no profit/income self employed since 2002..80k cc debt..cp7
Is your wife listed as a authorized user???? or is she listed as
Is your wife listed as a authorized user???? or is she listed as a joint holder in the CC? If she is just a user you are soley liable for the debt. If the cc has her joint she will be affected. Have you pulled your credit report to see which is the case???
I doubt you can file without her knowing. When you file, everyt
I doubt you can file without her knowing. When you file, everything you own goes into the bankruptcy estate, and is the responsibility of the trustee. Technically, you don't own anything except your exempt assets then. The means test should not be a problem, but if your wife's name is on the accounts, then she may be held accountable for the debt if her name is not on the petition. But you will need to make sure that you list the 50k loan from your father as a debt on the petition. For whatever it is worth, it really does not matter what you used the credit for. As long as your luxury purchases are below a level of abut $700 per account for 90 days before the filing date, then you are covered in that respect.
I would get a consultation with an attorney. It should be free, and even if you decide to go pro se, it may help give you some insights into what your position is. In my opinion, I would get an attorney. It will cost more, but I would hate to have my petition dismissed because of a techinicality.
Submitted by southernapostolic on Fri, 07/24/2009 - 16:51