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A co-applicant is someone who applies for something along with another applicant.

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Q: What is a co-applicant?
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Can the credit card company place a judgment on you if they say you're the coapplicant of your deceased husband but they don't have the original signatures or your SS number and can they make you pay?

If you are on the account as a joint account applicant/holder you are responsible for the debt. Likewise if you reside in a community property state it is not necessary for you to be the account holder, as debts and assets are considered joint and equally owed and owned, regardless of whose name is on the account. Wisconsin does have CP laws concerning debts that differ from the rest of the community property states.