The short answer is filing for personal bankruptcy will not directly affect your spouse or common-law partner. You are responsible for your own debts. There is a common misconception that when you file an assignment in bankruptcy and you are married or living in a common-law relationship, your spouse or common-law partner is automatically responsible for your debts. Often collection agents, when trying to collect from you, tell you that if you don’t pay they will contact and try to collect from your spouse or common-law partner. This is a collection agency scare tactic and as long as your debts are not co-signed, they can only go after you for your debts.