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William Louis Beecher

William Beecher’s Answers

3 total

  • I have alot of debt, if I get married is my husband responsible for it?

    I have alot of debt and am planning on filing bankruptcy. If I get married, will my husband be responsible for my debt incurred before we got married? Would me filing bankruptcy have any effect on him? I found this, but don't fully understand i...

    William’s Answer

    If you file bankruptcy and get your discharge your debts are no longer legally enforceable. I would recommend a BR filing before you marry. The state statute which you cited reinforces your soon to be husband's position. You may have issues with combined income and Means testing if you wait to file until after your marriage. Good luck

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  • During a BK 7, can I discuss reaffirmation agreement and terms with the company even tho I have an attorney?

    I am trying to reaffirm a secured debt. However, I have an attorney so I know the company I want to renew the contract with cannot talk to me direct. Am I allowed to speak to this company and discuss terms without my attorney? Basically, challenge...

    William’s Answer

    It is better to discuss reaffirmation with your attorney. Your attorney may be able to improve the terms of the agreement, reduce the amount owed, adjust high interest rates. Also, the reaffirmation agreement usually requires the signature of your attorney. This is a routine matter for bankruptcy attorneys.

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  • Filing chapter 7 bankruptcy

    can i purposely reduce my income (work part-time instead of full-time) , or lease a car to increase my expense, to pass the means test for chapter 7?

    William’s Answer

    If you have a good non-bankruptcy motivation to decrease your income, e.g. working multiple jobs that are affecting lifestyle or family, or if you are working multiple jobs just to deal with your debt load, then eliminating or reducing income is legitimate and may help you pass the means test. There is always a good faith requirement when considering a bankruptcy but the law does not say you have to work excessively. If you elect to reduce your income for the right reasons you should not have an issue with the means test. An experienced bankruptcy attorney can help you determine your eligibility quite readily.

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