Can a married person file single for Chapter 13 bankruptcy?

Question

Spouse has massive credit card and loan debt in his name only.

Answer 1

It depends if you live in a community-property state or a state that recognizes that people are individuals, no matter where they live or whom they love. First, find out if your state is community-property, or not. If it is, you will have to do it as a couple. If not, you are free to keep your good name and your good credit, and live the way you deserve to live.

Answer 2

You have to file together, but everything loan in his name is not your responsibility. As long as your name isn't on the paperwork as a signer or cosigner, you can not be held liable even though you are married.

The only thing you need to keep in mind is that if the house or any other property is in both of your names, the creditors can come after that property.

Answer 3

See a lawyer I'm not sure how it is done but as a collections agent I saw married couples where only one spouse had filed banruptcy I do believe it depends on the laws in your particular state I am in Michigan.

Answer 4

No
Y'all took a vow, for better or worse,sickness and stupidity, poor or poorer.
Work with the spouse and cut them stupid 20.99% hourly interest debtor cards up.
Sell a car, pay the bills.
From now on, use cash that you have.

Answer 5

in the adventure that your previous financial ruin grow to be a financial ruin 7, you could document for a financial ruin 13 after 4 years. So sure, you could document returned now. you won't be able to document for a financial ruin 7 yet, because of the fact the recent financial ruin regulations prolonged the refile era.

Answer 6

Has to be done as a couple