Am I able to register bankruptcy rather than add my partner and never harm his / her credit?
Quick response: you has financial problems, it’s an easy decision that only the one that has financial problems should file bankruptcy if you have credit accounts just in your name, and your spouse has credit just in their name, and only one of.
Simply because you will be married does NOT “merge” your credit files. If you make an application for credit together, yes, both your files are demonstrated to the creditor pulling the credit. However the thing that is only causes you both to suffer credit-wise whenever just one spouse has economic issues, is when you have got joint credit records.