My question involves bankruptcy in the state of: CA
My spouse and I decided it was time to upgrade our car as our family is growing. What I discovered during the finance loan process was that my spouse is $30K in credit card debt. My spouse is a stay at home parent and has not held a job since 2007. Minimum payments were always made with allowance money and never delinquent. The debt occurred before our marriage and has been accumulating interest since. The expenditures were mainly from having a shopping addiction for clothing.
I now refuse to provide allowance money as it is going to mainly interest payments. We are considering to have my spouse file bankruptcy. We do not own a home and are renting a couple of rooms from a family member. I have a car that is paid off as well. We do not share accounts with exception to this new car loan we were approved for based on my credit.
I would like advice on how to proceed and understand the impact of this if any to me and my credit as I am the sole provider. We have two young children and I would prefer for the money to go to their future. Thanks for your help.

