Starting

[mystiquemia]

Help!!!!!!I am going to my consult tomorrow morning. I have everything that I was told to bring. I am married but filing alone. I own no car, no mortgage, have a son, 50.00 in the savings account, which isn't actually mine...my husbands and I am an authorized user so I could cash my IC (independent contractor) checks. i make about 800.00 or less a month, with working as an IC. So basically I don't have jack. I know I owe about 44k, most from a house that was forclosed after my husband and I got divorced and he decided he didn't want it anymore. Now when we got divorced I signed a Quilt Decree for the house, but its still on my credit report, so If I do a Chapter 7 will he be responsible for that? Is this going to be ok for me to do this? Would I be good to file 7 or just act like the debt isn't there. Also it depends on the state you live in with 2 years depending on where you file correct. Well my problem is I spent a year in 2004 I was in OH in 2005 WV, now we moved back to OH, so where would I file? I hope I didn't confuse anyone. I hope someone can help me, PLEASE.

[FilingOnMyOwn]

So what exactly is it that you are panicking about? You have nothing to lose, correct?

[mystiquemia]

Umm, I dunno. I guess so reassurance... Ok but in all cases, will my x be responsible for the forclosed home amt? I don't want to do that but I gotta do what is best for me. I guess I read somewhere that where you file depends on the last 2 years, correct? or where you live at now?

[aa06a47]

Umm, I dunno. I guess so reassurance... Ok but in all cases, will my x be responsible for the forclosed home amt? I don't want to do that but I gotta do what is best for me. I guess I read somewhere that where you file depends on the last 2 years, correct? or where you live at now?

Depends, if your mortgage company took him off the loan, then no, he isn't responsible. If the husband is still on the loan, he will be responsible.

[FilingOnMyOwn]

Even if you are liable for the foreclosed house, that would be discharged through the bankruptcy. About the only things you can't get discharged are student loans and sometimes back taxes.

[mystiquemia]

Ok thanks, he won't file becasue he makes too much. I just want to make sure that I have all my bases covered. I was the one in the divorce that signed the Quilt Claim stating that I am giving over the house to him and he is repsonsible for it. But needless to say it was forclosed and sold by a real estate agent. Well Im off to my meeting, wish me luck!

[FilingOnMyOwn]

Your lawyer will tell you anything you need to know, just ask.

[mystiquemia]

Ok well I had my appt. The paralegal was surprised on how prepared I was. I had statements, income, pay stubs, I was able to do the schedule j there. So now Ijust gotta pay my 1st payment tomorrow and get started on the credit counuceling this week. We just gotta get the schedule j down. But so far so goood. My hubby is still worried that he will be affected even tho we have been assured he won't.

[SinkingFast]

Did you meet the attny??

Since you moved back and forth between States and didn't establish 2 years residency in one spot, you'd qualify to use the Federal Exemptions.