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In a Chapter 13 bankruptcy, you would only have to declare half the funds in a joint bank account as your asset, unless the co owner is your spouse. In a Chapter 13 bankruptcy, you entering into a plan to pay off your debts, and your spouse income counts as a portion of your household income. In a Chapter 7 bankruptcy, you can use a card exemption to protect your half of the money in an account up to $9,650.

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