Quote:
Originally Posted by Hopingtrying
 Not knowing the extent of his debt would scare me (H and I have always tried to live a debt free life--were even able to pay cash when we bought our house, prefer driving old paid off cars rather than new ones, etc.). If it is really bad, if she were to divorce, there might be nothing to divide up, instead she'll be paying off the debts he accumulated during their marriage.
Of course, then I did rack up medical debts but because I don't want my spouse to suffer from what I did, I voluntarily filed for my own bankruptcy (not jointly). If your spouse cares about you and you talk about your finances realistically, this is a possible solution to your mess. (By doing this, the spouse that did not file for bankruptcy still has a high credit rating which is nice when it comes to purchases like appliances/computers etc--no interest no payments is still available for those things)
As far as spousal support goes--I know this varies according to state laws because a year or two ago I heard a story on NPR about how Florida changed the guidelines to:
"If the marriage lasted at least 17 years, permanent alimony is appropriate if certain factors are present. If a marriage lasted at least seven years but less than 17, a permanent alimony award can be made if there is “clear and convincing evidence” that such an award is appropriate."
When I googled Washington State guidelines, one website said, "There is no set formula for calculating maintenance and, in fact, it comes down to the discretion of your particular judge based on his interpretation of factors unique to your marriage." but then also said when a marriage is 25 years long the spouse could receive half of your income for the rest of their life. One thing is for sure, the longer you are married, the more you will be expected to pay if you are the one that makes more money!!! If he keeps spending what you make--you maybe working nonstop until age 70.
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Yup my husband was married for almost 30 years, he was first told to pay half of his income during separation and divorce proceeding, he paid for few months and he gained tons of weight because he was only eating junk because he couldn't afford anything else, he was also sick the entire time because he was so stressed. One month he ran short because he had medical bills and he acquired arrears.
After divorce was fine judge lowered the pay to one third. Husbands lawyer showed that my husband would have to starve paying that much.
I am telling you. Having a spouse who doesn't work is beyond scary in the US