Debt is a problem we all face, who are we to judge how much of a problem it is for others? Getting into debt, or having your spouse get into debt is bad enough. The question is who is responsible for your spouse’s debt when you’re about to get married?

Some marriages do not survive because of money problems or tax debt problems. But others see it as common ground to work on together.

The best thing to do is to know your policies beforehand. Read more to learn more about marriage and debt.

Will My Credit Score Be Affected by My Spouse’s Debt?

Spouse's Debt

If you are married and your spouse incurs debt, you may be held responsible for the debt depending on your state’s laws. If the debt affects your credit score, it may also affect your ability to get credit or loans in the future.

In some cases, you may be able to have the debt removed from your credit report if you can prove that you were not aware of the debt and did not sign for it. If you are considering marriage, it is important to discuss your financial situation and any credit card debts you may have with your future spouse. This can help you avoid any surprises down the road.

Are You Taking Over the Debt?


In some cases, you may be responsible for your spouse’s debt, while in others you may not be. It all depends on your individual situation.

If the debt was incurred during the marriage, then both spouses are usually responsible. However, if the debt was incurred before the marriage, then usually only the spouse who incurred the debt is responsible.

There are exceptions to these general rules, so it’s important to discuss your specific situation with an experienced financial or legal professional. But in general, when it comes to debt and marriage, you’re not automatically responsible for your spouse’s debt.

Handling Spouse Death

marriage debt

If the deceased spouse had any joint accounts with the surviving spouse, then the surviving spouse may be held responsible for those debts. However, if the deceased spouse had any individually owned accounts, the surviving spouse is not typically held responsible for those debts.

Creditors may attempt to collect from the surviving spouse, but they do not have the legal standing to do so. If the surviving spouse is contacted by a creditor, they should direct the creditor to the estate’s executor. The executor is the one responsible for dealing with the deceased spouse’s debts.

The High Costs of Marriage and Debt

Marriage is a partnership, and both partners are usually equally responsible for their marriage and debt. However, there are some exceptions to this general rule.

If one spouse incurs debt without the knowledge or consent of the other spouse, the unsuspecting spouse may not be held responsible for that debt. Additionally, if a divorce decree states that a particular debt is the responsibility of one spouse, the other spouse is usually not liable for that debt.

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