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You were an enabler when you bailed her out, "over and over" as you put it. Like Dr. Phil says, you don't solve money problems with money. You have to face the facts and get real!
Give her an ultimatum, stop or you leave. If you do not want to leave her then just deal with it. As for the advice that you are not on the hook, think again. If you are married to her than her debt is yours. Where did this guy get his facts from.
HER DEBT IS NOT HIS if they are married. Where did you get your facts from? Should she not pay, they can not come after his bank accounts. Now, anything titled jointly, well, yes. so, he needs to open up his own accounts until his wife can get under control her spending/money problems.
I always thought that debts and assets acquired during marriage were jointly held, even if only one party signed. But I'm not a lawyer or anything else that slippery.
He is not legally responsible nor is his son for the car. She is, this will affect her credit. Now if she defaults on the loan it will affect her credit and if she stops paying on it altogether depending on the state wages could be garnished or a judgement placed on any property she owns. Which I am going to guess his name would be on also. That would only affect them if they choose to sell the property at a later date.
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