<prompt> Human: Wife has a tremendous amount of debt that is causing an issue for our family. All of her debt is hers, I have not co-signed on anything. Credit cards, car loans, etcOur house is solely in my name.If she were to file for bankruptcy, can creditors come after me since I am her spouse? Not sure if it matters which state we live in, we are in Georgia.Thanks in advance for any help!  <response>: I am in this exact same position, so hopefully I can clarify a few things! I filed Ch. 13 due to outstanding unsecured debt all in my name. Mortgage is only in husbands name, but I am on the deed since were married.The short answer is, no they cannot come after you. However, during the means test they are going to look at total household income and total disposable income. Is she filing ch. 7 or ch. 13? In a chapter 7, they can absolutely try to go after any non-exempt assets, such as the house. Since youre married, a house would be considered a marital asset in most states. How much equity is in the house. The exemption amounts and rules vary from state to state.In a chapter 13, she pays back her creditors a percentage or all of her debt in a repayment plan over the course of 3-5 years time frame depends on the means test and income. They calculate the household disposable income yours included and that is what gets paid back. There are deductions for everything food, transportation, priority debts, mortgage payments, payments to secured loans, etc. and there is also a marital adjustment, meaning they take into account the non-filing spouses expenses not related to the household ATV payments, payments to your credit cardsloans, etc.. The nice things about a ch. 13 is that they dont take your assets.My best advice, though, is go talk to a BK attorney. Most offer a free consult. Shop around until you find one youre comfortable with. 