I don't think Chris thinks he'd have to pay off things that are entirely in Barb's name. So that's exempts the house and her credit cards. (Of course, then he'd need to find a new place to live.) He's got his credit cards (upon which Barb offloaded some of her debt), which are around $6k, and most importantly, the car. Chris got a completely exceptional loan for that car. He's going to be paying off like 3x the value of the car by the time he's done.