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The creditors can file suit against you to collect a debt. You can file suit against your former spouse for reimbursement.
Here is why.
The divorce decree states the rights between the spouses as to which spouse will make the payments on the joint debt. However it does not affect the right of the creditor to collect from either spouse.
Section 523 of the Bankruptcy Code
excepts from discharge both property settlements and support obligations in Chapter 7 bankruptcy. However money to be paid as part of Marital Property Settlement Agreement would be dischargeable in a Chapter 13 bankruptcy. Money in the form of spousal support is considered a Domestic Support Obligation
and thus it is not dischargeable in a Chapter 7 or Chapter 13 bankruptcy.
You can read the Code here:
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