If your spouse takes responsibility for certain debts but defaults on them, creditors can still initiate collection actions against you and your credit could be harmed. (mandrlaw.net)
After you have made all the payments under the plan, you receive a discharge of certain debts. (rocketlawyer.com)
The federal government has limited programs that can help with certain debts such as student loans and some mortgages. (badcredit.org)