Taking on Spouse Debts prior to filing a bankruptcy

Unfortunately you can’t simply elect to take on your spouses debt. When your spouse signed on these debts he essentially said that he would make sure they were paid in full, regardless of what happens to him (i.e. death, disappearance, bankruptcy etc.).

The only way you can really accomplish this is if you have the creditors agree to remove his name of the loan. However, creditors are very rarely willing to do this as the result is they are in a much more risky position and the banks often are not interested in increasing their exposure to the risk of default.