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What marital property can creditors get during the marriage?

That depends, but the law will generally treat creditors of one spouse different from creditors of both spouses. For example, if you and your spouse both sign a promissory note to a bank or both agree to pay all credit card charges, then all your non-marital as well as marital property is likely to be available to creditors.

On the other hand, if only the husband has signed a promissory note, then the bank may collect from his non-marital property and all marital property, but probably not from the wife's non-marital property. Generally, though, if the debt was incurred for "necessaries of life" (such as food, shelter, or medical care) then all property of either spouse will be liable - even if only one spouse actually incurred the debt.

Before lending any significant amount of money, most creditors will insist that both husband and wife agree to be personally liable for the debt.