Q: Can I bankrupt one item from my credit - an eviction?
An ex and I signed a lease for an apartment 2016, 3 months before the year was up we had to move out of state and didn't have the money to pay the rest of the lease. Of course there is an eviction on my credit (and probably his too). He and I broke up due to abuse and I have no idea where he is or if he's even alive. We both were on the lease. Is there anyway to bankrupt just the eviction - I'm a single working parent and student? Or file something to only be responsible for half the costs, total is ~$7,000 at the point? I wasn't in a good place when I was with him and felt pressured to co-sign the lease. I'm trying to better my credit so I can eventually buy a house for me and my children and this is holding us back.
A: You cannot file for bankruptcy on only one debt - all of your debts must be listed and are affected. You may want to consider seeing a debt settlement attorney in your area, perhaps you can work out a favorable settlement on this one debt.
The good thing is that most of us (bankruptcy attorneys) provide free consultations regarding all types of debt issues. Based on your question there is a lot to discuss and brainstorm about and you will definitely come away feeling more empowered about this eviction situation and have a clear idea of your options and steps you might want to take. Give one of us a call :).
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