Staying together after a bankruptcy is really tough. Not only do you have your private issues to work through, but you're continuously getting conflicting monetary advice that can put you deeper in the ditch. Staying married is hard. That's why so many people give up
However A divorce declaration doesn't change the fact that you are responsible for any credit held jointly.
When you open joint accounts you and your partner sign a legally binding agreement holding both of you responsible for the account. The divorce declaration is another binding agreement between two people who consent to divorce. It does not change previous agreements between you and other creditors.
It doesn't matter to the creditor who actually made the charges (if it's a credit card). It doesn't matter who agreed to pay in the divorce decree. And it certainly doesn't matter to the creditor that you're getting a divorce. The creditor will try to collect from both borrowers.
A word to the wise, don't sign a divorce petition until everything with your jointly held credit is worked out. Promises to fulfil at a later time or by a certain date can be overlooked and expensive to enforce.
What I mean by "worked out" is that all credit held jointly is closed, refinanced into individual names, or paid off to eliminate the debt.
"Worked out" does not mean that your ex-spouse has signed a promissory note or some other legal document promising to pay off debt.
An irresponsible or vengeful ex-spouse can wreak havoc on your credit rating for years after a divorce. It's legal harassment in its truest form.