hauled away in police cars saying “but I didn’t know!” all the time. If you do something wrong she is held legally responsible. And the same goes if she does something wrong, you will be held legally responsible.
May 3rd, 2006 at 10:41 pm
no, two different people.