Yes, your marital status has important implications for debt counselling:
Married in Community of Property (COP):
• You and your spouse are considered one legal entity
• MUST apply jointly for debt counselling
• All debts from both spouses are included
Married with Ante-Nuptial Contract (ANC):
• Each spouse can apply independently
• Only the applying spouse's debts are included
• Joint accounts need special consideration
Traditional/Customary Marriage:
• Generally treated as community of property unless an ANC exists
• Must apply jointly
If you share any joint accounts (like a home loan), both spouses are affected regardless of marriage regime.