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I just spoke to a lawyer about me filing bankruptcy but I did not want my husband to file since he filed before we got married. I thought at least one of us with good credit is better then both but at the end does it really matter?? The only debt he is on are both cars which equals about 1500 per money in payments. I am on everything else! We have four more years of those payments or should we just start clean. Also can the bank come after our 401k??