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In some states there is no legal separation; you are separated the day you begin living apart. Your options There are several options for handling joint credit card debt.Which one you employ depends on the state of your relationship with your spouse.

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If not, get help from a mediator or a financial planner, which is cheaper than an attorney." The basics Debt incurred during a marriage is generally the joint responsibility of both parties, as long as both are co-signers on the credit cards, says Bill Glassner, a financial planner with Glassner Carlton Financial Planning in Cedar Knolls, N. "However, if the credit card is in one spouse's name but the other is just an additional cardholder, that spouse isn't responsible.

" One exception is community property states, where both are responsible, even for debt incurred by one partner.

You can include provisions in the divorce agreement to force your ex to pay up, but going back to court is expensive and time-consuming.

"For many couples, it becomes an emotional game of, 'If he -- or she -- can spend money, I can, too,' and each of them runs up the credit cards," says Tina Tessina, author of "Money, Sex And Kids: Stop Fighting About The Three Things That Can Ruin Your Marriage"Ultimately, you can save yourself a huge amount of money if you can work out an agreement about who pays off the cards together.

This is why divorce attorneys, financial planners and credit counselors recommend that you leave your marriage with no joint debt.

By either paying off the joint cards together or dividing up the debt on joint cards and transferring it to cards in each partner's name, the goal is to remove your liability for your partner's debts.

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