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I'm not a lawyer and I can't give you anything close to a definitive answer, but I do know that your credit rating will be affected if your spouse includes a joint debt in her bankruptcy. That is, if you owe back taxes or have a joint loan and this debt is included in the filing it will end up included in your credit record as well as hers.

AnswerYes, It can affect your spouses credit, I filed chapter 13, My wife cosined a lone for a motorcycle for me. I filed 13, she did not, but somehow it shows up on her creidit report. AnswerThat is because as a co-signor, you are guaranteeing the repayment of the loan. Therefore, when a principal debtor defaults on a loan, the same negative nonpayments are reported to U.S. Credit reporting aggencies against a principal debtor AS WELL AS the 0guarantor (i.e., co-signor of a loan). In other words, DO NOT CO-SIGN A LOAN UNLESS YOU KNOW FOR A FACT YOU CAN REPAY THE ENTIRE AMOUNT YOURSELF WHEN YOUR FRIEND OR LOVED ONE BECOMES A DEADBEAT, OR DO NOT CO-SIGN A LOAN--PERIOD. Answer By MinaziUnless your husband or wife does not involve himself/herself in the matter, He/ She is safe. Your bankruptcy can not affect your spouse in any way. But in community properties, your spouse can be liable with you although your spouse did not even sign any document.
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Q: Will bankruptcy hurt your spouse's credit rating?
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