That would be fraud. The creditor can get you in trouble. You should wait a month or two.
Simply put, yes.
Yes, you are not required to be unemployed to declare bankruptcy.
If you wife also co-signed on the loan, then, yes, she is. Your bankruptcy does not make the debt go away. It only negates your liability on the loan. It doesn't affect any one else's liability on the loan.
I am not certain about other states, but in Texas you can. I believe this is the case nationwide, but you should consult a bankruptcy attorney in your state to be certain.
No you can't be sent to prison.You can declare bankruptcy .
Until it's paid off, or you declare bankruptcy and have the debt forgiven.
Unfortunately, there is no such thing as loan forgiveness when it comes to payday loans. The only way to erase these debts is to declare bankruptcy.
If you file bankruptcy, you file bankruptcy on everything. You can not file bankruptcy on one loan.
No
A "reaffirmed loan" is a loan that the claimant in a bankruptcy has left out of the bankruptcy and is "reaffirming" that they will still pay the loan as usual.
You can declare bankruptcy due to credit card debts, yes.
You can declare Chapter 7 bankruptcy once every 8 years.