This is her bill and her name isn't on my account. She has her own. Can they come after mine since we are married.
A creditor has to get a court judgment against someone to attach a bank account. So the question becomes whether or not this creditor sues you on this debt. As I mentioned in my answer to your other post on this topic, in most states, as a spouse you would be responsible for medical debt, with or without your name being on the account. State law will control. Hope this perspective helps!See question
She has a lot of medical bills she can't pay. I don't want to file at all. Can she file and include some joint bills in it also without me involved.
Although your wife can file bankruptcy without you, in most state, spouses are legally responsible for paying each others medical debts. So you may regret not joining her in a bankruptcy. BTW, someone who files bankruptcy must include ALL debts or risk criminal prosecution. More info at the link below.See question
Hello, I have a questions about bankruptcy. I initially filed a chapter 7 bankruptcy in Nov 2013. My apt complex is now trying to sue me a whole year later stating that they never received my letter not too renew, which i have a copy of. I receive...
You filed bankruptcy in November 2013 and you expected to skate without paying rent for months after your bankruptcy was filed? Sorry, Charlie, you have legal responsibility for paying any debt that you run up after you file. Bankruptcy is not an invitation to rip off everyone that you can find until you get your discharge. Once your case is filed, you are responsible for your ongoing debts. Hope this perspective helps!See question
My husband and I lost everything due to my husband's prolonged (7 years) unemployment and we're just getting back on our feet. What is this class for? The last thing I want after the nightmare we've been through is anyone talking down to us or imp...
A bankruptcy doesn't happen by magic - you need to prepare for it, even if you are represented by the finest attorney. You can't just waltz into court, look sad, and show your empty purse and bank records. The credit counseling class will even help you to prepare for your free consultation with a bankruptcy attorney. More info about preparing for bankruptcy is below. BTW, you are also required to complete a second class after your bankruptcy is filed called "financial management." This second class is twice as long as the first class. These changes were implemented by Congress, and the volunteer attorneys on Avvo have no authority to change what Congress requires from you. If you don't care to comply, don't file bankruptcy. Hope this perspective helps!See question
I financed 100% of a 2000 camper in 2005 following Katrina to live in as my primary residence. 12/06 I was rebuilding homes in new Orleans and had traumatic injury to my five brain neck and back leaving me paralyzed. And 100% physically disabled I...
The SOL does not apply to judgments. The SOL applies to the creditor's obligation to file a court action to collect, and the length of time varies widely from state to state, with 7 years being the most common length of time. As to court judgments, they generally live a lot longer, typically 10 - 20 years from the time the court signed the paperwork. In some states, judgments, like vampires, enjoy an eternal life because they can be renewed an infinite number of times simply by recording the judgment in lieu of drinking blood. You can review the specific state laws on judgments at your local library or online at the state website. Hope this perspective helps!See question
I'm about 14 days away from Chapter 7 discharge and I'd like to know if this is possible? It may be too late for me but at least someone else can benefit from the information.
How disabled are you? If you are sufficiently disabled and unable to ever work again, it could be very likely to discharge your student loan debt in bankruptcy. Not something I would wish on you or even my worst enemy. Hope this perspective helps!See question
My plan was always to pay my loan but life got in the way and I was unable to make minimum payment. It was just charged off in October and just received a letter of acceleration in the mail. I would like to make payments, but the company says that...
The devil is always going to be in the details. Life has always "got in the way" and the past and until you put together a budget showing how you can prevent a large student loan debt from becoming a court judgment, not much advice I can provide in the way of offering you options. A consultation with a bankruptcy attorney once you have looked at your financials would be the only sure option I can make. Hope this perspective helps!See question
If I call the collection agency and make a deal to pay half and it is paid in full with this agreement will it be removed off my credit or still be there? Also I was told that simply phone communication with a creditor starts the whole cycle over ...
Paying will not erase the past. And credit can continue to be reported 7 years after the last time payment was made. Hope this perspective helps.See question
I am being sued for a credit card debt. The trial has been postponed twice and now is scheduled for December 7th. I do not want to pay this debt because it was for a timeshare that we NEVER received anything on except a payment book. We tried t...
Not wanting to pay and never using the produce or service isn't a legal defense. So I would be hoping that the creditor's attorney fails to produce the necessary evidence showing you signed the credit card contract . But you may be able to find a litigation attorney to represent you provided you are willing to settle. Hope this perspective helps!See question
Credit card is not on my credit report...I was 17 went I got the card I am now 32
What matters is when the creditor obtained the court judgments. Judgments live a long time, and in many states, like vampires, enjoy immortality by drinking blood during the full moon or re-recording the judgment at the office of the county recorder. Same thing. Hope this perspective helps!See question