Separation

Thank you for your question. Because the law dealing with the effect of a legal separation on debt may differ by state, I will give you a general answer. In many states, filing for separation would protect you from debt that your spouse accrued on her own behalf such as buying an expensive purse. HOWEVER, many people mistakenly assume that filing for separation is enough. In most states, you also need to show that you in fact separated. By living in the same house, you are susceptible to your wife arguing that you reconciled after the date stated as the date of separation. And even if you move out of the house, you need to be careful about engaging in any behavior that a court could construe as an attempt at a reconciliation.