Yes, we file bankruptcy for just one spouse all the time. The means test does use the income for both spouses to determine whether a Chapter 13 or 7 should be filed but most of the time just one spouse can file.
My husband and I paid a partial retainer and signed the paperwork for the lawyer for file chapter 7 bankruptcy. We have not completed any of the required documents nor have we completed the required credit counsel. We were told nothing would be filed until we completed both and it also states in... Read more »
My lawyer was supposed to remove my car off of it. I refinanced car right after bankruptcy. In 2011 I got beside on payments. Then the bank comes back and said I filed bankruptcy on it so I gave it back to them. A few months ago the sent me a letter saying they... Read more »
Please correct me if I've misunderstood, but in your question you indicated that you filed bankruptcy in 2008, but then refinanced the car in 2011. If the refinance took place after the bankruptcy, that's new debt which isn't included in the 2008 case. As such the creditors are within their rights...Read more »
Truly not a fraud charge, we have never discussed bankruptcy, both work 2 jobs and run a business. But suddenly no one wants to give us a loan to consolidate debt and someone suggested a chapter 13. But this vacation is an issue even tho it was 100% non fraudulent
In all likelihood, yes. The only problem would be if the two vehicles have a lot of value (equity in the vehicle with the loan). You will just need to continue making the loan payments to keep the second vehicle.
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...Read more »
You count 8 years from the filing date of the 2010 case in order to be able to get a discharge in a second chapter 7 filing. Filing to filing, not discharge to filing. Best to see a lawyer near you to see if you are eligible. Hope that helps. Good luck!
That depends on an analysis of your finances and debt that your bsnkruptcy lawyer will perform and tell you. If it means anything, the minute you file bankruptcy, the harm stops. So sooner is better than later.
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