Filing for bankruptcy?

I%26#039;m married and we%26#039;ve incurred about $140K in credit card debt. About 40% are my credit cards. My husband is the main provider (owns our home under his name) and is thinking of refinancing to pay off the credit card debt.

We are separated (about 1 month now), but have an amicable relationship. I suggested filing for bankruptcy, but he is very opposed to this. Even though both our credit scores are low, he still thinks we can get lenders to loan us the money. Well, it閳ユ獨 been a few months and nothing is happening. I got frustrated in waiting and can no longer make the minimum payments anymore and a few creditors have already started calling.

I閳ユ獫e since then left, moved in with a friend and am looking for a job (I don閳ユ獩 have much experience as I閳ユ獫e always relied on my husband閳ユ獨 income). Currently, I baby-sit p/t which certainly does not provide a steady income.

So I guess my question is if I can file for bankruptcy individually? Or do they take into account my husbands income? Thx!

Filing for bankruptcy?

depends on which state you are in. call a bankruptcy lawyer and ask, usually the first consultation is free and they can tell you what you can and can%26#039;t do.

Filing for bankruptcy?

u can file separately, but anything that is in both names they will go after the x, so he will have to pay up or also file, if all ur debts are in ur name go ahead and file, again u will need a good bk attorney just to handle ur filing, not wise to try and do it without one.

Filing for bankruptcy?

Lots of people think that once they閳ユ獫e filed for bankruptcy they will be unable to ever get a loan again, and ultimately they are unable to do anything financial ever again. This isn閳ユ獩 always true, there are%26lt;!--always ways to improve your financial standing, and there are also ways to repair your damaged credit rating.

http://best-loans.awardspace.com/Bankrup...

In fact one of the best ways to improve your credit rating is to refinance your home mortgage, this--%26gt;will help to improve your credit history in a number of different ways.

Filing for bankruptcy?

Hi,

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