Question: My fiance is considering filing bankruptcy for her personal debts after we are married. We have no joint accounts or debts. I am concerned that this will ruin my excellent credit rating. Can her filing for personal bankruptcy after marraige affect my credit score and can any creditors come after assets that are in my name only?

Answer: Your credit report only contains information about you; it does not contain information about anyone else, including your wife. Therefore her filing for Chapter 7 bankruptcy, or a Chapter 13 Wage Earner Plan, will not impact on your credit rating.

However, if in the future you both decide to finance a house together, your wife’s bankruptcy will hurt her credit score, which reduces her effectiveness as a co-signer for you.

For more information, please contact a bankruptcy attorney .