When your spouse files a bankruptcy it could affect you in several ways. In January, Atlanta bankruptcy attorney Jonathan Ginsberg wisely suggested on these pages that a non-filing spouse should consider hiring her own lawyer. In a series of articles, I will discuss several matters that should be considered if your spouse is filing for bankruptcy. The first question I always ask in this situation is should you consider filing also? Many attorneys charge the same amount whether one or both spouses file. Sometimes only one spouse files and then a few months later the other has to file, incurring nearly double the legal and filing fees. I often hear that the husband wants to file because his debts are out of control, but the wife can handle her debt load. Often his debts are the result of a failed business, and hers are typical credit card debts and bank loans. She has managed to stay current on her debts, but he has not. She would like not to file bankruptcy because she wants to preserve her good credit.