It depends. Bankruptcy can complicate divorce; divorce can complicate bankruptcy. It is important to note that both Ohio and Kentucky will require you to address your marital debt during the dissolution of your marriage. Divorce-related bankruptcy issues most often arise in one of two situations: A couple is still married, is contemplating divorce and wishes to resolve debt before the divorce. An individual is divorced and owes their former spouse for marital debt. If you are contemplating divorce, a bankruptcy lawyer can work with both you and your spouse to quickly obtain the information you need. If you are already divorced, they can meet with you to discuss your options, including the advisability of filing Chapter 13 bankruptcy. In many instances, Chapter 13 bankruptcy can effectively free debtors from the obligation to repay debt to a former spouse following divorce.