Since California is a Community Property state, you can be held liable for all debts incurred during your marriage, even if those debts are in your husband's name only. However, you cannot be held liable for any debts - such as the house loan - that were incurred before you were married.
This means your husband's creditors for the debt that he incurred while you were married - but only for the debt incurred while you were married - can continue try to collect that debt from you if he files a Bankruptcy and you do not.
If you get a divorce, you will no longer be liable for the debt your husband incurred in his name only while you were married.
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