Married & spouse wants BK, I don't

With the joint account(s), they won't be able to do anything to you while his BK is ongoing (stay of collection). Once his BK gets discharged, the stay is lifted as to any remaining debtors not bankrupt. At that point, they could try to collect it from you.

Any input as to how the joint CC would be divided up, what portion if any may be discharged? I may be willing to accept a portion of this debt & try to work out payment after his BK. I don't want a BK on my record & feel that it may be in our best interest as a family if one of us can salvage some of our credit. Also, do you have any knowledge about keeping a car that we are upside down on in the loan by about 4000.00. I believe I read about possibly being able to include a secured debt like this & paying on the value, say 5000.00 vs. the loan amount, 8900. Called a cram down? This loan is about 32 months old.