Thank you for giving me the opportunity to assist you. I encourage you to ask me for clarification, if you are not clear with my Answer.
My wife has exhausted all unemployment benefits, has approx. $1,000 in cash and close to $30K in credit card debt. We are not legally separated, but have not lived under the same roof for more than 10 years. If she files for bankruptcy and I liable? We live in Phoenix, AZ.
Response: Unfortunately, if the debts were accumulated during the marriage, the credit companies may come after you for payment after she files for bankruptcy protection since you are not legally separated. Incidentally, your income would also be needed to calculate the means test to see if she is even qualified to file for bankruptcy protection. Again, your income is needed only because you are not legally separated.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).