In South Carolina- can a wife take out a credit card in her husband's name and use it?
439672
Due to new laws, many companies will not take a card in someone else's name, your husband, parents or otherwise. Your best option is to have him open the account and call the company and add you as a registered user.
942437
Speak with an Attorney about this. Sometime some company don't have to abide by the POA, or they choice not too. \nGet an attorney involved, and I'm sure things will flows after that.  I do hope you are sending the company the copy of your POA, not the original!\n\nI think the company concern are who will be the person paying for all this credit card charges. Just to let you know, being given the condition of using her card, you are liable for all these charges.  Even though, your mom's name is on the card.  The company will be going after you for this.  I do hope you are aware of this.
984555
The only thing that matters is what she did, and that's steal from a helpless older person. It's too late to prevent consequences for your husband's mother, but your story can serve as a wake-up call for anyone who's thinking about giving power of attorney to a relative whose integrity isn't beyond reproach.  A Power of Attorney can be abused, and dishonest Agents have used Powers of Attorney to transfer the Principal's assets to themselves and others. That is why it is so important to appoint an Agent who is completely trustworthy, and to require the Agent to provide complete and periodic accountings to the Principal or to a third party.  Should a Principal, member of the Principal's family or a friend have grounds to believe that an Agent is misusing or misued a Power of Attorney, the suspected abuse should be reported to the police or other law enforcement authority to protect the Principal from the loss of his or her property. Request copies of past concealed checks, bank statements, and withdrawals to look for forgery or unusual activity. If forgery or misuse of funds is apparent, your husband's Mother can sign an affidavit with the bank and it will be investigated. The police or FBI may get involved at this point. Consider asking an Estate Planning lawyer for help and advice.
735825
I had a Visa car with my dog's name on it.  It's quite legal because the responsible person is the parent and the card is simply a second card on the primary account.\n-MM
129526
yes. anything acquired during the marriage is marital property no matter whose name is on it
437342
That depends on the credit card!
444581
If your name is not listed on the credit card and you have not signed an agreement with the credit card issuer, then you are not liable to the issuer (the bank) for the money, and they will not and can not come after you for the money. \n\nIf you signed no agreement with the holder of the credit card (your friend or family member) then they have no legal way to obtain ANY of the money from you - the saying goes, "verbal agreements are not worth the paper they are written on"  unless the verbal agreement was witnessed by others then it would be very difficult, if not impossible, to prove in a court of law that the money was anything other than a gift, so in this case you could probably get away with not paying anything. \n\nHowever you do have a moral obligation to pay back the money, you borrowed it in good faith and should pay it back - i don't know the reason why they are asking for it back, maybe the owner of the credit card has lost his/her job and can not afford to keep the credit card open - this is something that you have to work out with them; but is purely on a moral basis, and there is no legal recourse that the person could easily follow to make you pay the money - of course a baseball bat against your kneecap is a good incentive to pay, dependent on the person that you borrowed from of course.
718904
You get the bill, right? You then have a call list, which if they were willing, the callees could write you letters explaining that they were talking with your wife, and not you. Slim? Yes, but you do have the SMALL CLAIMS path; in the mean-time you'll have to pay what the service provider demands. You can also get a contract in your wife's name and run up a bill for her, which YOU can refuse to pay.\n\nYou may have to use your imagination on this one.\n\nOTBPOC
282042
1) Depends primarily on whether the debt was incurred before or after marriage (or partially both)\n2) Also depends on your state law (whether the debt is characterised as community property)\n3) May also depend on whether the borrowing was made against community property assets (e.g. credit card debt, student loan, personal loan vs. remortgage, home equity loan, loan against 401K or stock).\n\nProbably you mean a CC debt from before a marriage?\nIn which case the answer is probably no.\nHowever *beware* that lenders may still try to recover against the other (more responsible?) spouse and this may damage your credit. So make sure your lack of liability is spelled out in any legal settlement or MSA.
556555
Yes they can and do all of the time. The only thing is to keep the card paid and current. My brother bought my grandmothers house and was executor of the estate. He still has her credit cards current and even her phone, the number is 50 years old. Now if you don't pay them and keep them up to date it would be a crime. The people are dead, who is going to sue you?
489723
Okay everyone makes mistakes and I myself made quite a few when I was younger..so now my credit is horrific. DO NOT GET A CREDIT CARD...you will be responsible for the balances and the interest rates are extremely high. I suggest go to a furniture store obtain a peice of furniture on credit and make the monthly payments. It takes time but believe me this is the absolute best way. If your husband already has ideas about a credit card and what he will do with it then that give you an idea of why he has bad credit. Be responsible...take your time and allow your credit to build by purchasing small priced items on a credit account. Also the more your credit is checked ..it lowers your credit rating! His credit does not necesarrially effect your credit because this was before you married...your name was not available on any of his account it will however effect any joint ventures such as applying for a house loan together.
248529
If she opened an account with them under false pretenses yes.  The fraud was incured by both the husband and the CC company, therefore either can pursue fraud charges.
173795
You are actually asking two questions, one related to your credit report and it's effect on your husband, and your liability on your old debts.\n\nThey will still be able to come after you and garnish your wages (NOT your husbands).  So if you have a job you are still in hot water.\n\nIf there is any property in your name only they can go after that.  Property jointly owned or pruchased after you marry can't be touched.  So if you have a car currently in your name, or a home, it can have a lien placed on it.\n\nWhen the collectors find out your new address, they will continue to hound you.  That's easy to solve....read the links I've supplied below and send them a "Cease and Desist" order not to contact you again.\n\nNow the good news.\n\nYour new husband does not inherrit your credit "baggage" once you are married.  Each of you have your own credit history, and unless you make joint purchases it will not effect him at all.\n\nYour husband's good credit can actually help you rebuild your own credit.  He can co-sign on some credit for you, and by making prompt payments you can re-establish yourself. \n\nI'm speaking from first hand experience here.....\n\nWhen my wife got divorced, her ex was supposed to pay a portion of the debts.  He didn't, so the collectors starting calling her up.  They started threatening her, even saying they was going to jail if she didn't pay.  She was so afraid she fled from Florida and came to Michigan, where her family lived.\n\nThen we got married....and the creditors got here new address.  I came home from work and found her crying and scared to death!  She got a collection notice in the mail!\n\nThen she got mad cause I was laughing!\n\nYou see.....what these guys didn't know was....I WAS ARMED!  I knew the law!  And now I was pissed!  In a very short time I had these guys off her case, no more calls or letters. \n\nIn a couple years her credit was spotless, she purchased her own car and had 2 credit cards.  \n\nYou need to just live off your husband's credit for a while.  You are in good shape, everything will work out fine.\n\nJust get ARMED!  Read the links below.
510100
Yes, you are not required to take your husband's last name.  You can take your husbands last name, but you don't have to.
476989
Just tell your wife you dont find her attractive anymore. It is easier.\n\n\nor feel free to call your credit card company and reverse the charges
786937
Many credit companies share information, so if it's listed on any card you have, they could have gotten it.  Also, if you called into a credit card company, the system automatically notes that number and if they don't have a good number for you they can and will try that number.  Also, they have access to pubic databases which may include your phone number.  And since you wrote them a bad check, they are well within their rights to track down a good number and call you.\n\nTwo words of advice - look into the sailors and soldiers relief act - payments on any card your husband had before deployment can be reduced and the intrest lowered.  Also, if collectors call you, answer your phone and identify yourself before you hang up.  That means they can't call back for a longer period of time than if you just scream "don't call and hang up".  Plus we are mostly nice people if you are nice to us.\n\nAnd you can't sue them, they haven't broken any laws by calling an unlisted number.
82277
Whoever the card's name is in is responsible.