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Weeks holds a bachelor of science degree in business administration, management information systems from Salem State University. 'Credit Wise' archive Dear Credit Wise, My wife has a moderate amount of credit card debt (under ,000) in her name only.

A Chapter 13 filing, which is most likely what your wife would have to file, would require repayment of at least a portion of the debt.

You might consider consulting with an attorney to further discuss your options concerning the debt.

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So, even though your wife has no income, your income would be considered to determine if she qualified for a Chapter 7 filing.

Your income would have to be under the median income for your state for her to qualify.If you decide to pay the debt, you are fortunate you have good credit.That means you will have the option of getting a balance transfer credit card with good terms -- in today's market, you should be able to get a card with 0 percent interest for at least 12 months, which will buy you time to pay off at least part of the debt without incurring interest costs.With more than 20 years experience in the nonprofit credit counseling industry, Kevin Weeks joined the Financial Counseling Association of America (fcaa.org, @Trust FCAA) as its president Dec. Weeks has extensive knowledge of both the credit counseling industry and the FCAA organization, having served in leadership positions for three of its member agencies and on the FCAA board of directors.In addition, Weeks is working with FCAA members to help develop a long-term solution to the student loan crisis through the website Am I liable for her credit card debt if I am not listed on her card or account (i.e., only under her name, Social Security number and credit report)?

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