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    #1

    sad

    I'm a widow of 4 yrs. My husband died of a brain tumor. I did hospice in my home for 6 mo, while he was dying. For the six mo. I did not work. My husband of course was not working. I had a home and 3 children to support. I had to live on credit cards for everything.
    Now 4 yrs later on a single income..I have $28,000 in credit card debt. I'm thinking of filing bankruptcy.
    How do I find out if my credit cards are secured or unsecured. I think some are secured.
    Also, thank God, I'm now engaged to be married. I want to file before I marry, so I don't take the debt to the marriage. How will the bankrupcty affect my new husband's credit in the long run?
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    #2
    Originally posted by shej
    I'm a widow of 4 yrs. My husband died of a brain tumor. I did hospice in my home for 6 mo, while he was dying. For the six mo. I did not work. My husband of course was not working. I had a home and 3 children to support. I had to live on credit cards for everything.
    Now 4 yrs later on a single income..I have $28,000 in credit card debt. I'm thinking of filing bankruptcy.
    How do I find out if my credit cards are secured or unsecured. I think some are secured.
    Also, thank God, I'm now engaged to be married. I want to file before I marry, so I don't take the debt to the marriage. How will the bankrupcty affect my new husband's credit in the long run?
    Hi,

    The typical Visa, Mastercard, and Discover cards are unsecured. Most department store credit cards are secured, e.g. Circuit City, Best Buy.

    Just call each creditor to determine whether or not the account is secured or unsecured.

    Good Luck!
    The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.

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      #3
      It is better to file and complete the bankruptcy before you marry. After your bankruptcy is discharged and there are no other issues; you marry; this will not effect your new husbands credit. In fact depending on the state if a person is married but don't have joint debt with spouse, they can file bankruptcy without effecting the others credit. This is for non-community properties states. Just for future reference it is wise to find out what the community property laws are in your state.

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