If you are the only one that is responsible for payment of the debt, the debt is of type that is dischargeable in Bankruptcy, and you receive a bankruptcy discharge the creditor cannot then go after your spouse. Having said that, this question is posted in CA and CA is a community property state. What that means among other things is that while you can file an individual bankruptcy without your spouse, all community property must be disclosed and will become part of the bankruptcy estate. In figuring out whether you qualify for chapter 7 discharge, your wife's income and your joint household living expenses will be considered. Consult with a bankruptcy attorney near you. They can help you decide if filing makes sense, whether you are eligible for discharge under chapter 7, whether all of the community property and your own separate property falls within exemptions so that, to put it plainly, you will keep your stuff and not have to pay the debt.
Answered on Feb 11th, 2015 at 5:34 PM