I collect social security benefits and my student loan is not in default
My answer is only valid for Hawaii, I do not practice law outside Hawaii. In Hawaii, the spouse is generally not liable for the other spouses debts, provided that spouse is not a co-debtor (co- signed). One exception is emergency medical treatment debts. However, be carefully if you acquire property (ie, buy a home.) Jointly owned property can be attacked by one spouses creditor, unless the home is held as tenant by the entireties ("TE" - a special way to own property that is only allowed between husband and wife, and only available in a few states ... such as Hawaii.). Bottom line, keep your debts and your assets (bank accounts, etc) separate, and acquire any real estate as TE. If your debt situation is serious, you should consult with a lawyer to give you specific advice. Good luck!
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There are two elements to your question. Legally no, your spouse will not be effected. As a practical matter, however, there may be some limitations. For example, when you buy a house, most lenders want both spouses on the note and mortgage (although many do not ). In such a situation your bad credit could 'affect' his -not because he would be liable for your debts, but because your credit might be the cause of a rejection on the loan.
I hope this is helpful to you - good luck!
Personal Injury Lawyer
Great advice from Attorney Tamm.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.