Ex's debt haunting me

[exfromheck]

undefinedWhat is the name of your state?Mississippi

I am recently divorced, however, while we were married my husband added me onto an MBNA account he had. I never signed an application or talked to MBNA. I was not aware of the account until six or seven years after my name was put on account since we always maintained separate credit.

MBNA is harassing me for the balance since he has not paid them. They say I am liable, since in Mississippi, you can add a spouse to an account WITHOUT their knowledge or permission.

My question -- In Mississippi, am I liable for this debt since we were married at the time I was added,even though I was not aware of the account?

I've been told I can sue him for identity theft, but he has nothing, so that won't get me anything other than more legal bills.

[Ladynred]

If you signed no application then its most likely that you are only an authorized user. The way you describe it sounds like it couldn't be anything else. Authorized users are NOT liable for the debts, only the primary account holder - your Ex. MBNA however is notorious for claiming that AU's are 'joint account holders' and harrassing them for the debt. Pull your credit reports and find out just HOW this is being reported. If they are reporting it as 'joint' when you signed nothing, then they are reporting false information that you can dispute.

Tell them you want PROOF, in writing, make them show you ANYTHING with your signature on it that would make you JOINT account holder.

MI is NOT a community property state, being married does no make you liable for your spouse's debts.