Legal Question in Credit and Debt Law in North Carolina

Your husband is not liable for your debts incurred before marriage. Neither is your aunt. So, if the finance company got a judgment, they could not go after either your aunt or your husband.

While your husband is not liable for your debts, I don't know how his credit stands. If he has good credit all on his own, then maybe your credit will not affect him. However, if your husband will need you in order to help him qualify for a mortgage loan, then your credit will come inito play and may hinder you from getting a mortgage at a good rate or at all. Before you go house hunting, I would obtain free credit reports on both you and your husband at www.annualcreditreport.com.

If I were you, I would try and work something out to avoid a default. If nothing else, rent out the trailer for enough to cover the payments. Or try and sell it for at least the balance of what is owed. If you must default, then wait until after you get the new home and qualify for the mortgage.