After you get married, are you resposible for his/her credit card debts / bad debts etc?

After you get married, are you resposible for his/her credit card debts / bad debts etc?

After you get married, are you resposible for his/her credit card debts / bad debts etc?

Absolutely not.

As a married couple, you might choose to share bills and therefore share the responsibility or paying off debt. But in the event that your marriage dissolves, each person will be responsible for whatever debt they incurred BEFORE you were married. You will be 50% responsible for debts incurred during the marriage.

This is also true for assetts. Anything you bring into the marriage will again be 100% yours after the marriage is over.

After you get married, are you resposible for his/her credit card debts / bad debts etc?

technically yes unless you divorce. If they default on something the creditor can come after you. If you divorce, each leaves the marriage with the bad debt they came in with and split anything that acrued during the marriage

After you get married, are you resposible for his/her credit card debts / bad debts etc?

unfortunately

After you get married, are you resposible for his/her credit card debts / bad debts etc?

Yep, when you marry someone you take on everything, unless there is a prenup that states otherwise.

After you get married, are you resposible for his/her credit card debts / bad debts etc?

If you marry someone with credit card debt or school loans, I think both of you are responsible for each other. Basically, when you get married and plan on buying a house together or cars, etc. You need to be aware of the other person%26#039;s debt.

Personally, I would help to clean up my Fi/husband%26#039;s debt, if I were in a marriage. I would like to see all the debt go away, so we can get on with paying monthly utilities/mortgage, etc.

I would put all of the debt issues (credit card bill and loans) into the monthly budget. When I was paying the light bill, I%26#039;d figure out how much to put towards those bills too.

Marriage is a partnership. If one is in debt, so is the other.

After you get married, are you resposible for his/her credit card debts / bad debts etc?

if your significant other has a lot of debt, you might want to get a prenup and keep your finances separate.

After you get married, are you resposible for his/her credit card debts / bad debts etc?

Yup! :)

yeah if you get married and say you have like a perfect credit rating and your spouse%26#039;s credit rating is lousy..

your credit rating will go down

After you get married, are you resposible for his/her credit card debts / bad debts etc?

pretty much! but you guys can work something out to get it paid.. If you both agree that they pays for it with their own money then that is fine. but if you want to help them pay it off, then that is up to you. My husband was in big time debt before we got married...and i am now helping him pay it off.

After you get married, are you resposible for his/her credit card debts / bad debts etc?

Once you are married, regardless of a prenup or any other %26quot;contract,%26quot; in the eyes of the credit system, you are just as responsible for that debt as the person who incurred it. It can affect your credit score as well.

After you get married, are you resposible for his/her credit card debts / bad debts etc?

Yes...you are then responcible for the bills and credit. And trust me...divorce does not get you out of it. When I got divorced...his bills even though they were previous to the year we got married, my name was still attached to them. It has taken me YEARS to get this fixed and I am still about 3,000.00 away from being done! It has been a long, hard struggle, funny thing....I had A+ credit when I got married and right now...I probably couldn%26#039;t by a pet on payments from Petsmart!

After you get married, are you resposible for his/her credit card debts / bad debts etc?

People above are talking about what happens after you divorce- and that really varies by state, some of what people have already posted may not be true where you live (I know it%26#039;s not true where I live!).

If you have concerns about debt (either yours or his), then the best thing to do is sit down and create a plan for getting out of debt that you are both comfortable with. You are marrying this person, so in a broader sense, his problems become yours- it%26#039;s up to both of you to work it out together. Get a plan in place before you get married, so you both have reasonable expectations. This will prevent you from becoming resentful of each other.

Good luck

After you get married, are you resposible for his/her credit card debts / bad debts etc?

If you are in a community property state, then yes. You may want to sign a prenup to protect the individual who did not incur the debt.

After you get married, are you resposible for his/her credit card debts / bad debts etc?

Yeah unfortunately their credit is your credit. I am going through the same thing with my husband. I am really getting on him to take care of everything and he is doing a really good job. So within this year I should be in the clear.

After you get married, are you resposible for his/her credit card debts / bad debts etc?

Unless you are on a credit card with them or some kind of credit account jointly, NO. You are not responsible for prior debts. Good luck to you.

After you get married, are you resposible for his/her credit card debts / bad debts etc?

You better make sure that he/she clears that mess up prior to the two of you getting married. You will be responsible for anything that is in both of your names. And if one of you has bad credit, you will have a really hard time getting approved for major loans (cars, mortgages, etc.).

After you get married, are you resposible for his/her credit card debts / bad debts etc?

NOPE! Not unless you had a joint account before you got married.. Creditors can%26#039;t come after you. My suggestion would be to get a pre-nup to protect your finances. good luck.

After you get married, are you resposible for his/her credit card debts / bad debts etc?

technically yes. but you should of realized that before getting married. i also had credit card debt and i made sure to tell my hubby about it before getting married. he paid all my debts off before the wedding. i consider myself very lucky.

Should I worry if someone use my address to apply a credit card and then run away from the credit de

As long as they just used your address, but not your name or any other identifing information, (social security number, driver%26#039;s license/state id number or date of birth), you should be okay. If they have, file a police report ASAP. You%26#039;ll need the documentation to fight the identity theft.

When the collection letters start mark them, %26quot;addressee not at this address / return to sender%26quot; and send them back to the collection agencies. The post office will do this for free of you have not opened the envelopes.

Should I worry if someone use my address to apply a credit card and then run away from the credit debt?

No, you will get the annoying collection letters to your address (since that person used it), but other than that, all the debt info is associated to that persons%26#039; social security number. As long as you didn%26#039;t co-sign, then nothing will impact your credit.

Should I worry if someone use my address to apply a credit card and then run away from the credit debt?

Not really. The only thing is that you will recieve the annoying collection letters and phone calls. You may want to suggest to the person who owes the debt to get those letters sent somewhere else.

If my credit card company wrote off my debt and then sold it to someone else can they take me to cou

me. or is this a scare tactic. this debt belongs to my wife and her ex-husband. we would pay half if he would but he refuses.how can we make him stand good for his part. his name is on the card and his signature on the charges.if not can we get out of paying it.we are not concerned about our credit history its to late for that after our divorces.any imformation or someone we could contact would be a big help because it is a large sum. thank you

If my credit card company wrote off my debt and then sold it to someone else can they take me to court and sue

A write off is just that - they have written the debt off as uncollectible. Do not let anyone tell you anything else. I%26#039;ve been there. Contact the company you originally owed and let them know that you will not stand for the harassment. The cannot legally collect a debt they have written off.

Tell the %26#039;new%26#039; company the same thing.

I have had success with this...again, they cannot LEGALLY collect anything written off. The write off is NOT for tax purposes.

If my credit card company wrote off my debt and then sold it to someone else can they take me to court and sue

Very poor answer. Do you really think someone would pay money to purchase a debt, and NOT be able to collect a cent on it legally? Your answers do far more harm then good! DO YOUR RESEARCH! Report It

If my credit card company wrote off my debt and then sold it to someone else can they take me to court and sue

Loans can be sold to collectors, it happens all the time.

If my credit card company wrote off my debt and then sold it to someone else can they take me to court and sue

Well first off anybody can sue anyone, the real question is whether they have a valid claim and whether they will actually go to the courts.

Here%26#039;s a strategy you might consider.

Probably better that you talk with the creditor than your wife, since you had nothing to do with the original purchases that created the debt.

every time that they call you, don%26#039;t acknowledge or disavow the debt. Say that of course if you actually owe the money then you will want to take care of it, but that you will need them to demonstrate that the debt is valid.

Press them to demonstrate in excruciating detail that the debt is valid. credit card statements, and individual transaction receipts.

Say that you need this because you have to make sure that their claim is valid.

They won%26#039;t have this information, and will eventually go away.

Just be calm, courteous, genuinely trying to work things out with them, but insist that you have to have all the information before you can do anything.

If my credit card company wrote off my debt and then sold it to someone else can they take me to court and sue

Look in your phone book for the Consumer Credit Counseling Service (CCCS). They are a non-profit organization specifically created to help people with debt issues. They though are NOT lawyers. Good luck.

If my credit card company wrote off my debt and then sold it to someone else can they take me to court and sue

Assuming that this debt was not included in the property/divorce settlement (make sure it wasn%26#039;t included as %26quot;all debt%26quot; or some such wording ).

They can try to collect as long as the choose to, a write off is just a tax issue so they don%26#039;t pay tax until they collect. They don%26#039;t sell the debt (you would have been notified and they would no longer bother you), they have a collection agency working on their behalf to collect the debt. (collection agencies get a portion of the money they collect)They can sue one or the other party or both names on the contract. You can only sue the ex for half after they sue you.

Will they sue?...depends on the amount owed, and if you have any assets. If you have no assets, chances are slim that they will waste the resources to get a judgment against someone who has no money.

Bankruptcy I have a 120K judgement (from a foreclosed mortgage) against me, wage garnishment and cre

I have a judgment against me from the second mortgage holder on an investment house I bought that was foreclosed on. The first mortgage company foreclosed and sold the house (in Nevada) at auction. The second mortgage company didn%26#039;t get settled thru foreclosure because of some law in Nevada so they came after me and won the judgment 120K. Now they have garnished my wages and I am barely making it (Single income, three kids high rent in So. Cal) I do not have ANY assets, and do have large credit card debts and reside in California. I was asked if the judgment was non-dischargeable- it does not say non-dischargeable.

Is it my only solution to go bankrupt(not credit consultation nor counseling)

1) I%26#039;m not sure if I which chapter I should file under.

2) I do not have money for a highpriced lawyer- what are my options? (I have found flat rate attorneys and cut rate bankruptcy specialists)

3) What questions should I ask of prospective legal help before I commit to one service/attorney?

Bankruptcy I have a 120K judgement (from a foreclosed mortgage) against me, wage garnishment and credit debt.?

You took this $120,000 out of your investment home and did what with it?

The foreclosure laws state that a first mortgage being foreclosed on, wipes out all junior liens, thus your 2nd.

Often you can get a free or lowcost consultation with an attorney to discuss your options.

Bankruptcy I have a 120K judgement (from a foreclosed mortgage) against me, wage garnishment and credit debt.?

Chapter 7 gives you a fresh start. However if you have alot of expensive toys or material possessions they may want to grab them. They list your material assets at fire sale value (garage sale priced) and your allowed to keep a certain amount of assets and cash. I was stressed out financially for a couple of years and when I decided to let go, things got alot better. No more chest pains, phone calls, sleepless nights......My lawyer cost 1,700.....bankruptcy for dummies is a great book, answers alot of questions. Grab an attorney that comes highly referred. Your first meeting with him/her is usually free, you can get references from attorneys that don%26#039;t handle bankruptcies so ask your friends for a name of a good lawyer, then call them and ask them to refer you to a good bankruptcy attorney. If you have alot of assets......non retirement assests (because those are protected), then you may have to file chapter 13 which would help you reorganize your debts and set up a plan to pay them back at a reduced amount and interest rate. Good luck to you.......remember you can%26#039;t take it with you, so don%26#039;t let it take you to that place.

Bankruptcy I have a 120K judgement (from a foreclosed mortgage) against me, wage garnishment and credit debt.?

Hi,

I used %26quot;Credit Solution%26quot; to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It%26#039;s legitimate.I came across this company on NBC News Special Edition.Check it out here:

http://creditsolution.ez-mart.biz

Can a credit card company or debt company take u to court?

I am struggling with sum debt at the mo..i was fine paying it all off before i was sighned off work with depression and whilst some creditors have been ok a couple are sending me letters saying they will take me to court...can they? i have offered them a fixed monthly fee til im back at work and its silly that the debts are less then 500 and they are threatning me when i have one creditir who i owe a few thousand too who are more then happy to wait. the stress of this is just making my depression worse and i dont want to feel suicidal again like i did when i was at my worst..please help!

Can a credit card company or debt company take u to court?

Yes, unfortunately they can take you to court. However, this is not a criminal court, and you don%26#039;t even have to turn up if you don%26#039;t want to.

Basically you end up with a CCJ, and the judge orders you to pay. It ruins your credit rating! You can put in a defence though with your incoming and outgoing money, and the judge will only order you to pay what you can afford, can be as small as 鎷? a week! So sometimes, although it ruins your credit, it can be a blessing, as you are ordered to pay less than what the credit card company would want you to pay.

It is better to try and make an arrangement with the company yourself though, and save your credit rating. Its not really worth companies taking you to court for small amounts of money, but they threaten it to try and get you to pay. I`m sure that you can come to a private repayment arrangement at a monthly fee you can afford. If you set this up though, its VITAL that you stick to it!

Go to the CAB and they should be able to help you to organise your finances and sort out arrangements with your lenders.

Can a credit card company or debt company take u to court?

Yes they can, go and see a free citizens advisor they can help you and tell you the options. I am pretty sure there are places that write to the creditors and organise a repayment scheme and can even freeze the interest.

Can a credit card company or debt company take u to court?

They can take a court judgement against you. You will receive a letter with their intent to say they have applied to the courts.

On the documentation you can request more time and state you full earning which are taken into consideration.

Do not worry about it, your circumstances are taken into accunt. If you have made regular payments prior, it will be seen that you are willing to pay the debt. The courts will just agree a figure for which you will pay back each month.

Can a credit card company or debt company take u to court?

Hi

I have been in debt with credit cards and store cards before and i was, like you threatenned with court, i rang up the companies and promised to pay 鎷?0 per week to clear the debt. They can not take you to court as long as you pay something each week. Explain that you are out of work and that you will pay a certain amount each week to clear the debt.

Can a credit card company or debt company take u to court?

Unfortunately they can.

If you owe them money and are breaking the terms of the contract that you signed to get the cards, they are well within their rights to take you to court.

You should speak to them and see if you can pay off a slightly larger amount to stop the action.

Can a credit card company or debt company take u to court?

They can and they do. Can obtain judgements for the full amounts and all costs; can file liens at county and in some states attach wages and even checkin accounts.

Get hold of a manager and explain the situation; set up a payment and stick with it.

Good luck

Can a credit card company or debt company take u to court?

they can freeze your bank account, and they can also take you to court...

though, it%26#039;s just one of their strategies - they are just threating you because they believe this is the way they can get money from you...

in reality, if they get 40% of the money back from all the loans... they would be making history...

Can a credit card company or debt company take u to court?

yeah unfortunately they can !

The best i recommend is that you go to your local citizens advice beuro and they will be able to negotiate with these company%26#039;s.

Good Luck !

Can a credit card company or debt company take u to court?

yeah - get straight to citizens advice or money matters they are free and there to help you , they will contact all the people u owe money to and offer to pay them e.g 鎷? a month and they get the interest frozen on some debts so take all your paperwork to them and be prepared to be there for a good hour to get you on the right track - dont ignore this it wont go away it will just escalate - good luck

Can a credit card company or debt company take u to court?

Yes they can take you to court, but have a word with citizen%26#039;s advice bureau as they may be able to persuade a monthly agreement, afterall no matter what a court decides you cannot pay what you don%26#039;t have. Good luck!

Can a credit card company or debt company take u to court?

If you are in the U.S., you need to immediately see a credit counselor. Look in the phone book and pick one. An initial visit will cost nothing but your time. If you don%26#039;t like the counselor, either ask for another one or try another company.

As to taking you to court, yes they can, and sometimes do. Here%26#039;s a link to just one of them:

http://www.ccofamerica.com/feature/offer...

Can a credit card company or debt company take u to court?

Firstly, well done you, for facing this and handling it even though you are so ill. You are handling things the right way, they could take you to court if they wanted to, but would look pretty stupid as you have offered monthly payments and you are paying your creditors back. Having been in exactly the same situation as you, I can tell you the thing to do would be to visit your local Citizens Advice Bureau and take all your paperwork with you and let them help you. They know the law, and what the minimum payments you could make, which may buy you a little more money after creditors are paid off. They are non-judgemental and really helpful, explain everything to them and you won%26#039;t be sorry you went to see them, they will put your mind at rest.

I can also recommend having some Cognitive Behaviour Therapy for your depression. I was dogged with severe depression for over 20 years, I had all kinds of treatments and therapies, all to no avail, but I had six sessions of CBT two years ago and have not been depressed since, it gave me control over my life again, your doctor should be able to refer you. I truly hope you get the debt situation sorted, and more than anything, that you make a full recovery from your depression, good luck, and God Bless. x

Can a credit card company or debt company take u to court?

They don`t take people to court usually for a sum less than 鎷?000. Go to moneysavingexpert.com there`s loads of advice on there from people who have been in debt. You can see a debt advisor at citizens advise for free. they will negotiate with these companies for you, personally i think they will negotiate that you will pay far less than you have offered considering your income.

The worst that happens if it does go to court (and it`s only county court) is that you will offer to make repayments and the y will have to accept it. Don`t worry nothing ever turns out as bad as you think it will. Theses people are employed to threaten and bully you, they get bonuses for it!

Can a credit card company or debt company take u to court?

303.00 that is really low i get 1800 pounds and i am complainng anyway they could take you to court but not now they would have to get debt collectors first so it will take some time.

Can a credit card company or debt company take u to court?

you made the debt, you took there money, you are responsible to pay that debt as agreed to in your card contract. Failure to pay can and should result in you being sued in a court of law for funds due and past due plus late fees and interest.

Can a credit card company or debt company take u to court?

It is always known that as long as you are paying them something with the queens head on it they cant take you to court. I am in the same situation as you except I am working and after paying rent and council tax every week I am left with 鎷?0 to pay these bills and buy food and electricity - I was better off when I didn%26#039;t work for 10 years due to depression, the way things are going I am going to end up back on the sick.

Can a credit card company or debt company take u to court?

Yes they will take you to court for the money and are trying to harass you into paying off the debt. Tell them what you can do and don%26#039;t argue. If they say they are taking you to court tell them that this is your financial situation and you can do no better so they have to do what they have to do. If they do take you to court make sure you attend or they will judge against you automatically and you will have to pay to get the judgement lessened. Look for some credit couselling that is free in your city and go and get some advice and maybe consolidation. Good luck.

Can a credit card company or debt company take u to court?

Sorry, but they can and they will. I%26#039;m sorry about your depression, but maybe if you learned some spelling and grammar you%26#039;d feel better about yourself. Maybe you could work part-time for some extra money.

Can a credit card company or debt company take u to court?

Dear Natasha,

I wish you hadn%26#039;t quit your job! Holding on to it would have been a sign that you didn%26#039;t intend to let your depression run your life.

A creditor can always threaten to sue you, it doesn%26#039;t mean he will. It does help if you make regular payments to show good faith.

You might consider a consumer credit counselling service. Such services will take the info on your debts and income and try to work out deals with your creditors for you, and help you come up with a budget as well. Just be sure that you don%26#039;t use one that will want to loan you money, and check with your state%26#039;s attorney general%26#039;s office to see if your state licenses credit counselling organizations. Many are not reputable.

Can a credit card company or debt company take u to court?

I%26#039;ve suffered depression. It%26#039;s horrible but you have to pick yourself up, go and see a doctor and get a life. there is no need crying about it.

Can a credit card company or debt company take u to court?

Yes, they can. It%26#039;s sad to say but from the creditors%26#039; point of view, you owed the money, you pay. It%26#039;s not for them to worry where you get the money.

This is a cruel world. Sometimes you don%26#039;t even owe the money and they still call and harass you while they%26#039;re looking for someone else that you never heard of at you number. I called the company to complain and they stopped for awhile and started all over again. A company that I%26#039;ve never done with business with HSBC even when I threatened to write to their president of the company.

Can a credit card company or debt company take u to court?

Hi, yes in theory they can take you to court, BUT this is not necessarily a bad thing. No court in England will order you to pay back more than you can afford, and also if it does go through court, any interest being charged will be stopped. I would reply to your creditors pointing out all this , along with your monthly incomings/outgoings and also point out your other creditors have been happy to accept your offers. If you need templates I would go onto the national debtline website where they will give you more advice. Don%26#039;t panic, they cannot get blood from a stone and they know this. Good luck!

If I was charged 152% interested on a credit card can I get the debt cleared?

My husband had an old credit card that was charged off... He now has a third party collection agency that has served him with a summons for this debt... We were looking through all of the old statements and found that one of our statements said we were charged 152% interested - which I believe is illegal. Could this possibly get the debt cancelled/removed/cleared/etc...?

If I was charged 152% interested on a credit card can I get the debt cleared?

Hi,you need advice %26amp; the best place is citizens advice.Good Luck

If I was charged 152% interested on a credit card can I get the debt cleared?

Hire a GOOD lawyer. This one is a federal case. Once the charges are filed, have the lawyer fire off a letter to the collection agency informing them that they are attempted to collect money that was fraudulently billed, and if they continue to persue the matter, they will be also charged in the lawsuit as accesories to the crime. They will probably drop everything and run away as fast as possible from your case. If they done, just have your lawyer serve THEM with papers too and dont settle with the collection agencies unless they pay YOU big bucks.

If I was charged 152% interested on a credit card can I get the debt cleared?

wow! i heard of some high rates in my time but never that much!!

well i know that loan sharks have a ceiling price of about 52%, so i would presume other institutions like banks would have a similar limit!!!

i know this isn%26#039;t the best time to be spending money but i would recommend getting a lawyer or solicitor!!!

you may even be able to claim the cost back off the company because it is there fault that you had to get one in the first place!!

good luck!

If I was charged 152% interested on a credit card can I get the debt cleared?

if the contract says compound daily,theres no way,sears has a daily intrest and it adds up to be 15% don%26#039;t hold me to it,but thats the only way i see

If I have a charged off credit card that was purchased by a debt buyer can they sue me for the full

I had a credit card with a balance of $300 that unfortunetly did not get paid. The balance then rose to above $1000, however, that credit card company charged my account off and sold the debt to another company whom did not disclose to me any of their finance charges or terms of payment prior to taking me to court. Now they want to collect almost $1500 from me when the bought the account for an incredibaly lesser amount. If I go to court is there any way I can only pay them what they bought the account for plus the 9% interest they are charging instead of what the credit card company charged off? Or am I not obligated to pay this company because I did not originally owe the debt with them but with credit card company who charged it off and stopped pursueing me?.....PLEASE HELP! COURT IS ON THE 18th!

If I have a charged off credit card that was purchased by a debt buyer can they sue me for the full amount?

The reason why the debt buyer bought the debt for less than the full amount was because the seller did not know whether or not you would pay the full amount. Therefore, they decided to cut their losses and settle for a sure payment from a third party, even though it was for less than the face value of the debt... it%26#039;s a shame that the credit card company didn%26#039;t offer the same dollar amount to you!!! (but then again credit card companies are evil, so why would they have done something nice for you?)

Unfortunately, the amount for which the debt buyer bought your account for will probably not matter in a court of law (unless you have a REALLY good lawyer, which you can%26#039;t get for less than the $1,500 unless they take the case pro-bono). However, it might gain sympathy from the judge.

Why not try to settle out of court with the debt buyer? Call them and tell them that they have not disclosed their terms of payment to you and therefore are in violation of state and federal law, however, that you will pay them $1,000 over ten months in order to avoid taking them to court... it saves them that $500 from having to pay a lawyer, and it makes the outcome slightly more reasonable for you.

Or, if that doesn%26#039;t work, try finding a group that will take your case pro-bono (it%26#039;s when a lawyer takes a case for free because it%26#039;s a good cause or an exciting/benchmark case). Everyone knows that credit card companies and their ilk are evil (Chase is the worst!!!). Try and find someone that wants to charge them with profiteering, exhorbant rates, etc. But that isn%26#039;t a case you can make using advice from yahoo users (no offense to you or me).

Your best option is to try to settle out of court for an amount closer to what they bought the debt for or you can try and find a group to take your case pro-bono.

If I have a charged off credit card that was purchased by a debt buyer can they sue me for the full amount?

Heres the thing.

You may clear this with the current debt collection agency, but they can sell your debt to another agency and you will have to start the process of clearing it all over again.

What they are actually looking for you to do is to make a deal with them so that they get something from you.

Unless you have declared bankruptcy, this is going to haunt you for a while.

Debt can be sold, and you are still obligated to pay it, but you can probably get them to lower the amount owed.

If I have a charged off credit card that was purchased by a debt buyer can they sue me for the full amount?

for credit card detailstry this

If I have a charged off credit card that was purchased by a debt buyer can they sue me for the full amount?

If the the debt was at $300 when it went bad and is now almost $1500, it%26#039;s a fairly old account?

You NEED to check your states collecting statutes. If it is an old account there is a possibility that you may be out of the collecting SOL.

If you are out of the collecting SOL for your state, you NEED to utilize your rights and claim an %26quot;affirmative defense of SOL%26quot; and request the judge dismiss the case.

Click on my profile and click on the link to find the collecting SOL for your state. Then if you find that you are out of the SOL, scroll down to the bottom of that page and click on the home page. Scroll down to near the bottom of the home page and click on your state. You will find the statutes you need to back up your SOL defense.

If you have any other questions, you might click on my profile and click on the last link listed.