Well you can file. And your wise to think that many creditors will rely on your sworn promises and disclosures. And yes, lots of legal problems of the type that will make your financial ones seem minor, can occur. And certainly the debts you incurred by fraud/deciet the Court will have some problem just discharging. You need a lawyer. You also need to understand that many of the laws and credit guidelines are made to protect us from ourselves. They aren't challenges to try and beat. You lied and committed crimes (very much like burglary or theft) to get credit (money) you couldn't actually afford or deserve.
The bankruptcy will appear on their credit if you include this card in your bankruptcy. If you leave the card off the bankruptcy, it will not effect their credit.
You have to, it is a debt...it is just a secured debt...by the lien on the property.
Yes
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
Thier actions, or lack, do not effect your ability to file for bankruptcy.
file bankruptcy
You do not have to necessarily get credit counseling before you can file for bankruptcy.
yes noob how dont you know that
You can only file bankruptcy without a spouse in cases where the debt is yours only. For example, if you have a credit card that is in your name only then you can file without your husband.
You would probably be better off refinancing your mortgage first and then applying for bankruptcy later on. My mom had to file for bankruptcy due to credit card debt she could not pay.
Absolutely, you can send the notice of bankruptcy filing to the court and you will not have to attend.
You are not supposed to do this. You need to list all of your debt. In all likelihood, what will probably happen is that the credit card will find out about it anyway and cancel the card. Even if you have a 0 balance, the credit card will probably take it upon themselves and cancel the card.