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A spouse can take out all kinds of credit that you may know nothing about, but when the accounts fall into arrearages, they can and will damn sure come after you to satisfy them.
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Unfortunately, this is very true and I have first hand knowledge of this. My wife and I have been married for what will be four years this year. She had some serious money problems before we were married. I knew of some of them. The debt I did know about she claimed came from her ex-husband's poor money management skills and lack of job. I've learned that she has poor money management skills, too, and I've been working with her on those. I thought we fixed a lot of the problems. Then, one day I found a credit card that I didn't know about in my name. Of course, when I called it was maxed out and four months behind. When confronted about why she opened up a credit card in my name she justified it by saying it is in
our name.
Because that made all the difference in the world. Makes me wonder how much of her problems were her ex-husband's fault and how much was her fault.
Moral of the story, be careful who you trust because, like it or not, you're the one who will have to pay in the end.