Subject to Rule 109 set forth above, each party will need to consider whether to attempt to freeze any credit or use credit of joint accounts. If the goal is to prevent further debt from being incurred, you will want to call and try to freeze the account or close it if it is paid off.Or, if they will allow, get your name off of the account so that no further charges may be made up on it. You should speak to your attorney if you think there should be an exception. Rule 109 and the restrictions of that rule should always be considered.