Filing for Chapter 7 bankruptcy can be a daunting decision, but it can also be a way to get a fresh start financially. However, it's important to understand how bankruptcy can affect your spouse, even if they are not filing for bankruptcy themselves. Here’s how bankruptcy many affect your spouse or significant other:


In most cases, only the debts that are listed in the bankruptcy filing will be discharged. This means that if you and your spouse have joint debts, only your obligation to pay those debts will be erased. Your spouse will still be responsible for their share of the debt


The property that is exempt from bankruptcy will not be affected by the bankruptcy filing. However, any property that is not exempt could be sold to pay off creditors. If you and your spouse own property together, it’s important to speak with an attorney to understand how the bankruptcy filing will affect your ownership of that property.


A bankruptcy filing will stay on your credit report for 7-10 years. This can make it difficult to get approved for loans or credit cards in the future. However, your spouse’s credit should not be affected by your bankruptcy filing, as long as they are not listed as cosigners on any of your debts.

Bankruptcy can put a strain on a marriage. It’s important to communicate openly with your spouse about the bankruptcy filing and its potential consequences. If you’re concerned about how bankruptcy will affect your marriage, you may want to consider seeking counseling or speak with an attorney about your financial options.

Overall, filing for Chapter 7 bankruptcy can have a significant impact on your spouse, even if they are not filing for bankruptcy themselves. It's important to understand the potential consequences of bankruptcy before making a decision.

If you're considering filing for bankruptcy, it's important to speak with an attorney to discuss your individual situation. An attorney can help you understand the bankruptcy process and how it will affect you and your spouse. Our Kansas City bankruptcy lawyers want you to succeed after filing for bankruptcy and we'll do everything in our power to make that happen. Give us a call at 816-842-6200 to speak with an attorney about your financial situation, or contact us online to schedule your free consultation.

Jason C. Amerine
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President and Owner, Castle Law Office of Kansas City
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