Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
1)all the credit cards are in the wife's name. husband has his own credit cards.The husband is not an authorized user in any of the account. wife is not authorized user in any of husband's accounts.
2)the household is composed of two (husband and wife)
3)husband and wife live in same apartment but are in different rooms-they are kind of separated but still married and sharing the rent expenses
They can be maintaining separate households even though they are sharing the expenses.
Are they eating meals together?
Given the information you provided, since the couple is maintaining separate households, the wife does not have to include any of the husband's financial information if she files a Bankruptcy.
I think this is what you wanted to know. If not, please let me know.Thank you.
1) The main factor that determines whether a married couple are maintaining separate households is whether they are sharing meals.
2) As New Jersey is not a Community Property state, the husband cannot become liable for his wife's debts - whether or not she files a Bankruptcy.