Personal credit card debt


If the cards are not in your name and you have a written notarized agreement stating that he is taking responsiblity for this debt, then the debt will be his responsibility. The creditors cannot come after you.

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P.S. Please feel free to bring up this or any other topic on our live call-in show every Wednesday at 11:00 a.m. EST. Visit for details

Helena M. Nevicosi
Attorney with Rosen Law Firm

4101 Lake Boone Trail, Suite 500
Raleigh, North Carolina 27607
919.787.6668 main phone
919.787.6361 main fax

Charlotte Office
301 McCullough Drive
Suite 510
Charlotte, NC 28262
Main Phone: (704)307.4600
Main Fax: (704) 9343.0044

Durham & Chapel Hill Office
1829 East Franklin Street
Building 600
Chapel Hill, NC 27514
(919) 321.0780


The response posted above is based upon the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with an attorney, fully explain your situation, and allow the attorney sufficient opportunity to research the applicable law and facts required to render an accurate opinion. The basic information provided above is intended as a public service only, a full discussion with an attorney should be undertaken before taking any action. The information posted on this forum is available for public viewing and is not intended to create an attorney client relationship with any individual. These answers are provided for informational purposes only, a person should consult with their own individual legal counsel before taking any action that could affect their legal rights or obligations.


I asked a question this morning on your live talk show but did not have enough time to get the rest of the details to you. I asked the question about the personal credit card debt and I have a little more info I would like to give to you. First, most of the credit card debt my husband acquired during our marriage were for 2 things, one was online gambling and the 2nd was cash advances to purchase some trucks to start a business (without my knowledage). His business is failing and he is struggling to pay the debt. He is assuming 100% responsibility for his debt and he says he does not expect me to pay for any of it. I found all this out after the fact. Can we put terms in our divorce that state we are each responible for our own personal credit card debt basically stating that I am not responsible for his and he is agreeing to pay his debt. However, from a legal aspect, once our divorce is final, can his credit card companies try to come after me for the debt and can they turn me into the credit bureau for the debt. I have excellent credit and don’t want it tarnished. This is one of the reasons for our divorce… I am tired of being the one that has to carry us! Also, no children are involved.