You are correct that the judgment holder can try to collect that debt from your husband, but not from you. In general, judgment holders can attempt to collect a debt by garnishing wages and bank accounts, and placing liens on property. Since he is unemployed, there is currently no worry about wage garnishment. However, if he has a bank account in his name along, or a joint account with you, these can be garnished.
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When one spouse files bankruptcy in a community property state, the marital community enjoys the protection of the filing spouse's bankruptcy discharge. Section 524 of the Bankruptcy Code provides that any community property that the filing spouse and the non filer acquire after the bankrutptcy is protected from creditors of the non filer who held a claim against the non filing spouse as of the date of the filing.
A creditor with a claim against the non filing spouse can only collect its debt from the separate property of the non filing spouse. In ,WISCONSIN that separate property is comprised of assets acquired before marriage; assets acquired by gift during marriage; or assets acquired by inheritance.
Your attorney should send a letter and your discharge letter to the collections agency stating to them the debt cannot be collected.
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