Timothy Denison's answer You should consult your bankruptcy lawyer regarding how to handle the refunds but if you do spend them, you probably should use them to pay your ongoing monthly bills rather than on items that look like entertainment or waste.
Timothy Denison's answer The Trustee van escrow the funds and permit you a discharge. If they won’t, you may need to seek another attorney. It shouldn’t be terribly difficult to locate that creditor and/or his successor and provide that info to the trustee so the creditor can be paid and the case closed completely.
Timothy Denison's answer If it was an arms length transaction for the fair market value of the property, it should not affect you. If it wasn’t, you have about 18 more months to wait. Consult an experienced bankruptcy practitioner who can guide you in the right direction.
Timothy Denison's answer You must disclose all of your assets when filing bankruptcy. You cannot keep this from your husband because he is a co-debtor and Co-owner. He will get notice from the court if not from you. Break the news about the debt to your husband and figure out how to pay it off. Bankruptcy doesn’t appear to be a good option.
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