Can I be held responsible for credit card debt that’s only in my spouse’s name?

In some cases, you may be responsible even if the credit card is not in your name. If the charges made on that card supported shared living expenses, such as groceries, rent, or children’s needs, the court may consider it a marital debt, especially if it benefited both spouses. That said, if the debt was used solely for one spouse’s personal spending unrelated to the household, it may remain that spouse’s responsibility. A debt division attorney can evaluate the purpose of the debt and how the court might classify it under New York’s equitable distribution laws.