If my spouse and files for bankruptcy, do I have to file too ? He is my only income

You do not have to file bankruptcy with your spouse. Your spouse's filing will not affect your FAFSA or ability to get future student loans.

Can I add my utilities to my bankruptcy and still keep them? I am on payment programs but balances are over $1000 each...

Applies to Colorado Bankruptcies: You must list all creditors in your bankruptcy including past due balances on utilities. You should amend your...

We wrote a check that bounced. When I wrote it money was there. Now...

Paying a debt by bouncing a check is just compounding your problems. Now the creditor can attempt to collect 3x the amount of the check or $100,...

There is no separate hearing required for a creditor to obtain wage garnishment. But prior to processing a garnishment in Colorado, the creditor...

Can I file bankruptcy to rid of civil judgement made against me in favor of another person?

Most judgments are dischargeable in Bankruptcy, but judgments for intentional torts, taxes, student loans, child support and maintenance, as well...

Probably. Under Colorado's Joint Family Expense Doctrine, one spouse can be held liable for the family expenses of the other. 1st, you must be...

Chapter 7 - "Payments to Creditors" - do garnishments count?

Short Answer: YES to garnishments & utilities (unless less than $600 aggregate and debts are primarily consumer)(if debts are not primarily...

Should I file for chapter 7 or chapter 13?

Most debtors should file a chapter 7 bankruptcy if they qualify. The facts you provided don't suggest that you file a chapter 13 bankruptcy. That...

Help ! is Bankruptcy, my answer

ANSWER BY BANKRUPTCY ATTORNEY - LONGMONT, COLORADO: Many debtors get caught up with the payday loans trap. Normally, pay day loans are...

Do I need a specific amount of debt owed before I can file for bankruptcy?

There is no minimum amount of debt required to file for bankruptcy. I've filed only one bankruptcy with about $5000 in debt (out of 2500 cases)...