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Debt Consolidation Forums Bankruptcy Chapter 7 and Chapter 13

File Bankruptcy without spouse.. will it affect him?? HELP!!



grlnew

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Sub: File Bankruptcy without spouse.. will it affect him?? HELP!!
Fri, 05/11/2010 19:48

Here is my dilemma… I got into MAJOR credit card debt!!! $30,000 all in my name only, not my husband. We can no longer pay the credit cards (well, haven’t in months) and pay our regular bills. I was basically paying all our bills with our income.. and since we had none left over.. living off of credit cards in my name. I am in deep debt.. with John P Frye Law Office calling me, Atlantic Credit calling me and Allied calling me wanting money.. I have looked into debt settlement, but with them I can still get sued and there payments are still high. I was looking into Chapter 13 bankruptcy. I have an appointment next week and can’t wait. My problem is, I can’t let this hurt my husband’s credit. He has the good credit and we need it to stay good. I really don’t care about mine, its already crap. The house is in both our names.. if I will file, and we are joint on the house.. will this in any way affect him??? One bankrucpy firm told me yes, one told me no.. what do I do??? I know I have to tell him, but it will be easier if it wont affect him.. Please help.. any advice??????



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Sub: #1 Questions about Filing Separately Tue, 01/29/2013 - 07:15



I live in Kansas and I am Filing Bankruptcy due to debt from a previous marriage. I am remarried and Filing Separately from my current Husband. My question is, If my current husband has a bank account, will the trustee need to know about it? Its His account and my name isn't on it.



ELLAHKAYE
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Sub: #2 financial consultationMon, 01/28/2013 - 17:56



Good day grlnew! well I believed i can give you the significance of a financial consultant because I'm working as a F.C in a private company.Being a financial consultant my job is typically provide clients/customers with financial products and services, depending on the licenses they hold and the training they have.But you see sometimes i get difficulty in tackling a very difficult situations , that's why i always go and visit this website www.payday-loan-consolid ation.org or call #209-217-0373.And for sure I ended up with the finest solutions.Just try to visit their websites and you will find yourself amuse by their advises.



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Sub: #3 I tried the debt settlement route and was sued by american expreFri, 11/05/2010 - 19:48



I tried the debt settlement route and was sued by american express. When you're sued, you have to file response which is alot of money, then the creditor might work with your debt settlement group but nothing that I could afford, something like coming up with 60% of amount owed to creditor! It really is a gamble going that route. Maybe you will not be sued, but if you are be prepared, because you cannot get back the fees you paid for the debt settlement company whether they did anything for you or not. My suggestion is to get free consultation from a lawyer or paralegal.


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Sub: #4 My wife filed chapter 7 in ohio and included the house we own toWed, 09/22/2010 - 18:03



My wife filed chapter 7 in ohio and included the house we own together what is going to happen to the house


Unregistered

Sub: #5 If you choose to file for bankruptcy separate from your husband,Fri, 02/19/2010 - 14:01



If you choose to file for bankruptcy separate from your husband, your husband will most likely not be affected. As the credit cards are in your name, only you are responsible for the debt. The extent that your husband will be involved is merely to provide information regarding his income (assuming that your husband is bringing income into the household), and other identifying information regarding the household???s debts and expenses.


SC
SC

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Sub: #6 Quote:Originally Posted by AnonymousOne if my wife credit care cSun, 02/14/2010 - 23:32



Quote:
Originally Posted by Anonymous
One if my wife credit care cued her for the mount of $10,000 and we have just received letter ffom the court, if she will not responce witin 20 days. now can she still file bankcrupdcy?

thna's


Yes, she can file bankruptcy even if she gets a judgement in her name. But isn't it a better option for you to respond to the summons on time to avoid getting a judgement. Just speaking my mind.


SOAPLADY
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Sub: #7 Yes, she can still file.Sun, 02/14/2010 - 20:38



Yes, she can still file.

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Sub: #8 One if my wife credit care cued her for the mount of $10,000 andSun, 02/14/2010 - 14:14



One if my wife credit care cued her for the mount of $10,000 and we have just received letter ffom the court, if she will not responce witin 20 days. now can she still file bankcrupdcy?

thna's


Unregistered

Sub: #9 I have filed for bankrtupcy before, but it was in TN, so it depeFri, 01/15/2010 - 13:06



I have filed for bankrtupcy before, but it was in TN, so it depends on your state. But I was able to file for Ch 7 without my husband and I didn't lose anything I owed. I kept my paid for car even. All my debts were wiped out. I've started rebuilding my credit now and hope to qualify for a home loan in the next few years. I only wish i would have done it sooner.


Steven Hobbes
Steven Hobbes
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Credits: 140

Sub: #10 I was reading through the posts here, and I may have a few helpfThu, 12/31/2009 - 09:13



I was reading through the posts here, and I may have a few helpful answers.

1) If you live in a community property state (such as Florida), are married, and are in debt, then both spouses are required to file for bankruptcy - EVEN if you are separated. You have to see a credit and debt counseling agency (like Provost or debthelper.com) together or separately, and after you talk with them to confirm that you qualify and should be filing for bankruptcy, they will ask you want to set up a meeting with one of their certified counselors (always check to make sure that they are certified). This will cost you around $75's, but it is a necessary step in order to file for bankruptcy.

2) Chapter 13 bankruptcy can protect your property from creditors while Chapter 7 does not. However, always read the fine print, because some of your assets can still be sold off. If you and your attorney are not 100% open with the value of your property and what you plan to do with it (for instance, if you decide to sell your house), then problems can occur between you and the debt court, and you can lose your property.

3) In some states, filing for bankruptcy will not affect your spouse, but in many cases this is not true. If you contact a credit counseling agency, they are required to answer that question for you. Also, there is most likely a list somewhere on this site that will tell you.

4) I've recently become a fan of two blogs that deal with these sorts of questions. They aren't always the best source, but they've recently improved. They also have links to a bunch of other blogs and websites that you can look information up on for yourself. They are http://bkhelper.blogspot.com/ and http://www.debthelperblog.com/ .

In any case, I hope that this helps you out!


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