Do you plan to file bankruptcy even though your spouse doesn't? Although many married couples and partners do file together, others may make two separate choices about bankruptcy. However, even if you do plan to forge ahead with bankruptcy on your own, it's important to include your spouse in the process. Why? Here are three important reasons. 1. Joint Assets May Be at Risk If you declare bankruptcy, only your assets are at risk of seizure or used to make a repayment plan.