Categorized | Debt Help and Assistance

Can a collection agency put your debt on your spouse?

Posted on 15 January 2010 by Debt Helper

In a community property state such as Texas, if you were already married then yes the collection agency can put your debt on your spouse’ credit report. As long as you remain married it will be considered a joint debt. First, send a letter back to the collection agency asking them to validate the debt, being that old and on a second agency, they may have no proof you even owe the debt. You can search for a letter online using keywords "debt validation letter", be sure to send this letter within 30 days and certified mail so you have a receipt. If you get any proof back from the agency, try to settle with the agency, the debt is over 4 years old, I wouldn’t offer any more than 25 cents on the dollar and pay it off to be done with it. If you do not receive any response after 45 days from the date signed by the company when it was received, they have to remove it from your credit reports because they had no proof of debt owed. Good Luck

 

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