Sorry for this long question
When we were married my now ex-wife and I got a line of credit. I signed for the credit line, she co-signed as she had little or no credit history and thought this would be a good way to build one. When we amicably divorced we had accumulated some debt. Because my ex had no credit cards, etc. she agreed to pay off the credit line while I took care of the other half of the debt. Well, she paid down the credit line until just recently when she declared bankruptcy. I found this out from my bank who was sniffing around for a credit line payment. Is she now off the hook for that debt and I’m now on that hook? Even though she verbally agreed to pay it off? I guess boiled down, if someone owes you a sum of money, which I feel is the case here, and they declare bankruptcy are they no longer obligated to pay you?
Your understanding is correct – by filing bankruptcy on your joint debt, she is no longer required to make those payments and you, unfortunately are.
You may have recourse under Family Law to recover the payments from her – you need to decide if you want to spend the money on a lawyer to try and recover the funds.