If you truly have no debts owed jointly, that simplifies the debt section, but each spouse may still have individual debts that belong on financial disclosure and their own Financial Affidavit.
The point of this article is narrow: What If We Have No Joint Debts?. You do not need to learn every divorce rule at once. Understand this one issue, complete the task tied to it, and then follow the linked next step when another form or rule actually becomes relevant.
What this means in normal English
Do not confuse 'no joint debts' with 'no debts.' The final decree can state how individual obligations are handled. See what debts go on the affidavit for the disclosure side.
Example: You have a credit card in your name and your spouse has a car loan in the spouse's name. You may have no joint debt, but both people still have debts that should be disclosed and addressed correctly.
Do this in this order
- 1Confirm there are no jointly signed cards/loans.
Step 1 for “What If We Have No Joint Debts?”: update your notes if this fact changes later.
- 2List each spouse's individual debts.
Step 2 for “What If We Have No Joint Debts?”: double-check names, balances, dates, and account ownership.
- 3Check tax or medical debts too.
Step 3 for “What If We Have No Joint Debts?”: verify the fact before signing anything under oath if you are unsure.
- 4State the agreement that each handles specified individual debt.
Step 4 for “What If We Have No Joint Debts?”: finish this small task before opening the next form.
- 5Avoid leaving debt sections blank.
Step 5 for “What If We Have No Joint Debts?”: write the result down so you do not have to rely on memory later.
Easy mistakes to avoid
- Saying 'no debt' when you mean 'no joint debt.'
- Forgetting tax obligations.
- Assuming a creditor knows your divorce agreement.
- Leaving individual debt off the Financial Affidavit.
Where the next internal link actually belongs
If a credit card exists in one or both names, see the credit-card debt guide.
Official source: Official NH Final Decree (NHJB-2071-F) ↗How to know you are done with this question
You are ready to move on from “What If We Have No Joint Debts?” when the answer above makes sense in your own words, you have completed the first practical task—confirm there are no jointly signed cards/loans—and you know what record, form, court step, or financial item comes next. If you still feel like you are guessing, verify that one point before continuing.
Want the rest of your divorce broken into small steps?
If “What If We Have No Joint Debts?” is where you got stuck, use the free case check to put the rest of your divorce into order. It screens for the issues that make a case simple or complicated and then guides qualifying users one question at a time.
Start my free case check →General information only: This article about “What If We Have No Joint Debts?” explains general New Hampshire divorce information. FreeDivorceNH.com is a self-help technology and document-assistance service, not a law firm. It does not choose legal outcomes for you. Court forms, procedures, and rules can change, so verify changeable details using the official source linked on this page.