Is bankruptcy still an option for pre-marital debt?

Your wife certainly could file bankruptcy now, although your income would have to be included in her Means Test and might impact her Chapter 7 eligibility. While the fact pattern set forth does not reference this, things could get a little dicey if (1) a matrimonial agreement or divorce decree called for or required your wife to "indemnify and hold harmless" the ex-husband from this debt, and (2) the ex-husband files an Adversary Proceeding in your bankruptcy seeking a declaration that said credit card debt should not be discharged. If this occurs, the ex-husband should prevail and the Bankruptcy Court should determine the debt to be non-dischargeable. Not surprisingly, I have not seen any reported cases dealing with the scenario where the ex-spouse did not file an Adversary Proceeding, but I suspect that the result would be the same. You should fully discuss this matter with competent bankruptcy counsel.