As a codebtor you should have received notice of your spouse's bankruptcy filing. As for your legal options, you don't have many. Whether you were notified of the bankruptcy or not, if your spouse was eligible to receive a bankruptcy discharge, then she got one. You only have a case against her if you would have been able to legally challenge her right to discharge had you received timely notice. In other words, if you received notice when your spouse filed bankruptcy, would you have been able to object to discharge of these debts? And by "object" I mean file a legal objection - general objections don't count. If so, you might have legal options; if not, then legally, you were not harmed by the lack of notice. As a codebtor, you are now the only person these creditors can collect from, and you better believe they will try. The bankruptcy discharged the debt as to your spouse, but not as to you.
Answered on Sep 16th, 2015 at 12:02 PM