What to do? What to do?

[breezyday]

My Husband Name is just on our mortgage but both our names are on Title.

I wasn’t working at the time and in order to qualified for the loan we just used my husband income.
I did not want to disclosed a large student loan debt.
I have one credit card in my name and we have 2 other’s in both our name.
I would like to keep my credit card and was wondering at this point if he shall remove me from his cards before we surrender our home. But what about the deed situation?
Would it still ruin my credit?
I know this will be a question for a lawyer since maybe my husband can just file BK?
Just wondering if anyone else has been in this situation?

[AngelinaCatHub]

All of your questions are good ones for an attorney. About your CC card, it will go I'm sure and the bk itself will hurt your credit so you must decide to eek it out if possible or start a new life. Like wifey Ms. Cat mis spoke about changing your camper, I would not change anything at all. Not without consulting your attorney as the "appearance" of wrong could be misconstrued as wrong. The Deed is probably in both names as your state may be joint tenency state, community property, or what have you.

Just wondering if anyone else has been in this situation?

Oh don't you know that. For sure. 'Hub

[JRScott]

Hi JR and Everyone. I stand corrected, though I did say that the OP would have to wait a period of time before filing. But everyone is absolutely correct. Do NOT do anything without consulting with a BK attorney first. This could be mis-construed as a fraudulent transfer.

We all make mistakes now and then . That's why its nice to have so many folks here, I make em

[fltoo]

Preferential payment to an insider can be a one year wait.

Fraudulent transfer of assets...you are looking at waiting TWO years.

The camper is a vehicle and does not have a deed.