morgannj Posted September 5, 2008 Report Share Posted September 5, 2008 i am marriedhusband got cc for 30k without my knowledge and maxed it outhe hasn't paid it in a year so charges are now over 30kthis was never a joint cardi was never an authorized usercollection agency is calling me every hour telling me i am responsible for debti told them they didn't contact me when he applied for card!collection agency says they are coming after me and going to ruin my creditmy credit is impecablemy husbands is a mess, i don't know how they even gave him the cardtoday collection agency called my personal accountant and asked him to give me a message to call themall my assets are in my name and always have beenmy husband is not on anything, car, house, business, you name itcan the collection agency really do this?can they ruin my credit over this debt?can they come after my assets?we were married when he got this credit card. Link to comment Share on other sites More sharing options...
swirlgirl Posted September 5, 2008 Report Share Posted September 5, 2008 They are trying to scare you. NJ is not a community property state. You need to get a name and address and send them a Cease and Desist letter as you are not responsible for this debt. If they fail to comply, send an ITS. Since this amount is large, you may need to take your name off of any joint bank accounts in case your husband is sued.Bigger question is what does your husband say about all of this? Link to comment Share on other sites More sharing options...
LeslieR Posted September 5, 2008 Report Share Posted September 5, 2008 Are you sure that he didn't use your information to get this card?Is NJ a community property state? Link to comment Share on other sites More sharing options...
LeslieR Posted September 5, 2008 Report Share Posted September 5, 2008 OK wasn't sure about NJ - I trust swirlgirl is correct.I concur with her - but I definitely would look into whether he put you on the application without your knowledge. Have you looked at your own credit reports? Link to comment Share on other sites More sharing options...
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