Can I Get A Divorce If My Spouse Is Using Our Joint Credit Cards To Rack Up Debt In Utah?

When a marriage comes to an end, couples often face the daunting task of dealing with substantial debt. The situation can become even more challenging if one spouse takes advantage of the joint credit cards to accumulate debt, adding to the stress and tension during the separation process. Utah, being a no-fault divorce state, allows individuals to obtain a divorce without having to provide evidence of wrongdoing on the part of the other spouse. However, the division of property and debt can still be a contentious matter. In this article, we will delve into the necessary information you need to be aware of when seeking a divorce in Utah, particularly when your spouse is misusing joint credit cards and accumulating debt.

Understanding Utah Law Regarding Joint Credit Cards

In Utah, any debt accumulated during the course of a marriage is typically considered joint debt, irrespective of which spouse made the charges. This implies that even if only one spouse utilized the credit card to incur debt, both spouses share the responsibility of repayment.

It’s crucial to grasp the fact that if one spouse misuses the joint credit card during the marriage and later refuses to repay the debt, the creditor still holds the right to pursue payment from both spouses. This is due to the fact that the debt was incurred under the names of both spouses.

Exploring Options for Dealing with Credit Card Debt During Divorce

Utah provides multiple avenues through which couples can address credit card debt during divorce:


One viable option is to pursue mediation. By engaging in mediation, both spouses collaborate with a neutral third party to negotiate their differences and reach an agreement regarding the division of property and debt.

Divorce Settlement Agreement

Should the parties manage to reach a mutual consensus, they can proceed to sign a divorce settlement agreement that clearly outlines how they intend to divide their property and debt.

Court Intervention

In instances where no agreement can be reached, the case will inevitably move to court. Here, a judge will assume the responsibility of determining the fair division of property and debt between the parties involved.

If you find yourself going through a divorce and discover that your spouse is accumulating debt using joint credit cards, it is imperative that you seek legal advice. It’s worth noting that Utah operates on a no-fault divorce policy, eliminating the need to prove any wrongdoing on the other spouse’s part. However, the division of assets and debts can be an intricate and potentially contentious matter. By enlisting the services of a skilled family law attorney in Utah, you can safeguard your rights, ensuring that your financial interests are well-preserved and taken into account during the divorce proceedings.

Remember, divorce proceedings can be emotionally taxing, particularly when joint financial obligations are involved. Seeking professional guidance can help alleviate the burden and provide the necessary guidance to navigate this challenging process effectively.

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