<prompt> Human: Im 25 and my wife is 2 years younger than me. She wracked up a huge CC bill, took out a loan, and swapped out of her lease every year for the past 3 years. She now has 30k in debt all in her name and a car payment around 500Month. I only have a small loan but its easily handled, a prepay CC and a lease as well. I want her to file section 7 bankruptcy since we have 0 assets but I have no idea how this will affect me or if it will work. From what I have surmised if she declares bankruptcy and since nothing is in my name she will be affected but my credit will be unaffected and we can start our life over without trying to make huge payments for the next 6 years while not being able to have any extra money for emergencies.Any advice would be helpful since Im getting pretty desperate.Update- thank you all for your advise. I have decided to get legal counsel on how to proceed with divorce.  <response>: if you do file Ch 7 I would not have you and her on any credit items together until she can get her spending habits under control. You and her sound like total opposites when it comes to financial management and that will cause big relationship problems the longer it goes 