Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - One Spouse Filing Bankruptcy. Would A Joint Car Be An Asset? Would it affect the spouse's credit not filing? - If only one spouse is filing but the vehicle is jointly owned, the filing spouse's half of the equity in the vehicle would be an asset. <br /> <br />The credit report of the non-filing spouse is not normally supposed to be affected by the bankruptcy of the filing spouse, but if there is a vehicle involved that is jointly owned, depending on the treatment of the vehicle in the filing spouse's bankruptcy, there could be a notation that appears on the non-filing spouse's credit report. It should not affect the non-filing spouse's credit score. -
