The document.

It changes somewhere around forty things about your legal position, silently, the same afternoon, and nobody at the counter is going to go through them with you because that is not their job and there are eleven people behind you.

The one I want everybody to know about is medical debt.

In a great many states there is a doctrine of necessaries, and in some of them — mine is one — it is a statute, and what it does is make you liable for necessary medical care furnished to your spouse when they cannot pay for it themselves.

It is usually limited to care furnished during the marriage, which is the thing that saved me, and the limits differ enormously state to state and some states have abolished it altogether.