Can I Go Bankrupt Myself Without Including My Husband? – Leanne


“Dear Steve,

I have multiple credit card accounts that I have maintained for years but in the past couple of years I have fallen behind, used the existing credit on the cards unwisely (paid tuition, paid other credit card bills, etc) and have lost all control. My minimum payments have skyrocketed, my interest rates are the highest I’ve ever seen. Each month more finance charges and late fees are added. I am now approx $48,000 in debt and no longer even make enough money per month to meet the minimum payments.

I am assuming that bankruptcy is my only option. My husband has great credit. Is it possible for me to file single bankruptcy even if I am married? How can I keep my mistakes from hurting him?


Dear Leanne,

Bankruptcy is not necessarily the only option but it is the most logical option based on the information you have provided.

You can file bankruptcy individually. Hopefully all the debts are in your name alone.

I would suggest that you go speak with a bankruptcy attorney and get all your questions answered. Then take a day or two to think it over. If bankruptcy still feels like the right way to go, move ahead without reservation.


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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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