Is there a way to keep collectors from coming after me, if I get married and soon to be spouse owes money to various people?

Asked on January 21, 2013 under Bankruptcy Law, Pennsylvania

Answers:

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

Answered 7 years ago | Contributor

The key here is keeping your accounts separate.  They can not attach assets of yours alone.  But once the accounts are co mingled and there is a judgment against your spouse, they can pull from the joint account or a joint tax refund.  Best to try and settle things asap.  Good luck.

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

The only way to stop debt collectors and creditors from pursuing you for payment on past due or defaulted debts would be to file for  bankruptcy. Bankruptcy has powerful effects, both good for the individual (stopping collections efforts; discharging debts) and bad (potentially having to liquidate assets or live according to a strict, court-ordered budget or plan; significant damage to credit rating).  Rather than make the decision what to do on your own, you are advised to consult with a bankruptcy attorney--many will provide a free initial consultation (you can ask about this prior to coming in).


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