Getting What I Want for LessBanking on my OwnThe Ins and Outs of CreditFinding the Job for Me

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I’m getting married and have lots of debt, including back taxes. All the debt is in my name. We plan to keep our finances separate—no joint checking or savings accounts. Will my husband be responsible for my debt? Can the creditors go after him?

It’s great that you want to learn how your current debts will affect your future finances as a married couple. It’s very important to talk about money with your soon-to-be-spouse. You certainly want to start your new life together on the right foot. The answer to your question may depend on the state you live in. Generally a spouse is not responsible for debt incurred by the other spouse prior to getting married. However, in many states a debt incurred before marriage can be collected against assets of a new marriage. This means creditors could possibly go after your husband for any assets you own together-- such as bank accounts and real estate.

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