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Hello and thank you for your question.
Under Australian law, a creditor is not entitled to recover a personal debt against a spouse just on the basis they are married to the debtor.
The only time that a creditor may be able to recover in this way is if either the spouse has signed a guarantee for the debts in question, which is sometimes done as part of a loan arrangement, or if the debtor has assigned assets to the spouse on a non bone fide basis. Absent such considerations your spouse's assets should be safe.
That said, the creditors may be trying to pressure your spouse on the basis that if she pays up she may be able to spare you from bankruptcy, but that does not mean your wife has a legal obligation to pay up.
I trust the above assists your understanding.
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