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According to a July 2009 report by The Tower Group, the net charge-off rate for the top 100 credit card companies in the United States reached an historic 7.65 percent in March.Here's what you can expect during the collection process, along with tips to help protect your assets when your spouse's credit card debt goes to court.Pay attention to the warning signs Lachelle Rhodes from Elberton, Ga., never uses credit cards, but her husband has a history of charging excessively and ended up with a wage garnishment -- deductions from his paychecks to reimburse the credit card company."When we were dating, I noticed that he always used his credit card when we went out to dinner or to do something fun, even if it was after payday and he had cash," says Rhodes.When they got married two years later, she wanted no part of that credit card and it stayed in his name alone.




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