Chap. 13

The red flag here from the trustee is this...if all that is in your spouses name, why are you filing in the first place? Is the unsecured debt in your name only?

I am filing due to my husband's hours at work have been cut in 1/2....with this major cut once we pay the house payment, equity loan payment, & car payments there is barely enough left for groceries....the secured loans are in my husband's name because he has excellent credit & was given the better interest rates....my credit is bad & I only qualified for high interest loans and those have all gotten behind since I am making sure the secured loans are paid....the unsecured loans are all behind & 1 has gotten a judgement while the bankrutpcy was being prepared.....

I'm kinda surprised she's giving you a hard time. The creditors would rather have you file a 13. At least they will get something.

You don't have to justify your filing what you filed. You are entitled to a bankruptcy whether she likes it or not.