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You wrote, Reading this just makes me realize how fortunate I am in that it would be impossible for my DH to declare bankruptcy because he can't pay "his" debts. For good or bad, we're in it together...if bills can't be paid at our house, it's a joint problem, with joint solutions...regardless of which name an account may be in.

It's sweet that you trust your spouse so...

But trust me, it's quite possible for a spouse to declare bankruptcy without the consent or even knowledge of their partner. It's even possible with joint accounts for a spouse to work against your objectives, hide expenses and otherwise make it impossible to make any meaningful financial progress.

It's not that your DH can't declare bankruptcy - it's that you trust him not to put you or himself in that position... There's a big difference.

- Joel
Who was young in mind as well as body ... once.
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