My husband owed quite a bit of child support when I met him (his ex-girlfriend had gone on public assistance at one point so when she broke up with him and filed for child support he had to pay the state back for that) and he worked a lot of extra hours to be able to pay off his obligation faster.
We kept separate bank accounts, partly because that way if they garnished his account they wouldn't take my money (and they never did garnish his account).
We always filed our income tax jointly, and one year the child support agency garnished our federal income tax refund, "just in case" he went into arrears - a couple of payments had been late that year because they were garnishing his wages and his employer failed to send the payments in timely, so they kept our refund for six months, and then sent it to us. So that was a bit of a pain, but certainly not the end of the world.
We aren't all lucky (or smart) enough to find "the one" the first time around. Everybody comes with a certain amount of baggage. I waited 20 years between marriages to find the right guy, and I would have missed out on having a life with my best friend and the love of my life if I'd decided right off the bat that I needed to look for someone who had less baggage.