can a credit card comp be held liable if by divulging info to my wife not on the account, cause us to separate
81950
Possibly if it is in breach of your privacy according to legislation where you live.\n\nYou would have to check the fine print of the contract and check what privacy protection legislation exists in the jurisdiction where you live.
40285
Unfortunately yes.  As long as he/she has your personal information (full name, date of birth, SSN, mother's maiden name, etc...), credit cards can be obtained over the internet without even signing an application.  It's insane!
792208
When you cash (i.e., endorse and cash, but even if you fail to endorse your contract with your bank and the Uniform Commercial Code make it the same) a check you guarantee all prior endorsements. So whether or not you knew of the forgery, you are civilly liable.\n\nOnce you know of the forgery, any future cashing of such checks may be prosecuted criminally also.\n\nYou have subrogation rights (i.e., you could claim against her any money you have to pay someone else) against your friend ... but she's probably insolvent.\n\nIf the money was actually spent on the child and more specifically if the husband knew or should have known and tacitly assented to the "forgery" then there is no liability because she will have acted as his [authorized] agent. It does seem implausible that this was going on for a long time without the husband knowing, or being charged with knowledge, that the checks were being cashed "on his [or the child's] behalf".
319922
My wife and I were both previously married.  We have a joint account for the majority of our money and then she has a small separate account so she can buy gifts and stuff without me knowing.  I think a relationship that is based on trust and sharing includes the financial side of things.
86675
SSA will not change your number without good reason.  Hiding a bad credit record wouldn't be one of them.  If you are abused by your spouse, however, SSA will in some cases grant relief.
443510
if witch ever credit card was racked up was under your name also than it can result you in bad credit
474303
There is so much more to this story. But if you are divorced she has no legal right to add you to the account and you are not responsible. In fact if you had nothing to do with it, it is a felony. Talk to her bank and ask them how you were added without your signature. Get anything you can in writing such as what was spent on the account and write down who you talked to and when. Sounds harsh but you don't really want to have this effect your credit do you? It will and be a huge hassle later if you are not proactive.
344362
YES IT SURE CAN BE A VERY BIG PROBLEM, NOT ONLY FOR YOU , BUT FOR YOUR CHILD IN LATER LIFE, IF YOU HAVE BOUGHT LIFE INS. AND YOU PUT THE WRONG DATE OF YOUR MARRIAGE, OR ANY OTHER INS. WITH THE INCORRECT INFORMATION, THEN COMPANIES THAT WROTE THE INS. DO NOT HAVE TO PAY A CLAIM. AND IN SOME STATES THERE IS NO STATUE OF LIMATIONS. WHICH MEANS YOU CAN BE PROSCUTED AT ANY TIME, MAINLY IF YOU TOOK PROCEEDS UNDER FALSE PRENTENSE.  GOD FORBID..  \n PLEASE FOR THE SAKE OF YOUR CHILD CORRECT THIS INFORMATION. AND THAT WILL BE THE END OF IT...\n\nTHANK YOU \nHAVE A NICE DAY\nGOD BLESS YOU
714705
No, creditors should not seize the account. Although when you marry someone you assume their debt, you mom is not on the acocunt. These laws vary from state to state though. The account that  your father uses would contain your Dad's social security income which is considered public assistance (governmant money) it is illegal to touch that money. If this becomes a problem then your family may have ground for a lawsuit. If you are interested in protecting your family's financial and legal identity, I have some thing that may help assist with any legal questions or situations in the future. Please go to my website @ www.prepaidlegal.com/hub/kvmclish to see a  presentation or call 1-800-394-6919  listen and let me know what you think. I would love your feed back! Please e-mail me back @ k_mclish@yahoo.com and I will be glad to answer any questions you may have. At that point, if you are open to it, we may exchange numbers. Hope this helps!!! \n\n~Karen
804747
Possibly yes. It's a good idea to keep separate bank accounts - that way you will be able to always show that you have good credit. And if you buy something jointly you will probably automatically become responsible for it, especially as she already owes money elsewhere. :-/
812416
Two wrongs don't make a right.  Your mom needs to speak to an attorney who specializes in such matters.  To deliberately try to defraud creditors rather than attempt to set the record straight will get her into deeper hot water. She can give her money to whom ever she desires but to transfer funds under your name when it is not a legit gift could be a problem.  Creditors have access to our banking records and if this is found out, she could be prosecuted as a criminal matter instead of a civil matter.\n\nWere your parents legally separated at the time your father opened these credit accounts?  Where were the cards mailed to, etc.? The creditors aren't listening because what is happening is not uncommon.  People knowingly use all sorts of tricks and loopholes to defraud institutions all the time so just having your mother tell them about her estranged husband's bad acts is not going to be enough.  She needs to get on with the business of taking care of this.  If she had nothing to do with this, she should be able to provide records and documents to augment her claim and innocence.\n\nHope it all works out.
159837
Only if they are a secured creditor can they go after assets and wages. Most credit cards are unsecured debt. But, I am not an attorney, and you should really ask an attorney.
60737
You share the responsibility with the other party.  It will reported on both credit reports.  If you co-signed with someone and the other person stops paying, you are liable and must pay or it will affect your credit also.
122664
If a spouse INCURS a debt and she is liable on that debt individually, then her husband does not INCUR the same debt unless he has guaranteed the debt as well. \n\n(This is federal law)
457309
Yes.  What the company that charged off the credit card did, was to sell your contract (account) to the collection agency/attorney that is calling you.  They can take you to court and sue for a judgment against you.  If you own a house they can put a lien on it. They can also demand $35 a week (or the sum the judge says) until the debt is payed off. Or, attach your wages.\n\nYou do have rights regarding their right to call.  You could call your State Attorney General to find out your rights.  (I know, after a while you want to disconnect the phone and except calls from no one.  I found it very depressing.)\n\nThe best thing is to eventually negotiate a settlement with them.  I think it is better to do this before it goes to judgment.  Also, Stay up with the court procedures.  As soon as you get served go to the Court house and fill out the form "Appearance".  I think if you look like a fighter they will be more willing to negotiate to a lower settlement.\n\nI got a lot of help from:\n\nwww.creditinfocenter.com\n\nGood luck!
647627
Keeping in mind I'm not a lawyer.....\n\nAccording the the Uniform Commercial Code banking laws, Article 4 states the following:\n\n§ 4-401.  WHEN BANK MAY CHARGE CUSTOMER'S ACCOUNT.\n\n(a)   A bank may charge against the account of a customer an item  that is properly payable from that account even though the charge creates an overdraft.  An item is properly payable if it is authorized by the customer and is in accordance with any agreement between the customer and bank.\n\n(b)  A customer is not liable for the amount of an overdraft if the customer neither signed the item nor benefited from the proceeds of the item.\n\n\nSo, as I read this, since your wife did authorized the purchase, and did benefit from it, the will be held liable for the cost.  \n\nYeah, it sucks.  But you know bankers.
960745
Yes!\n\nThe first thing you need to do is notify your bank that this happened.  Many banks will offer a free credit protection program for people who may have been victims.  If they don't, they can refer you to reputable businesses who assist you in monitoring your credit report.  Anytime someone tries to open an account in your name or do anything with your social security number, a red flag goes up.  \n\nIf they are granted a credit card, you will immediately call that credit card company and cancel the card, telling them that your identity has been stolen and you are not responsible for any charges made.\n\nI would also file a police report - they won't be able to do anything without proof it occurred - but as soon as this person does anything, you've got backup that you practiced "due diligence" in protecting yourself.\n\nGood luck.