This depends on several factors, including your state's laws, whether you have jointly owned assets and whether you made any commitments to the creditor. ", County of Napa. The judgment isn't fully satisfied If your spouse's debt is only partially paid, for example, creditors may still be able to go after you. How this affects your spouse depends on the state you live in. What Is a Statue of Limitations On a Debt? Related Read: Will deferred judgement show on background check? They are not for sale. What to Know About the Statute of Limitations On Debt. A creditor may be able to demand you pay your spouse's debts. Every question I needed an answer to was right in the program. Chapter 7 vs. Chapter 13 Bankruptcy: Whats the Difference? If you do not own anything that can be taken to pay a judgment against you, you are judgment-proof. In general, your spouse will only be held liable for your debt if you have joint liability for the debt or if your spouse has cosigned for the debt. The judgment creditor can then begin collecting on the judgment by doing one or more of the following: However, there is an exit if that . Unfortunately, if the case goes to trial most individuals do not have very many legal defenses to collection cases. Therefore it can be well worth the effort it takes to attempt to negotiate a settlement before things get into court and to defend any lawsuit filed against you. Typically you can only have one garnishment in effect on your wages at a time. Depending on your state, a judgment remains valid from five to 20 years or more. When I get married, if I have a judgment lein against me, does it I nevercould have done without Upsolve. More frequently, theyll use a wage garnishment or levy your bank account to satisfy a judgment against you. Can I Get Rid of my Medical Bills in Bankruptcy? if you have your own separate bank account and a judgment is taken against your spouse, that creditor can also garnish your separate account to pay for your spouse's debt.

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