Personal credit card debt

North Carolina Divorce Law Divorce and Separation Answers
1

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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Helena M. Nevicosi
Attorney with Rosen Law Firm

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Raleigh, North Carolina 27607
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2

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.