What should I do to make sure my spouse pays the bills they are responsible for? In any case, keep making at least the minimum payments during the divorce process to avoid damaging your credit. It may make sense to close any shared credit card accounts if possible. If a credit card is in both spouses’ names, a true joint account, the company will hold you both responsible for the debt. There is a difference between a “joint credit card account” and an account with an authorized user. This will prevent them from making any further charges. If you are the primary cardholder, it is generally advised to remove the other spouse as an authorized user on your accounts. In general, you are responsible for debts in your name. If the authorized user runs up charges, then the primary cardholder can be responsible. Many times, one spouse is the primary cardholder and the other is an authorized user on the account. One issue that comes up in almost every divorce is credit card bills. A local Jefferson Parish family law lawyer can help you figure this out! Do I have to pay the credit card bill if my spouse made all of the charges? Since the community regime is going to be dissolved as of the filing of the divorce petition, if you use your separate property to pay this community debt, you may be entitled to reimbursement for part of the payment once all the property issues are resolved. However, it won’t feel so great when you later apply for a loan and realize that your pettiness cost you your chance for a new house or vehicle. It may feel good at the moment to have utilities in the house where your spouse still lives shut off for nonpayment. Don’t let yours take a nosedive because you don’t think you should “have to” pay a certain bill.Īs a general rule, if your name is on a bill, you should pay it, to avoid collections or other negative consequences. Maintaining a good credit score is important. Why should I pay the household bills if I’m not in the house? the person living in the family home, or driving the car, or with the stellar credit, etc.) should take the initiative and continue paying the debt. So, in many cases, the person who has control or the greatest interest at stake (e.g. Legal advice from a Metairie divorce attorney can help you figure out what accounts to pay while your divorce is pending. While both parties remain liable for community debts during and after a divorce, knowing who is responsible for what can be an issue. If there is a mortgage note or car payments or utility bills or credit cards, the bill needs to get paid by someone or bad things happen – like foreclosure, repossession, lawsuits, credit problems, no lights, etc. But bill collectors (Entergy, Cox, AT&T, your mortgage provider, car loan provider, etc.) do not care if you are divorcing. Divorce seems to be consuming your whole life.
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