The answer is Yes, but... you might wanna make sure and wait for someone else to confirm it as I am not very confident. Better yet, why don't you give a call to the Discover Card guys because they can help better...

LIE.

Would have to be a "JOINT" account.

Unless they can do it because you live in a community property state.

The community property states are:.

Arizona..

California..

Idaho..

Louisiana..

Nevada..

New Mexico..

Texas..

Washington..

Wisconsin..

ALL HE WOULD HAVE TO DO IS DISPUTE IT AS "NOT MINE".

(or some other words) IF IT SHOWED UP.

Don't forget....

100% of CA's.

LIE.

...102% OF THE TIME.

This post has been edited by.

GEORGE.

: 22 January 2010 - 02:42 PM..

I have just realized that I'm the biggest idiot for believing these people. I live in Oregon, I did not think that it was possible for a debt in my name ONLY to affect my husbands credit report..

I will confess, that my husband does not know about this card that just charged off. I have had it for 10 years, and with the loss of my job last year - and everything else going on, I have been too afraid to tell him as we obviously didn't have any way to make the payments and my wages always covered it..

Can the creditor disclose my debt to him on the phone- if it is NOT a joint card?..

In the real world....

NO.

In the CA world....

THEY DO IT ALL THE TIME.

This post has been edited by.

GEORGE.

: 22 January 2010 - 05:06 PM..

Considering that you are married to this man, and he will be the one footing the bill if you are ever sued before getting a new job, do you really think it is a good idea to keep a secret like that?..

We are going through separation right now, at this point this would only make things much worse. I'm not sure what I'm going to do. If we divorce, this would be my debt and he wouldn't be responsible- at least that is what I assumed? I have never found myself in a situation like this- I just want to hide under a rock. I won't let myself get to the point of being sued, I am going to try to negotiate a settlement and then go from there. I will ask my parents for help if I have to. I don't want to get off without paying (with Discover card) my debt, I just would like to somehow make payments but at this point they are not offering me that option at all.

I just started working again, so I'm finally getting my head above water. I just don't want to be harrassed by phone calls- and I don't want this affecting an already precarious situation with my spouse...

*nod* agree with telling your husband. My wife did this to me last year. Things got a little tight for us in January/February 2009 due to a housefire. Instead of discussing the issue with me, she put several optional purchases on her CC's with the expectation that we would pay them off with our tax returns..

Things didnt go as planned and she eventually charged them off in July. I found out in August when I went to replace our vehicle and refinance our house....Suddenly her houshold income couldn't be used and I had to scramble to move money around to meet debt to income ratio's on the purchases. It was a huge pain in the butt..

The worst part is, had she been honest with me I probably could have found a way to at least pay the minimums until things swung back to the positive. Essentially, she screwed her credit up for nothing as I got a much needed raise/bonus in August/September that caught us up. I ended up using my bonus to pay off/settle her cards and she ended up with several fresh chargeoffs that will be tough to get removed..

This post has been edited by.

Jtoast.

: 22 January 2010 - 05:43 PM..

Under normal circumstances, I would agree with jtoast. But in the circumstances where you are involved in a separation, I would trust your own judgment..

If things proceed as you anticipate, this debt shouldn't impact your husband. There's definitely no way that it should affect his credit or that he would be obligated in any other respect..

The only reason I can think of for revealing it to him is that if he's under the same roof, he may see related correspondence. And, if he should talk to the collector on the phone, it's very likely the collector will discuss details with him. It may be better to avoid an unplanned ugly scene by being upfront...

I'm in a bad situation, and I don't want to make this worse for many reasons that I won't go into here. I've had this card for 10 years, prior to ever being married so it is in my name only. I do have a question, would the creditor be violating any laws by discussing my debt with him, if he is not responsible for the debt or can they by law disclose this information to my spouse?.

After spending time reading these boards, and the laws- it is quite clear to me that this creditor has violated MANY and I wish I would have known what I do now after just a day of reading these boards!!! I'm such an idiot for talking with these people so much on the phone, and letting them threaten me with everything under the sun!!!..

Are you in a community property state? Thats the only case I can think of that could possibly make the statement true...