Can a lien be placed on my house if my husband has medical debt?

My husband and I are closing on a house in 2 weeks. The loan is in my name, but the deed will be in both our names, unless we change it now. I understand there is a doctrine of necessaries in my state? If we keep his name off the deed, will I still be responsible for the debt? The medical costs were incurred during our marriage.

Asked on March 4, 2012 under Bankruptcy Law, Missouri

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

Yes you could be, for the very reason that you gave here: the doctrine of necessities. I would strongly suggest that you seek some debt counseling as soon as you can to see what you can do about the medical bills and the debt.  Either reducing it or negotiating it.  Something. Good luck.


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