Five Points, CA Bankruptcy Law Firms & Lawyers

It would be a wise thing for both of u, given the situation u outline, to file for bankruptcy as a married couple now. That way u can both get a fresh state and will not spend anymore money payind down bills (like. Refit card debt and medical bills) that will be fully written off in bankruptcy anyway.

No. New Jersey requires your authorization to be in writing when you go to the shop or when a change is made in the estimated cost. He should be sued for terrible damages under the Consumer Fraud Act.

Anyone can file for bankruptcy and include any debt associated with them. However, doing so may, as in your case, affect you and any debt that you want to maintain. You will want to contact your mortgage company and auto loan lender concerning your interest in the property. Once your wife receives her discharge, she will no longer be responsible for the notes on the home or car. The lenders will then, normally, look to you to make the payments as outlined in your original loan documentation. If the home has equity, and she does not have enough exemptions (usually $10,000) to protect her interest in the home, then the court could look for some method to cover (liquidate) her interest in the property to pay creditors in interest listed in her bankruptcy petition. You will need to get a copy of her petition, look at schedules A, C, and D to determine how these two assets are viewed in the eyes of the bankruptcy court. If there is enough equity in the home for the Trustee to seek liquidation, then you will need to work something out with the Trustee or hire an attorney to represent you.