Q: I have a bankruptcy question. I need to file due to high credit card debt.
I have 1 joint credit card with spouse and don't want them to be affected. Can I remove my name from joint card that has a balance? Can I close the joint account before I file if it has a balance? What happens If I file bankruptcy and my name is still on joint card. I can't tell spouse that I am filing. I do pay All the bills. My spouse doesn't know anything about this debt. If I file bankruptcy will I still be able to pay that credit card balance off since my spouse is on it. Will he have to know about it?
A: You cannot remove your name from the card. You can close it but you have to disclose that in your petition. Notice is going to be given to your husband regardless bc he is/was a codebtor on the card. Yes, you can file and still pay the debt but you cannot conceal this information from your spouse bc he is entitled to notice.
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