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Should you get a divorce or die, your non-filing spouse loses this profit. Also, the creditors should go following the independent assets on the spouse who didn't file if they ended up also liable on the credit card debt.
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The problem? You will not find a particular exemption to cover this. But it really would not subject if the business isn't well worth Substantially or isn't really a single a consumer would want—for instance, It can be reliant with your labor (you are not Element of the deal)