![]() If you don’t, you could be held liable for their debts. If you’re dealing with the debts of someone who has died, it’s important to follow the right process. If you’re under 18 and not sure if you’re liable for a debt, contact your nearest Citizens Advice. This could include a mobile phone contract, clothes or food. If you’re under 18 you can only be responsible for a debt if it’s for something you need day-to-day. These are always the responsibility of the main cardholder. If you were an authorised additional cardholder on someone else’s credit card account, for example a spouse or partner, the credit card company can't ask you to repay any debts on the card. the creditor didn’t check properly that you could afford the repayments when you signed the agreement.there was a problem when you signed the agreement, for example if you were pressured into signing it or the agreement wasn’t clear.it’s been six years or more since you made a payment or were in contact with the creditor.A creditor is any person or organisation you owe money to. If you’re not liable you should be able to challenge the creditor. It means you’ll have a legal duty to pay it. ![]() If you’re responsible for a debt it’s called ‘being liable’. credit agreement, for example if you’ve bought a washing machine or taken out a credit card.You’ll also probably have to pay a debt if you’ve signed a contract to say you agree to give money to someone. You’ll be responsible for a debt if it’s something that the law says you have to pay, like council tax or water charges.
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