Bankruptcy

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GroovEye

Age: 34
Total Posts: 197
Points: 10

Location:
NY, United States
I have read the laws and talked to a couple of BK attorneys, but I am still confused about the community property laws. My husband is planning to file for chapter 7, he has a little under 50k credit card debt. We have one joint card and the rest of the cards are only under his name. He has been paying min payment for about a year and has not used any of these cards ever since.

He is laid off, we have no cars, no assets, and no cash. I am a grad student, make about $2000 per month, and have lived in student housing in the past 4 years. If my husband files, how does that impact my credit? Will the creditors come after me if he gets discharged -- because Washington is community property? I mean for all his cards and not only the one that is joint.

One of the lawyers I talked to said because WA is community property, if my husband gets discharged, our joint debt will get wiped as well and I do not need to file for bankruptcy. Is that correct?

And if creditors come after me, what should I expect given that I barely make enough to pay for my rent and living expenses.

I would appreciate if someone could help me ... the devil is in the details.

Posted 20 Feb 2021

Nortman says
Thanks for the information.
Posted 20 Feb 2021

Striker1s says
I think that this will be helpful for everyone.
Posted 20 Feb 2021

SirusMion says
How can you break any law if you have got it legitimately? I don't know who told you this, but don't listen to him anymore. He misunderstood the law that doesn't permit people of another origin and who doesn't have Indian citizenship to get an Aadhaar card. You can look on murraylaw.net/bankruptcy/ and see all the information about Aadhaar cards and how to get them. You must be happy that you succeeded to get it because it's hard for an Indian living in another country to get an Aadhaar card. A friend of mine who is now living in LA tried to get it, but couldn't, he, at last, managed to do it only with the help of a lawyer.
Posted 20 Feb 2021

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