<prompt> Human: Background: Wife and I have been married for 4 years. We keep our income separate and have separate bank accounts. We make about equal money and try to split bills evenly. I pay for the mortgage and car, she pays for daycare and phones, etc. We only use debit cards, no credit cards.My wife recently took out a reserve line of credit her words from her bank. We typically only ever use debit cards but she was short one month due to a 600 bill and I guess her checking account has an option to take out the money easily. It wasnt a whole lot of money but since its basically a credit card the interest is bad 1,000 at 12 interest.Im more mad that she didnt tell me than I am that she took out the money. It isnt the first time that its happened, but weve since paid off the credit from the previous time she did it. It seems wrong to me that she could take out debt that I could potentially be liable for. I dont like the idea of having debt that I am completely unaware of.So is this legal? Is there any way for me to protect myself from this?tl;dr: Wife takes out loan without my knowledge. Is this legal? What are my rights in this scenario?Edit: We live in Minnesota, USA.  <response>: Wife and I have been married for 4 years. We keep our income separate and have separate bank accounts. Im more mad that she didnt tell me than I am that she took out the money. These 2 items are completely at odds. Either keep your stuff separate, and enjoy the benefits, or keep things joint. Trying to keep things separate and then getting pissy over not knowing all the details is not a good plan. 