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CH 7 as a high income earner and other questions..

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amber78
Contributor

CH 7 as a high income earner and other questions..

I filed and was discharged with a Chapter 7 in August.  Included in that were two home mortgages, which I shared with my ex-husband. After I was discharged I quit claimed the deeds to my ex as well.  My husband makes 95k a year and lives in California. I ex just informed me that he now also filed for Chapter 7, he told me that because he filed last the mortgages would now go back to me?  I have never heard of such a thing. I checked out Pacer and my ex’s 60 days of paystubs equal 9k per month.  He also indicated that he has our three children living with him (he only has them two months a year, yet claims them on his taxes per court order) and he indicated that his job is not permanent (which may be the case, but he has been working there for over a year).  He also included his student loans.  First, I know its none of my business, but it angers me that he makes so much yet can still file for CH7?  I am also worried that he says the kids are with him.. what if it messes up taxes and/or custody?  Thirdly.. I didn’t see anything on there that indicated I would now someone how be back responsible for those mortgages. DO you think he is just pulling my leg here?

PAST SCORES: Experian FAKO
511 (12/01/13), 591E(05/02/14), 628 (05/07/2014)
CURRENT SCORE: 658 (08/15/2014)
Filed CH7 04/2014 & Discharged 08/2014
Goal Score: 720
In my wallet: CapitalOne Plat. $700 (07/2014), Capitalone QuickSilver $2,000 (09/2014)
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TRC_WA
Senior Contributor

Re: CH 7 as a high income earner and other questions..

It angers me that I had to pay back half my debt in a Ch 13 when other people file Ch 7 and don't pay back a cent.

I sleep well at night though... And my consolation prize is my reports will be clean in early 2016 instead of 2019.

Seriously though... I really don't care. I did what I had to do. Please let us know if your ex's $108k per year passes the means test for Ch 7.
FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
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Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
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