my husband filed bankruptcy about 4 years ago...?

Question

then we got married and are in a lot of debt. we just want to file bankruptcy again and start clean...

do we have to wait out the 7 years because he filed before, or do the rules change when you get married?

ok first of all, no one knows my situation. AT ALL, so you have no idea why we need to file bankruptcy. If you dont have a real answer, move to the next question.

Answer 1

regular credit is seven years, bankruptcy is ten years on your record. you can get a bankruptcy discharged, but it will still be on your credit report for ten years. on his it would be another six years before his would come off. the two of you would have to wait ten years to get it off on the second one. he would have sixteen years as six left from the first, plus ten from the second. under the new laws enacted after katrina is harder to file now.

Answer 2

Nope, you can't do it. Married couples must file jointly. Better call a lawyer and start paying your bills. Call a consumer credit advocacy company to see if you can get everyone consolidated.

Answer 3

between the perfect options to split a relations is to have a strive against over money. faster or later you need to come to a decision what's maximum major, preserving peace in the relations, or getting your monetary desires dealt with. in case you no longer careful, this may lay seeds to reason a divorce. you want to ask criminal help in this. you want to be optimistic even if you're in a fault state or a no-fault state with note of to coverage. in a unmarried variety, the fellow at fault ... their coverage selections up the tab, besides the undeniable fact that, the legal experts ought to strive against over who extremely at fault, so maximum money is going to them and it drives up cost of coverage. In different variety, anybody damages lined through their coverage company, so no enormous monetary drain besides the undeniable fact that the lawyer career. Uninsured motorists are out in the chilly, and pedestrians had more advantageous no longer even attempt to bypass the line. Do you've a properly to have get admission to to replica of the files relating to the in-regulations claims, consisting of this exempt component, whose call the motor vehicle identify extremely is in (probably the monetary company). What are your responsibilities, because the in regulations lied to you about the coverage, yet you would no longer be able to instruct it. You were paying mom-in-regulation $ one hundred sixty.00 in step with month. become there something in writing what that $ become for, any receipts? because the motor vehicle is in better 0.5's father call, he's stuck with the $ 3,000 damage or maybe if is owed on stability to be paid the repo company for the motor vehicle loan, yet he would have properly to call for you reimburse him for those prices because you've been using the motor vehicle. you want to get all of this settled previously including yet another motor vehicle for your monetary woes. i wish there is bus provider extremely on the brink of the position you stay and artwork. the position I stay and artwork, at the same time as my motor vehicle is getting repaired, the taxi prices $ 5.00 one way, they continually say it will be there in quarter-hour, yet can take everywhere from 10 minutes to three hours previously i'm picked up.

Answer 4

PAY YOUR BILLS!!!!! bankruptcy is an easy way out of a stituatiion you put yourself in. Take responsibility for your actions and PAY YOUR BILLS!

Answer 5

never heard of anyone filing after 4 years
that husband of yours must be quite a hussler

Answer 6

nope, his debt and situation are now yours too and vice versa. Depnding on the state u live in, you cannot even file yourself and just claim debts in your name.