If my spouse and I have joint debt, do I have to list them on my forms? Upsolve Help January 27, 2019 05:49 Updated Yes, you do. You will list them as "someone who is legally obligated to pay your debts." Related articles Why you should not include credit card or personal loan debt payments in Schedule J (Expenses) I created an account. What’s the process now? Should I file for bankruptcy before I get married? I called my car lender to talk about my bankruptcy and they refuse to talk to me. What should I do? Where can I get an editable version of the blank forms? Comments 0 comments Please sign in to leave a comment.