Husband and Wife, joint or solo bankruptcy?

In some circumstances a husband and wife ought to declare a joint bankruptcy. In others, a solo bankruptcy may be the way to go. Today, a Wife, fully employed with both solo and joint debt, decided to declare bankruptcy. On the solo debts, she will clear her name of any liability for the debt. On the joint debts, the husband will retain his obligation to pay and will retain the property (car, etc) that may be secured by the debt. The wife is free to reaffirm the debt and maintain her obligation to pay along with her husband if she likes.

Voila.