How can I protect myself against debt liability after separation?

The best way to protect against potential debt liability incurred after separation is to:

Formally document any separation in a Separation Agreement, and specify all existing individual and joint debts.

Keep detailed records of spending, and agree on how any joint liabilities will be paid.

Close any joint credit facilities, and open your own bank account and credit card in your name only.

Inform creditors of the separation or divorce, and request them to freeze joint accounts.

Check your credit report regularly to ensure there are no significant changes.

If financially possible, try to pay off joint debts before separating.