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I am sorry to hear about the situation. Unfortunately changing the ownership of the real property to tenants in common will not protect his half-interest. Due to community property laws, the marital community will still own that half interest that you are identifying as his and it can still be pursued by creditors. Actually, one thing that could be done is switching to tenants in common and then having his wife deed the half interest to him as his sole and separate property and she would have to also record a spousal waiver. The problem is, that would technically be construed as a fraudulent transfer since the community didn't receive anything in return and a creditor could pursue claims to "undo" that transaction. With that all said, in my experience, American Express would not be that aggressive in pursuing that unsecured claim. Is there equity in the house?