Hinesville, GA Bankruptcy Law Firms & Lawyers

Sometimes it's better to file before, sometimes after and sometimes it doesn't make any difference. You need to discuss the amount and nature of all your debts and assets with a bankruptcy attorney before anyone could tell you for sure. You may also want to file together, which generally is less expensive than filing separately and may have other pros and cons.

An individual can file Bankruptcy without the ex-spouse's consent after divorce. You might want to review his bankruptcy filing to see what happened to the house. If it was sold to pay his creditors, this may have an effect on your credit rating. He probably couldn't refinance the mortgage to get your name off the loan.

Sorry the pro bono attorney didn't want to take the time. The summons is to show that you got notice. You might bring up the improper service then, if the judge will hear it. They'll ask you to fill out a Homestead Deed to save items from being sold. In VA you're allowed $6,000 equity in a car, $5,000 equity in your home (or any other property if there's no equity there), $5,000 in your furniture, and your wedding and engagement rings. IRAs, 401(k)s, etc. are also safe. Keep whatever you fill out. Most likely they'll freeze your checking account, even though it's joint, so you might want to keep money out of there. Yes, you can file bankruptcy later, but sooner is better to keep them from getting money or property.