I am a Wisconsin resident.

When I was 18 (6 years ago) I incurred a lot of debt (credit cards, etc.) and basically just let it ride (ignoring phone calls for this whole time). I made a few attempts to get out of this hole, but no matter what I tried, I fell behind. The phone calls kept...

In 2009, I filed for chapter 7 bankruptcy in Wisconsin. Upon filing, my husband chose to be a non-filing spouse. All debts, including his non secured debts, were included in the paperwork. In November of 2009, a complete discharge was granted and closed.

Last week, my husband was served...