Can I File Bankruptcy Myself
Can I file bankruptcy on just myself and not my husband on bills prior to our marriage 3 months ago?
It’s mostly old medical bills, telephone bills. No credit cards.
Ahhh yes…another fine batch of crappy, incorrect answers.
There are a couple of states that are “community property” states, where your debts and income are considered your spouses’s also. But that is AFTER your get married.
Debts made in your name BEFORE you get married are NOT your spouses responsibility. I know this for a FACT because when I got married, my wife came with a lot of debt “baggage” and I had to put all my collection agent “kung-fu” knowledge to work to get them to back off. What a joke.
But your case is going to be tricky. Any time you file for bankruptcy seperately when you are married, it can create some problems. Without a lot more specifics I can’t advice you. I would check with a BK lawyer, they usually allow free consultations. I’m thinking that they will take the whole household income and property into account when calculating what you are worth, and for “means” testing.
In my opinion, if you are not on the mortage or have any property in your name, and don’t have any income, ignore the creditors. They can sue but will never collect, as you have nothing to take. All the income and property is in the spouse’s name. Let them trash your credit, you can live off your spouse’s credit for a few years, then let him co-sign a few loans and credit cards to help you get established again.
Can You Represent Yourself In Bankruptcy
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