You can file bankruptcy before or after a judgment. We would have to look at what assets you have to analyze your exemptions from creditors (since you just moved to Florida this can be a complicated issue, but you might not have assets that would be at issue). Your wife is not responsible for your debt(but if you both resided in California and incurred the debt while married in California, it is possible the creditor could sue both of you because California is a "community property " state. We might need to check with an attorney from a community property state.
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If you file bankruptcy, the debt will be wiped out whether or not there is a judgment. The creditors can't go after your wife for the debt UNLESS she signed the loan application, too. Good luck.
Be sure to designate "best answer." If you live in Oregon, you may call me for more detailed advice, 503-650-9662. Please be aware that each answer on this website is based upon the facts, or lack thereof, provided in the question. To be sure you get complete and comprehensive answers, based upon the totality of your situation, contact a local attorney who specializes in the area of law that involves your legal problem. Diane L. Gruber has been practicing law in Oregon for 26 years, specializing in family law, bankruptcy, estate planning and probate. Note: Diane L. Gruber does not represent you until a written fee agreement has been signed by you and Diane L. Gruber, and the fee listed in the agreement has been paid.
The BK will take care of your judgement, it's best to file before, but it really isn't crucial. Spouses are fine, meaning they and their credit does not get hurt, but they BK court looks at combined household income. Your BK lawyer will explain that to when ya'll do the means test.