Yes: If you have two loans and you defaulted on both, the creditor has the right to pursue collections as to each outstanding loan. It does not matter that you have the same creditor on two different loans; that creditor - your bank - has the right to attempt to collect from each of you. And in our community property state, each spouse is essentially liable for half of the community debts anyway, so as a practical matter, it does not matter much whose loan it was, yours or your spouse's one. The bank can attempt to collect even from a non-liable spouse.
Answered on May 22nd, 2013 at 8:17 PM