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Why would you want to marry someone with such a stunning lack of ambition? "Stay home and have a kid?" Without a job, how can she pay off her debts?
"Stay home and have a kid." good god.
The LAST thing you do is maker this person pregnant.
I have a good income, no debt, and excellent credit. She has bad credit, credit card and a student loan from an attempt at college. We're never using her credit ever again. Would anything bad happen if we just ignored her debt(mostly student loans) if all the assets were in my name and the liabilities were in her name only?
She's planning on just staying home and having a kid so she wouldn't have any source of income that could be garnished or intercepted and we have agreed that I would be responsible for the finances since I have a history of financial and career responsibility.
I wouldn't have anything to do with this woman. She's irresponsible and that is going to come back to bite you someday.
I believe in taking care of my debts which I do in full every month. However if they're not my technically my debts than I don't see how I would have a obligation to pay and from my research the individual debts from before the marriage would not combine.
We have been together since high school and I fully agree with what you said. We have discussed this alot recently and she has been able to stick to a budget. We have agreed that I would just add her as an authorized user to one of my cards with a limit that would allow for household expenses and a reasonable amount for shopping.
My thing right now is if she has no official income is there anyway it would affect us as a family.
I guess technically the debt is not yours but as a practical matter of matrimony it will become yours as well. You might as well have a plan to help your future wife pay it off and then both of you can be free of debt and on the right path to mutual happiness.
You do realize that people don't change after they are married? You are signing up for a marriage of financial mismanagement and stress. She should get her act together and take responsibility (essentially grow up) before getting married.
This is very true. Never rationalize your way into marriage. If you find yourself saying "(S)he seems irresponsible with money BUT (S)he has so many other fine traits..." Once you hear yourself say that you want to make a 180 and re-think the whole situation. I know this all too well because I've done it far too many times. Don't talk yourself into anything.
As for paying the debts, I agree with the majority of the responses. Take the responsibility and pay off these debts. Your fellow citizens didn't rack up these debts so you have no right to dump them off on other people. There's far too much of that going on already in society. You sound like a responsible person so don't ruin your good name by being irresponsible. Marriage is a contract and you are going into a partnership with this woman. Partnerships have a high degree of risk so you want to make sure your partner's behaviour doesn't put you in a bad way. Not paying these debts will reflect on you poorly so don't ruin your good name.
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