Legal Question in Bankruptcy in Missouri

The short answer to this is "No, your wife would not be liable for the debts that only you owe." But the devil is in the details, and a number of credit cards have a clause in that tiny, light gray print that if anyone else ever uses the credit card, the user becomes liable for the entire balance, not just the purchase s/he charged. Also consider some possible scenarios if your wife dies--who gets the house, and if it's not you, where will you live? I'd consider consulting an estate planning attorney, or maybe a real estate attorney about how your wife could perhaps leave you a life estate and then leave the remainder (after you die) to whomever she would designate. And prepare your wife for the ugly reality that while she may not be legally liable, this fact will not prevent creditors from calling and suggesting that she should pay the bill.