離婚時(shí)，信用卡債務(wù)誰負(fù)責(zé)?

離婚時(shí)，信用卡債務(wù)誰負(fù)責(zé)?

You are contractually responsible for any debt that isin your name, even if someone else acquired it orcontributed to it, such as by being an authorizeduser on your credit card. If you don't pay the debt, the creditor can sue you and even try to collect onyour share of jointly owned assets.

你需要對個人名義下的任何債務(wù)負(fù)合同責(zé)任，即使是其他人欠下的債務(wù)(比如他/她是你所持信用卡的授權(quán)用戶。)如果你沒有還款，債權(quán)人有權(quán)對你進(jìn)行起訴，甚至?xí)O(shè)法收走你的共同擁有資產(chǎn)份額。

But the way the courts handle debt during a divorce depends on where you file. In commonlaw states, which account for most of the country, courts will likely hold you responsible forcredit card debt in your name and jointly liable for credit card debt in both names.

但在離婚過程中，法院對債務(wù)的處理方式取決于你提出離婚申請的地方。在施行普通法的州(美國的大部分州都施行普通法)，法院可能會讓你承擔(dān)你名下的信用卡債務(wù)，同時(shí)對雙方名下的信用卡債務(wù)負(fù)連帶責(zé)任。

Nine states are community property states: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. In a community property state, any debtyour or your former spouse "acquired after the date of marriage and before the date ofseparation is community property," says Kelly Chang Rickert, a Los Angeles-area divorcelawyer. So, both spouses are equally liable. However, debts in your name incurred prior tomarriage or after separation or divorce are not considered community debts.

有9個州是共同財(cái)產(chǎn)州，包括：亞利桑那州、加利福尼亞州、愛達(dá)荷州、路易斯安那州、內(nèi)華達(dá)州、新墨西哥州、德克薩斯州、華盛頓和威斯康星州。在共同財(cái)產(chǎn)州，你或者前夫/前妻"在結(jié)婚后、離婚前欠下的"債務(wù)都屬于"共同財(cái)產(chǎn)，"洛杉磯地區(qū)的離婚律師Kelly Chang Rickert說道。所以，夫妻雙方承擔(dān)同等責(zé)任。然而，結(jié)婚前或分居/離婚后個人欠下的債務(wù)不被視作共同債務(wù)。

No matter where you live, division of debts may be less than straightforward. In bothcommunity property and common law states, even when you are not contractually liable foryour former spouse's credit card debt, a judge may order you to pay a portion of it, particularly if the debt was incurred for items necessary for the household.

無論你在哪生活，債務(wù)的劃分都沒有這般簡單。在施行共同財(cái)產(chǎn)和普通法的州，即使在你無需對前夫/前妻的信用卡債務(wù)負(fù)合同責(zé)任的情況下，法官也可以命令你還清一部分債務(wù)，尤其是用于購買家庭所需品而產(chǎn)生的債務(wù)。

The circumstances of every divorce are different, of course. Other factors that the judge is likelyto consider include the length of separation and any agreement the divorcing spouses havecome to about specific debts. A judge may distribute responsibility for the debts in a way thatis different from your contractual obligations to pay, but the judge's order does not change yourcontracts with your creditors.

當(dāng)然，具體情況視離婚狀況而定。法官可能考慮的其它因素包括：分居時(shí)間的長短、離婚夫妻雙方就特定債務(wù)達(dá)成的協(xié)議。法官分配債務(wù)責(zé)任的方式可能與你合同義務(wù)所規(guī)定的方式不同，但法官的命令并不會改變你與債權(quán)人簽訂的合同。