There is no such thing as filing for bankruptcy as "married." A person files by themselves, or jointly with their spouse -- marital status is irrelevant to the bankruptcy petition.
If your spouse files alone, then any jointly held property or debt can be reached by the bankruptcy trustee for the satisfaction of unsecured creditors.
Your income is not a factor in paying your husband's creditors.
Reaffirmation of jointly-held debts is possible.
Re creditors calling notes due, an unsecured note is wiped out. A secured debt permits the creditor to foreclose/repossess the secured property. Most creditors don't go after the secured property, unless the payments stop.
Finally, GA law provides an important presumption concerning marital property and debt: § 19-3-10, states: "A married person may make contracts with other persons; but, when a transaction between a husband and wife is attacked for fraud by the creditors of either, the onus shall be on the husband and wife to show that the transaction was fair. If a husband or a wife has a separate estate and purchases property from persons other than his or her spouse, the onus shall be upon a creditor levying on such property as the property of the other spouse to show fraud or to show that the husband or wife did not have the means with which to purchase the property."
What the above-quoted statute means, is that if the bankruptcy trustee or a creditor believes that you and your spouse have arranged your finances so that he has all the liabilities and you have all the assets, then they can try to convince the court that a fraud is being purpetrated and the bankruptcy will simply be dismissed, leaving you both to the wolves/creditors.
So, while I'm certainly not accusing you of any funny business, it's something that you need to discuss with a local bankruptcy lawyer, because you may decide that a joint bankruptcy is a better plan.
Hope this helps.
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