Can I file bankruptcy on just myself and not my husband on bills prior to our marriage 3 months ago?

Question

It's mostly old medical bills, telephone bills. No credit cards.

Answer 1

Ahhh yes...another fine batch of crappy, incorrect answers.

There are a couple of states that are "community property" states, where your debts and income are considered your spouses's also. But that is AFTER your get married.

Debts made in your name BEFORE you get married are NOT your spouses responsibility. I know this for a FACT because when I got married, my wife came with a lot of debt "baggage" and I had to put all my collection agent "kung-fu" knowledge to work to get them to back off. What a joke.

But your case is going to be tricky. Any time you file for bankruptcy seperately when you are married, it can create some problems. Without a lot more specifics I can't advice you. I would check with a BK lawyer, they usually allow free consultations. I'm thinking that they will take the whole household income and property into account when calculating what you are worth, and for "means" testing.

In my opinion, if you are not on the mortage or have any property in your name, and don't have any income, ignore the creditors. They can sue but will never collect, as you have nothing to take. All the income and property is in the spouse's name. Let them trash your credit, you can live off your spouse's credit for a few years, then let him co-sign a few loans and credit cards to help you get established again.

Answer 2

At this site you can solve your problem really fast: LOANSVAULT.NET-

RE Can I file bankruptcy on just myself and not my husband on bills prior to our marriage 3 months ago?

It's mostly old medical bills, telephone bills. No credit cards.

Answer 3

You can. But in most states you carry your bills into your marriage. So I would check with a Bankruptcy lawyer in your area to see what the local laws are. They usually don't charge or charge a minimal fee for a consultation.

Answer 4

I have never heard of it ever being done. You do not have a choice of what to file on such as, say you have a new car and you file but dont want the car to be involved. You have to list each and every item that you own to date.You are now married so you will need to list everything he owns also because you are part owner.There are different types that you can file but you may have to sacrafice some of your assets

Answer 5

You need to see a Bankruptcy Attorney

Bankruptcy is too complex.

Answer 6

No. single debt becomes marital debt, pay your bills.. Don't saddle the taxpayer with your laziness.