if i get married will my loans affect my husband???
816360
No, they will not affect him. However if you and your husband consolidate your loans together ( they take all the loans the two of you have, and create one loan) then they will be. Once you consolidate them together, you can't separate them again.
615662
If you have poor credit, you have no business looking for a loan for a wedding.  Have a wedding but do it within your means.  Or postpone your wedding until you can afford it.\n\nYou have got to learn you cannot have immediate gratification and you need to be able to pay for things in advance.\n\nStarting out a marriage in debt is asking for trouble.
933636
You should probably contact the Child Support Agency for further information if your husband has agreed maintenance payments with them.  FSee below for the link.
1025506
Do not stress because if your properties go to your husband they are spouse exempt for inheritance tax. So no tax to pay.\nAlso any gains on them for captial gains tax are also wiped out on your death.\n\nPlease get a will do not leave this the administration of estates act 1925.\n\nYou may worth getting advice about how to efficiently tax plan on your husbands if he dies first, spending money now will give you the peace of mind that if something should happen to you or your husband there would be the bare minimum liability to tax.\n\nYour husband may have to pay income tax on any rental income received so be wise this aspect aswell.
344066
the total income of the household is revieewed and you could loose it if your spouse has a good income.  Uncle is careful not to give too much or you might be able to get a life.  Unless you want children marriage is only a piece of paper. Check things out before you make a mistake.
882522
Actually, it could effect it - it depends upon the type of loan and whether or not it's past due.  For example,  if a spouse is delinquent in paying child support and the the attorney general has filed some sort of paperwork with the IRS to withhold the tax refund.  Also, past due school loans could garnish the refund.  In these type of cases, the other spouse may be able to file an "injured spouse claim" to claim a refund for their part of income and tax, if applicable.  \n\nIf there are just regular loans, other than mortgage, this will have no bearing on filing.
71040
Once you're married you will share your credit rating as a couple so my best thought is for you to handle the finance/payments - and keep doing whatever you've been doing to maintain a good rating for the two of you.
984535
If you take a loan against anything it will affect your credit and credit score.
666624
Yes, it is necessary. Now that are married you are responsible for each others bills. If something horrible were to happen like an accident and he couldn't work or gosh forbid he should pass, you are looking at a lot of creditors wanting what your husband owes them to be paid. Also, you might be able to consolidate and save, for example, car insurance. There is usually a discount to have you both on one plan versus two seperate policies.
512681
Well, in one way I don't blame you but in another way, I disagree.\n\nI was married to my 1st. hubby, we were planning to get divorced, we paid off all the debt prior, well except the mortgage which I would get since I was keeping the house. So we both walked away without major debt and a good credit rating.\n\nWell due to a few issues I had no control over, my credit became badly bruised. My issues were the fact that my 1st. husband died of cancer, there were children involved, which meant loss of child support. My 2nd. husband could not keep a job due to his mental & substance abuse issues, I was unaware of his issues until after marriage & baby. He was good at hiding stuff. My 2nd. husband had horrible credit, another thing I was unaware of until after marriage. He owed thousands and thousands in back child support & back taxes and he took bill money from the bank account whenever we faught, he was really immature. We (I) was forced to file bankruptcy chap. 13 to rearrange my debt then at a later date had no choice but to convert to a chap. 7 and simply eliminate the debt. I was supporting a family of 5 on my own with a hugh bankruptcy payment each & every single month.\n\nMy 2nd. husband is now also deceased, he comitted suicide and left me to figure it out on my own. \n\nSo now, I have a bankruptcy on my credit but I have great monthly income, I make more than many well educated people do & my income is solid.\n\nSo that is where I can agree with you. Had I been more careful about my choice in 2nd. husband, I am sure things would have been much different financially.\n\nBut now I am involved with a wonderful man that has awesome credit and a strong steady work history, almost 29 years with the same employer. I was up front about my financial situation when we started to really get serious and make bigger plans in life. Thankfully my man does not hold my past issues against me and he is in deed willing to build a life with me which will soon include marriage and the purchase of our first home together. But, I will tell ya, I did insist on seeing my new mans' credit report once we were getting serious. I will never allow myself to put in another financial situation like I was in before!! He was actually perfectly fine with it too.
369619
You can refinance your student loans but only to get a better interest rate and or consolidate multiple loans into one loan. There is no equity so you can not pull money out. However if you are still in school, and are receiving loans, usually all of your loans are in deferment until six months after graduation, unless otherwise stated by your schools financial officer. If you have finished a degree, you can go back and enroll and complete 6 units or halftime and all of the loans that are defer-able will go back into deferment. Double check with your loan company. Also if you are married don't consolidate or refinance with your spouses loans, because if anything bad should happen(God-Forbid It) but divorce, or even death you will still be responsible for your spouses loans.  Hope this helps....If I can help you with more info just let me know. Take care
548294
Talk to the bank that did the loan. Maybe they can add your spouse on the paperwork. Hope this helps.
761349
Usually when you get married you put the 2 incomes together.  But dont forget about your other expenses also, food, utilities, any credit cards, food, and all the little extras.  Being newly married is tough enough without financial problems...don't get in to deep to quick!  Good Luck!
1008843
YES!  Get a lawyer, and probably a prenupt.\n\nIn most states, only the parents income is considered for child support, not that of a new spouse.  \n\nHowever, you could very well end up with some of his debts and his financial issues coming on you, and you may want to protect your house from his ex.\n\nConsult a lawyer, and go from there.\nGood luck!
862783
Yes, if you open any joint accounts. Until he can build his credit, use your credit however he can directly participate by giving him limited power to help bring up your husband's credit report. Then once that is established, please just understand why he had bad credit to begin with before you consider any joint accounts. This does not mean you love him any less.\nAny major purchases like a car, house etc. should only be in your name and they cannot be touched by his credit rating whether you are married or not!
523156
I am getting married in September and my fiance asked me if I would sign a pre-nup.  I research the law and it's a no-fault and it's not community either (like CA) so basically it's sad.  I would see if you can get your lawyer to have your husband pay for your education.  So you can go back to school and get a degree and pick up the pieces.
173795
You are actually asking two questions, one related to your credit report and it's effect on your husband, and your liability on your old debts.\n\nThey will still be able to come after you and garnish your wages (NOT your husbands).  So if you have a job you are still in hot water.\n\nIf there is any property in your name only they can go after that.  Property jointly owned or pruchased after you marry can't be touched.  So if you have a car currently in your name, or a home, it can have a lien placed on it.\n\nWhen the collectors find out your new address, they will continue to hound you.  That's easy to solve....read the links I've supplied below and send them a "Cease and Desist" order not to contact you again.\n\nNow the good news.\n\nYour new husband does not inherrit your credit "baggage" once you are married.  Each of you have your own credit history, and unless you make joint purchases it will not effect him at all.\n\nYour husband's good credit can actually help you rebuild your own credit.  He can co-sign on some credit for you, and by making prompt payments you can re-establish yourself. \n\nI'm speaking from first hand experience here.....\n\nWhen my wife got divorced, her ex was supposed to pay a portion of the debts.  He didn't, so the collectors starting calling her up.  They started threatening her, even saying they was going to jail if she didn't pay.  She was so afraid she fled from Florida and came to Michigan, where her family lived.\n\nThen we got married....and the creditors got here new address.  I came home from work and found her crying and scared to death!  She got a collection notice in the mail!\n\nThen she got mad cause I was laughing!\n\nYou see.....what these guys didn't know was....I WAS ARMED!  I knew the law!  And now I was pissed!  In a very short time I had these guys off her case, no more calls or letters. \n\nIn a couple years her credit was spotless, she purchased her own car and had 2 credit cards.  \n\nYou need to just live off your husband's credit for a while.  You are in good shape, everything will work out fine.\n\nJust get ARMED!  Read the links below.