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1) What he is talking about is that all debts created during the marriage in CA are presumed to be community debts and for the benefit of the marriage. So if she lists them as community debt because they were created during the marriage, then you can be liable UNLESS you can show that the credit card debt was not used for any benefit of the marriage and as such is a separate debt.
2) If she fails to disclose debt and her name is ***** ***** debt it becomes her debt to be paid, not community debt. She would have to pay it and they cannot hold you liable if she did not claim it in the divorce or you can prove that it was not used for the benefits of the marriage.
The community property law makes it a PRESUMPTION that any debt during the marriage is community debt, but that presumption can be refuted by the evidence.