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impact on spouses credit

If your married but the debt is your before marriage and want to go into debt repayment or bankkruptcy do you have to include your spouce..how does it effect spouce if does not have bad credit?

Posted from: Alberta

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One Response to “impact on spouses credit”

Barton Goth – Goth & Company Inc. -Trustee in Bankruptcy said...

You do not have to include your spouse when filing a bankruptcy, consumer proposal or any of the other options that exist to deal with your debt and as long as you spouse hasn’t signed on any of the debts in question there will be no impact on their credit. Marriage and debt are largely separate, the important thing is who signed on those agreements. If you wife singed she may have to consider including herself in your filing, but if not she is not involved.