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We are in a second marriage. Modest assets (home, cars, et al) are all in his name. We have always filed taxes separately and kept our finances completely separate. Our only income is his social security which pays the mortgage. He is on Medicaid; but I have had to drop my health insurance - even though it is required by State law. My business has bottomed out and left me $140+K in debt, including outstanding IRS taxes from a previous year and numerous college loans. Prospects for future business are not looking good. Debt consolidation is a likely next step, but I have no income. Bankruptcy may be the only solution. I've been advised that I can go bankrupt without affecting his assets. Is that true?