Unless your spouse signed a guaranty on the loan(s), her wages are safe from garnishment.
If you had wages and taxes withheld, she can file married with an "injured spouse" designation so that you both are paying at the lower tax rate as married instead of the higher tax rate of married filing seperately. She would then get her refund.
Separate bank accounts? Good idea. Even though you would be able to demonstrate that her funds went into the account, that takes time and in the meanwhile you and she would not have access to the funds. Checks would bounce, auto withdrawals rejected, etc.. Better to have separate accounts so the family cash flow is not impacted.
And, what I am about to say is intended to reassure you, not scare you: in the event of a divorce, it does not matter in whose name an asset or bank account is titled, it is still considered to be a marital asset subject to equal or close to equal distribution.
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The answer above is very good. I just wanted to point out that if you get married and get a judgment against you, if you are head of household, you would be exempt from garnishment in FL. However, your best bet would be to get an attorney and settle the dispute BEFORE a judgment.
This is not intended to create an attorney client relationship and is for educational purposes only. You should always contact an attorney and go over the issue at length with all the details.
Your spouse is not responsible for your debts.
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