Belding, MI Bankruptcy Law Firms & Lawyers

You current spouse isn't required to file bankruptcy with you, however, her income will be considered part of your household income for determining if you qualify for Chapter 7 or have to file a Chapter 13. In addition, whether you can be discharged from the debt on?the joint debt with your former spouse depends on the terms of your divorce/dissolution.

You probably can, but you should talk to a bankruptcy attorney to see if it is in your best interest. You should also take the letter you mentioned to the attorney. After a judgment is obtained against you, the court can require you to provide information about your assets. If you fail to do so, you may be sent to jail until you provide the information. Once you tell the court that you have no assets you have fulfilled your obligation. If you actually have nothing, the judgment may be uncollectible whether you file bankruptcy or not. That is why you need to get counsel from an attorney. Many bankruptcy attorneys provide free initial consultations.

If you're a "no-asset" chapter 7 bankruptcy, you don't need to add it. Just give the creditor your case number & day of filing. It was discharged, even though not listed if it was incurred prior to filing.