text: bankruptcy and domestic partnership? my domestic partner is over $30,000 in credit debt alone.  we have some joint credit and mortgage accounts that are not included in that total.  i am wondering how her bankruptcy will effect those joint accounts.  and will it effect my credit as well?  we live in michigan-so the state doesn't recognize domestic partnerships.  so, i am thinking i will be mostly immune.  does anyone know or have experience with this? if one party on a joint loan or credit card files for bankruptcy, they can be released from the debt, but any others on the loan will still be liable for repayment. your credit rating is based on your repayment history. if an account it not included in a bankruptcy, all parties are still liable. a joint credit account may be closed to new purchases, but as long as the payments are made in a timely fashion, it will not effect your credit!