See the Bills.com resource Wisconsin Collection Laws for a general overview of the rights and liabilities of consumers under Wisconsin law.
Regarding your spouse's exposure to liability for your debt, that is dependent on the facts of each situation. Wisconsin is a community property state. Generally speaking, a spouse has liability for the other spouse's debts in community property states. If the creditor sues both spouses regarding a debt and prevails, the creditor can get a judgment against either or both spouses in that situation. However, if the creditor sues only one spouse, it cannot get a judgment against both spouses.
Therefore, a creditor with a judgment against a spouse may garnish the wages of that spouse, but not the other.
Joint financial accounts may be levied (called attachment in Wisconsin). Therefore, in a situation where a spouse expects to be a defendant in a lawsuit, the spouses should close all joint accounts to limit any exposure to attachment of funds in joint accounts.
If you reside in another state, see the Bills.com Wage Garnishment article to learn more. I hope this information helps you Find. Learn & Save.