What Happens to Your Debt When You Marry in COP (Community of Property)

In South Africa, marrying in community of property (COP) means that both spouses’ assets and liabilities are merged into a joint estate. This is the default marital property regime unless a couple decides to execute an antenuptial contract (ANC) stating otherwise.

Debts Before Marriage

If one spouse has pre-existing debt before the marriage, it becomes part of the joint estate upon marriage. This means both spouses are responsible for the repayment of that debt. Creditors of one spouse can claim from the joint estate even if the debt was incurred before the marriage.

Debts Incurred After Marriage

Debts taken on after the marriage by either spouse also form part of the joint estate. Both spouses are jointly and severally liable for these debts, regardless of which spouse incurred the debt.

If one spouse incurs debt recklessly without the other’s knowledge, it can potentially jeopardise the financial standing of the joint estate. However, the innocent spouse can seek protection from the courts and might be able to prevent their half of the joint estate from being used to settle such debts.

If one spouse is declared insolvent, the entire joint estate is affected, and both spouses are declared insolvent, as they essentially share a combined financial position.


The primary disadvantage of this system is that both parties are vulnerable to the other’s financial decisions. A financially prudent spouse can be negatively affected by the financial mismanagement of the other.


On the positive side, marrying in community of property means sharing not only debts but also assets. Everything either spouse earns or acquires during the marriage belongs to the joint estate. This can provide a sense of unity and combined financial strength.

If you’re considering entering into a marriage in community of property in South Africa or are concerned about the financial implications, it’s advisable to consult with a legal expert or financial planner who can provide guidance tailored to your specific situation.

How Does Debt Review Work When Married in Community of Property (COP)

Debt review, also known as debt counselling, is a process introduced in South Africa by the National Credit Act (NCA) to assist consumers who are struggling to meet their financial commitments. The main aim with debt review is to restructure their debt and ensure that they can manage their monthly payments.

If one spouse applies for debt review, both spouses need to be placed under debt review. This is because they share a joint estate, and their combined debt and financial position is treated as one. It’s not possible for only one spouse to be under debt review when married in community of property.

It’s vital for spouses married in COP to maintain open communication about their financial situation. Any decision to enter or exit debt review should be mutual.

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