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Marriage and Debts

DramaQueen29
DramaQueen29 Posts: 152 Forumite
in Debt-free wannabe
Quick Question

If you get married what liability is there for your new spouse's debts if theyre not secured and only in thier name?

Total Joint Debt £139k :eek:
Proud to be dealing with our debts:T

Comments

  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    As long as they're not joint debts you're not liable even if you're married.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    There is no liability for consumer debts, although I believe they would be liable for council tax debts. However, should the partner with the debts die then the creditors would be paid from the deceased' estate, should there be enough.

    If not it is possible that you could be made to sell your home (wh you should get life insurance) due to an 'Insolvency Administration Order'! Apparently! :p

    Have a read here for more info. :)

    http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/DebtsAndArrears/DG_10013093
  • Donedoingdebt
    Donedoingdebt Posts: 1,196 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    As stated, there is no liability to pay the OH's debts as long as they are in their name only. However, were you to ever open a joint account & your OH broke any repayment contracts such as DMP, IVA etc then your credit file could well be adversely affected.
    Donedoingdebt Lightbulb moment January 2000. Debt at highest approx £102,000. Debt now (October 2009 - absolutely fork all!!!):beer:
    CSA case closed on 02/09/10 :beer::beer:
This discussion has been closed.
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