I am about $20,000 in debt. I lost my job in September and still haven't found one. I advised my spouse to pay the things that we needed to pay and to keep his credit A++. The credit card debt is in my name only, we have a house together, and a vehicle. Is there any way that I can file and leave him out of it?
I want to pay my debt off. I believe that's Chapter 13?? I just need a payment amount I can afford, and get every body off my back. Any help would be greatly appreciated.
2006-11-28 20:28:37 · 2 answers · asked by Anonymous in Business & Finance ➔ Credit
Yes, you can. Anyone can file individually, and Chapter 13 bankruptcy only remains on the credit file for 7 years IF discharged (completed): it is referred to as a Wage Earner Plan, because the creditors receive a portion of the payments due to them.
If you prefer not to file bankruptcy, debt consolidation may be an option as well.
2006-11-28 22:12:05 · answer #1 · answered by RedSoxFan 4 · 0⤊ 0⤋
You sure can file without your spouse.
2006-12-02 17:50:22 · answer #2 · answered by luciousgreeneyedlady 5 · 0⤊ 0⤋