However, if they have a supplemental credit card or they share debt, husband or wives may be affected by their spouses’ bankruptcy filings.
In some states, community property laws allow a spouse to accumulate debt without the consent of his or her husband or wife. The debt is then considered marital property. Still, there are a few exceptions to the rule. For example, if one spouse wanted to purchase real estate, the spouse would need the signature of the husband or wife. Yet, credit cards do not require both spouses’ signatures. Community property states include Arizona, Idaho, California, Nevada, New Mexico, Texas, Washington and Wisconsin.