Ormond Beach, FL Bankruptcy Law Firms & Lawyers

Although you are able to file bankruptcy on all of your debts without it affecting your spouse's credit, your spouse is legally responsible for paying all of your medical debts even if his name was not on the debt and even if he didn't know (or care) about your medical circumstances. After all, he promised to take you "for better, for worse, for richer, for poorer, in sickness & in health." In most states, that means he is responsible for your medical care costs.

If you filed a Chapter 7, you are required to stay current on payments. The Chapter 7 discharges your personal liability but does not make you current on payments. If you are not current, you need to get current or work something out with the mortgage company. If you were current before you filed and stayed current, then you just need to prove you were current to prevent the foreclosure, If you filed a 13 and used the payment plan to get current, you should have a order declaring your mortgage current. You can use this order to show that the foreclosure should be denied.