Avoca, TX Bankruptcy Law Firms & Lawyers

A spouse may file bankruptcy separately from her spouse. However, separate-filing is a yellow wet-floor-sign: it's slippery when wet. A waiver may be necessary and debtors often fail to appreciate that the nonfiling spouse's assets and income are integral to the filing spouse's bankruptcy. The decision whether to file jointly or not is not straightforward; you should both consult with counsel. Don't let the national credit-score-obsession strictly dictate your moves.

The car lender is lying to you about taking the car if your payments are current. And it is too late to obtain a reaffirmation, which by law must be submitted to the court before the discharge is entered. You should have read your entire bankruptcy petition before it was filed and let your lawyer know that a creditor was missing, if in fact it was missing. Look at Schedules D or G of your bankruptcy paperwork to determine whether this debt was included. If not included, it is now too late to make any changes. Talk to your own lawyer about the repercussions of this mistake of yours.