Yes
You can not refinance without a court order if the bankruptcy is still open on you.You own the house with your wife and all Your meaning just you assets are frozen until the bankruptcy closes and part of your assets are your part ownership in the house.
Since its dismissed w/ prejudice - Wait 180 days and file an individual chapter 7. Your spouse does not have to file.
Since marriage is important, I would suggest that you think carefully about any complaints that your spouse may make about the relationship, and see if they have any validity and if there is anything that you can do to remedy whatever problem it is that your spouse is complaining about. If, however, your spouse is making complaints that have no validity, you can try to explain your reasoning, but your spouse may prove to be an unreasonable person, in which case the marriage is in trouble.
Yes, since the beginning of 2012 there have been many positive changes in home mortgage refinancing. Some of the changes include lower interest rates and also the HARP act.
depending on who was using the card, that's who's fault it would be... I'm going to assume since it was your spouse's credit card, that your spouse is then responsible for it.
Local banks are usually the most frequent places people get refinancing loans. Since you frequently use the bank they may be able to grant you larger loans or offer competitive interest rates for loyal customers.
According to my lawyer, the answer is yes. I just did and my husband isn't involved since all the debt is in my name. If you have joint accounts both people on the accounts must be involved, but if it's just in one person's name, then just that person can file seperately.
Auto refinancing is generally expansive since it basically allows you to get money out of an expensive car by taking out a second loan on the car (kind of like a reverse morgage. This makes it so that there are two loans, but it does seem to lower one's car payments substantially.
It goes directly to spouse since there is no will designating what goes to whom.
Yes you can file bankruptcy. You cannot file another Chapter 7 again since you can't file it within 8 years of the previous Chapter 7, but you can file Chapter 13 since it is not subject to the 8 year rule. Also, Chapter 13 is the chapter many people use in foreclosure situations since it is designed to help people stop foreclosures and get back on track with mortgage payments. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts and law, which I do not warrant, and I am not suggesting any course of action or inaction to any person. Speak to a lawyer for specific advice. If you have any questions, please refer to a lawyer in your jurisdiction. Thanks!
The answer depends on what the current chapter is. You have not said what that chapter is.Re-ask the question with the missing information. We are not psychics.
An abandoned spouse can sue the abandoning spouse for support (depending upon the circumstances; are there any children?) but in many cases, that doesn't help. Certainly you can sue for divorce. Take care of yourself.
A budding student would be better off furthering their loaned studies, since he or she has a higher then most chance of succeeding with the studies. A under performing student would be better off refinancing their college loans.