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15 October 2018

Must my debt-free son take on wife-to-be’s hidden borrowing?

A reader of The Daily Telegraph asks whether their son will take on their partner’s debt if they were to marry.

Lara Mardell, senior associate in BDB’s private wealth team and David Thompson, partner in BDB’s family team, explain that legally a person’s debt is their own. However, credit card debt could cause difficulties in obtaining a joint mortgage and unpaid joint bills could negatively affect their credit rating. As such, the reader’s son may wish to keep his money separate in order to have better control over cash flow and to protect his assets in the event of divorce.

The full article was first published in the print edition of The Daily Telegraph on 13 October 2018. The online article is available here to subscribers of The Daily Telegraph.


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