I had a buddy get married, his wife had $75,000 in CC debt.
She did a balance transfer while married onto 2 cards in her new married name.
Divorce came 18 months later when some friends found her on tinder, thou she denied any infidelity.
Court found him jointly liable for the CC debt and because she just doesn't pay anymore he is stuck w all of it because he runs his own business & can't risk the default hit to his FICO.
That's the legal system for a guy.