I think you should really speak with a lawyer. I do live in Ontario - I know that there is a government service that you can call where you can have an initial free consultation. There are too many unknowns for anyone to provide you with the comfort that you so obviously need and want. But, one thing for sure, should your husband die, his estate would be on the hook for his debts. I really encourage you to speak with a lawyer - it is unlikely that the credit card companies will speak with you - I have supplementary cards on my husband's credit cards and he had to give them permission to speak with me (and, yes, I would be on the hook for debts incurred by him). I wish you the best of luck - just take some action now so that you will know where you stand. I guess you can't speak with your bank since you do not appear to have a joint bank account???

Yes you will be responsible for your husbands debts.

I would demand to know about all finances. It is unreasonable and a power bid for your husband not to give you access. You are not a child and you should be an equal partner. If he won't agree then see someone to see how you can protect yourself.

To do nothing is to see yourself in trouble later and even homeless if he is so reckless with money. Not to mention the measley amount you will get to live on in old age.

Eccentric and Oilpainter - Thank you for responding. I am not sure why he is like this and I might be dealing with something else altogether here. I had thought of the legal aspect of it before.....I just needed someone else to say the same thing. Eccentric - Do you know which government department I can go and speak with someone about this?

Unfortunately, I don't know which government department to contact. I am in Toronto and have occasionally seen public service ads on TV - as well as references to it on another Canadian forum. I think if you look at the Ontario Government Website - and also the Legal Aid website for the area you live in you should be able to find out who to contact. If all else fails, you may have to find a small law farm and have an initial consultation. Based on your husband's behaviour I think that this would be your best option. Or, perhaps just call the Ontario government general office and ask who you should speak with. You might ask at your bank if they know who you should contact. While they cannot legally give you any information on the bank account since it is in your husband's name only, you will hopefully be able to speak with someone who will have sympathy for your situation - and they have seen it all before. I would start with the manager. Or maybe even call the head office of your husband's bank and ask someone there - that way if your husband has a special relationship with his bank he will not be alerted that you are taking action. Another possibility is to contact a a centre for abused women - they know all about these things. I come from a similar background (childhood, not current marital situation) so this would be worth a try. I really think you need to do this - otherwise you will be in serious trouble - and not only if your husband dies. I am assuming that your home, if you own it, is in both of your names - and that he can't sell it out from under you without your signature - but it has been done before - forgery. I wish you the best of luck. One thing for certain is that if the worst happens, you will be blamed for putting up with his nonsense.

Now what can we do abt THIS????

My frinds husband is a lying, cheating sac of crapqqqq

She has been so badly abused in every way possible for so many years. He did make a small empire, houses, cottages... Not exactly on lawful earnings.Anyways she just found out that he having an affar,AND actually has a property with this loser he brought into her own house!!! Which is different person
hink is beyond reas
Yep so He is losing all quickly and wants which is......House divided AFTER...he she gets half of what he put into the house...which is no in his name but admis to it, 25 000 for her debt, having been abused, lied to and no idea for very many years and$30 000 for renos promised by this swine. Then his debt, addictions, gambling other properties are his own worries? She could sink him but that would not benefit her. PLUS how to gain spousal support when fast easy money no paper trail, etc. IF SOMEONE COULD answer that?????
Sorry cap lock, lol Please help
What a horrible person!

LovVe and LiGhT

If you have a job that direct deposits into the account immediately open an account in your own name. You will need it to live on and to establish your own credit history. Depending on what kind of painting, oil etc. Unless he has been like this all of his life some painting fumes and paints can cause health problems. Probably not the cause but something to check on.

He sounds like you have allowed him to have his way but you must start being stronger. Hard to do but as mentioned before contact a woman's shelter or service.

Personally I don't think he has any money to speak of or he wouldn't be in the mess he is in.

There should be an agency that deals with abused people, mainly women, in your area, who deal with such issues routinely. They've helped people through such situations frequently.

Check with a local Service Ontario office - there should be one not too far away. Some of them are rather specialized, e.g. only deal with vehicle licence renewal, but they should be able to tell you where the nearest multi-service one is located.

Or try your local Member of Provincial Parliament's office.

ole joyful