I don't understand how she can be bankrupt but her husband isn't. I thought that when you get married you are considered one unit financially and both parties are liable for debts, no matter who accrued them. Is it debts she racked up before they were married? You hear stories of one married person maxing out all the credit cards and taking out loans, then they do a runner and the other party has to clear up the mess.
No, not if each party has their own bank accounts.