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Kmeisch

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is my spouse legally responsible for my debt that was accrued before our marriage?
im considering filing for bankruptcy since i have lost my job and have no income at the moment and am unable to pay my bills. on the chapter 7 forms for NY i have to include my husbands income. Is he legally responsible if all of my debt was obtained before we were married?

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Check with an attorney.

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I will say this first, ALWAYS ask for legal advice from an attorney, not a community board on the internet.  However after that said, most states DO join debt obligations upon marriage unless there is a contract (also known as a pre-nuptial) stating otherwise.  Creditors may decide to collect any outstanding balance from your spouse simply because they cant go after you any longer.

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The bankruptcy petition does not require your husband's income because he is responsible for your debt.  It is to determine whether you pass the Chap 7 means test, or if you don't qualify for Chap 7, whether your Chap 13 plan must be a minimum of 36 or 60 months.

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