Thomas County, GA Bankruptcy Law Firms & Lawyers

If you file a Chapter 7 case, it should not affect your husband's credit, assuming you do not currently have any joint debts. However, you may want to consider filing your Chapter 7 BEFORE you get married. While your new husband may not be affected by your Chapter 7 case, his income may affect your ability to qualify for a Chapter 7. Once you get married, your husband's income is combined with your income and considered "household" income. It is the household income that the court looks at to see if you are eligible to file a Chapter 7. Another benefit of filing a Chapter 7 before you get married is that you would come into the marriage debt free.

You do not need income information from your husband if you are separated. Filing a bankruptcy case stops the bank account levy by the judgment creditor and you can get the money back that was taken if it was recently taken from the account. I do not know why you would not be able to file right away. You need to ask your attorney if there is any reason that would prevent you from filing immediately.

Unplanned medical bills are the number one reason in my office that clients choose to file bankruptcy. You can receive counsel from almost any bankruptcy attorney for free to help you decide whether filing under Chapter 7 will resolve your financial difficulties.