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Separation and divorce

Joint lines of credit: What are your rights if you break up?

It’s common for couples to take out a joint line of credit, for example to finance renovations, carry out special projects, or cover unexpected expenses. But what happens when couples separate? Here are the rules that apply if you break up and the steps you can take to protect yourself and terminate your obligations.

Who is liable for the line of credit balance if you break up?

When two people take out a joint line of credit with a financial institution, they’re both liable for the money borrowed, even if one of them uses the joint line of credit to buy personal items. This means that you’ll still be responsible for the debts incurred by your ex on your joint line of credit after the separation.


The information presented on this page is not a legal opinion or legal advice. This page explains in a general way the law that applies in Quebec. To obtain a legal opinion or legal advice on your personal situation, consult a legal professional.

New on JuridiQC!

Joint Divorce Help Tool

Free and easy to use, JuridiQC’s help tool assists married couples who don’t have children together as they prepare their joint divorce application. From filling out documents to filing them at the courthouse, we provide step-by-step guidance.