Husbands debt - Oregon

What is the name of your state? Oregon

My husband is in prison (will be for 6 yrs) and I have been trying to deal with creditors.

In the beginning when I tried to talk to the bank card people they wouldn't talk to me because my name was not on the account, I did not have POA and all 3 of them told me that I was not liable in the Oregon for my husbands debts. I wanted to make arrangements for lessor payments.

Now the CC are calling and telling me that I am liable because we are still married and that is enough for them to come after me and get there money, all of it!

I offered to pay off the loans at 50% but thats when they get ugly and try to make me feel guilty and twist my words.

There is nothing in my husbands name. He "quit claim" the house so I could refinance to keep it and signed over the 14 yr old truck.

I would love to clear this all up but I am on a very tight budget with 2 kids still at home. I have been told that since my husband wont get out for 6 yrs (SOL in OR is 6 yrs) to just ignore them but I can't if I am liable.

Can anyone tell me if I am liable or not?

And can this mess up my credit? Everything that was in both our names was paid off when I refinanced. Couldn't afford anymore or I would of paid his off too.

[JETX]

"Now the CC are calling and telling me that I am liable because we are still married and that is enough for them to come after me and get there money, all of it!"
*** Oregon is not a community property state, so you are NOT liable for your spouses debts..... unless your name is on the application.

Simply, send each of these debtors a letter (certified RRR) asking them to provide proof of your liability. There is a really good sample letter detailing what you want to request available at [url]http://www.creditinfocenter.com/[/url]

"There is nothing in my husbands name. He "quit claim" the house so I could refinance to keep it and signed over the 14 yr old truck."
*** This could be a problem IF the creditors feel that these transfers were done to avoid the creitors (fraudulent transfer).

"I would love to clear this all up but I am on a very tight budget with 2 kids still at home. I have been told that since my husband wont get out for 6 yrs (SOL in OR is 6 yrs) to just ignore them but I can't if I am liable."
*** As noted above, you are NOT liable. One additional thought.... the creditors could file a lawsuit and, if they get a judgment, the SOL in OR for a judgment is 10 years from the judgment date.

"Can anyone tell me if I am liable or not?"
*** You're not.

"And can this mess up my credit?"
*** No.

aut disce aut discede: either learn or lay down?

THANK YOU!

[JETX]

Close. Actually, it translates to:
Either Learn, or leave (get out)

You're welcome.