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California is a community property state. Community property is defined as the following:
760. Except as otherwise provided by statute, all property, real or personal, wherever situated, acquired by a married person during the marriage while domiciled in this state is community property.
This affects the liabilities of a spouse to the extent that, generally speaking, community property can be used to satisfy the debts of just one of the spouses:
910. (a) Except as otherwise expressly provided by statute, the community estate is liable for a debt incurred by either spouse before or during marriage, regardless of which spouse has the management and control of the property and regardless of whether one or both spouses are parties to the debt or to a judgment for the debt.
Unfortunately, your husband’s income is community property per the definition in 760, and it is liable for your debts per 910 unless you incurred the debt prior to your marriage, in which case the following applies:
911. (a) The earnings of a married person during marriage are not liable for a debt incurred by the person's spouse before marriage. After the earnings of the married person are paid, they remain not liable so long as they are held in a deposit account in which the person’s spouse has no right of withdrawal and are uncommingled with other property in the community estate, except property insignificant in amount.
If your debts were incurred prior to marriage, then your husband should open an account that you do not have access to, and have his income deposited there.
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