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To determine disposable income, one must calculation current monthly income (CMI) by adding and averaging a debtor's income for the six months proceeding the bankruptcy. However, a debtor's non-filing spouse's income is included only to the extent to which it is contributed "on a regular basis for the household expenses of the debtor or the debtor's dependents." 11 USC 101. Consequently, income that goes towards the sole benefit of the non-debtor spouse or some other non-family beneficiary isn't included in the CMI calculation.
So, look at your income and see what portion can be excluded from the means test calculation. If he still does not qualify for chapter 7, then he would have to go for a chapter 13 repayment plan where he will pay 3-5 years at cents on the dollar.
Since the debts were incurred prior to marriage they are his separate debts and the creditors have no right to come after your separate assets even if you are in a community property state.
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Since you are married and some of the debts are after marriage, it may effect your credit score and/or the BK may show up on your credit. But, you should no be held responsible for debts before your marriage.
He should close the credit card accounts asap.
Yes, you should separate the debts before and after wedding date.
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