what happens to credit report for non filing spouse with joint debt

[RockyPorter]

[SMinGA]

Not sure about the ramifications of the community property state - but probably that means any of your creditors for debts accumulated during your marriage could sue her for $. Not sure if they would...

Ultimately as long as her solo debts & joint debts continued to be paid - her credit should be fine. Highly recommend against borrowing money to pay off the joint debt now. Trustee would see that as a preferential payment to one creditor - take it back and distribute evenly to all your unsecured. And she'd still owe the majority of the balance on the loan. If that is an option, it is something you should pursue AFTER your case is over.