What to do if your spouse runs up debt in your name

What to do if your spouse runs up debt in your name

It can be shocking to learn that there are large debts in your name which you don’t know about, especially if they were accrued by your spouse.

In this guide, we’ll explain which debts you’re liable for and what options you have to seek informal and formal resolutions to help alleviate the debt. 

If you’re in immediate need of financial help, you might want to contact one of the organisations listed in our guide to debt management charities

When are you liable for a spouse’s debt?

It’s important to recognise the difference between debts that are held jointly between you and your spouse and ones which your spouse is solely responsible for. 

Separating these out will give you a clear idea of exactly how much debt you might be liable to pay and can help you identify which creditors have a legitimate claim against you.


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