<prompt> Human: Will it even affect it at all? All the major debt is in my name and we only technically own a single asset motorcycle. She has two credit cards in her name, and our phone line. If I do this and we get back 9th our feet... is it viable to use my wifes good credit to some day buy a house? It wouldnt be for years but just an example. I dont want to destroy her new and good credit because I am an idiot.Thanks for any help.  <response>: Not sure how a bankruptcy affects a marriage partner but I do know a bit about consumer proposals. Have you looked into that option? Its only on your credit score for 4 years or so and then is gone and you can use your own credit again. Plus when asked if youve ever been bankrupt, you can truthfully say no, giving you a wider range of options in your future. Before you declare bankruptcy, check into the proposal thing. If youre in Canada, I can put you in touch with an extremely knowledgeable person at a company that does proposals and bankruptcy. Also she would have answers for your questions regarding your wife. After she helped me, Ive sent several people to her and they give amazing reviews of her service. Let me know if you want more info on what a proposal is or the company Im talking about. Best of luck!Edit: spelling 