“If a couple is married, can only one individual file for bankruptcy?” The answer, simply, is yes. Married couples do not have to file for bankruptcy together – One person may file individually, or both individuals may file together.
When filing individually, bankruptcy will not affect the non-filing spouses’ credit, provided there aren’t any joint debts. Joint debts are debts shared between both individuals. So, if a debt is shared by both individuals, the creditor can look at either person, or both, to pay the debt.
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