I’m wondering how filing bankruptcy works if you are married. For instance, what happens if one of us has really bad credit but the other one has good credit, do we have to file together? Can just one of us file bankruptcy without it affecting the other person? I don’t want a bankruptcy to make my spouses credit rating go down.

As a married couple you can choose to file bankruptcy together or separately. Even if you are married though some of your spouses information will need to be included such as assets you own together, debts you are responsible for together, expenses, and possibly their income to determine if you are eligible to file. If you are filing separately, debts you owe together will not be totally wiped out, you may have the debt discharged if you are filing chapter 7, but your spouse would still be responsible for the debt since their name is still on the debt. If you have no debts together then any debts that are discharged are gone completely.