Legal Question in Credit and Debt Law in New York

Credit Obligations

I have been legally separated for 7 yrs. from my husband. There are two credit cards, that he has and has been using that also has my name on it. He has been diagnosed with terminal cancer and his life expectancy is 6 - 12 months. He has been disabled for the past two years and has seeked debt management which I am also on for my credit card. Will I be responsible for the balance on his credit cards, if so, is there anything I can do before his demise to make sure I am not responsible for his debt. I thank you in advance for any suggestions or guidance you may offer.


Asked on 5/05/04, 11:27 am

1 Answer from Attorneys
Guy Lewit Guy Mitchell Lewit, Esq.

Re: Credit Obligations

If you are truly separated (and it sounds like you are) THEN SEPARATE YOURSELF FROM HIS FINANCES BY WRITING TO THE CREDIT CARD COMPANIES AND REMOVE YOURSELF FROM HIS CARDS....You may have to defend y ourself should he leave balances on the cards when your name was on them since you are, in effect, co-owners of the card and you are not legally divorced...have you discussed that with a divorce lawyer? If he's going to die in less than a year you should know all the ramifications of being his wife when he dies...it may be beneficial to stay married or it may be better to get legally divorced....find out..

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Answered on 5/05/04, 1:51 pm


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