Q: Am I responsible for a credit card debt that is solely on my wife name ? Also can the merchant go after my name ?
A: No. If the owner of the credit card is your wife and you are not a co-owner, then you are not liable to the card issuer.
Phillip William Gunthert agrees with this answer
A: NO, you are not responsible for the debt and they cannot try to collect from you or harass you even. If they do, you can contact a consumer attorney and turn it around on them. Debts solely in one spouse's name like a credit card does not transfer to the other spouse. If the merchant or collections company pursues you, you may well have a lawsuit against them you can tell them.
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