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Frequently Asked Questions

Does my spouse have to file bankruptcy with me?

Wald Law Firm - FAQ
Your spouse does not have to file bankruptcy jointly with you. If the debts are in your name only, there is no reason for your spouse to file with you.
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If I am married, does my spouse have to file bankruptcy with me?

Garretson Law Office FAQ
Your spouse does not have to file bankruptcy with you. If your debts are separate, your spouse is not liable for your debts. If your spouse is a co-signer on any of your debts or the debts are for medical bills or utility bills for services provided to your family, filing a joint bankruptcy is probably the best solution.
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Chapter 13 Bankruptcy Lawyers In New Jersey - Chapter 13 FAQ...
No. In some cases where only one spouse has debts, or one spouse has debts that are not dischargeable, then it might be advisable to have only one spouse file. Also, debts which your spouse is jointly liable are subject to the co-debtor automatic stay.
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Do I have to file Bankruptcy with my spouse?

Galyn Johnson, P.C. - FAQ
Answer: No. But if your spouse is on any of the debt you are filing on, they are still liable on that debt. A Bankruptcy discharges the debt as to the person filing only.
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Michael J. Pledger: Austin Lawyer, Filing Bankruptcy, Bankru...
Since Texas is a community property state, most individuals file jointly with their spouse. There may by advantages or disadvantages to a joint filing with your husband or wife. Mike Pledger will help you decide based on the type of debts and the assets you need to protect.
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Law Offices of Stephen A. Koonce
There may be advantages or disadvantages to a joint filing with your husband or wife. We'll help you decide based on the type of debts and the assets you need to protect.
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Does the spouse of a married person have to file bankruptcy?

Bankruptcy Preparation
If you are married, your spouse does not have to file bankruptcy. You can file bankruptcy as an individual or you can file one joint bankruptcy. If you decide to file one joint bankruptcy with your spouse, we do not charge you extra for your spouse as others do.
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No. In some cases where only one spouse has debts, or one spouse has debts that are not dischargeable then it might be advisable to have only one spouse file. If the spouses have joint debts, the fact that one spouse discharged the debt may show on the other spouses credit report.
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Gandy Law Offices - FAQ
No. In some cases where only one spouse has debts, or one spouse has debts that are not dischargeable, it might be advisable to have only one spouse file.
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Will my spouse be responsible for my debts if I file bankruptcy?

Richard Gaudreau: New Hampshire Lawyer, Creditor Harassment,...
Not unless he/she is personally liable on any of the debt you hope to discharge in a bankruptcy. It is important to make sure that there are no courtesy credit cards issued to your spouse that make them liable. If you have a joint credit card or car loan with a spouse that is listed in a bankruptcy, this will not affect your spouse's credit as long as the payment continues to be paid when due.
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Up 18. My spouse is declaring bankruptcy; should he file alone or should we file together?

Chapter 13 bankruptcy FAQ - 20 frequently asked questions
Whether married couples should file a joint petition or a single one depends on various factors: type of property, the amount of community debt involved, and how the property is held (e.g., community, joint tenancy, or an estate-by-the entirety). Filing together eliminates the separate debts of you and your spouse and all the jointly-held marital debts.
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Is my spouse required to file bankruptcy if I file?

Frequently Asked Bankruptcy Questions | FAQ | Portland Orego...
No, you can be married and file a bankruptcy without your spouse filing. There may be some benefits to filing a joint bankruptcy, but sometimes it is better for only one spouse to file. An experienced attorney will be able to let you know when it would be beneficial for one, or both of you to file.
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Does my spouse have to file jointly with me?

Welcome to Macey & Aleman
If all or most of the debts are in your name only, your spouse may not have to file. Creditors usually cannot pursue a non-filing spouse, unless he or she is legally a co-debtor on the debt. Additionally, the bankruptcy should not be reflected on the non-filing spouse's credit report. The law does vary, however, from state to state so make sure you speak with a Macey & Aleman bankruptcy attorney about whether or not your spouse has to file.
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If one spouse files for bankruptcy, how does this affect the other spouse?

Bankruptcy Trustees and Credit Counselors
However, the bankruptcy may have some negative impact on the other spouse. If the non-bankrupt spouse has co-signed any loans with the bankrupt spouse, he or she will become solely responsible for those debts. This also applies to credit card debts when supplementary credit cards have been issued to the non-bankrupt spouse. The bankrupt spouse is expected to make payments to the Trustee throughout the bankruptcy. These payments are based on the family situation.
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How long does it take to file bankruptcy?

Garretson Law Office FAQ
Generally one week to 10 days after you have paid the attorney fees in full. If your case requires immediate attention we will do everything we can to file your petition in a prompt and efficient manner. All filings are done electronically over the internet and can actually be done overnight and on weekends.
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Law Offices of Janice M. Palmer, P.C.
Generally speaking for a normal Chapter 7 bankruptcy, the process takes about six months. However, most of the activity on your bankruptcy will take place in the first couple of months after you file.
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How do I file for bankruptcy? Is there a charge?

Federal Judiciary Frequently Asked Questions
A bankruptcy case is commenced by the filing of a petition. You must also file a statement of your assets and liabilities, and schedules listing your creditors. If you choose to file a bankruptcy petition without the assistance of an attorney, you can obtain the required forms at most stationery stores or at www.uscourts.gov/bkforms/index.html. There is a range of filing fees for bankruptcy cases, depending on the chapter of the bankruptcy code under which you file.
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Return to top 4. Who can file bankruptcy?

U.S. Bankruptcy Court - District of Colorado - FAQs
A person, partnership, corporation, or business trust may file a bankruptcy case. Corporations, partnerships and business trusts cannot proceed if they are not represented by an attorney. Only an individual can proceed without an attorney. However, the bankruptcy process is extremely complex, and individuals are strongly encouraged to seek competent bankruptcy counsel. If a person or the entity who owes the money, called the debtor, starts the bankruptcy, it is called a voluntary bankruptcy.
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Does my spouse have to file Chapter 7 with me?

Bankruptcy FAQ & Divorce Forms
NO! There is no requirement that both spouses file. It is not unusual for only 1 spouse to have debts.
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I'm married. Does my spouse have to file?

Morris & Woerner :: FAQ
Not necessarily. A lot depends on whether the debt you are trying to discharge is owed by both of you. California is a community property state and things can get a little sticky in this area. If the debt is truly separate debt, it shouldn't be a problem. If it is marital debt and your spouse isn't working and there isn't any community property at risk, then talk to an experienced bankruptcy attorney about the possibility of filing the case without your spouse. TOP ^
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If I am married, does my spouse have to file too?

Dave Johnson Law Office, P.C. - Frequently Asked Questions
No. A married person may either file jointly with his or her spouse or individually. If the spouse does not file also, the spouse's credit is usually unaffected. It is usually a problem for a person who is filing an individual bankruptcy to transfer assets to his or her spouse or to anyone else.
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What do I need to do to file a claim for my deployed spouse?

Frequently Asked Questions
Carrier: Under FRV shipments, the day of delivery the carrier will provide you with instructions on how to file a claim with them. The instructions may address this issue. If you have any questions, you should contact the carrier. If your question was not answered, then please call the Claims Service Center. Additionally, if you file your claim within the 9-month period with the Claims Service Center, we can also forward it to the carrier so you can still be entitled to FRV coverage.
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Can I file bankruptcy without an attorney?

FAQ (ASP)
Current law permits individuals to file their own cases and to represent their own interests in bankruptcy proceedings. However, it may not be wise for you to do so. Any bankruptcy case can become a complicated matter requiring both knowledge of the law and experience before the court to successfully complete.
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What happens after I file bankruptcy?

FAQ (ASP)
Upon filing the original petition with the Clerk's Office, the "automatic stay" immediately takes effect and prohibits all creditors from taking certain collection actions against the debtor or the debtor's property. Although the stay is automatic, creditors need to be advised of the stay.
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CAN I FILE MY OWN BANKRUPTCY?

The Bankruptcy and Financial Center
Any individual can file their own bankruptcy proceeding. This is called filing in pro per. If a person wishes to spend enough time learning about this area of the law, they can probably get through a simple bankruptcy filing. However, individuals with assets or problem debts are foolish to try to go it alone as they will most certainly harm themselves financially as a result.
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