Can a cohabitating partner be liable for credit card debt? 7 Answers as of December 21, 2010

In a cohabitation situation, is the non contractual user liable for any debt on revolving credit (credit cards). By Non contractual I mean: Did not obtain the cards originally,but is allowed to use cards without restriction.

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DiManna Law Office, LLC.
DiManna Law Office, LLC. | Dawn DiManna
Not if they are a signor and not a guarantor.
Answer Applies to: New Hampshire
Replied: 12/21/2010
Greifendorff Law Offices, PC
Greifendorff Law Offices, PC | Christine Wilton
Generally, if they're only an authorized user, then probably not. You can always close their card down and remove them.
Answer Applies to: California
Replied: 12/21/2010
William C. Gosnell, Attorney at Law
William C. Gosnell, Attorney at Law | William C. Gosnell
Yes, you can still be liable for the debt.
Answer Applies to: Tennessee
Replied: 12/21/2010
Bankruptcy Law Office of Robert Weed
Bankruptcy Law Office of Robert Weed | Robert Weed
No, that partner cannot be liable for the debt.
Answer Applies to: Virginia
Replied: 12/21/2010
Carballo Law Offices
Carballo Law Offices | Tony E. Carballo
Whether or not the authorized user is "co-habitating" with the person who agreed to pay for the credit charges is irrelevant. An authorized user is not liable to the bank for the charges on the credit card. You might be liable to the holder of the credit card if you use the card for things for which you were not authorized to use the card or for more than you were authorized. You say that you were authorized to use the card without restrictions so all the liability falls on the person who agreed to pay the bank. People who authorize others to use credit cards in their names are taking a big risk so be careful who you allow to use your credit because you might end up paying the entire bill.
Answer Applies to: California
Replied: 12/20/2010
    Law Offices of Lady Justice
    Law Offices of Lady Justice | Mona Patel
    So they never did cosign with the credit card company right? The answer to your question if they did not cosign is that your partner will not be liable for any of the debts.
    Answer Applies to: California
    Replied: 12/20/2010
    The Shakoori Law Group
    The Shakoori Law Group | Rachelle Shakoori
    The credit card company should not be able to go after someone who did not sign a contract with them (authorized user). They still may attempt to mark it in their credit.

    I highly recommend that you retain an experienced bankruptcy attorney in your jurisdiction to guide you through the complexities of bankruptcy law and procedure
    Answer Applies to: California
    Replied: 12/20/2010
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