No. of Recommendations: 2
California is a community property state. Under California law, any debt incurred by either spouse during marriage, *whether or not you are both on the account*, is considered joint debt and you are both liable for it. The creditors can and probably will attempt to collect from you.

It sounds to me like you are tempted to let her 'learn her lesson' the hard way. That won't work, given the laws of this great state. Does she work? If so, what is the proportion of your two incomes?

It sounds like the two of you really need to have a serious, serious talk about money and your common goals in the marriage. Tell her honestly how you feel - that your futures are not secure if you are in debt, that you are wasting enormous amounts of money in interest payments when you *could* be earning money in investments instead. Preparing some charts and graphs to show her might help, if she's the sort of person to respond well to objective information.

If this is too hard for the two of you to do, you might want to consider counseling. I know (believe me, I know) that it's a lot easier to let things slide, day by day, maybe passing a remark or two but not really grappling with the issues. But you two have to come to an understanding about this, or it will end in grief. I
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