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Wife is cosigned on a credit card with her parents — real assets are also shared — what risk mitigation do I need to take?
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up vote
15
down vote
favorite
A few years ago I got a credit monitoring app and started watching my credit score (high 700's). It's been slowly climbing and giving me nice little alerts when I apply for new credit -- like when I bought a car or applied for a lowes card.
Today I set my wife up with the same app, her credit score was moderately lower than mine (low 700s). We went into the details to try and explain why and I found out that apparently she had cosigned with her parents on a credit cards that are maxed out, totaling to low five figures. I didn't pitch a fit at the time, just letting it go (the totaled debt is majorly inconvenient, but not "We can't pay that off in our life time" money), but as I drove into work I realized that, like roaches, a few maxed credit cards that I can see usually means there are more issues at hand. I knew my in laws were not financially sound, but didn't realize the magnitude. I'm not trying to get all judgie, the recession hit them hard, but it is what it is.
Unfortunately, in addition to those cards, my wife's car is also titled to both her and her parents, and more importantly, our bank account also has her mom's name on it*. Can those assets in whole or in part be seized in any unfortunate events?
Finally -- my credit score seems healthy with no mention of those cards, but my wife and I are married -- are there any active steps I need to take to prevent my credit from sinking?
TL;DR -- Wife is on the hook for credit card debt, car and bank account are shared with holders of bad credit, can those real assets be seized? Since we are married, what do I need to do to wall off my credit score from that issue.
*I lost the fight on whose bank to go with when we got married, and we just left the MIL on the account, the account is the account my wife has had since she was a preteen, so when they made it they put both her and her mom on it. My MIL doesn't have a debit card or checks, so she'd have to go to the bank personally to make a withdrawel
debt inheritance co-sign
asked 3 hours ago
anonibon
763
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add a comment |Â
up vote
15
down vote
favorite
A few years ago I got a credit monitoring app and started watching my credit score (high 700's). It's been slowly climbing and giving me nice little alerts when I apply for new credit -- like when I bought a car or applied for a lowes card.
Today I set my wife up with the same app, her credit score was moderately lower than mine (low 700s). We went into the details to try and explain why and I found out that apparently she had cosigned with her parents on a credit cards that are maxed out, totaling to low five figures. I didn't pitch a fit at the time, just letting it go (the totaled debt is majorly inconvenient, but not "We can't pay that off in our life time" money), but as I drove into work I realized that, like roaches, a few maxed credit cards that I can see usually means there are more issues at hand. I knew my in laws were not financially sound, but didn't realize the magnitude. I'm not trying to get all judgie, the recession hit them hard, but it is what it is.
Unfortunately, in addition to those cards, my wife's car is also titled to both her and her parents, and more importantly, our bank account also has her mom's name on it*. Can those assets in whole or in part be seized in any unfortunate events?
Finally -- my credit score seems healthy with no mention of those cards, but my wife and I are married -- are there any active steps I need to take to prevent my credit from sinking?
TL;DR -- Wife is on the hook for credit card debt, car and bank account are shared with holders of bad credit, can those real assets be seized? Since we are married, what do I need to do to wall off my credit score from that issue.
*I lost the fight on whose bank to go with when we got married, and we just left the MIL on the account, the account is the account my wife has had since she was a preteen, so when they made it they put both her and her mom on it. My MIL doesn't have a debit card or checks, so she'd have to go to the bank personally to make a withdrawel
debt inheritance co-sign
asked 3 hours ago
anonibon
763
New contributor
anonibon is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
7
So your MIL can spend your money at will? That's wild. Are you in the US or another country?
– Hart CO
3 hours ago
2
I would not worry about your credit score currently. You have assets that are exposed. Most important things first. i.e. Fix the bank issue. Actually, thinking about it, time for some conflict resolution as a talk with your wife about family, finances are in order. Best of luck.
– paulj
3 hours ago
add a comment |Â
up vote
15
down vote
favorite
up vote
15
down vote
favorite
A few years ago I got a credit monitoring app and started watching my credit score (high 700's). It's been slowly climbing and giving me nice little alerts when I apply for new credit -- like when I bought a car or applied for a lowes card.
Today I set my wife up with the same app, her credit score was moderately lower than mine (low 700s). We went into the details to try and explain why and I found out that apparently she had cosigned with her parents on a credit cards that are maxed out, totaling to low five figures. I didn't pitch a fit at the time, just letting it go (the totaled debt is majorly inconvenient, but not "We can't pay that off in our life time" money), but as I drove into work I realized that, like roaches, a few maxed credit cards that I can see usually means there are more issues at hand. I knew my in laws were not financially sound, but didn't realize the magnitude. I'm not trying to get all judgie, the recession hit them hard, but it is what it is.
Unfortunately, in addition to those cards, my wife's car is also titled to both her and her parents, and more importantly, our bank account also has her mom's name on it*. Can those assets in whole or in part be seized in any unfortunate events?
Finally -- my credit score seems healthy with no mention of those cards, but my wife and I are married -- are there any active steps I need to take to prevent my credit from sinking?
TL;DR -- Wife is on the hook for credit card debt, car and bank account are shared with holders of bad credit, can those real assets be seized? Since we are married, what do I need to do to wall off my credit score from that issue.
*I lost the fight on whose bank to go with when we got married, and we just left the MIL on the account, the account is the account my wife has had since she was a preteen, so when they made it they put both her and her mom on it. My MIL doesn't have a debit card or checks, so she'd have to go to the bank personally to make a withdrawel
debt inheritance co-sign
asked 3 hours ago
anonibon
763
New contributor
anonibon is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
A few years ago I got a credit monitoring app and started watching my credit score (high 700's). It's been slowly climbing and giving me nice little alerts when I apply for new credit -- like when I bought a car or applied for a lowes card.
Today I set my wife up with the same app, her credit score was moderately lower than mine (low 700s). We went into the details to try and explain why and I found out that apparently she had cosigned with her parents on a credit cards that are maxed out, totaling to low five figures. I didn't pitch a fit at the time, just letting it go (the totaled debt is majorly inconvenient, but not "We can't pay that off in our life time" money), but as I drove into work I realized that, like roaches, a few maxed credit cards that I can see usually means there are more issues at hand. I knew my in laws were not financially sound, but didn't realize the magnitude. I'm not trying to get all judgie, the recession hit them hard, but it is what it is.
Unfortunately, in addition to those cards, my wife's car is also titled to both her and her parents, and more importantly, our bank account also has her mom's name on it*. Can those assets in whole or in part be seized in any unfortunate events?
Finally -- my credit score seems healthy with no mention of those cards, but my wife and I are married -- are there any active steps I need to take to prevent my credit from sinking?
TL;DR -- Wife is on the hook for credit card debt, car and bank account are shared with holders of bad credit, can those real assets be seized? Since we are married, what do I need to do to wall off my credit score from that issue.
*I lost the fight on whose bank to go with when we got married, and we just left the MIL on the account, the account is the account my wife has had since she was a preteen, so when they made it they put both her and her mom on it. My MIL doesn't have a debit card or checks, so she'd have to go to the bank personally to make a withdrawel
debt inheritance co-sign
debt inheritance co-sign
asked 3 hours ago
anonibon
763
New contributor
anonibon is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
asked 3 hours ago
anonibon
763
New contributor
anonibon is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
edited 1 hour ago
asked 3 hours ago
anonibon
763
New contributor
anonibon is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
asked 3 hours ago
anonibon
763
asked 3 hours ago
anonibon
763
763
New contributor
anonibon is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
New contributor
anonibon is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
anonibon is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
7
So your MIL can spend your money at will? That's wild. Are you in the US or another country?
– Hart CO
3 hours ago
2
I would not worry about your credit score currently. You have assets that are exposed. Most important things first. i.e. Fix the bank issue. Actually, thinking about it, time for some conflict resolution as a talk with your wife about family, finances are in order. Best of luck.
– paulj
3 hours ago
add a comment |Â
7
So your MIL can spend your money at will? That's wild. Are you in the US or another country?
– Hart CO
3 hours ago
2
I would not worry about your credit score currently. You have assets that are exposed. Most important things first. i.e. Fix the bank issue. Actually, thinking about it, time for some conflict resolution as a talk with your wife about family, finances are in order. Best of luck.
– paulj
3 hours ago
7
7
So your MIL can spend your money at will? That's wild. Are you in the US or another country?
– Hart CO
3 hours ago
So your MIL can spend your money at will? That's wild. Are you in the US or another country?
– Hart CO
3 hours ago
2
2
I would not worry about your credit score currently. You have assets that are exposed. Most important things first. i.e. Fix the bank issue. Actually, thinking about it, time for some conflict resolution as a talk with your wife about family, finances are in order. Best of luck.
– paulj
3 hours ago
I would not worry about your credit score currently. You have assets that are exposed. Most important things first. i.e. Fix the bank issue. Actually, thinking about it, time for some conflict resolution as a talk with your wife about family, finances are in order. Best of luck.
– paulj
3 hours ago
add a comment |Â
2 Answers
2
active
oldest
votes
up vote
6
down vote
Can those assets in whole or in part be seized in any unfortunate
events?
If the vehicle is used by your wife primarily, then it is likely not at risk. The bank account is, the extent to which you are exposed depends on the state. In some states joint assets are considered equally owned while in others the ownership would be assessed based on contribution (in the context of bankruptcy). The greater risk is that they have access to your account, maybe they'd never use your funds, but who wants to find out?
Finally -- my credit score seems healthy with no mention of those
cards, but my wife and I are married -- are there any active steps I
need to take to prevent my credit from sinking?
Your wife's credit score will not affect yours, but if you ever apply for a loan together her score can hurt you. As a co-signer, she is on the hook for any unpaid bills, that is much more likely to hurt you than her credit score.
answered 3 hours ago
Hart CO
21.3k15166
Thank you for the answer! I have to trust my in-laws wouldn't use our funds (and implying otherwise to my wife would be for more damaging to my relationship if they actually did, risk management and all that), but I'm kind of concerned about credit agencies attempting to collect on the bank account (and not being able to stop them) should the worst happen. Do you know what relevant search terms I'd use to determine the laws in my state?
– anonibon
1 hour ago
add a comment |Â
up vote
6
down vote
Is your name on your account at all? If yes, you go to the bank tomorrow morning, open an account in your name, and move all the money over. Then tell your company to change their payments to the new account. After that, you explain to your wife. This is madness. (I’d recommend the same to your wife if a member of your family was on that account).
If your mother in law gets into trouble and bailiffs want money, they will go straight to the bank account with your money. If she dies and leaves everything to charity, they will go straight to your account.
If your name isn’t on it, talk to your wife because then she needs to take action. If she refuses, take her favourite china and threaten to drop it on the floor. If she still refuses, you drop it. Seriously. This is bad beyond belief. Anyway, open your own account. Put your money where they can’t get it.
To the wife: This is bad beyond belief. This is just unbelievable. If you refused to act, I’d pack your suitcase and you can live with your mum.
edited 28 mins ago
Kat
91449
answered 1 hour ago
gnasher729
7,85911127
1
A thousand yesses - my bank transferred out 5k from my savings account for a debt my father owed them. I hadn't realized he was still on the account from when he opened it for me when I was born.
– dsolimano
1 hour ago
1
If it's your money, they might take it, but have to give it back when you prove it was yours. That's a major problem, but not the I'll leave my wife for it problem. This answer is completely overshooting.
– DonQuiKong
19 mins ago
add a comment |Â
2 Answers
2
active
oldest
votes
2 Answers
2
active
oldest
votes
active
oldest
votes
active
oldest
votes
up vote
6
down vote
Can those assets in whole or in part be seized in any unfortunate
events?
If the vehicle is used by your wife primarily, then it is likely not at risk. The bank account is, the extent to which you are exposed depends on the state. In some states joint assets are considered equally owned while in others the ownership would be assessed based on contribution (in the context of bankruptcy). The greater risk is that they have access to your account, maybe they'd never use your funds, but who wants to find out?
Finally -- my credit score seems healthy with no mention of those
cards, but my wife and I are married -- are there any active steps I
need to take to prevent my credit from sinking?
Your wife's credit score will not affect yours, but if you ever apply for a loan together her score can hurt you. As a co-signer, she is on the hook for any unpaid bills, that is much more likely to hurt you than her credit score.
answered 3 hours ago
Hart CO
21.3k15166
Thank you for the answer! I have to trust my in-laws wouldn't use our funds (and implying otherwise to my wife would be for more damaging to my relationship if they actually did, risk management and all that), but I'm kind of concerned about credit agencies attempting to collect on the bank account (and not being able to stop them) should the worst happen. Do you know what relevant search terms I'd use to determine the laws in my state?
– anonibon
1 hour ago
add a comment |Â
up vote
6
down vote
Can those assets in whole or in part be seized in any unfortunate
events?
If the vehicle is used by your wife primarily, then it is likely not at risk. The bank account is, the extent to which you are exposed depends on the state. In some states joint assets are considered equally owned while in others the ownership would be assessed based on contribution (in the context of bankruptcy). The greater risk is that they have access to your account, maybe they'd never use your funds, but who wants to find out?
Finally -- my credit score seems healthy with no mention of those
cards, but my wife and I are married -- are there any active steps I
need to take to prevent my credit from sinking?
Your wife's credit score will not affect yours, but if you ever apply for a loan together her score can hurt you. As a co-signer, she is on the hook for any unpaid bills, that is much more likely to hurt you than her credit score.
answered 3 hours ago
Hart CO
21.3k15166
Thank you for the answer! I have to trust my in-laws wouldn't use our funds (and implying otherwise to my wife would be for more damaging to my relationship if they actually did, risk management and all that), but I'm kind of concerned about credit agencies attempting to collect on the bank account (and not being able to stop them) should the worst happen. Do you know what relevant search terms I'd use to determine the laws in my state?
– anonibon
1 hour ago
add a comment |Â
up vote
6
down vote
up vote
6
down vote
Can those assets in whole or in part be seized in any unfortunate
events?
If the vehicle is used by your wife primarily, then it is likely not at risk. The bank account is, the extent to which you are exposed depends on the state. In some states joint assets are considered equally owned while in others the ownership would be assessed based on contribution (in the context of bankruptcy). The greater risk is that they have access to your account, maybe they'd never use your funds, but who wants to find out?
Finally -- my credit score seems healthy with no mention of those
cards, but my wife and I are married -- are there any active steps I
need to take to prevent my credit from sinking?
Your wife's credit score will not affect yours, but if you ever apply for a loan together her score can hurt you. As a co-signer, she is on the hook for any unpaid bills, that is much more likely to hurt you than her credit score.
answered 3 hours ago
Hart CO
21.3k15166
Can those assets in whole or in part be seized in any unfortunate
events?
If the vehicle is used by your wife primarily, then it is likely not at risk. The bank account is, the extent to which you are exposed depends on the state. In some states joint assets are considered equally owned while in others the ownership would be assessed based on contribution (in the context of bankruptcy). The greater risk is that they have access to your account, maybe they'd never use your funds, but who wants to find out?
Finally -- my credit score seems healthy with no mention of those
cards, but my wife and I are married -- are there any active steps I
need to take to prevent my credit from sinking?
Your wife's credit score will not affect yours, but if you ever apply for a loan together her score can hurt you. As a co-signer, she is on the hook for any unpaid bills, that is much more likely to hurt you than her credit score.
answered 3 hours ago
Hart CO
21.3k15166
answered 3 hours ago
Hart CO
21.3k15166
answered 3 hours ago
Hart CO
21.3k15166
answered 3 hours ago
Hart CO
21.3k15166
21.3k15166
Thank you for the answer! I have to trust my in-laws wouldn't use our funds (and implying otherwise to my wife would be for more damaging to my relationship if they actually did, risk management and all that), but I'm kind of concerned about credit agencies attempting to collect on the bank account (and not being able to stop them) should the worst happen. Do you know what relevant search terms I'd use to determine the laws in my state?
– anonibon
1 hour ago
add a comment |Â
Thank you for the answer! I have to trust my in-laws wouldn't use our funds (and implying otherwise to my wife would be for more damaging to my relationship if they actually did, risk management and all that), but I'm kind of concerned about credit agencies attempting to collect on the bank account (and not being able to stop them) should the worst happen. Do you know what relevant search terms I'd use to determine the laws in my state?
– anonibon
1 hour ago
Thank you for the answer! I have to trust my in-laws wouldn't use our funds (and implying otherwise to my wife would be for more damaging to my relationship if they actually did, risk management and all that), but I'm kind of concerned about credit agencies attempting to collect on the bank account (and not being able to stop them) should the worst happen. Do you know what relevant search terms I'd use to determine the laws in my state?
– anonibon
1 hour ago
Thank you for the answer! I have to trust my in-laws wouldn't use our funds (and implying otherwise to my wife would be for more damaging to my relationship if they actually did, risk management and all that), but I'm kind of concerned about credit agencies attempting to collect on the bank account (and not being able to stop them) should the worst happen. Do you know what relevant search terms I'd use to determine the laws in my state?
– anonibon
1 hour ago
add a comment |Â
up vote
6
down vote
Is your name on your account at all? If yes, you go to the bank tomorrow morning, open an account in your name, and move all the money over. Then tell your company to change their payments to the new account. After that, you explain to your wife. This is madness. (I’d recommend the same to your wife if a member of your family was on that account).
If your mother in law gets into trouble and bailiffs want money, they will go straight to the bank account with your money. If she dies and leaves everything to charity, they will go straight to your account.
If your name isn’t on it, talk to your wife because then she needs to take action. If she refuses, take her favourite china and threaten to drop it on the floor. If she still refuses, you drop it. Seriously. This is bad beyond belief. Anyway, open your own account. Put your money where they can’t get it.
To the wife: This is bad beyond belief. This is just unbelievable. If you refused to act, I’d pack your suitcase and you can live with your mum.
edited 28 mins ago
Kat
91449
answered 1 hour ago
gnasher729
7,85911127
1
A thousand yesses - my bank transferred out 5k from my savings account for a debt my father owed them. I hadn't realized he was still on the account from when he opened it for me when I was born.
– dsolimano
1 hour ago
1
If it's your money, they might take it, but have to give it back when you prove it was yours. That's a major problem, but not the I'll leave my wife for it problem. This answer is completely overshooting.
– DonQuiKong
19 mins ago
add a comment |Â
up vote
6
down vote
Is your name on your account at all? If yes, you go to the bank tomorrow morning, open an account in your name, and move all the money over. Then tell your company to change their payments to the new account. After that, you explain to your wife. This is madness. (I’d recommend the same to your wife if a member of your family was on that account).
If your mother in law gets into trouble and bailiffs want money, they will go straight to the bank account with your money. If she dies and leaves everything to charity, they will go straight to your account.
If your name isn’t on it, talk to your wife because then she needs to take action. If she refuses, take her favourite china and threaten to drop it on the floor. If she still refuses, you drop it. Seriously. This is bad beyond belief. Anyway, open your own account. Put your money where they can’t get it.
To the wife: This is bad beyond belief. This is just unbelievable. If you refused to act, I’d pack your suitcase and you can live with your mum.
edited 28 mins ago
Kat
91449
answered 1 hour ago
gnasher729
7,85911127
1
A thousand yesses - my bank transferred out 5k from my savings account for a debt my father owed them. I hadn't realized he was still on the account from when he opened it for me when I was born.
– dsolimano
1 hour ago
1
If it's your money, they might take it, but have to give it back when you prove it was yours. That's a major problem, but not the I'll leave my wife for it problem. This answer is completely overshooting.
– DonQuiKong
19 mins ago
add a comment |Â
up vote
6
down vote
up vote
6
down vote
Is your name on your account at all? If yes, you go to the bank tomorrow morning, open an account in your name, and move all the money over. Then tell your company to change their payments to the new account. After that, you explain to your wife. This is madness. (I’d recommend the same to your wife if a member of your family was on that account).
If your mother in law gets into trouble and bailiffs want money, they will go straight to the bank account with your money. If she dies and leaves everything to charity, they will go straight to your account.
If your name isn’t on it, talk to your wife because then she needs to take action. If she refuses, take her favourite china and threaten to drop it on the floor. If she still refuses, you drop it. Seriously. This is bad beyond belief. Anyway, open your own account. Put your money where they can’t get it.
To the wife: This is bad beyond belief. This is just unbelievable. If you refused to act, I’d pack your suitcase and you can live with your mum.
edited 28 mins ago
Kat
91449
answered 1 hour ago
gnasher729
7,85911127
Is your name on your account at all? If yes, you go to the bank tomorrow morning, open an account in your name, and move all the money over. Then tell your company to change their payments to the new account. After that, you explain to your wife. This is madness. (I’d recommend the same to your wife if a member of your family was on that account).
If your mother in law gets into trouble and bailiffs want money, they will go straight to the bank account with your money. If she dies and leaves everything to charity, they will go straight to your account.
If your name isn’t on it, talk to your wife because then she needs to take action. If she refuses, take her favourite china and threaten to drop it on the floor. If she still refuses, you drop it. Seriously. This is bad beyond belief. Anyway, open your own account. Put your money where they can’t get it.
To the wife: This is bad beyond belief. This is just unbelievable. If you refused to act, I’d pack your suitcase and you can live with your mum.
edited 28 mins ago
Kat
91449
answered 1 hour ago
gnasher729
7,85911127
edited 28 mins ago
Kat
91449
edited 28 mins ago
Kat
91449
edited 28 mins ago
Kat
91449
91449
answered 1 hour ago
gnasher729
7,85911127
answered 1 hour ago
gnasher729
7,85911127
answered 1 hour ago
gnasher729
7,85911127
7,85911127
1
A thousand yesses - my bank transferred out 5k from my savings account for a debt my father owed them. I hadn't realized he was still on the account from when he opened it for me when I was born.
– dsolimano
1 hour ago
1
If it's your money, they might take it, but have to give it back when you prove it was yours. That's a major problem, but not the I'll leave my wife for it problem. This answer is completely overshooting.
– DonQuiKong
19 mins ago
add a comment |Â
1
A thousand yesses - my bank transferred out 5k from my savings account for a debt my father owed them. I hadn't realized he was still on the account from when he opened it for me when I was born.
– dsolimano
1 hour ago
1
If it's your money, they might take it, but have to give it back when you prove it was yours. That's a major problem, but not the I'll leave my wife for it problem. This answer is completely overshooting.
– DonQuiKong
19 mins ago
1
1
A thousand yesses - my bank transferred out 5k from my savings account for a debt my father owed them. I hadn't realized he was still on the account from when he opened it for me when I was born.
– dsolimano
1 hour ago
A thousand yesses - my bank transferred out 5k from my savings account for a debt my father owed them. I hadn't realized he was still on the account from when he opened it for me when I was born.
– dsolimano
1 hour ago
1
1
If it's your money, they might take it, but have to give it back when you prove it was yours. That's a major problem, but not the I'll leave my wife for it problem. This answer is completely overshooting.
– DonQuiKong
19 mins ago
If it's your money, they might take it, but have to give it back when you prove it was yours. That's a major problem, but not the I'll leave my wife for it problem. This answer is completely overshooting.
– DonQuiKong
19 mins ago
add a comment |Â
anonibon is a new contributor. Be nice, and check out our Code of Conduct.
anonibon is a new contributor. Be nice, and check out our Code of Conduct.
anonibon is a new contributor. Be nice, and check out our Code of Conduct.
anonibon is a new contributor. Be nice, and check out our Code of Conduct.
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7
So your MIL can spend your money at will? That's wild. Are you in the US or another country?
– Hart CO
3 hours ago
2
I would not worry about your credit score currently. You have assets that are exposed. Most important things first. i.e. Fix the bank issue. Actually, thinking about it, time for some conflict resolution as a talk with your wife about family, finances are in order. Best of luck.
– paulj
3 hours ago