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It is not necessary for both spouses who do not reside in a CP state to file bankruptcy if there are no joint debts. If there are joint debts then the non-filing spouse will be subject to collection procedures from creditors. On Oct 17th new bankrupcy reform goes into affect and it will be almost impossible for the average consumer to file a Chapter Seven BK.

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Q: When filing bankruptcy does the wife need to be included in everything or just the filer in a non-community state?
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Can a debt to a private individual be included in a bankruptcy petition?

Not only can the be included, they MUST be included. All debts whether to Walmart or Aunt Betsy needs to be included in your bankruptcy filing.


Does filing for bankruptcy re-age delinquent accounts included in?

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Can you buy an automobile just prior to filing bankruptcy and not have it included in the bankruptcy or will it be include also?

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No. Child support is not dischargeable in either federal or state bankruptcy.


Can home owners association fees be included in a bankruptcy?

Your bankruptcy attorney can help you decide what to include in your filing petition.


Is a credit line on your house included in bankruptcy?

That is up to the person filing the bankruptcy. You can include or omit any debt that you choose.


Can HOA dues be included in a bankruptcy?

Your bankruptcy attorney can help you add assessments due and owing up to the date of your filing. Assessments incurred post filing are due and owing.


When filing chapter 13 should all debt be included?

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Can a HELOC that is charged-off by the lender be included in a chapter 7 bankruptcy?

It has to be included in a bankruptcy filing. A charge-off is a tax break for the lender. It has nothing to do with whether the debt is still owing.


How can you get a judgment off your credit report after filing bankruptcy?

If the debt that you were sued over, or the judgment itself was included in your bankruptcy, you only need send a copy of your bankruptcy papers to the credit reporting agencies. The judgment will not "come off", but it should get marked "included in bankruptcy" or "discharged through bankruptcy".


Can a creditor add an account to your bankruptcy when the account was opened after filing and you didn't include it yourself?

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When filing Chapter 7 bankruptcy should a car that is not paid off be included on the schedule of personal property?

no