Right or wrong, successful malpractice claims against bankruptcy attorneys are rare. What happens to a debtor inside and outside of bankruptcy is nearly entirely dictated by the debtor's circumstances. So, what an attorney does or does not do rarely changes the outcome. The problem many client's have is that the attorney fails to fully explain something, which may be an ethical violation and can be raised with the state bar association, but rarely, does that situation rise to malpractice....
Of course you are. That is what happens when you rely on unlicensed and untrained people to handle your legal matter. Red flag number one, bankruptcy requires you disclose ALL creditors.
In any event, you didn't really ask a question or state what sort of problem your actually having, so there isn't anything to say. If you can add some information to your question or re-ask it was some more detail and we may be able to point you in the right direction.
"And I assume that if my ex-husband files for bankruptcy, any creditor on any joint debt would come after me for the entire amount." That is correct.
Your ex would have discharged HIS obligation on the 2nd mortgage, but not yours. So, assuming you both signed for the 2nd mortgage, you are liable.
See my linked article below about what bankruptcy does, and does not stop, in a divorce proceeding.
The divorce can still go forward notwithstanding the bankruptcy. All you need to do is get court permission. The only aspect of a divorce that gets held up is the division of assets and sometimes the division of debt. You certainly don't need to wait until your chapter 13 is discharged. It is helpful to wait until a chapter 7 is discharged, and that is what I usually advise, but it is not...
The law really makes this situation complicated. Those Yamaha cards are, essentially, secured. Then throw on top of that UCC-9 and the bankruptcy, and it is a real mess. Legally, you probably don't have the right to sell and the bike should be turned over (whether you were making payments up to the point of filing your BK is irrelevant). So, you need to simply understand that above fact so you can understand the risks.
In the real world, is it going to matter? First question, how long has...
If the real estate was properly titled in the name of the LLC, and the LLC filed bankruptcy, that is the end of the story as far as those properties are concerned. The properties can be foreclosed and liquidated at this point. Who is on the mortgage note (the loan) at this point is irrelevant as is the divorce decree. The LLC is a separate legal entity. If the LLC filed BK before the divorce and before your chapter 13, there is nothing to do with LLC because it, essentially, no longer exists...
Yes, and yes. Bankruptcy is public record and your bankruptcy petition and everything in it (except your social security number, account numbers, names of minor dependants) can be viewed.
HOWEVER, the information is not "readily" accessible. If you were to Google yourself, your bankruptcy petition is not going to come up. Aside from large institutions and the NSA, someone would need to know you filed bankruptcy to even know to look for it.
A reaffirmation is a separate agreement and court order. I really question whether you "actually" reaffirmed the 2nd. Don't confuse the statement of intent. The statement of intent is just that, an statement of intent. But to have reaffirmed you would have signed a separate agreement with the mortgage company, that agreement would have been filed with the court and a court order approving it would have been issued.
You may want to double check.
Even if you did, or did not, as Scott...
Yes, he can file bankruptcy. There is no such thing as "filing bankruptcy against, or on something." An individual files bankruptcy and their assets and interest in assets, as well as their debts, become part of the bankruptcy.
What is your underlying concern?