First let me ask -- did you intend your post to go in the Bankruptcy forum? Is this bankruptcy related?
As to your question, many credit cards these days don't allow joint card holders, though they would allow one member of a couple to be the primary holder and the other person to be an authorized user. Other loan types (mortgages, auto loans, etc.) do allow joint borrowers, but whether you want to be joint borrowers or individual borrowers is up to you and your own circumstances. For instance, most couples would probably want a joint mortgage unless one partner had bad credit or something, but you might each want to have your own car with its own loan.
It's about your circumstances and your comfort level. Some people like sharing everything, financially. Others prefer to keep finances mostly separate and pool only a few things.
