A person is not responsible for someone else’s debt unless they have done the following:
If the spouse or common-law partner does have a supplemental credit card, then we commonly use this questionnaire to determine if an additional cardholder is responsible for the debt:
The more you answer, “Yes,” the more likely you are to be responsible for the debt. It is important to note that there are no hard and fast rules; some creditors will pursue supplemental credit card holders while other creditors will not. In many cases, the outcome of the questionnaire is just as important as knowing who the creditor is.