The impact on your spouse depends on your marriage regime:
• Married in Community of Property: Both spouses MUST apply jointly for debt counselling. All assets and debts are considered joint.
• Married with ANC (Ante-Nuptial Contract): Each spouse can apply independently, as assets and debts are separate.
• Married with Accrual: Generally treated as separate estates, but consult with us for your specific situation.
If your spouse is jointly liable on any credit agreements (e.g., both signed for a bond or vehicle), they will be affected regardless of the marriage regime.