Many people worry that a partner’s debts will become theirs, especially after marriage. In most cases, debts stay with the person who took them out.
The short answer
- You’re not liable for debts in your partner’s sole name, even if you’re married.
- You are liable for joint debts, for the full amount.
- You’re liable for debts you’ve guaranteed.
- Couples living together are usually jointly liable for council tax.
- Creditors shouldn’t pressure you to pay a debt that isn’t yours.
When could I have to pay?
- Joint accounts: joint loans, overdrafts and mortgages make each of you liable for the whole debt.
- Guarantees: if you signed as guarantor, you can be asked to pay.
- Council tax: partners living together are usually jointly and severally liable.
- Utility bills: it depends whose name is on the account.
Can bailiffs take my belongings for my partner's debt?
Bailiffs can only take goods belonging to the person who owes the debt. If they try to take your goods, you can prove ownership. See what can bailiffs take?
Will my partner's debts affect my credit file?
Only if you have a joint account or another financial link recorded between you. You can ask credit reference agencies to remove an outdated association, for example after separating.
If your partner is thinking about an IVA, see how a partner’s income affects an IVA and joint debts in an IVA.
Common questions
Am I liable for my husband's or wife's credit card?
Not if it’s in their sole name. You would only be liable as a joint account holder or guarantor.
Do I inherit my partner's debt if they die?
No. Debts are paid from their estate. You’re only liable for joint debts or ones you guaranteed. See what happens to debt when you die.
Can a debt collector contact me about my partner's debt?
They shouldn’t discuss someone else’s debt with you or pressure you to pay it.
Getting help
You don’t have to deal with debt on your own. Free, impartial advice is available from MoneyHelper, StepChange and National Debtline. If you want to talk through whether a formal solution such as an IVA could be suitable, you can also get in touch with us.