It may vary from state to state but she can file on her own but any joint accounts will most likely be included in the BK. You can always reaffirm those debts if you choose to do so.

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Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: TU 662 EQ 652 7/2/2012 EQ Auto 692 8/25/2012
Goal Score: 700

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