Family Law Questions? Ask a Family Lawyer Online.
Hi - thanks for looking me up again.
Yes, all joint debts would contain a notation on both spouse's credit reports that the account is in bankruptcy.
The debt that is in wife's name alone WILL affect the husband because California is a community property state and the husband is responsible for her debts - - even if he's not an account holder.
Wife would be discharged of the obligation to repay any of the debts - joint, hers alone or his alone.
Accounts that the husband is on alone should not have a bankruptcy notation on the credit report - - only joint accounts with the wife.
HOA dues that are assessed up to the filing date of the bankruptcy are dischargeable as to the filing party (wife), but dues that accrue AFTER the filing are not discharged and are collectible against both. Here's a good article on that: http://www.nolo.com/legal-encyclopedia/can-i-discharge-hoa-dues-chapter-7-bankruptcy.html
I'm not sure about the storage area debt.