Can My Wife's Medical Collection Appear On My Credit?

Could a debt collector report to the credit bureau a medical bill in my wife's name as a joint account?

Comments for Can My Wife's Medical Collection Appear On My Credit?

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Dec 14, 2011
by: Jamie

If it is a joint account, that means that both you and your wife are listed on this particular debt. Meaning if one fails to pay, the other is held responsible. Its kind of like co-signing on a loan. If the primary borrower doesn't pay, they will call the person that co-signed. Does that make sense?

Apr 11, 2011
Spouse's individual debts and credit report

Generally, individual debts cannot be reported on a spouse's credit report. However, you don't indicate which state you live in.

If you live in a community property state then individual debts incurred during your marriage are considered community property, and it may be possible for the debt collector to go after you for the debt. (In that case, it may appear on your credit reports. We are not able to give you legal advice, this is just to warn you of possible scenarios.)

Additionally, some states have laws that hold individuals responsible for their spouse's essential medical debts.

Your best bet it so talk with a consumer law attorney to find out whether the collector acted legally. If it did not, you may have recourse under the federal Fair Credit Reporting Act and/or Fair Debt Collection Practices Act, as well as state laws.

We suggest you either find a local consumer law attorney with experience in debt collection and credit damage cases, or call the Collection Complaint Hotline at 888-711-5183 for a free, confidential case evaluation. There is no fee unless you recover.

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