My husband has a debt of 20.000 in his name only but was incurred while we were married

Really need more details here. If debt is completely husband's he can file a Ch 7 (if he qualifies) and discharge the debt. Changing title of...

Business bankruptcy or personal or both??

I advise clients who own a business to wind down the business before filing. Its complicated. You need an attorney.

I haven't been making payments on my chase credit card,i'm including it in a bankruptcy.I opened a savings account for my son at

I have a different perspective. I would withdraw the funds before I filed. There are lots of things banks and other institutions "cannot" do but...

I'll take a shot. Obligations in the nature of alimony and child support are not dischargeable. I believe debt allocations are dischargeable,...

Chapter 7 discharged. Did not execute any reaffirmation on home mortgage (1st & 2nd) does that mean I can walk away at any time?

I would add that if you have a HOA you are responsible for post-petition dues and will remain liable until foreclosure. In respect to Cali lawyers...

I cant afford bankruptcy, are there any other options??

I would also apply to Legal Aid.

Married Couple - one qualifies for CH 13, one files CH 7 - what happens to 2nd mortgage?

If your house/mortgage values are accurate you cannot strip the 2nd in a 13. In order to strip the 2nd your 2nd must be completely unsecured.

Can a bank make you pay balance of loan on car after you have been discharged and the car was part of the bankruptcy

I'm a little more aggressive. Take the car to the bank parking lot and mail them the keys.

I have 13,000 in unsecured debt. I have no assets, No income, no way to pay. Is it really nessessary to file bankruptcy?

You seem to be judgment proof. You have rights under fair debt collection statutes. You could inform your creditors that you do not intend to pay...

How can I best protect a small business from a personal chapter 7 liquidation?

Your busienss is an asset that will be listed in your bankruptcy petition. Since the business is not filing a bankruptcy you cannot claim tools of...