Does my spouse have to file along with me?
Not if your spouse has separate debts from those you wish to wipe out. Many married couples share credit cards and therefore, it is a benefit to file jointly. It is the same price to file jointly as it is to file individually. If you file for bankruptcy, and your spouse does not share any of your debts, your spouse will not be affected by your filing. But if your spouse was an authorized user on a credit card, that lender will expect your spouse to pay off the debt.
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