It was mentioned to me that even though someone files for bankruptcy they still have to pay the debts is this true?just doesnt make any sense to even file bankruptcy if true
It varies depending on the details of the debts, what chapter of bankruptcy is filed, and the debtor's situation. However, in the common Chapter 7 bankruptcy situation, most of the debts are not paid in full and the debt not paid off in the bankruptcy is discharged, meaning that the debtor has no personal liability for that debt anymore. If the creditor had a lien against some property of the debtor before the bankruptcy was filed that creditor may still collect from the secured asset, though.
also if a person has debts before marriage and than combined debts with spouse do they combine all seperate bills and sfter marriage bills or would they have to file separate?
All the debts of the debtor are included in the bankruptcy. If both spouses file bankruptcy, then all debts of both spouses are included in the bankruptcy. The spouses may file a joint bankruptcy if they wish. Whether it is best to do the joint petition, for each spouse to file separate petitions, or only spouse to file depends on the details of their situation and what exemptions their state gives them. This is something they'd discuss with a good bankruptcy lawyer.