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I am wondering if anyone can help me.
I am happily married to my husband with a new baby. We live in Pa. I had to leave work early last year due to complications with the pregnancy and since then resigned. I am a homemaker now and my husband the bread winner. I am thinking of claiming bankruptcy to get my credit card debt (28K) under control because we have no way to repay right now. I know that it is extremely hard to get your student loans removed during bankruptcy. My questions is I have 67k in PRIVATE student loan debt, i am wondering what they can do if I stop paying my loans right now close to 650 a month... we are currently renting... my husband does own his car but we have a loan with up to date payments on mine. we are thinking of buying a house after this hole mess but soley on his credit. So I have no property, my credit score will already be **bleep** because of the bankruptcy... what else can happen? thank you for any help
They may be able to garnish your husband's wages if his name is on any of the loans as a co-signer for the debt. I'm not sure if living in a community property state might also impact if they can go after your husband's wages/assets. If you are considering bankruptcy, I would discuss the whole thing with your attorney, since they'll have the information and know your state laws.