Legal Question in Bankruptcy in Minnesota

Re: Bankrupcy Questions

You can certainly file on your own; however, your husband's income and expenses must be factored in to see if you "pass" the means test and whether you do or do not have a budget surplus at the end of each month. As to his credit report, why doesn't he check his credit report at annualcreditreport.com to see if your debts are showing up on his credit report. If they are, he would demand that the credit reporting agency correct their report. As far as house and cars, I would need more information. Generally, you can keep your house and cars subject to the debts against them in favor of the mortgage company and car lender. BUt I would need to know values of the items and which creditor has a debt on which item.

Re: Bankrupcy Questions

Yes you can file separately but you still have to qualify under the means test if you want Chapter 7. There are exemptions for homestead and one car but to give you adice on this, an attorney needs the specifics. You need to call a bankruptcy attorney. Look at my web site under bankruptcy minnesota. Dennis Felix

Re: Bankrupcy Questions

I have a lot of material which may help you with your questions on my web pages at http://www.mn-bankruptcy.com.

Frankly, I usually try to avoid filing married persons separately. It often can be done, but the trustees seem to view the practice with suspicion.