In Sickness, Health…and Debt? Are You Responsible for Your Spouse’s Debts?

Split DebtWhen you join your life with another in marriage, you make the promise to share all the joys and challenges of the future together…but does that include debt? What if you are a diligent saver while your husband comes into the marriage with $50,000 in student loan debt? What if he dreams of starting his own business but needs to take out a massive business loan? As his spouse, are you going to be on the line if he can’t pay? (Learn more about Money Harmony and Marriage.)

The answer to this question will depend on four important factors:

  • When the debt was incurred
  • What the debt was for
  • Who accepted responsibility for the debt
  • Your state of residence

Clean Slate After Marriage

It is not unusual for one spouse to enter into a marriage with student loan debt, a mortgage, or a lingering car loan. When you say, “I do,” are you also taking responsibility for your new hubby’s debts? You can breathe a sigh of relief. You are not responsible for any debt your spouse incurred before your marriage, unless you incurred the debt together (for example – by signing a mortgage loan together). We should note here that even though you are not responsible for your spouse’s debts prior to marriage, it is very important that you two have a frank discussion about your finances before you walk down the aisle. Student loan debt is understandable, but if your husband-to-be has maxed out his credit cards, that could bode poorly for future financial harmony, not to mention potentially make it difficult for him to qualify for future loans at low interest rates.

Why Your State of Residence Matters

What happens if your husband incurs significant debt during marriage? Are you going to have to hawk your engagement ring to bail him out? That actually depends in big part on where you live. A handful of states known as “community property states,” view almost all income, assets, and debts acquired by either spouse during marriage to be owned equally by both spouses. This is a very good thing if your spouse earns a big paycheck, because that means you have a right to half his salary. However, the flip side of the coin isn’t so pretty. If your spouse takes out a $100,000 business loan and then his business venture folds, you may be on the hook for half the loan amount. Ouch!

The community property states are: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin. (Couples in Alaska have the choice to follow the rules of a community property state as well). Regardless of where you live, you should always be aware of your spouse’s spending habits and general financial situation, but this is even more critical if you live in a community property state.

Equitable Distribution States

If you do not live in a community property state, then by default you live in an equitable distribution state. The laws vary from state-to-state, but generally speaking, this means that each spouse’s income and debts are their own in many cases. If your husband buys his dream muscle car and then can’t make the payments, his creditors can’t go after you. This is important to know, because some sleazy collection agencies may try to convince you that you are responsible for paying off his debt. You aren’t!

There are some exceptions to this general rule. If one spouse incurs debt on things that benefit both spouses (or the family), then the other spouse may be held liable for half the debt. This could include things like food, childcare costs, college costs, etc. Also, if you co-sign a mortgage or loan, you are accepting responsibility for that debt.

How to Extricate Yourself from Your Spouse’s Debt

Regardless of where you live, it is a smart idea to make an appointment with a financial advisor or family law attorney so that you can understand the specific laws in your state regarding debt in marriage. If you live in a community property state and are not too keen on being held responsible for your spouse’s spending frenzies, you can shield yourself with a well-written pre-nuptial or post-nuptial agreement.

Have more questions about paying off debt? Check out some great articles on investing and saving.

13 thoughts on “In Sickness, Health…and Debt? Are You Responsible for Your Spouse’s Debts?”

  1. I am disabled and receive disability benefits. My husband pays the mortgage, utilities, water, cable, and cell. He gives me $60 a week for food. I receive $760a month and I pay for everything else I need or want. I pay for all my meds, med bills, copays deductibles gas, clothes, toiletries, hair care, dental services, vision services, entertainment! Needless to say after being married for 25 years to someone who resents and financially isolates me because I’m disabled and can’t earn $$ like the corporate skirt he’d hoped I’d be, I think I should look into divorce!!! What does this look like for me and him financially?

    1. You likely will receive alimony — how much and for how long depends on the laws of your state, so you’ll need to ask someone who knows the laws of your state. Go to and click on “Find a Divorce Workshop Near Me.” You can attend on-line or in-person, depending on your preference. There you’ll be able to connect with divorce professionals and ask your questions and get the guidance you need.

  2. My husband recently took out mortgage for his home which had been on land contract before. I was against it given his age as well as the home itself being older and in need of so much work. I refused to sign or co sign for mortgage. If he passes away am i to become responsible for mortgage?

  3. Pingback: How Is Debt Divided in Divorce? | The Next Chapter

  4. Ex husband took both vehicle. He defaulted on truck loan. I’m cosigner. Year later he’s remarried. Can I put liens on any property he’s accumulating now for the $9800 default? Or take him to court for it? My credit score now sucks and I can’t get a car loan now without hi down payment and or cosigner.

  5. My husband has loans for both of our cars in his name. This happened during our marriage. I am a saver and he the spender. He wants me to cash out my 401K to pay off both cars so we can divorce with little to no debt. He has no cash/savings for himself. I would essentially be paying his car off for him ($10K). Everything has been amicable until now, as we are divorcing without an attorney. We live in Texas.

    1. Talk to an attorney to see if that makes sense, given Texas law. It may be okay if the funds in your 401(k) are community and the loan is community during the marriage, but there may be some wrinkle in the law that goes against this. I do know that you’ll have taxes to pay, so you will likely end up owing taxes to the government next Spring.

  6. Asking for a friend whose husband was recently arrested and suspended from his nursing job. She is worried about paying bills. I’m not sure how many bills are in both of their names, but she knows her income as an LCSW (agency funded by a NFP) will not be sufficient.

    In this circumstance, should she speak with a Family Law attorney or does she have leverage of any type?

    Thank you.

    1. I’m not sure what a family law attorney could do, since this is a financial problem she is having, not a legal one. If she’s wondering whether she needs to pay the bills in his name alone, that would be a question that an attorney might be able to answer.

  7. Saundra Bethea-Pegues

    When I married my spouse he was already retired. We are separated and I need to know if I am entitled to any money? There are no children involved

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