Q: I filed chapter 7 in 2011 as a single individual. Will my status impact the credit of a future spouse?
I.e. Credit rating; credit worthiness; future borrowing power?
A:
Generally, the bankruptcy of one spouse does not directly impact the other spouse's credit report/credit score, even if the couple is married at the time of the bankruptcy. There are some exceptions, such as when joint debts are involved in the bankruptcy, but those would not come into play when the bankruptcy predates the marriage.
*Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
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