Timothy J. Sierra, Attorney at Law Trusted Florida Bankruptcy Attorney Since 1987
Call Today For A Free Initial Consultation

Marrying Into Debt Dos and Don'ts


If you are engaged, married or in a serious relationship that may lead to marriage it is beneficial to have a full understand of your partner's financial situation. Not everyone's financial past is a happy one, but in order to have a better and brighter future, you will need to have a discussion with your partner.


• Do share your financial pasts before the big day. Many people have different systems when it come to their finances. Knowing how your partner plans to use your soon-to-be joint money account will be helpful to know sooner rather than later when problems arise.

• Do work towards conquering a spouse's debt together. Overcoming debt allows you both to work as a team. The sooner you find a solution to your spouse's debt problem, the better and less stressful your marriage will be in the long-run.

• Do continue to apply for new credit cards after changing your last name. If you change your name to your spouse's last name and he or she has poor credit, you are still able to apply for a new credit card with your new last name. As long as you have healthy credit history prior to your name change, you will be able to receive your new credit card.

• Do be aware of community debt if you are in a community property state. Usually, community debt is defined as a debt that was incurred for something that benefited your marriage. However, community debt typically does not include debt that only benefits the spouse responsible for the purchase. Know beforehand if your state takes part in community debt. Community property states include: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin.


• Don't be ashamed of protecting your healthy credit if your spouse has had a rough financial past. It may not feel equal at first, but it is beneficial for both parties to have at least one solid credit history to rely on at the start.

• Don't forget that joint accounts, cosigning loans or authorizing your spouse as a user on your credit card will reflect his or her poor credit history onto yours.

•· Don't be surprised that you will now have to be responsible for payments if you have joint accounts and your spouse is unable to pay.

• Don't ignore a serious financial situation. If you aren't married yet sometimes it is best to wait until your soon-to-be partner finds a solution to his or her problem. By giving your partner a chance to clean up their credit score or pay the debt he or she owes, you both will be able to start your marriage on high note.


We at Timothy J. Sierra Attorney at Law would like to state that our blog posts and links, on our web page or any other social media outlet, to any other web pages are not intended for legal advice. We are not responsible for third party website information. If one is in need of legal advice please contact an attorney directly.

Source: TwoCents | Credit Score

  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
  • "I had to file a Chapter 7 bankruptcy. I didn't know anyone who could refer someone so I took a chance and just looked on the Internet. I don't remember exactly why I chose Mr. Sierra, but I am glad I did..."
  • He was honest, straightforward, and hard-working. In my case I ended up with some extenuating circumstances and he handled the matter professionally even though I'm sure the work probably exceeded what he originally felt it would be....
  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
More Testimonials
Email Us Today

Schedule A Free Initial Consultation To talk to an experienced Tampa bankruptcy attorney, call 877-492-7449 or fill out the form. All calls are returned within 24 hours.

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

We Have Offices in Tampa, Riverview and Brandon For Your Convenience.

Tampa Office
118 South Rome Avenue
Tampa, FL 33606

Toll Free: 877-492-7449
Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
Tampa Law Office Map

Riverview Office
6314 U.S. Highway 301 South
Riverview, FL 33578

Toll Free: 877-492-7449
Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
Map & Directions

Brandon Office
305 North Parsons Avenue
Brandon, FL 33510

Toll Free: 877-492-7449
Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
Map & Directions