your credit score should NOT be affected, unless you had joint debt [credit cards, a home (even though you make the payments) ]. If he is...

Include mother in household even though she is a roommate?

If you include your mom as a member of your household, you must also include her income on the means test. If you qualify for Chapter 7 by not...

I always like to see the actual contract before answering questions about it but making certain assumptions based upon my experience up to now, ...