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Not in Scotland and I doubt in England. Being married makes no difference and there is no joint and several liability as there is with partners in a business partnership where there is joint and several liability for partnership debts only.
Just had a dig, the joint and several liab only holds for credit agreements (certainly in England) held in joint names. Hence my advice is bo11ocks !
(Is my admission of getting something wrong a Scoobynet first ?)