No. You are responsible for your debts. You are both responsible for joint debts. Your spouse is repsonsible for your spouse's debts. This is regardless of when you get married or when the debt is acquired. There are a few exceptions such as burial expenses, nursing homes, estates, tax l iens, etc. But for regular consumer debts pertaining to loans and revolving credit, only the person who signed the application for credit is repsonsible for the debt incurred.