topic Re: filing bk separately in Bankruptcy

filing bk separately

Anonymous — Thu, 22 Mar 2012 04:21:19 GMT

hello so me and my husband are contemplating filing and he has about $25k intax debt and collections....also we have about 33k in mortgage debt...is it a way that he can file for hs tax debt and the whole mortgage debt or would I have to file as well? Except for the mortgage, I have no cc debt (all paid to 0 bal) and no paid collections

Re: filing bk separately

IOBA — Thu, 22 Mar 2012 16:19:53 GMT

What state do you live in?

Is the mortgage joint?

Re: filing bk separately

Anonymous — Thu, 22 Mar 2012 18:09:21 GMT

Yes we are on the mortgage jointly. Is there any way that I could file bk for the
Mortgage and nothing else because I don't want to loose my cc that are in very good standing. Oh and we are in Maryland

Re: filing bk separately

Anonymous — Fri, 23 Mar 2012 22:36:23 GMT

We were told that both parties on the mortgage had to file, and all debts must be included.

Are you looking at a CH 13 or a CH 7?

I'm a big believer in checking in with a BK attorney or two. In our area, they typically do a free consultation. Make a list of your questions, a one page overview of your finances, and you'll walk out with a much better idea of what you qualify for, and how it will impact you. Makes for better sleep at night if you know your options and what's required. Totally helpful!