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Will you be obligated to pay your fiancé’s debt after marriage? Atlanta, GA

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Will you be obligated to pay your fiancé’s debt after marriage?

young couple in the sitting room

When people decide to get married in Atlanta, it can be important for them to talk to their future spouses about finances before heading down the aisle. It has been said that going into a marriage with open eyes about each other’s financial priorities, goals and histories can help the relationship last.

What happens, however, if you find out that your fiancé has a complicated financial history? What if your fiancé is bringing a lot of debt into the marriage? What if he or she has filed bankruptcy in the past, or is planning to file bankruptcy soon?

The short answer is that your fiancé’s debts and financial past will not directly impact your own liabilities or credit.

When two people marry, the debts that they bring with them remain separate. Their credit scores also remain separate.

Debts that are incurred during marriage, however, may be the responsibility of both spouses. State laws vary somewhat when it comes to marital debt, but couples are typically jointly liable for car loans and mortgages.

If your fiancé is going to file bankruptcy in the near future, it might be wise to talk to a bankruptcy attorney. It is possible for one spouse to file bankruptcy without the other, but in some cases it might be wise to complete the bankruptcy before the wedding in order to keep things as simple as possible.

Talking about money and debt before marriage can be uncomfortable. However, when couples have these conversations they can make plans to tackle debt, contribute to the household and save for long-term goals. If it turns out that one or both people are struggling with unmanageable debt, it might be wise to speak with an attorney.

Source: Fox Business, “Will Fiance’s Old Bankruptcy Hurt my Credit?” Justin Harelik, Oct. 16, 2013

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

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    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

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    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

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    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

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    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

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