How does my partner’s bankruptcy affect me?

2. List your joint debts

Make a list of all your . Look at the loan agreements or contracts to see if you and your partner applied or signed for any of the debts together.

If you both signed an agreement for a loan, card, or mortgage, you are both responsible for paying the debt. If you have a and your partner files for , you are then responsible for paying the whole amount of the debt by yourself. This is true whether you are married, divorced, common-law, or separated.

Supplemental credit cards

If you and your partner both signed for a credit card, it is a joint debt and you are both responsible for paying it.

Sometimes a credit card company will allow your partner to give you a credit card from their account without making you sign an agreement. This is called a supplemental credit card.

If you have a supplemental credit card, read the back of the card carefully. If the card says that you have the same rights and responsibilities as the primary card holder, you might have a joint debt even though you did not sign the original agreement.

You should get legal help if you are being asked to pay for a card that you didn't ask for or have not used.

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