Most debts, even if jointly held, are dischargeable in bankruptcy. However, exceptions are made in the case of debts considered to be in the nature of child support or spousal maintenance. My spouse came into the marriage with nothing. I have saved over the years and have a tidy nest egg. This is entirely up to the judge.
All marital property is subject to the proceedings.
This means that the judge can take it all into account, no matter whose name it is in, and no matter where it came from. You can show the judge why you should get more of it, but in the end, it is up to the judge to decide what is fair.