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My husband is 61 he has 1 loan and 1 car payment 2 credit cards in his name.and we bought 1trailer house its in his name sence we are married am I responciple for these debts too? if my husband should die?
This is a complicated issues since you are married. I have attached some articles that might help but they are related to children owing their parents debt not necessarily your husband. I would check with your state to find what your state says about this issue.
Our experts wrote the following two articles on parents debt; however they deal more with children than a spouse. I hope they can give you some more insight though. Best of Luck.
Besides the laws of your state, there are two other factors. One, it depends on whether you are listed as a joint owner or additional cardholder etc --- whether your name is attached anywhere. For example, were you listed on the application for the credit card or not. If you're not, then it's not your debt -- BUT here's where the second factor comes in, namely estate issues. Even if it's not your debt when he dies it's his ESTATE'S debt, and if there's enough money then his estate has to pay it, and you inherit less as a result (which will feel to you as if you're paying it yourself). Don't just rely on a website like this one. Gather all the information you have about the credit cards and the deed of the trailer and his will, and go talk to a pro.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
This is a complicated issues since you are married. I have attached some articles that might help but they are related to children owing their parents debt not necessarily your husband. I would check with your state to find what your state says about this issue.
Our experts wrote the following two articles on parents debt; however they deal more with children than a spouse. I hope they can give you some more insight though. Best of Luck.
Are Caregivers Responsible for Their Parent's Debt?
https://www.agingcare.com/articles/Are-children-Responsible-for-Their-Parent-s-Debt-133807.htm
Am I responsible for my parent's debt?
https://www.agingcare.com/Answers/Are-adult-children-responsible-for-the-medical-bills-of-their-parents--136206.htm