Due to my ex-husband being a co-debtor on some medical bills for our 2 sons, he will be receiving a notice that I am filing bankruptcy. I do not want him to know my business because it’s his fault I’m having to file. He has to receive the notice by law since he is responsible for 1/2 of the medical bills (which he never pays). During the divorce he was ordered to pay on a credit card which my name was listed first. Well he never paid and know I’m being sued for k. I had no other options but to file for bankruptcy. I filed today and he will receive a notice and become privy to my filing for bankrupcty. I know he will call me and give me crap. I don’t want to deal with him. I would just like some good come back to say to him when I get the call!!!!!

Technorati Tags: bankrupcty, credit card, debtor, divorce, filing bankruptcy, medical bills

I am currently am not living with and about to file for legal separation from my husband. He just told me he is filing bankruptcy, he owns a construction company that’s had a hard year. We are not ready to call it quits yet and divorce, but I want to protect myself. We have no joint accounts and my name is not even on the house he’s living in or associated with his business. Even if we get a legal separation will I still be affected by his bankruptcy? We live in Oregon.

Technorati Tags: construction company, divorce, filing bankruptcy, joint accounts, legal separation

Hi, my good credit was ruined by a divorce and a loss of a job in feb2009. I was making ,000 a year so the judge thought he would give me ALL the marital debt, then i lost my job about a month later. I was at that job for 5 years. I bought my own house and expedition with nothing down, if that tells you a little about how my credit was. Then i lost my job, and had to file bankruptcy just so i would not loose my house, and then of course my ex fought me on the bankrupty and it got dismissed, but of course my credit has already been ruined. I make good money again, but im just trying to play catch up, and i am married again to a wonderful man, and the only thing we fight about is money that is it! For my entire life i was the one to ALWAYS help others and now, at my time of need there is no one. So does anyone know of any place online or whatever that will finance Christmas gifts even when you have pathetic credit if you can indeed prove your income? I could care less if i get anything, but my girls are still young, and i want to do something for my husband so bad, for what all he went through just because he loved me so much. Thanks for reading!

Technorati Tags: bankruptcy, bankrupty, christmas, christmas gifts, divorce, girls, job, marital debt, money, time of need, wonderful man

I live in California and because of a divorce that went horribly wrong, I am considering Chapter 7 bankruptcy. But what is considered exempt for personal property? Are they going to come in and take all my furniture? Make me sell my car (which I own) and buy a cheaper one? How about retirement accounts (401K, IRA)? Has anyone gone through this in California?

Thanks!
To clarify, it was the debt accrued from the divorce and the resulting judgment that has created the need to file for Chapter 7. I have taken the Means Test and qualify easily.

Technorati Tags: chapter 7 bankruptcy, divorce, furniture, ira, judgment, means test, personal property, retirement accounts

Wife and I are in the process of divorce. We have both moved out of our home and it is foreclosing. I want to declare bankruptcy. The house is our only joint debt. Can she stop the bankruptcy? How would she find out that I am declaring bankruptcy if I don’t tell her?
I don’t want to deceive anyone. I just don’t want any problems in terms of declaring bankruptcy.

Technorati Tags: declaring bankruptcy, divorce

I’m in a divorce that now hit the 4 thousand dollar mark with no end in site. When my husband walked out on us he left me in a big mess. I was a stay at home mom and I hadn’t worked in almost 3 years. He left us with no money or anything. He gets to go live with his rich family who are paying for EVERYTHING and he already told me he has the resources to drag this out till he crushes me financially. Honestly he’s doing a good job.

I’m getting help from the government but it’s not enough to take care of me and two kids. I’m several thousand dollars in debt now and that’s only going to get worse. Should I let my attorney bills pile up and keep adding to my credit card debt and file bankruptcy or should I try to dig out?

What would you do? I feel so lost right now.
My husband won’t agree on ANYTHING. I can’t tell him anything without it costing several hundred dollars to have the attorneys talk for us.

He doesn’t have to pay child support because he doens’t have a job .We live 5 states away and he wants the kids every other month! My babies are 5 months old and 23 months old and he told me before he left he could care less if they live or die. He’s only using them to hurt me.

Technorati Tags: 3 years, 5 months, attorneys, babies, bankruptcy, child support, credit card debt, divorce, dollar mark, good job, money, several thousand dollars, stay at home, stay at home mom

I’m in a divorce that now hit the 4 thousand dollar mark with no end in site. When my husband walked out on us he left me in a big mess. I was a stay at home mom and I hadn’t worked in almost 3 years. He left us with no money or anything. He gets to go live with his rich family who are paying for EVERYTHING and he already told me he has the resources to drag this out till he crushes me financially. Honestly he’s doing a good job.

I’m getting help from the government but it’s not enough to take care of me and two kids. I’m several thousand dollars in debt now and that’s only going to get worse. Should I let my attorney bills pile up and keep adding to my credit card debt and file bankruptcy or should I try to dig out?

What would you do? I feel so lost right now.

Technorati Tags: 3 years, bankruptcy, credit card debt, divorce, dollar mark, good job, money, several thousand dollars, stay at home, stay at home mom

I have about 30,000 in debt most is credit card debt that has been in collections for two years now. And the rest is my husbands school loan. I have 20,000 in equity in my condo but the condo is not selling.
I have horrible credit because of falling behind on credit card payments.
which started when I went through a divorce with my first husband.
I don’t know if I should file bankruptcy ( which I don’t want to do ) I just feel stuck. Please give me some ideas…

Technorati Tags: bankruptcy, collections, credit card debt, credit card payments, divorce, school loan

I got into financial trouble after my divorce when my ex wasn’t paying child support. I am still so far behind there is no way I can ever catch up! I want to file bankruptcy, but when I called a bankruptcy attorney he said it will cost me 00 up front to file. If I could afford to pay that, I wouldn’t need to file bankruptcy! Help! Is there another way to file without paying all those fees?
Let me add that I have not been paying these creditors for a very long time. I can barely afford to pay rent, utilities, car payment and put food on the table for my kids. There is NO WAY I can come up with that kind of money!

Technorati Tags: bankruptcy attorney, car payment, child support, creditors, divorce, financial trouble, food on the table, long time, money

I have been married for 6 years. When I was first married, my husband would use my ssn for his own personal usages. Such as, adult chat lines, and utilities… I was not working for the first three years, and in that time, he opened credit cards, fell delinquint on our utility bills, and never paid a single bill.

I am now 26 with two children, and I am tired of having to move every year because he won’t even help to pay rent now that we are both working. He makes twice, if not three times what I make annually.

To sum up, my credit is a mess, I need to clean it up and I am not making much working my full time job… I would love to have a home one day in the next few years or so, but need help.

Should I file for bankruptcy?

(please, no comments about divorce. I am not looking for that type of advice)

Technorati Tags: 6 years, adult chat lines, credit cards, divorce, full time job, should i file for bankruptcy, ssn, three times, utility bills

I really am asking for a friend of mine. this is her 2nd divorce. 1 year ago, she filed for bankruptcy (dont know if it was 11 or 13). she separated from her husband and is rolling her house into it and changing it into chapter 7. she went to file for divorce this week and the attorney told her she cannot file for divorce until the chapter 7 has been discharged in 4-5 months… is this true and why? she cant thru to anyone to find out.
thanks.

Technorati Tags: 5 months, bankruptcy, chapter 7, divorce

I have over 0,000 in debt because of a divorce, I must file! Do I need an attorney, or is it safe to use a document preparer to assit with the filing? I hear arguments on both sides. An attorney wants 00 to do a ankruptcy.

Technorati Tags: divorce

I had to file bankruptcy 08/2005 after my divorce so my credit is poor. But I am needing to refinance my loan? I am single mother who is trying to find ways to cut payments? Anybody please help????

Technorati Tags: bankruptcy, divorce, single mother

I’m going through a divorce and the house is going to foreclosure but I have about ,000 in high interest credit card debt and I just got laid off. What should I do?

Technorati Tags: credit card debt, divorce, foreclosure, high interest, interest credit card

My husband has screwed me in my divorce something fierce and may be planning to file bankruptcy also afterwards as he never put this car that he got repoed that he took from me and tried to take my car as well and do the same thing. He never put in the papers about the car not being mine…And he refuses to even deal with it…

Technorati Tags: bankruptcy, divorce

After a long period of disability and a financially devastating divorce I have no realistic option but to file chapt 7. I’ve put this off for ages as I tried to save for legal fees. One creditor has begun court proceedings which I have thus far ignored. I need to end this asap and begin anew. My credit was perfect for decades before this disaster. I do not take this lightly at all, but now that it has happened to me, I just want to fix it and start over. Any advice on how to begin filing the paperwork, online resources to help guide me, etc. would be most helpful and greatly appreciated.

Technorati Tags: asap, court proceedings, creditor, decades, disability, disaster, divorce, paperwork, realistic option

I am thinking about it seriously, lots of issues with divorce. What can I do after filing bankruptcy. Will anyone have anything to do with me and how long do I have to wait to start building credit again? Ex has trailer in my name……….I am not living in it. His medical bills are in my name….now they are coming after me. I am already paying on all my stuff…………and after 1yr sense divorce I am still paying for him. I feel it is my only alternative.

Technorati Tags: divorce, filing bankruptcy, medical bills

I ex left 15 mos ago, filed for divorce this month. I havent paid on any credit cards, they are in collections in 1 yr. The house is in both our names, I am living in it. Might could get 10k if we sold it. Credit card debt is 17k. Should I file bankruptcy before the divorce is finallized? I want to keep house. I dont make a lot of money, want to file chapter 7. What happens if I file bankruptcy now? Will he be responsible for all the debt ?

Technorati Tags: chapter 7, collections, credit card debt, credit cards, divorce, money, should I file bankruptcy

I am failed financially and about to seek protection under the bankruptcy law. I run up credit card bills while being married to my to-be-ex-wife, but I don’t want her to be responsible for my failure. Should I file BK before or after divorce is finalized? How can I be sure my creditors wont go after my ex-wife just because we were married when I over-extended myself? Also, I’d like to be sure that her credit wont be killed because of me. Thanks.

Technorati Tags: bankruptcy law, bk, credit card bills, creditors, divorce, failure

I don’t want my credit ruined because my soon to be ex spouse is filing bankruptcy now. Divorce has been going on almost 3 years now, I want to stop him from filing on the house or anything else with my name on it, so I won’t be scarred for the next 10 years. The mortgage and home is in both of our names, but that’s about all, maybe one or two credit cards, but mostly the home. Anybody got good solid sugguestions?
I have already talked to an attorney, and get nothing but the run around. He won’t sign a quit claim deed, and cares nothing about the house. The attorney’s here are in a very tight knit circle where everyone knows everyone and has worked with them at one point in time. I don’t want my credit with a Bankruptcy lable on it because the ex is an idiot. The divorce has taken almost 3 years because he keeps putting it off. My parents are willing to support the children and myself, but he thinks he should get a cut in it. Just because they are well off, doesn’t mean I am. Any advice??

Technorati Tags: 10 years, 3 years, claim deed, credit cards, divorce, filing bankruptcy, lable, mortgage, parents, point in time