Deciding to declare bankruptcy or file a consumer proposal is a stressful choice. Understanding how any insolvency proceeding will affect your spouse can alleviate a lot of your fears and concerns. Our slideshare presentation will help you understand ‘family’ debts and how they are impacted by your bankruptcy or proposal. We will explain that your spouse is not generally liable for your debts unless they have guaranteed payment. We’ll talk about joint debts, when filing a joint bankruptcy or proposal may make sense and how your debts are affected in the event of a separation or divorce.