<![CDATA[Marriage creates legal consequences not only for the personal relationship between spouses but also for the classification, control, and exposure of marital assets to third-party claims. This study examines how Indonesian law regulates marital property and determines the legal consequences when one spouse is declared bankrupt in the absence of a marriage agreement separating property. Using normative or doctrinal legal research, the study applies a statute approach and a conceptual approach to analyse the Marriage Law, the Civil Code, Law Number 37 of 2004 on Bankruptcy and Suspension of Debt Payment Obligations, and Constitutional Court Decision Number 69/PUU-XIII/2015. The findings show that Indonesian law distinguishes joint property from separate property, and this classification determines the extent to which assets may be subjected to bankruptcy administration. Articles 23 and 64 extend bankruptcy consequences to marriages governed by community of property, while Article 62 preserves the non-debtor spouse’s right to reclaim assets that legally remain separate. A marriage agreement may alter the patrimonial structure, including one made during marriage after Constitutional Court Decision Number 69/PUU-XIII/2015, but its effectiveness against creditors depends on validity, timing, opposability, and existing third-party rights. This construction clarifies the legal position of the non-debtor spouse within bankruptcy proceedings. Accordingly, bankruptcy consequences cannot be determined solely by the existence or absence of a marriage agreement, but require an integrated analysis of asset classification, bankruptcy estate boundaries, and creditor protection.]]>
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